Chime Financial Inc CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • IN
  • 473XX
Web
I had a Chime Credit Builder Account as well as a the normal/basic Chime Checking Account, I regularly had funds deposited XX/XX/XXXX student loans were direct deposited ( {$1900.00} ) XX/XX/XXXX My tax check was direct deposited into my checking account ( {$6400.00} ) and immediately transferred to my credit builder account. XX/XX/XXXX received email saying : Hi XXXX, We have adjusted your max SpotMe limit to {$5.00}. This means you can set a SpotMe limit between {$0.00} to {$5.00} in the Chime app. Your max SpotMe limit is determined based on a variety of factors, including but not limited to your account activity and history. Please note that Chime Member Services is not able to adjust SpotMe limits. Sincerely, The Chime Team I thought this was odd, especially given the fact i had repeatedly paid any SpotMe overdrafts back almost instantaneously after receiving them XX/XX/XXXX I contacted chime support to file 2 different disputes. The first dispute was over my normal checking account being charged several duplicate charges by XXXX XXXX. The second dispute was for a purchase made using my credit builder account. It was a XXXX order from XXXX XXXX. I was disputing this purchase because upon checking the order once it had been delivered, it was missing a lot of the items we had ordered and the food that we did actually receive was incorrect. XX/XX/XXXX received email from Chime saying We noticed a change in your direct deposits. Check out some of the ways we can support you. Although very shortly before this email was when my tax check had been deposited into the account. Again thought this email seemed a bit odd but still I didnt give it too much thought XX/XX/XXXX Contacted Chime Support to dispute an XXXX XXXX made using my credit builder. I had purchased a new laptop for school ( {$750.00} ). The laptop was originally supposed to arrive by Sunday XX/XX/XXXX but was not delivered. This delay put me behind in a few of my courses for school. When viewing the order page on XXXX there was a prompt that stated I could request a refund if the item hadnt been delivered by Tuesday XX/XX/XXXX. When it didnt arrive that Tuesday, I contacted XXXX customer service to discuss my options, I couldnt afford to fall further behind in my classes waiting for the laptop when I could just request the refund like the order details page had said and either order one that could arrive sooner or go purchase one in an actual store that way Id have it that same day. Upon contacting XXXX customer service reps on XX/XX/XXXX and XXXX to discuss the possibility of a refund, each time I was directed to contact the carrier over still not receiving the laptop, and the blatantly obvious attempt to avoid having to refund my money. When it became apparent that the reps were either unwilling or unable to provide help further than contact the carrier, I contacted Chime Support to dispute the purchase through my card issuer. ( As of XX/XX/XXXX the laptop still hasnt arrived, when using XXXX tracking it says package may be lost ) XX/XX/XXXX Sent Chime support screenshots via email of the interactions between myself and XXXX customer support along with the orders page that stated that I could request a refund had I not received the laptop by Tuesday XX/XX/XXXX XX/XX/XXXX received a couple different emails from Chime that read as follows : Hi XXXX, Were sorry to share the news that we have decided to close your Chime Credit Builder Visa Credit Card Account and Chime Credit Builder Secured Account , effective immediately. Your account was closed for the following reason ( s ) : Account does not comply with internal policies and/or the member agreement. Once your secured account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days to the address we have on file for you. ___ _ _______ ___ ___ __ ___________, __ _____ If this is not your current address, please notify us in writing at XXXX within 5 days of receiving this notification to make any necessary updates. If youd like to get in touch with Chime Member Services about this decision, please email XXXX. Sincerely, The Chime Team And Hi XXXX, Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Chime Checking Account will be closed on XX/XX/XXXX. If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed. If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/XXXX, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. Sincerely, The Chime Team I sent an email in response to these expressing that I was confused as to why this would happen and questioned the possibility that there had been a mistake made resulting in the closure of my account. Their response was as follows : Hi XXXX, Thanks for reaching out to Chime Member Services. I am sorry your Chime account was closed. We have determined that your account failed to comply with the terms of your Deposit Account Agreement, and weve closed your account as a result. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. If you still have funds in this account, please allow 14 days for any outstanding transactions to settle, and then a physical check for the remaining balance will be sent to your mailing address. You should receive your check within 30 days of your account closure date. Please let me know if I can assist you with anything else. Thanks, XXXX | Chime Member Services I sent another email to inform them I had in fact read through the aforementioned sections and was struggling to find anything that would even remotely pertain to my account closure, They responded with : Hi XXXX, Thank you for contacting Chime Member Services. I hope you and your family are well, and safe upon receipt of my email. I apologize for the inconvenience caused to you Chime has determined that your account is not compliant with its internal policies and the member agreement executed at enrollment. So, that's why your account has been closed. If there is any account balance due to you, a check will be mailed to the address on file within 30 days. Also, I regret to inform you that this account can not be re-opened. Please feel free to reply here if any other questions or concerns come up. I want to make sure we get everything taken care of. Thanks, XXXX XXXX Chime Member Services At this point I proceeded to ask for the specific information that they had used in order to determine that my account was not compliant XX/XX/XXXX received a response to my previous email that was extremely similar to their previous email response : Hi XXXX, This is XXXX XXXX a live representative at Chime Member Services. I understand that you are concerned about your Chime account status. No worries, I will definitely look into it for you. Please be informed that Chime has determined that your account is not compliant with its internal policies and the member agreement executed at enrollment. For security reasons, Chime is unable to disclose any more information about the closure of your account. For full details, please refer to section C9 ( Account Holds, Suspensions, Restrictions, and Closures ) of the Chime Deposit Account Agreement. If you would like to appeal this decision, please contact us at XXXX. Thanks and I appreciate your patience and understanding on this matter. Sincerely, XXXX | Chime Member Services XX/XX/XXXX Received email from XXXX XXXX XXXX regarding still needing a payment for the product if I decided to continue with my dispute of the transaction. They were requesting more information as to why I had filed the dispute ( basically confirming whether a refund/chargeback would be warranted or not ), as well as passively-aggressively suggesting I contact XXXX Customer Service if ever another issue were to arise with any future orders. I responded informing them I had still not received the laptop so regardless of if it was due to them willingly refunding the money or a chargeback of the money enforced by the bank, I was entitled to my money back. I also informed them that I had initially attempted to resolve the issue with XXXX customer service team for 2 days before deciding to proceed with filing a dispute for the purchase through my bank. XX/XX/XXXX I sent an email to XXXX requesting information on how to appeal the decision to close my account, they sent two different responses that read as follows : Hi XXXX, Welcome to Chime Member Services. I hope this message finds you well, and that you and your loved ones are safe and healthy. We have determined that your account does not comply with the terms of the the Deposit Account Agreement. The account will be close on [ XX/XX/XXXX ]. If you still have funds in this account, please allow 14 days for any outstanding transactions to settle, and then a physical check for the remaining balance will be sent to your mailing address. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. Kind Regards, XXXX XXXX Chime Member Services And Hi XXXX, We have determined that your account failed to comply with the terms of your Deposit Account Agreement, and weve closed your account as a result. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. If you still have funds in this account, please allow 14 days for any outstanding transactions to settle, and then a physical check for the remaining balance will be sent to your mailing address. You should receive your check within 30 days of your account closure date. XXXX | Member Protection Team XX/XX/XXXX I sent Chime an email expressing the extreme confusion I had regarding the date that the account closure would be effective changing from effective immediately to XX/XX/XXXX. This especially raised concerns due to the fact that since the initial email ( XX/XX/XXXX ) that had stated the closure would be effective immediately, I hadnt been able to access to my account, billing statements, log into the app, etc AT ALL XX/XX/XXXX XXXX sent an email that read as follows : Hello, We received your email about the credit card dispute you filed on Order XXXX To correct this problem, we have asked your card issuer to close the dispute in your favor. Please allow 3 to 5 business days for the refund of XXXX USD to appear on your credit card account. We are sorry for any inconvenience. If you need more information about the dispute or the credit card refund, please contact your card issuer. Account Specialist XXXX | XXXX XXXX XXXX I emailed Chime informing them XXXX confirmed they would be honoring my dispute and requested further information on how they had planned to handle the matter moving forward XX/XX/XXXX Chime responded with the same generic email : Hi XXXX, Thanks for reaching out to Chime Member Services. I'm sorry to hear about the difficulty you're experiencing. We have determined that your account does not comply with the terms of the Deposit Account Agreement. If you still have funds in this account, please allow 14 days for any outstanding transactions to settle, and then a physical check for the remaining balance will be sent to your mailing address. You should receive your check within 30 days of your account closure date. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. Please feel free to reply here if any other questions or concerns come up. I want to make sure we get everything taken care of. XXXX | Chime Member Services XX/XX/XXXX Received Email from Chime in regards to my XXXX dispute that read as follows : Account Number Ending In : XXXX XXXX XXXX XXXX XXXX Dispute Type : Credit - Goods/Services Not As Described Date Error Reported : XXXX Claim Amount : {$59.00} Dear XXXX XXXX, Thank you for notifying us of the billing error on your account. Our investigation team has reviewed your claim and concluded a billing error did occur. As a result, we have credited your account in the amount of {$59.00} along with any related charges, as applicable. We apologize for any inconvenience this may have caused you. If youd like to request the documentation we used to make the determination, please email us a XXXX Sincerely, Chime Disputes Team XX/XX/XXXX I email Chime asking if I should be expecting a check with the funds that had been credited to me following the XXXX dispute being substantiated Their response was as follows : Hi XXXX, Thank you for reaching out. We have determined that your account failed to comply with the terms of your Deposit Account Agreement, and weve closed your account as a result. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. XXXX | Member Protection Team I sent an email then informing XXXX that the response he had sent had zero relevancy to, nor did it provide any further or clearer insight into a resolution for the question at hand. I was frustrated at this point due to a good portion of the previous emails I had received from Chime, pertaining to this matter, having stated the exact same information as the last, and having even been formatted almost identically to one another. I had/have not yet received a single email from Chime that directly addressed the questions I had/have been asking with 100 % transparency. XX/XX/XXXX receive email from Chime in regards to the dispute pertaining to duplicate charges from XXXX XXXX : RE : Account Number : XXXX Claim ID : XXXX Dispute Type : Debit - Duplicate Charge Date Error Reported : XXXX Claim Amount : {$210.00} Hello XXXX XXXX, This letter is to inform you we have applied a provisional credit to your account on XXXX in the amount of {$210.00}. This temporary credit is being provided so that you will have full use of these funds while we complete our investigation. We will complete our investigation as quickly as possible, but no later than XXXX. We will communicate the results of our investigation to you by email within three business days of completion. If we deny your claim, we will reverse the provisional credit and debit the amount from your account. We will notify you if this occurs. Thank you for being a valued Chime member. If you have any questions, please contact us by phone at XXXX ( XXXX ) XXXX or by email at XXXX. Sincerely, Chime Disputes Team I respond again voicing my concern about the possibility of my account being mistakenly closed Their response was as follows : Hi XXXX, Thank you for keeping in touch! I would like to confirm to you that the account was closed on XXXX. Please allow 14 days for any outstanding transactions to settle, and then a physical check for the remaining balance will be sent to your mailing address. You should receive your check within 30 days of your account closure date. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. Please let me know if you have any additional questions! Thank you for your patience and cooperation on this. XXXX | Chime Member Services. I receive a check for the dispute for multiple duplicate charges ( {$210.00} ) in the mail shortly after receiving the email. Still have yet to receive a check or an answer about the funds from the XXXX dispute that was resolved and credited ( {$59.00} ) XX/XX/XXXX Chime sends email saying : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Duplicate Charge Date Error Reported : XXXX Claim Amount : {$210.00} Hello XXXX XXXX, 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. On XXXX, a provisional credit was posted to your account on a temporary basis until we completed our investigation. On XXXX, the provisional credit will be reversed and your account will be debited in the amount of {$210.00}. Please ensure that there are sufficient funds in your account to cover the amount that will be debited, as well as any purchases or payments you plan to make. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. Sincerely, Chime Disputes Team XX/XX/XXXX I reach out to XXXX customer support asking the status of the chargeback/refund they agreed to provide XXXX confirms XXXX completion of the refund in an email that reads : Hello, We received your email about order XXXX. We have researched this matter and confirmed that the dispute in question has been resolved between XXXX and your card issuer. Please contact your card issuer for more information about reimbursement for this purchase. In the future, file an A-to-z Guarantee claim to resolve any issues related to XXXX XXXX purchases before contacting your card issuer. For more information, visit the page : XXXX XXXX XXXX XXXX We can not help you further with this problem. -- - XXXX XXXX Account Specialist XXXX | XXXX XXXX XXXX XX/XX/XXXX I email Chime to inform them XXXX has now confirmed that the dispute has been resolved and receive no reply XX/XX/XXXX I email again asking where the check is for the {$59.00} and now the {$750.00} as well ; still no response At which point I call customer service and they reassure me several times that they will send me tracking information for the checks via email directly after the call ends ; i never received any tracking info or any information in general like promised while speaking to customer service reps on the phone XX/XX/XXXX I email Chime stating I was told Id receive tracking info when I called but had yet to receive even a reply to the three previous emails I had sent and definitely hadnt received any information or tracking information for any check. Chime Dispute Team responds saying : XXXX XXXX, I completely understand the inconvenience you are experiencing. We are working to resolve your case as quickly as possible. Based on the nature of your claim, we will complete the investigation no later than XX/XX/XXXX. We will notify you by email as soon as the investigation is completed. Also, we're pleased to let you know Chime has added a new feature to the app which allows you to check your status dispute in real time. Navigate to your home screen and click on the View Disputes widget located towards the bottom of your screen under your spending/saving account information or click this link. Thanks, XXXX | The Dispute Team Still providing no solid solutions or answers since I am still unable to access my account at all, so using the new feature isnt something that Id be able to do either. I mentioned XXXX had already confirmed that my card issuer and themselves had resolved the dispute. If it was resolved then wouldnt the investigation then be complete? I respond reminding them of my inability to access my account, to which they reply with the EXACT same email as the last XXXX XX/XX/XXXX I email asking where the money is again XX/XX/XXXX I email again for clarification on what else they would have to investigate if XXXX is saying that they had already resolved and returned this transaction, and express my frustrations with it seeming as if since they closed my account they were not prioritizing the situation as they would if i were technically still a customer I email XXXX again requesting information on how to appeal the decision to close my account for the second time XX/XX/XXXX Chime sends me an email saying : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$750.00} Dear XXXX XXXX, Thank you for notifying us of the billing error on your account. Our investigation team has reviewed your claim and concluded a billing error did occur. As a result, we have credited your account in the amount of {$750.00} along with any related charges, as applicable. We apologize for any inconvenience this may have caused you. If youd like to request the documentation we used to make the determination, please email us a XXXX Sincerely, Chime Disputes Team I respond for clarification on how I will receive these funds Their response : Hi XXXX, Thank you for reaching out to Chime Member Services. I apologize for the inconvenience this may have caused you. Rest assured that I am here to assist you with your concern. XXXX, I'm happy to inform you that, Your recent dispute of {$750.00} has been approved. Thank you so much for giving us the opportunity to have you in our Chime family, anything else that you may need, remember that you will find me here for you XXXX! Thanks, XXXX | Chime Member Services I respond asking again how i will be receiving these funds XX/XX/XXXX Receive email from Chime saying : Hi XXXX, Thank you for keeping in touch. Ive looked into your account details to find some answers. We have determined that your account failed to comply with the terms of your Deposit Account Agreement, and weve closed your account as a result. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. If you still have funds in this account, please allow 14 days for any outstanding transactions to settle, and then a physical check for the remaining balance will be sent to your mailing address. You should receive your check within 30 days of your account closure date. Thanks, XXXX | Member Protection Team XX/XX/XXXX I noticed while using the Klover app that it was still linked to both, the normal Chime checking account as well as the credit builder account. And that my credit builder account was showing a balance of {$810.00} so i emailed chime asking if that was accurate and again asking for some sort of insight on how and when Id be receiving these payments ; no response XX/XX/XXXX I email again asking how and when Id be receiving the money ; no response XX/XX/XXXX I email again vocalizing my ever thinning patience with the matter and asking about how and when yet again They respond : Hi XXXX, Thank you for reaching out. We apologize for the inconvenience this may have caused. After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. We regret any inconvenience this may have caused. Please let us know if we can assist you further or give us a call at XXXX. XXXX | Member Protection Team I email informing them I had received an email from Chime themselves stating that my dispute was approved and it wasnt a refund I was anticipating, it was money from a dispute that they had resolved with the other company and had received the money from already. Money that was rightfully mine. Money i was entitled to. No response As of XX/XX/XXXX i have yet to receive a response or a check for the amount I am owed nor do I have any access to my account ( including but not limited to logging in, viewing any documents/bank statements/billing statements, etc )
09/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MO
  • 63116
Web
From : XXXX, XXXX ( XXXX ) XXXX Sent : Monday, XX/XX/2023 XXXX XXXX XXXXo : XXXX XXXX Cc : XXXX XXXX Subject : XXXX : DISPUTE XXXX XXXX XXXX XXXX XXXX From XXXX XXXX XXXX XXXX ( XXXX ) XXXX Sent : Monday, XX/XX/2023 XXXX XXXX To : XXXX XXXX Subject : DISPUTE XXXX My account is being handled with a minimum of concern. I am livid at Chime 's decision regarding my dispute and not being given provisional credit! First, I would like to start by saying that the agent who entered the information for the dispute entered a dispute for things that should not have been disputed and she needs to be terminated! Then, I called Chime several times and requested that these charges not be posted to my account because I was not able to respond to the messages on my phone, and another phone that shares the same number had been lost and these charges which were pending at the time were not mine. I reached out to Chime several times as well as the mobile provider. Chime and the XXXX XXXX kept saying it was each other 's issue. It has also been said that my computer could have been hacked because all my personal information is on my computer and all icons were removed. I will be contacting XXXX, FDIC, FTC, and XXXX. Attached is a list of transactions that I did not do and should be granted my money immediately! I should not have to wait 10 days for a reason for denial and should be given provisional as I have bills to pay! I was told by Chime that I had to wait until these pending transactions were posted although they were not my charges. Again, I asked prior to that my funds not be released. Chime refused to give me the number and the address of XXXX, Agents hung the phone up and transferred me several times to different departments to no avail about my dividends. Checking Account TransactionsSpend Tracking Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE MONEY WAS THERE BUT I DID NOT TRANSFER {$850.00} TO MY SAVING ACCOUNT! Checking Account TransactionsSpend Tracking Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE MONEY WAS THERE BUT I DID NOT TRANSFER {$850.00} TO MY SAVING ACCOUNT! Checking Account TransactionsSpend Tracking Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE MONEY WAS THERE BUT I XXXX NOT TRANSFER {$850.00} TO MY SAVING ACCOUNT! Checking Account TransactionsSpend Tracking Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE MONEY WAS THERE BUT I DID NOT TRANSFER {$850.00} TO MY SAVING ACCOUNT! Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$7200.00} Hello XXXX XXXX, My financial aid from school went into my chime account for approximately XXXX dollars. a couple of days later foreign charges started appearing on my account. I contacted Chime and informed them that I was not able to receive their text messages and do not allow these charges through onto my account. Chime stated that I had to wait until the charges were posted and disputed them. After the charges were disputed approxiamately 3 to 4 days later chime send the following. This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 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. You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time. Thanks, Chime Disputes Team
08/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 705XX
Web
My name is XXXX XXXX and I opened a bank account with Chime bank on XX/XX/XXXX. I used my account regularly without issue for nearly 1 and years. Then on XX/XX/XXXX, both my checking & savings accounts with a total of {$3500.00} in them were frozen by Chime. I received an email that day from Chime requesting documentation to verify an attempted unemployment deposit from the state of Louisiana. Unfortunately, before I had the chance to send the requested documentation, I was remanded into police custody then subsequently convicted and sentenced to prison time. I was released on XX/XX/XXXX and have since then spent the last 4+ months going in circles with the Chime support staff via email trying to regain access to my money. Beginning when I was first released, I emailed Chime to explain why I hadnt yet replied with the documentation to verify the unemployment deposits were in fact rightfully meant for me. In my reply I attached a PDF which included the dollar amount of the deposits I received from the state of Louisiana, for verification purposes, as well a transaction number for each payment. I also attached a scanned copy of my department of corrections release sheet to prove that I was in fact incarcerated. When I received a reply from Chime, they were requesting that I provide them with a photograph of my government issued identification as well as a picture of myself holding my identification next to my face. I explained in great detail to the support staff why I did not have an identification card and why it was not possible for me to obtain one. I explained that due to the fact that I had no money, ( because my account was frozen ) to purchase an identification card, and the nearest DMV is over 50 miles from where I live ( without transportation ), I was unable to provide the requested photo of myself holding my ID card. I also let them know that my drivers license has been suspended since XXXX and at this time I have 18 separate outstanding DMV violations/flags that will cost me thousands of dollars to take care of. I was told by the support staff that they understood why I was unable to provide identification, and that in lieu of ID, proof of address along with another form of ID would be acceptable, i.e. birth certificate, social security card or passport. In the next sentence, they repeated their original request for an explanation, and any documents I had verifying the source of the account loads from the state of Louisiana and showing myself as the intended recipient. I didnt understand why they were repeating this request, but I went ahead and resubmitted the documentation anyway along with my most recent utility bill, and a scan of my birth certificate. Chime replied to my submission with an email once again requesting my government issued identification card, although we had already come to an understanding that I was not able to provide it and they had already listed other types of documentation acceptable to verify my identity. They also repeated their original request for an explanation, and any documents I had verifying the source of the account loads from the state of Louisiana and showing myself as the intended recipient. At this point, I began to feel as though I was being strung along and that the support staff had no intention of actually helping me to regain access to the money in my account. This feeling was only bolstered by the fact that no matter how many times I attempted to call their customer support hotline, I was never once able to talk to an actual human being for help. On XX/XX/XXXX, I exchanged emails with the support staff in which I requested that an agent please contact me via phone immediately so that I could once and for all figure out why my account was still frozen although I had already given the support staff everything they had requested numerous times over. I received a reply almost immediately stating, XXXX XXXX, After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX : XXXX I was in shock and could not believe what had just happened. I wrote back to Chime and explained that when I attempt to call their member support hotline, I was told by an automated voice that because my account is closed, I would need to contact Chime via email for further assistance. I then repeated my requested for an agent to please contact me via cell phone to further assist me, and let them know that I had no intention of simply allowing them to steal my hard earned money from me. In reply, I received an email stating that a member of the Chime review team would contact me within 2-3 hours. The next email I received from Chime stated, To potentially access any remaining funds, send government ID, secondary ID OR proof of address, an explanation, and any docs you have verifying the source of the account loads and yourself as the intended recipient. I look forward to hearing from you. This left me extremely confused because not only were they again repeating the exact same request for the government identification they knew I did not have and had already agreed was not needed, they also made the exact same requests they had numerous times before regarding the explanation and documentation of the unemployment deposits which I had satisfactorily answered and supplied requested documentation for. But what was even more confusing was the fact that I had just been told in a prior email that I was not eligible for any kind of refund of my money, yet here they were stating that they looked forward to hearing from me in regards to regaining access to my account. Finally, on XX/XX/XXXX I was able to find transportation to the DMV located over 50 miles from my home and I was able to borrow the money required for my new identification card. On XX/XX/XXXX when I gained access to a computer and internet, I sent an email to Chime member support with the requested government identification as well as a photograph of myself holding the ID next to my face. I made certain that the scans of both the front and back of my ID card were very high resolution and that all 4 corners were visible. I also included the photograph of myself with my ID next to my face. I also resubmitted the scan of my birth certificate as well as my most recent utility bill. I received a reply stating that specialist were reviewing my submissions and would get back to me soon. 8 DAYS PASSED and I still had not heard back from Chime. So I wrote an email to the support staff asking for a progress report and explaining the urgent need I have to regain access to my money so that I may pay necessary living expenses. I received a reply stating, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. 3 days later I received an email from Chime stating that in order to move forward, I needed to provide my XXXX XXXX form, as well as a tax prep invoice, government issued ID and secondary ID. I replied stating that I do not have a XXXX XXXX form because no such document exists. I do not have a form XXXX from the year XXXX because I did not file taxes for that year. I explained that they are mistaking the {$1400.00} deposit from the government on XX/XX/XXXX as a tax payment, when it is not. It is simply my 3rd Economic Impact Payment that all American citizens received. I explained that I have been unable to access the money in my account for FAR too long, regardless of the fact that I have supplied every single piece of requested documentation ad infinitum. I stated that at this point I believe Chime is intent on stealing my money from me, no matter what. I received a reply stating, We need the information we requested in our previous message to re-secure your account. Your account will remain suspended until we receive this information. I replied once again letting them know no such document exists because the deposit they are referring to is not a tax deposit, it was my 3rd economic impact payment. In reply, I received an email stating, To verify your identity and the deposit ( XXXX ) made between on XX/XX/XXXX, reply to this message and attach the following items : Secondary ID. A selfie of you holding an ID document and a piece of paper with your name and today 's date written on it. Written explanation : Tell us the origin of the deposit ( XXXX ) to verify that youre the intended recipient : IRS TREAS XXXX, XXXX for the amount of XXXX. Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, XXXX form, XXXX XXXX Invoice or receipt or IRS acceptance proof. Here they were, ONCE AGAIN repeating the EXACT SAME requests made countless times as well as a completely new request that had never once before been mentioned in any way. I couldnt help but feel like they were intentionally changing the threshold for verification every time I supply them with the documentation they have requested I give them. I replied with an email stating my outrage at how absurd their new request seemed and my inability to understand why they have continually repeated the same exact request for documentation I have REPEATEDLY supplied them month after month. I then immediately wrote another email in which I supplied every single piece of documentation they had just requested in the last email they sent. I truly believed that because I had so very quickly replied to their email giving them everything they requested, even the sheet of paper with my name and the days date written on it, that they would have no choice but to do the right thing and reinstate my account. Instead, I received an email stating, To potentially access any remaining funds, please provide : Government-issued photo ID, such as a driver 's license or state ID card ( front and back ). A secondary ID ( i.e., passport or signed Social Security card ) OR proof of address ( i.e., full page of a utility bill dated within the last 60 days ). Written explanation of the origin and intended purpose of the funds deposited in your account. Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, etc. I came to the immediate realization that this establishment and their support staff are absolutely not operating in good faith. They are intentionally mocking my pleas for help and are intent upon keeping my money. I dont understand why a bank would believe they can get away with stealing a customers money like this, but I am praying the Consumer Financial Protection Bureau will be able to help me to regain access to my accounts so that I can immediately withdraw all funds from this horrific establishment. Separately, I have 2 other disclaimers of information relevant to my account. The first is that when I originally opened my account via the Chime app, I mistakenly entered XXXX as my year of birth because I was speaking to my daughter on the telephone at that exact moment and she asked me what year her mother was born, which is XXXX. I was in fact born on XX/XX/XXXX. I did not realize I had mistakenly entered XXXX until months later when I had to contact Chime support over the phone regarding a charge I didnt recognize. When the customer service agent asked for my date of birth, she was not able to verify it in the system and it took the both of us a couple of minutes to determine what the issue was. At the time, she ensured me that she had in fact corrected my year of birth in their system. However, a few months later when attempting to change my password I was asked for my date of birth and when I entered it, I was told it was incorrect. So I entered XX/XX/XXXX and the verification went thru. Looking back, I should have immediately contacted Chime again to ensure they made the necessary change to my date of birth, but I brushed it off out of laziness thinking it probably wasnt that big of a deal and would probably never be an issue. To clarify, the year of birth discrepancy has never once been mentioned by Chime in our email communications, so it may very well be the case that the customer service agent that was supposed to make the correction simply noted my account explaining the discrepancy and that was satisfactory. The second is that when I first opened my account with Chime, I was living in XXXX XXXX. My address was XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I moved at the end of XX/XX/XXXX to the place I live now located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. When I moved, I emailed the Chime team to inform them of my change in address and I provided them with both my last utility bill for my home in XXXX XXXX as well as my first utility bill for my home in XXXX XXXX. For whatever reason, they have simply never updated the address in their system and still have my XXXX XXXX address listed as my official address. The discrepancy between the address they have listed in their system versus my actual address has not been cited as an issue or brought up in any way by the support staff in our email communications, I just thought it was best to make sure I gave you every single piece of information relevant to my account with Chime. I went through all of my communications with Chime and did my best to create a PDF containing all emails exchanged in a chronological order. This was not an easy task, and I was unable to figure out how to get the HIRE - Benefits Plan Profile PDF to be opened and on display in the subject of the email from XX/XX/XXXX at XXXX XXXX. However, I am attaching it to this email along with including each individual PDF and image displayed throughout the long PDF file of email exchanges I put together. Please let me know if there is anything else I can provide. My phone number is XXXX. I work during the day, but I get off at XXXX XXXX every day. I receive so many unwanted spam calls every day that I have stopped answering the phone for unknown numbers altogether. However, if you guys leave a voicemail I will call you right back, or if you can let me know a date and time you would be calling I can make sure to answer your call. Thank you in advance for your time and for your help. I look forward to hearing back from you guys and I very much look forward to the day this nightmare of mine will come to an end. Sincerely, XXXX XXXX
08/26/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 705XX
Web
My name is XXXX XXXX and I opened a bank account with Chime bank on XX/XX/XXXX. I used my account regularly without issue for nearly XXXX and years. Then on XX/XX/XXXX, both my checking & savings accounts with a total of {$3500.00} in them were frozen by Chime. I received an email that day from Chime requesting documentation to verify an attempted unemployment deposit from the state of Louisiana. Unfortunately, before I had the chance to send the requested documentation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was released on XX/XX/XXXX and have since then spent the last 4+ months going in circles with the Chime support staff via email trying to regain access to my money. Beginning when I was first released, I emailed Chime to explain why I hadnt yet replied with the documentation to verify the unemployment deposits were in fact rightfully meant for me. In my reply I attached a PDF which included the dollar amount of the deposits I received from the state of Louisiana, for verification purposes, as well a transaction number for each payment. I also attached a scanned copy of my department of corrections release sheet to prove that I was in fact XXXX. When I received a reply from Chime, they were requesting that I provide them with a photograph of my government issued identification as well as a picture of myself holding my identification next to my face. I explained in great detail to the support staff why I did not have an identification card and why it was not possible for me to obtain one. I explained that due to the fact that I had no money, ( because my account was frozen ) to purchase an identification card, and the nearest DMV is over 50 miles from where I live ( without transportation ), I was unable to provide the requested photo of myself holding my ID card. I also let them know that my drivers license has been suspended since XXXX and at this time I have XXXX separate outstanding DMV violations/flags that will cost me thousands of dollars to take care of. I was told by the support staff that they understood why I was unable to provide identification, and that in lieu of ID, proof of address along with another form of ID would be acceptable, i.e. birth certificate, social security card or passport. In the next sentence, they repeated their original request for an explanation, and any documents I had verifying the source of the account loads from the state of Louisiana and showing myself as the intended recipient. I didnt understand why they were repeating this request, but I went ahead and resubmitted the documentation anyway along with my most recent utility bill, and a scan of my birth certificate. Chime replied to my submission with an email once again requesting my government issued identification card, although we had already come to an understanding that I was not able to provide it and they had already listed other types of documentation acceptable to verify my identity. They also repeated their original request for an explanation, and any documents I had verifying the source of the account loads from the state of Louisiana and showing myself as the intended recipient. At this point, I began to feel as though I was being strung along and that the support staff had no intention of actually helping me to regain access to the money in my account. This feeling was only bolstered by the fact that no matter how many times I attempted to call their customer support hotline, I was never once able to talk to an actual human being for help. On XX/XX/XXXX, I exchanged emails with the support staff in which I requested that an agent please contact me via phone immediately so that I could once and for all figure out why my account was still frozen although I had already given the support staff everything they had requested numerous times over. I received a reply almost immediately stating, XXXX XXXX, After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX : //www.chime.comXXXX I was in shock and could not believe what had just happened. I wrote back to Chime and explained that when I attempt to call their member support hotline, I was told by an automated voice that because my account is closed, I would need to contact Chime via email for further assistance. I then repeated my requested for an agent to please contact me via cell phone to further assist me, and let them know that I had no intention of simply allowing them to steal my hard earned money from me. In reply, I received an email stating that a member of the Chime review team would contact me within 2-3 hours. The next email I received from Chime stated, To potentially access any remaining funds, send government ID, secondary ID OR proof of address, an explanation, and any docs you have verifying the source of the account loads and yourself as the intended recipient. I look forward to hearing from you. This left me extremely confused because not only were they again repeating the exact same request for the government identification they knew I did not have and had already agreed was not needed, they also made the exact same requests they had numerous times before regarding the explanation and documentation of the unemployment deposits which I had satisfactorily answered and supplied requested documentation for. But what was even more confusing was the fact that I had just been told in a prior email that I was not eligible for any kind of refund of my money, yet here they were stating that they looked forward to hearing from me in regards to regaining access to my account. Finally, on XX/XX/XXXX I was able to find transportation to the DMV located over 50 miles from my home and I was able to borrow the money required for my new identification card. On XX/XX/XXXX when I gained access to a computer and internet, I sent an email to Chime member support with the requested government identification as well as a photograph of myself holding the ID next to my face. I made certain that the scans of both the front and back of my ID card were very high resolution and that all 4 corners were visible. I also included the photograph of myself with my ID next to my face. I also resubmitted the scan of my birth certificate as well as my most recent utility bill. I received a reply stating that specialist were reviewing my submissions and would get back to me soon. 8 DAYS PASSED and I still had not heard back from Chime. So I wrote an email to the support staff asking for a progress report and explaining the urgent need I have to regain access to my money so that I may pay necessary living expenses. I received a reply stating, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. 3 days later I received an email from Chime stating that in order to move forward, I needed to provide my XXXX XXXX form, as well as a tax prep invoice, government issued ID and secondary ID. I replied stating that I do not have a XXXX XXXX form because no such document exists. I do not have a form XXXX from the year XXXX because I did not file taxes for that year. I explained that they are mistaking the {$1400.00} deposit from the government on XX/XX/XXXX as a tax payment, when it is not. It is simply my 3rd Economic Impact Payment that all American citizens received. I explained that I have been unable to access the money in my account for FAR too long, regardless of the fact that I have supplied every single piece of requested documentation ad infinitum. I stated that at this point I believe Chime is intent on stealing my money from me, no matter what. I received a reply stating, We need the information we requested in our previous message to re-secure your account. Your account will remain suspended until we receive this information. I replied once again letting them know no such document exists because the deposit they are referring to is not a tax deposit, it was my 3rd economic impact payment. In reply, I received an email stating, To verify your identity and the deposit ( s ) made between on XX/XX/XXXX, reply to this message and attach the following items : Secondary ID. A selfie of you holding an ID document and a piece of paper with your name and today 's date written on it. Written explanation : Tell us the origin of the deposit ( s ) to verify that youre the intended recipient : IRS TREAS 310, TAXEIP3 for the amount of XXXX. Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, 1040 form, Tax Prep Invoice or receipt or IRS acceptance proof. Here they were, ONCE AGAIN repeating the EXACT SAME requests made countless times as well as a completely new request that had never once before been mentioned in any way. I couldnt help but feel like they were intentionally changing the threshold for verification every time I supply them with the documentation they have requested I give them. I replied with an email stating my outrage at how absurd their new request seemed and my inability to understand why they have continually repeated the same exact request for documentation I have REPEATEDLY supplied them month after month. I then immediately wrote another email in which I supplied every single piece of documentation they had just requested in the last email they sent. I truly believed that because I had so very quickly replied to their email giving them everything they requested, even the sheet of paper with my name and the days date written on it, that they would have no choice but to do the right thing and reinstate my account. Instead, I received an email stating, To potentially access any remaining funds, please provide : Government-issued photo ID, such as a driver 's license or state ID card ( front and back ). A secondary ID ( i.e., passport or signed Social Security card ) OR proof of address ( i.e., full page of a utility bill dated within the last 60 days ). Written explanation of the origin and intended purpose of the funds deposited in your account. Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, etc. I came to the immediate realization that this establishment and their support staff are absolutely not operating in good faith. They are intentionally mocking my pleas for help and are intent upon keeping my money. I dont understand why a bank would believe they can get away with stealing a customers money like this, but I am praying the Consumer Financial Protection Bureau will be able to help me to regain access to my accounts so that I can immediately withdraw all funds from this horrific establishment. Separately, I have 2 other disclaimers of information relevant to my account. The first is that when I originally opened my account via the Chime app, I mistakenly entered XXXX as my year of birth because I was speaking to my daughter on the telephone at that exact moment and she asked me what year her mother was born, which is XXXX. I was in fact born on XX/XX/XXXX. I did not realize I had mistakenly entered XXXX until months later when I had to contact Chime support over the phone regarding a charge I didnt recognize. When the customer service agent asked for my date of birth, she was not able to verify it in the system and it took the both of us a couple of minutes to determine what the issue was. At the time, she ensured me that she had in fact corrected my year of birth in their system. However, a few months later when attempting to change my password I was asked for my date of birth and when I entered it, I was told it was incorrect. So I entered XX/XX/XXXX and the verification went thru. Looking back, I should have immediately contacted Chime again to ensure they made the necessary change to my date of birth, but I brushed it off out of laziness thinking it probably wasnt that big of a deal and would probably never be an issue. To clarify, the year of birth discrepancy has never once been mentioned by Chime in our email communications, so it may very well be the case that the customer service agent that was supposed to make the correction simply noted my account explaining the discrepancy and that was satisfactory. The second is that when I first opened my account with Chime, I was living in XXXX XXXX. My address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I moved at the end of XX/XX/XXXX to the place I live now located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I moved, I emailed the Chime team to inform them of my change in address and I provided them with both my last utility bill for my home in XXXX XXXX as well as my first utility bill for my home in XXXX XXXX. For whatever reason, they have simply never updated the address in their system and still have my XXXX XXXX address listed as my official address. The discrepancy between the address they have listed in their system versus my actual address has not been cited as an issue or brought up in any way by the support staff in our email communications, I just thought it was best to make sure I gave you every single piece of information relevant to my account with Chime. I went through all of my communications with Chime and did my best to create a PDF containing all emails exchanged in a chronological order. This was not an easy task, and I was unable to figure out how to get the XXXX XXXX XXXX XXXX XXXX XXXX to be opened and on display in the subject of the email from XX/XX/XXXX at XXXX XXXX However, I am attaching it to this email along with including each individual PDF and image displayed throughout the long PDF file of email exchanges I put together. Please let me know if there is anything else I can provide. My phone number is XXXX. I work during the day, but I get off at XXXX XXXX every day. I receive so many unwanted spam calls every day that I have stopped answering the phone for unknown numbers altogether. However, if you guys leave a voicemail I will call you right back, or if you can let me know a date and time you would be calling I can make sure to answer your call. Thank you in advance for your time and for your help. I look forward to hearing back from you guys and I very much look forward to the day this nightmare of mine will come to an end. Sincerely, XXXX XXXX
05/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MD
  • 210XX
Web
On Thursday, XX/XX/XXXX at around XXXX I was charged {$630.00} by XXXX to my Chime checking account. This was clearly a fraudulent charge that wiped out my checking account and put me into the red at- {$21.00}. I immediately contacted my bank, Chime, and my husband contacted the vendor, XXXX at the same time on a different phone. My card was shut off immediately and I filed a dispute through the app, then followed this dispute with a call. I was told that they would try and stop the charge from being settled so I would receive my money back as soon as possible. Due to the nature of XXXX I was technically refunded an amount around {$48.00} or so. They overcharge a certain percentage of your order to cover any changes that are made before delivery. This money was given back to me, which is normal and not part of the dispute, at around XXXX the morning of Friday, XX/XX/XXXX. At this time a bill of {$25.00} from XXXXXXXX XXXX was charged to my account because I gave them my routing and checking numbers. This bill was approved and was not an issue, but I bring it up to show what happened. After the return of this cover charge I was left with {$580.00} missing from my account. On the evening of Friday, XX/XX/XXXX, I received an email from Chime updating me about my situation. I believe this email was sent to me prior to XXXX. The email says, as followed : " An Update about your pending transaction inquiry XXXX XXXX, We're checking in about the unauthorized transactions request you made on XX/XX/2023. As a reminder, transactions with merchants begin with authorizations. Merchants must " settle '' transactions before collecting funds. When a transaction is settled, the funds have been successfully transferred from your account to the merchant. Unless a merchant settles a transaction, the transaction will expire. As a result, your money remains in your account. Because the transaction ( s ) expired, your money will stay in your account and we won't file a dispute. '' The rest of the email is links to the FAQ and contact sections. At this point I went ahead and checked my bank account and my money was not in my account. The purchase was also no longer pending. I went ahead and called Chime and spent over an hour talking to up to six different people. This interaction with Chime customer service was very alarming. Several individuals looked at my account and tried to tell me that the money was returned to my account due to the transaction expiring. Multiple times I had to tell them that, no, the money was no longer in my account and the transaction was settled in my account. At this point, about three different people told me that the money had been returned to me and I was charged a second time by XXXX I tried to ask them how that would be possible considering my card was closed and I was told that I must have had my routing and checking numbers on XXXX, which was not true, and I'm not even sure if you can do such a thing on XXXX Regardless, my account statement would reflect multiple charges and I was told that no, I would not see this, etc. I asked multiple times when the money had been returned to my account and I was told XXXX. I had to ask, XXXX or XXXX? I was told they did not have this information, nor could they tell me the time zone. I was transferred to another person who told me that money was returned to my account at XXXX, which is the already guaranteed to return to your account amount I explained before. This amount will always be returned by XXXX and was not apart of the dispute. Additionally, I was no longer able to see my dispute in the dispute center on the app, nor was I able to file another dispute with this transaction of over {$500.00} because I had already filed a dispute for this. After talking to a couple more people I was transferred to the final individual who told me that the transaction was expired, it was up to XXXX to give me back my money. When I pointed out that it was no longer pending it took over XXXX minutes for them to admit that XXXX was no longer responsible for the charge and that Chime was responsible for it instead. I had to repeatedly point out that the charge was no longer pending while they tried over and over again to say that it was still pending. After this exchange I was told that the return or the credit of my money would come my way within 7 days/5 business days. No one could explain to me why I had been lied to previously, what happened to my money, etc. At this time I send my meager savings over to my husband 's account just to avoid any further theft. I would also like to note that XXXX did reach out about the issue, but I believe that due to the actions of Chime, they didn't even know they had to still refund me, if that makes sense. I received two emails from XXXX about the dispute on their end and I filled out two different forms. It seems that due to the wording in their emails they were under the assumption this would be handled by my bank. Today, Wednesday XX/XX/XXXX, I had a very bad feeling in regards to the return of my money due to my lack of confidence with Chime. Initially I talked to a live agent through their chat system, as I am currently at work and unable to talk on the phone as I work the front desk of a museum. I wanted to see if they could tell me when my money would be returned to me, considering tomorrow it would be a week since it was stolen. At this point I was told by this person that I already had my money returned to my account, which clearly was not true. I was told " XXXX, We looked into your account and can see that the debit reported transaction ( s ) have expired and the funds have been returned. '' Of course I pointed out that no, the money was not in my account and was never returned. I asked when I would see the money, assuming they meant it was still processing. I was told " Amount has already credited in your account. '' After saying multiple times that I did not receive my money, etc the agent then said that the transaction didn't actually expire, it was fully settled. I then asked for them to explain what they meant by settled. I was told, " Means, it was not refunded. It was charged to your account. '' At this point I had to ask multiple times why this was allowed to happen, why I got an email saying it expired, etc. I was told multiple times that they had to file a new dispute, or that my original dispute had to be reopened. I asked multiple times why this had to happen when I already filed a dispute, had it canceled by Chime, and told that the transaction expired, etc. At this point the agent just kept saying the same thing over and over again, so I was able to get some coverage at the front desk and I called someone. I was told over the phone by an agent that actually the transaction that expired was the {$48.00} which was returned to my account. I will point out that because this was not a real return and was simply apart of the normal transaction process by XXXX, there is no deposit of a return visible in my account statement. Additionally, it makes no sense for this amount to be the expired amount due to the nature of how XXXX works. I had to explain this multiple times to the XXXX different agents I talked to when I first called. They also attempted to tell me that the amount was returned to me, and I went through the same as described above. Thankfully they did, finally, transfer me to someone else. This is when I was told that they really do not know where my money is and why it is not in my account. They looked into the original dispute, my account, their system, etc and saw that there was this overall notification about the transaction expiring and that they can't figure out as to why the transaction would have been settled and the money not returned to me. At this time it gets really confusing and I hope that I am coming across clearly as much as I possibly can? The person I was speaking to on the phone at this time then asked me if I filed a dispute already because they see that I did, to which I agreed and I explained that I got this email from Chime which canceled my dispute as they stated the expiration of the transaction means they do not have to continue with the dispute. The dispute disappeared from the active dispute section on my app, but did not appear in the cancel section of that. The agent at this time does not understand why my dispute was canceled if the transaction actually didn't expire, while also saying it did expire, but was settled, etc. It was honestly very confusing as to what he was saying possibly because he was also confused, I'm really not sure of this particular situation. During this conversation with this agent I was told that XXXX should have reached out to me about returning my money. The emails I received from XXXX did not specifically mention a refund, and I'm very confused as to why they would now be the responsible ones when I have been told over and over again by employees of Chime that the transaction expired and the money was not returned, etc. I was also told that since it's no longer pending, that it no longer their responsibility, etc. At this point I do not know who is responsible for returning my money. My issue, however, is that Chime has had this issues. I was transferred to someone from disputes who also tried to say all the same things I have already said here so many times. The disputes agent told me that the only option is to file another dispute, not even open my previous one, in order to have the investigations department look into where my money went and why it was not actually returned to me. I continually asked why this had to occur when I had already submitted a dispute. I also continually asked how long this would take, any aspect of it, because I have already waited on them and I no longer trust anything said to me by this company. I was told that he had to submit this dispute and would supposedly escalate it, though he could not tell me how long this would take. I was told that he could only submit the dispute when he got off the phone with me, but I do not trust anything anyone says so I had to request over and over and over again for around XXXX minutes to please stay on the phone with me so that I can know exactly when the dispute was supposedly filed so that I can have a definite time. I am not being dramatic when I said this took XXXX mins. I asked multiple times, why can't you file this dispute while I'm on the phone with you, to which they did not have an answer for. Instead they would sit there in silence. Finally, they said they could place me on a quick hold to file the dispute and would get back to me. This dispute was supposedly filed at XXXX ( est ) on Wednesday, XX/XX/XXXX. During the end of yet another hour long call with Chime, I was told that the investigations dept is the only department that can send me an email about my dispute, despite the agent I was speaking to supposedly being a supervisor in the dispute department. I was told there is no timeline and I would not immediately receive an email about this new dispute. Currently, as I have spent the last thirty or so minutes typing this, I have tried to check and see through the Chime live agent chat if this dispute was actually filed. It seems that the only dispute coming up is still my original dispute, which again, I can't see on my side of the app. I was supposedly transferred to another person in the chat section. This is a different screen that says " Support Request '' and " Escalation from live agent to D-DIN ... '' with a yellow button saying " working on it ''. As of now it has been XXXX minutes since being transferred to this new chat box and I have yet to have a response and there is no way for me to re-enter this chat, meaning I have to go through the main chat all over again. I will also point out that actually, it was over XXXX minutes. The chat does not automatically refresh and would not refresh manually either. I would also like to point out that within the normal chat it says you can chat with a live agent in less than XXXX minutes. At the time of writing this particular sentence I have still not received an email about this new dispute, and I had to once again contact an agent for information. It has been almost an hour since I got off the phone with that last agent, and I still have XXXX confirmation that the dispute was actually filed. After talking to yet another agent, I was told there was no evidence of this new dispute and I would have to go through everything all over again. I am once again on the phone with Chime trying to figure out what is going on. At this time I was transferred to yet another agent in the dispute department who told me that I was charged a second time my XXXXXXXX and that the dispute I filed didn't cover that, which by now we all know that isn't true. He also confirmed that the other individual I talked to did not in fact file the dispute like he said he did. I am currently on the phone with this agent after repeatedly pointing out that the missing money is still a part of the first transaction, the percentage that XXXX overcharges, the fact my card was closed, etc. After about XXXX mins of having to go through this nonsense yet again, he finally said he was going to file the dispute for me while on the phone with him and that he had never heard of needing to hang up the call to be able to file this dispute on their end. It looks like a dispute was actually filed this time, as I received an automatic response at XXXX ( est ) on today, Wednesday XX/XX/XXXX. I have attached to this complaint as many screenshots that I could take. this includes the multiple emails from XXXX, the email from Chime about the transaction expiring, the chats with the agent, and multiple screenshots of my bank account since the money was stolen from me. I also just, once again, emphasize that my issue is not with XXXX, it's with the way that Chime has handled everything that is the issue. It makes me incredibly suspicious simply because of the initial email I got saying that the money would stay in my account, and everything that happened afterwards.
12/07/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 93030
Web
I have been contacting Chime about my Chime Credit Builder Account for nearly two weeks now since XX/XX/2020 without any progress. My Chime Credit Builder Secured Card was disabled without my knowledge which left me stranded at XXXX XXXX XXXX XXXX after it was also repeatedly declined ; even though, the balance was available on the card. I then called to see what the issue was with the card and was just left on hold by to representatives for an hour and 15 minutes after being told it was disabled because of a due balance. Neither of them ever came back on the line to mention there will be a longer wait, please stay on the line, it'll be a moment longer, or anything. This a secured card and has also been advertised as a secured card with no annual fees, no interest, no credit check, and no minimum balance required. The aforementioned advertised aspects of this Chime Credit Builder secured card is why myself and no doubt, many others have decided to get the card to improve one 's credit. A secured card is a card that is funded by your own money, hence the word secured and not a credit line issued to you by the bank as with unsecured cards. There's is no risk to the company as you are using your own money to fund the secured credit card. From there, one simply spends an amount on the card and the bank reports a utilization of that complete balance to the credit reporting agencies after 25 days. The card holder will then just re-fund the balance they used back to the card to keep their utilization low or at 0 % if they never use what they've funded onto the card, or re-fund exactly what they used in a short period of time. I have always replaced the balance I've used back on to the card within a week or less as I was using this Chime Credit Builder secured card to rent a car. XXXX XXXX would charge the card {$300.00} or so, hold that balance until after my rental week or few days is complete, then I would put the balance charged back onto the card, then extend my car rental the next week or few days, then XXXX XXXX would charge the card again, and so on ; thus, there was never a time where what was used could be reflected as a bill due on the card as I would always re-fund what I've used back onto the card in a week or less. After ending the rental, and not extending it, XXXX would then keep the charged amounts per rental extension charged each week, and they would then reflect in total on one specific day, even though they were charged individually throughout each week of the month. After the card was disabled, then speaking with two separate Chime customer support reps who dismissively placed me on hold for an hour and 15 minutes, and never came back on the line, I then emailed Chime about the issue I was having with the card. XXXX, a chime customer support rep, first responded to my email stating the same response of there being a bill of {$73.00} due on the card to reactivate it. I then explained to him that is incorrect as this a secured card, I have always replaced what I have used within a week or less, and that the only way there could be a bill is if there was interest, or if I ever overdraft a balance over my self funded balance and did not cure it. Also mentioned that this Chime Credit Builder Card is being advertised as a secured card, with no annual fees/or interest, and that I am no longer interested in having the card any longer and want the account closed immediately. To which the Chime rep responded : " Hi XXXX, Once a Chime Credit Builder has been closed, it can not be reopened. Money remaining in the Credit Builder Account will be mailed to you in a check. Use the Chime App 's Move Money feature to transfer available money to your Spending Account instantly before closing your account. To allow me to close your Credit Builder Card Account, please confirm you're aware of this limitation and you have transferred your available to spend to your Spending Account. I look forward to hearing from you! '' Kind Regards, XXXX | Chime Member Services -- -- -- -- -- -- -- -- -- -- - To which I then responded with : " Hi XXXX, Remaining balance has been transferred from the Chime credit builder card account. Please proceed with it's closure. Thank you. '' XXXX XXXX -- -- -- -- -- -- -- -- -- -- After several days, I noticed that the account was still open and that they had just reported it to the credit reporting agencies. I then emailed XXXX again and stated that I completed the steps he mentioned, and that I want the account to be closed. To which the Chime rep then responded with : " Hi XXXX, Please accept my apologies for the long waiting. We are reducing the number of team members in our offices at any one time to guard against COVID-19 concerns. It means we might be getting back to you later than the usual timeframe. Thank you so much for your patience during this unprecedented time. In order for us to close your Chime Credit Builder Account, please pay the missing Credit Builder bill so we can gladly process your request as proper! I look forward to hearing from you! '' Kind Regards, XXXX | Chime Member Services -- -- -- -- -- -- -- -- -- - The balance that is erroneously reflecting as due, is now {$2000.00}. I then responded with screenshots of the account showing that I always re-funded the secured card with the balance that I used within a week or less and that there also should not be any balance due because it is a secured card, they charge no interest, they charge no annual fees, and the card is not currently overdraft which would result in a negative balance. My exact response was ( which also included screenshots of me re-funding what I've used back onto the card, however images can't be rendered within this message area resulting as the words Inline Image ) : " Hi, there should not be a bill because it was my own money use from my own account, and each time I used the card the amount was replaced. I do not owe {$2000.00}. A secured card works by using the money one puts on the card then putting the balance on the which I have done each time I've used the card. The only way there would be a bill is if I overdraft money or if there were late fees or annual fees. Which this company has advertised that there are not any. Inline image Again, a secured card is a person 's own money used to secure a line of credit on a credit card. If someone has only used the money they have place on the card there should be no bill. If there is no overdraft, there should be no bill. If there are no late fees, there should be no bill. If there is no annual fee, there should be no bill. I have continuously placed the money back onto the card and used only the money available on the card. Inline image Inline image Inline image Inline image Inline image Inline image Inline image Inline image There was an over draft once for {$66.00} in XXXX, however I cured it by placing money on the card. Finally, I do not owe a balance on this secured card as I have only used the money I have place on the secured card, have always placed the money that I have used back onto the card, and since I have no overdraft balance, late fee balance, nor annual fee balance there should be no bill for this Chime Credit Builder secured card ; thus, my request several days ago, to have closed should have simply been honored. Once more, the remaining balance in my Chime credit builder account has been transferred out, and yes I understand that once it is closed, it can not be reopened. At this time, I want this Chime Credit Builder account to be closed immediately, or I will have to pursue legal action as paying money I do not owe and reporting it on my credit report affects my quality of life. '' XXXX XXXX -- -- -- -- -- -- -- -- -- -- - To which the Chime rep responded : " Hi XXXX, Thank you for providing that information! I am truly sorry for the confusion in regards to how does the Credit Builder Account work. I will gladly share with you how does it work in order to verify the payment missing. Please note that the Credit Builder program consists of two elements : the Secured Account and the Credit Builder Card. When you add funds from your Spending account to your Secured account, this money is held as the total limit available in the Credit Builder. However, when you make transactions with your Credit Builder Card, the money you spend is not the one in the Secured account, but money credited by Chime. When you reach the end of the billing cycle, and if the automatic payments are enabled, the funds are taken from the Secured account to cover the total amount spent on the period. After taking a careful review of your Credit Builder Account, I was able to see that you have your " Safer Credit Builder '' feature disabled. Once activated, this feature will automatically pay your Credit Builder bill at the proper time and amount when you reach your payment date ( For the automatic payments on your account, it will be on the 3rd )! The funds that the feature used to pay the balance are the funds already transferred to your Secured Account. Due to the Safer Credit Builder feature is not active, you will need to process a Manual Payment, to make a manual payment when the safer credit-building option is disabled, you will have the extra option " Make a payment '', and the app will ask " How much do you want to pay from your secured account ''. Then, you can select if you want to pay the full amount or a partial amount. Since the due date for billing has already passed, I'll highly recommend covering the full balance. After this, you'll need to type the debt amount and click on the option " Review manual payment ''. Once you confirm the payment on " Submit Payment '' you should be able to see the past due balance already covered. Please let me know if I can assist you with anything else. '' Kind Regards, XXXX XXXX Chime Member Services -- -- -- -- -- -- -- -- -- As indicated by his response, Chime has falsely advertised this Chime Credit Builder Card as secured card. He mentions that you not only pay the balance used of your self funded balance placed onto the card, but you also pay Chime that same balance as well to Chime because it is " credited '' by Chime, which is complete incorrect as the money you put onto the card from one 's Chime Spending account ( or checking account ) is your very own money. This is not a line of credit or an unsecured credit card issue by Chime. My exact response was : This is not mentioned in the Chime Credit Builder advertisements as I would not have gotten this account as it means paying double and not inline with what a secured card is. Chime 's advertisement only states that it is a secured card funded by one 's Chime Spending account with no late fees or annual fees. I want my Chime Credit Builder card account to be closed immediately. If this is not done as I've already requested several times now, I will have to proceed with legal action for false advertisement, and other damages if this account reports on my credit after I have continuously stated that I want my Chime Credit Builder card account to be closed. '' XXXX XXXX -- -- -- -- -- -- -- -- -- -- Before this issue with their Chime Credit Builder Card, Chime has been decent to do business with in regards to the checking and savings account. However, their behavior with this Chime credit builder card account is egregiously misleading and deceptive. They have surreptitiously gotten my business with this Chime Credit Builder card as myself and others have been made to believe it to actually be a secured card with no interests or fees as they have advertised. If they were to truthfully advertise this card as mentioned by the Chime rep, as it being a card that one will self fund with their own money from their checking account ( Chime Spending Account ) as a secured card, have to replace what they have used, and also pay Chime that exact balance because some how it is being " credited '' by Chime even though it is actually your money, I find it irrefutable that anyone would use this Chime Credit Builder Card product while being rightfully informed of what it consists of. If one does not transfer money from one of their other accounts into the Chime Credit Builder card account, the card would decline if used as there would be no funds available on the Chime Credit Builder card which further proves the point of the balance being one 's own money that's being used ; and, that the balance on the card is not money credited by Chime as mentioned by the Chime rep. Overall, due to Chime 's fraudulence and false advertisement of this Chime Credit Builder Card, I want my Chime Credit Builder Card account to be closed immediately, and for it to be removed from my credit report ; or, I plan to seek legal action for fraud, false advertisement, and damage to my quality of life.
01/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33604
Web
I am receiving a complaint against Chime and XXXX. I submitted a complaint on XX/XX/2022 regarding the same issue. The complaint number is XXXX. I am outraged that this is XXXX and the complaint is still open and I get an email from the company to elaborate on my complaint this morning.I don't know how much clearer I can get by showing a pictureof the duplicated account that they can't even close and say paid as agreed never late or delete it.I have also called experience and told them about this too and yet the representative says they see it but it's still remains on my credit report!! I am protected under The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner. Banks and other lenders use this information to make lending decisions. Right now your inaccuracy is harming my credit worthiness! I am also protected under the UCCC The Uniform Consumer Credit Code, also known as UCCC, is a guide to state law that governs how lenders treat consumers. Its purpose is to protect consumers from predatory lending and minimize misinformation among other regulations. The Uniform Consumer Credit Code is a code of conduct designed to protect consumers from misinformation or fraud that could be caused by creditors or lenders. 16 CFR 313.4 ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1666 - Correction of billing errors a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. YOU ARE SUPPOSE TO CORRECT THIS AND NOT BILL ME! According to 47 U.S. Code 222 requires telecommunications carriers to provide confidentiality for customer information as proprietary information of another common carrier. Carriers are prohibited from disclosing customer information except as required by law or with the customer 's permission. 16 CFR 1026.13 & D1-3 15 47 USC In accordance with 1026.11 ( 1 ) ( 2 ) Each time a payment is received, your account is deemed to be credited immediately. This is an infraction. Each time a balance is greater than {$1.00} ( the dividend check ), the corporation is supposed to forward the funds to my account. ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. Paragraph 11 ( a ) ( 3 ). Your company is also in violation with the following rules : Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) You are not abiding by these laws XXXX & Chime! You are putting my credit, and way of life in jeopardy!!
06/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11377
Web
RE : Checking Account # XXXX Chime Dispute # XXXX / XXXX / XXXX / XXXX Since I opened the account with Chime, I have encountered numerous alarming instances of criminal negligence by their ( evidently ) limited English-speaking/understanding customer support staff ( who mainly are outsourced from XXXX, tXXXX XXXX XXXX etc. ), abroad, communicate, comprehend/process what you are saying react accordingly, and solve a ( simple ) problem in their job description. Note : They failed to add all mentioned fraudulant charges in my initial report/dipute # XXXX I later needed to dispute XXXX more charged seperately that is still pending dispute # XXXX There's no better way to describe ( factually ) the level of incompetence, infantile mental capacity, and criminal negligence of their pseudo : Bank front and customer support, that they falsely present to their customers ( I being one of them ). For example : Details on the XXXX dispute # XXXX initially filed XX/XX/XXXX at XXXX : XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX ) - XXXX XXXX - {$86.00} * XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX )- XXXX - {$52.00} * XXXXXXXX XXXX XXXX ( " XXXX '' XXXX )- XXXX - {$13.00} * XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX )- XXXX - {$6.00} * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$53.00} * XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - XXXX XXXX - {$7.00} * XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX XXXX - XXXX XXXX - {$86.00} ( Note : This was left out by chime in the first dispute ) I filed it XXXX. This charge was later added in dipute # XXXX upon my discovery. ) XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX ) - XXXX XXXX XXXX {$88.00} *. Total Losses : {$390.00} Deatails of dispute # XXXX : XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX ) - XXXX XXXX XXXX {$86.00} * -- I say all this with experience/evidence, and can prove their rogue operation 's criminal negligence/acts. Note : that they claim that they record calls with customers, so you may be able to get a copy of calls ( if need be ). I also have records of their criminal acts, that can prove their ill-will from their over-simplified run infantile business. i.e. : Their intent to deceive and scheme to defraud multiple customers with their false : XXXX XXXX and Debit Card/ Credit Card service. What they present and falsely advertise to customers on social media and online is far from what you ( actually ) receive. Features/Services that they claim ( XXXX ) they provide ( e.g. : Mobile Deposit of Checks into your Checking Account ) all of a sudden don't work or are not available. When you ask why, they have no sensible, realistic, or grounded reason to explain to you why its not working or available; other than some vague/ambiguous excuse if any. They then try to point at their ever-changing, on-the-fly terms and conditions which try to wave their need to provide the services they promised and advertised. i.e. : Basic banking features. My biggest complaint at this point is with their companys deliberate mishandling of my grounded disputes in the past. Where ( evidently ) they willfully over-simplify the complaint and submittal of the dispute to the related merchant and Visa ( IF AT ALL ). And in turn, the dispute itself ( i.e. if they { actually } dispute it, after you filed it ) gets denied because of their rogue infantile operation and criminal negligence. When you ask for documents to show you what they've submitted on your behalf and what the merchant ( and/or Visa ) submitted in response, the only thing they send you is a very vague ambiguous short non-nonsensical frivolous/ridiculous ( canned ) reason, as to why they denied my dispute and decided in favor of the merchant. In a recent dispute that I filed for fraud, some criminal ( possibly a cashier at XXXX XXXX ) skimmed my Debit Card and used my Debit Cards details and/or clone of my Debit Card to fraudulently make multiple purchases at Merchants ( either online and/or in person ). Furthermore, I never purchased anything from these merchants before using my Chime account. When I called CHIME Customer Support to report the multiple fraudulent charges that I discovered, I yet again got a Customer Service agents with a limited ability to : pay attention, mentally process, and thoroughly communicate, what I'm reporting to them ; these agents simply read a script ( like a Bot ) and XXXX their Customer Support position, in the hopes they fool you to trust that they will properly report/dispute the charges with VISA. Only to discover that they again deliberately submitted a partial, incomplete and infantile dispute, causing it to be " denied '' within a week or so of initially being disputed. Account Number Ending In : XXXX | Claim ID : XXXX Date Error Reported : XX/XX/XXXX | Claim Amount : {$220.00} They then offered to send me documents To show me what they submitted for the dispute and how they came to that conclusion and decision where they claim Visa denied it. I have evidence to believe that they themselves denied it and not Visa, By the timeline, it took them to get back to me with the denial. Then later not given me the paperwork they promised to show me evidence how to how they disputed the charges. To this day, I have yet to receive any documents for the fraudulent dispute, where my Debit Card was skimmed ( i.e. Debit Card Details were covertly copied by a thief ) and used multiple times by a criminal without my consent or knowledge. And they keep giving me a false promise to either, email me or mail me letter with all relative information and communications with the VISA and the merchants. In turn, they are ( but not limited to ) committing the criminal acts of : Scheming to Defraud multiple people, False Advertising, and running their rouge operation with severe Criminal Negligence by aiding and abetting and acting in concert with Credit Card/Debit Card thieves/scammers ( which makes them guilty of the following criminal acts committed, under Accessorial liability, and Culpability ). [ Criminal Charges they are guilty of under NY State Penal Code Law ] : - Culpability ( XXXX ) - Criminal liability for conduct of another ( XXXX ) - Criminal liability of corporations. to the following ( XXXX ) - Criminal Possession of Stolen Property in the fourth degree ( XXXX, section 2 / Class D Felony ) - Forgery in the second degree ( XXXX, section 1 / Class D Felony ) - Criminal Impersonation in the second degree ( XXXX sections 1 and 4 / Class A Misdemeanor ) - Scheme to defraud in the first degree ( XXXX section 1 part C / Class E Felony ) - Unlawful Possession of a Skimmer Device in the first degree ( XXXX / Class E Felony ) - Unlawful Possession of Personal Identification Information in the Second Degree ( XXXX ) - Grand Larceny in the fourth degree, section 2 ( XXXX / Class E Felony in NY XXXX ) The fact that the Criminal committed several felonies listed above, it therefore also constitutes : - Identity Theft in the second degree ( XXXX section 3 { possibly Section 4 } ). I'm supposed to be protected and insured by VISA in such instances of fraud ; yet evidently by whatever willful inaction, support/suppression of criminal acts, or incompetent means of this rogue Online Bank ( CHIME ) company, that insurance is basically pseudo and nonexistent. Especially when infantile CHIME employees ( with the { mental/communication } capacity of a peanut ) act as your ( telephone-game ) translator ( if you will ) and middlemen to VISA. Their staff on recorded lines have proven their incompetence/carelessness on multiple occasions. i.e. : In processing/comprehending ( what they are hearing ) and communicating properly in XXXX, executing a proper investigation/submittal for a Debit or Credit Card dispute, then responding and acting upon a request of VISA or the Customer. XXXX. : When I asked them numerous times to provide me with documents to prove what they've done, submitted and how that decision came to be. The lack of providing that documentation acts as circumstantial evidence, makes them suspect, and points to the likelihood that they knowingly/willfully mishandled the dispute. Causing this and previous disputes to be denied either by their back-end without even submitting it to VISA ( and CHIME pretending they did ) ; or by VISA, because of their criminal negligence/acts, and infantile communication or execution. Then they try to hide their willful criminal negligence, and rogue operation by not providing you a copy of what they submitted and what they did to try to investigate your dispute. I've asked them numerous times to give me the address of their corporate headquarters and legal department ; but they keep telling me the only way to contact their corporate Headquarters, is via email ; which never gave me access to a corporate level that could fix these issues. I'm quite sure they have enough, customers making complaints to them at some level, and some means of gathering that feedback from customers. Their continued willful acts of negligence, makes it evidential that their corporate Headquarters supports their XXXX Bank operation ( under the guise as a " Online Bank '' ). I have spent a great deal of time and money trying to communicate issues with their operation and mishandled disputed charges with them ; but their deviant staff carelessly hide behind their computers and simply try to troll/exhaust you, by sending you canned, patronizing, dismissive, evasive, sidestepping and disingenuous responses .... in the hopes you give up on whatever you're trying to bring to their attention ( and have them rectify ). I'm requesting your Bureau investigate this criminal operation, file criminal charges against those involved, and seek restitution for victims, that have been negatively affected by their rogue operation. In the past, when I filed a dispute against XXXX ( I think claim # XXXX ), I caught their staff lying to me ( in writing ), that XXXX claimed the disputed amount was already refunded, even before I received the item : Basically claiming : an item ordered ( let 's say ) XX/XX/XXXX, was refunded by XXXX XX/XX/XXXX ( for no reason at all ) while it was still en route to get to me on the XX/XX/XXXX. When I brought this to CHIME 's attention by phone and email, they kept dancing-around concrete evidence with the same canned response trolling, hoping that I give up on pointing-at-the-elephant-in-the-room ( in a matter of speaking ) and take the loss. They have committed several acts of fraud against me ( and I'm sure thousands of others ) with their Scheme to Defraud. I therefore wish to press criminal charges against those responsible within the company. Other than my demand for restitution. To this day, I've lost thousands of dollars damages/losses because of them, other than time spent trying to communicate issues to their company and merchants ( when filling disputes ). I can provide you with dates/recordings/emails and more detail if youre interested and can help rectify this. Just let me know where to send them and in what format. Thank you for your time.
07/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MI
  • 48842
Web
On XX/XX/XXXX someone broke into my car and stole my sander, about {$1.00} in change that was in my cupholder, a XXXX gift card with {$18.00} remaining balance, a prepaid card that belongs to me, and my XXXX which was signed into my XXXX and contained all kinds of personal information, passwords, my apps, my photos, financial info, etc. To make matters worse there was also XXXX unauthorized transactions that were processed on my checking account with Chime Bank XXXX XXXX ) totaling {$6500.00} all within a 3 hour and 39 minute time span. I have listed the time, date, and amount of each transaction below. XX/XX/XXXX at XXXX - {$1000.00} XXXX XXXX XX/XX/XXXX at XXXX - {$1000.00} XXXX XXXX XX/XX/XXXX at XXXX - {$1000.00} XXXX XXXX XXXXXX/XX/XXXX at XXXX - {$1000.00} XXXX XXXX XXXXXX/XX/XXXX at XXXX - {$1000.00} XXXX XXXX XX/XX/XXXX at XXXX - {$1000.00} XXXX XXXX XXXXXX/XX/XXXX at XXXX - {$500.00} XXXX XXXX After discovering these transactions and seeing my checking account balance on my Chime app the same day on XX/XX/XXXX the very first thing I did was cancel my debit card and reported it as stolen. After that I called Chime to tell them what happened and report these unauthorized transactions. The Chime rep told me since the transactions just happened earlier that morning I would need to wait until the transactions were no longer pending and were settled and then I would need to dispute them from my Chime app. I kept an eye on them and on XX/XX/XXXX all of the transactions settled and the funds debited from my account. I created a dispute, but the chime app would only allow me to include XXXX transactions, so I selected XXXX of them and called chime to dispute the remaining transactions. Rather than making this all the same dispute, for some reason the transactions were split and submitted in XXXX separate disputes which I have outlined below. Dispute XXXX - filed through the chime app XX/XX/XXXX then {$4000.00} provisional credit was applied to my account on XX/XX/XXXX and then dispute was denied XX/XX/XXXX. XXXX credit was reversed on XXXX. Please see page 1 of the attached documents which is a copy of the email Chime sent me to let me know that they declined the dispute and will be reversing the provisional credit. I am furious with the outcome of this dispute for many reasons but the first one is that Chime did not adhere to Regulation E requirements in this dispute. Regulation E states Upon debiting a provisionally credited amount, the financial institution must notify the consumer of the date and amount of the debit and of the fact that the financial institution will honor ( without charge ) checks, drafts, or similar paper instruments payable to third parties and preauthorized debits for five business days after transmittal of the notice. The financial institution need honor only items that it would have paid if the provisionally credited funds had not been debited. Upon request from the consumer, the financial institution must promptly mail or deliver to the consumer copies of documents upon which it relied in making its determination ( 12 CFR 1005.11 ( d ) ( 2 ) ). As you can see on page 1 of the attached documents Chime did not tell me that it would honor those payments, instead they told me to make sure I have enough money in my account to pay back the credits and I also need to have enough money to pay for any other possible charges that are going to go to my account. I requested the documents containing the info that Chime relied on in their investigation on XX/XX/XXXX and they were not emailed to me until XX/XX/XXXX. I have attached the document and it is going to be page 2 in the attachments. - Chime stated that no PII or PIN changes during disputed time frame and no indication of phone compromise. My phone was with me safe the whole time but as I already have stated my ipad was stolen that contained all sorts of info, pictures, my icloud account and all my passwords, etc. As far as I know, the statement about no PIN changes is correct but that would only apply to point of sale transactions. Regulation E 12 CFR 1005.9 states that the electronic terminal receipts should include the type of transfer which Chime did not include, and the location of the terminal which Chime did not include. The type of transaction is vital to show if the PIN was even used or not. If this was not a point of sale transaction then I highly doubt that a PIN was needed, I have never personally had to enter my PIN except for point of sale purchases. If chime would have followed Regulation E then this would not need to be questioned. -The second reason Chime listed is because there was no hallmarks of account take over. That is true, I was able to log into my account and cancel my card but I am unsure why they are using that to justify denying my claim for unauthorized charges that were made on my debit card. - The third reason Chime listed is because they say the dollar amount of the disputed transaction is normal for my account. That is absolutely false. I have had my Chime account since XXXX and not one single time have I ever spent thousands of dollars back to back to back like what was done. There was {$6500.00} spent in 3 and a half hours, multiple transactions of {$1000.00} that are just a matter of minutes apart from each other and I have NEVER spent that much money that fast at the same place over and over. Chime gave an example of a single transaction I made a few days prior for {$3000.00} to XXXXXXXX and they are claiming that since I made that transaction it proves I authotized the charges in the disputte which is a ridiculous accusation with no valid reasoning behind it. - The fourth reason Chime listed is the disputed merchant is normal for me. Then they state there is an attached list of the transactions however they did not include any such list with prior transactions. So I will include them, please see page XXXX in the attachments. As you can see the transactions to this merchant that I did authorize are much much smaller, a lot of them are less than {$100.00}. If you compare that to the charges that were disputed they were clearly not normal spending behavior for me so again that is a false statement made only to deny my dispute. - The fifth reason Chime states is that the type of transaction is normal. They say I made a card not present transaction previously and use the same example from earlier where I added {$3000.00} to my XXXX XXXX. Chime says it is safe to assume that since I have made a card not present transaction in the past that the disputed transactions must be me because they are card not present transactions as well. That is complete nonsense, Im pretty sure everyone has made a card not present transaction at least once and it has nothing to do with the transactions in this dispute I dont understand why me adding money to my own XXXX XXXX multiple days before the disputed transactions happened would be considered as valid evidence that chime can use to deny my dispute. - The sixth reason Chime gives is because there is minimal denial codes found during the disputed timeframe, there was no attempts to exhaust the account including no insufficient funds errors code XXXX, no pin errors code XXXX, and no attempts to charge a reported stolen card code XX/XX/XXXX Ok first off when they say minimal denial codes that means there was in fact denial codes but they do not disclose how many. That is a subjective statement and this is a dispute for over 80 % of all the money I had to my name. I will not accept that for an answer. I want facts and real numbers. Definitive statements not subjective. Second, they say no attempts to exhaust the account and that is a flat out lie please see page XXXX of the attached documents which is an email from Chime during the disputed timeframe where Chime says that my card was declined because it has reached the allowed spending limit! The person who was charging those transactions absolutely did try to drain the account and that proves it. They spent as much as they possibly could and here Chime is claiming the complete opposite and using it as evidence they relied on to deny the dispute. There was no insufficient funds codes because my spending limit was reached and there was still a little bit of money in my account so obviously there will be no insufficient funds codes???? There was no pin error codes because it was card not present transactions according to what they just said in their fifth reason for denying my dispute and you dont need your pin number except on point of sale transactions that is completely irrelevant!! There were no attempts to charge a stolen card because they had already successfully drained it. Then I cancelled the card as soon as I discovered what had happened. I dont know what else I can do, its obvious that Chime is not here to help me. This has got to be illegal, how can they just lie like this when it is something that is so important? -The last reason they listed is there was a transaction adding funds at XXXX so they say that means I had control of my account and was aware of the transactions. That transaction they are talking about is from a money transfer that I had requested on XX/XX/XXXX and it got deposited on XX/XX/XXXX after the transactions in dispute. That deposit has absolutely nothing to do with the disputed transactions and I had no control of the timing it went into my account. Dispute XXXX - filed by phone at XXXX on XX/XX/XXXX and denied less than 9 hours later at XXXX on XX/XX/XXXX. I requested to be sent the documents used for making the decision on XX/XX/XXXX and Chime sent it to me on XX/XX/XXXX. I have attached a copy of the document in the included pdf, it is going to be page XXXX of the attached documents. -Chime says the first reason that they denied my dispute is because I told them I had possession of my card during the time these transactions were taking place. That would be a valid reason if these were point of sale transactions where my physical card was swiped but thats not the case so Im not sure why they are relying on that info to deny my claim. -Chime says the account was funded intermittently XXXX times throughout the disputed timeframe. Please see page 6 of the attached documents which shows my transactions for the account and you can see that is another incorrect statement made by Chime. As I mentioned previously, I received a visa money transfer at XXXX on XX/XX/XXXX but that was requested a day prior and I had no control over when that payment would post to my account. Chime states there is also a second transaction where I funded my account during the disputed timeframe, but as you can see there is not a second transaction where funds were added during the disputed timeframe. That is yet another false statement made by Chime which they relied on to deny my dispute. This is not how a financial institution should be carrying out investigations.
02/23/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • ID
  • 83201
Web
To whom it may concern, My name is XXXX XXXX. In XX/XX/XXXX I opened an account with Chime Bank with {$4000.00} into savings. I had just relocated from XXXX to XXXX and the purpose of this account was to have an account in which I could deposit my paycheck until I was able to open an account at a local bank. I am paid every two weeks approximately $ XXXX {$600.00} each payday. At that time my account, aside from my savings account, should have no more than what is deposited by my employer, maxim {$1200.00} per month. Currently my monthly government Social Security benefits, approximately $ XXXX monthly, also go into this account. Over the past 8 months my account shows deposits, both cash and transfers of several thousand dollars a month. My account shows more money going through my account in deposits, transfers, spending and ATM withdrawals than I have deposited by my employer, some months in excess of {$8000.00}. Every month there are transactions and charges that I did not make, as well as refunds and credits equaling thousands of dollars. More alarming are ATM withdrawals in which my bank statement validly reflects me withdrawing from local ATMs here in my town, but at the same time, on the same date, the same amount being withdrawn at ATM locations, miles and hours away and often in completely different states around the country. These ATM withdrawals run into the thousands of dollars. Every month my bank statement shows transactions and charges that I did not make. Usually these transactions show for one or two days on my bank statement and then disappear, but there are occasions where I have noticed the transactions before they disappear and report them to Chime immediately. When I have called Chime to report these transactions, I am always transferred to a customer representative in a foreign country whose grasp of the English language is extremely limited at best. I have even been transferred to agents who are on the XXXX. When I report these transactions, my account is immediately put on hold, a dispute claim is filed, and new debit and credit cards are mailed out to me. A dispute form is sent to me via email to be filled out and returned to Chime so Chime can open an investigation on the disputed transaction. I have only filled out and returned TWO transaction dispute forms. I have discovered that Chime has filled out and submitted in my name several false disputes. When I have inquired about these claims that Chime has me making, I ask to have a copy of the claim sent to me so I can verify them myself. I am told that I need to submit the request in writing or directly told No. To date, Chime has yet to provide me any claim which they say I have made, only the dispute claim reference number with no details. Sometimes I am fortunate enough to be transferred to a customer service representative who shares with me the details of the claim and they either do not match the amount of the disputed transaction or the claims are made to merchants that are not on my bank statement or to merchants of valid transactions. As stated, on many occasions transactions have been altered or totally removed from my bank statement. When I call Chime to inquire about these modified or missing transactions, I am transferred by customer service to another department where I am told that these transactions have been resolved and removed from my bank statement as not to cause me any undue stress. I have informed Chime that it is illegal for them to alter, edit, modify or delete transactions from my bank statement and have requested all transactions be included in my statement, especially the ones that Chime claims to have resolved. I have asked for copies of these claims and updated statements but have been told no and refused. I have receipts and bank statements that are in complete contradiction to those shown on the Chime app, including transactions that do not show on the Chime app, as well as the date of transactions, amounts of transactions and merchants being altered. Any time I question a transaction my account - my debit and credit card - is frozen until another debit and credit card is mailed out, a process that sometimes takes 2-3 weeks, which during that time I have no access to my funds or the Chime app. I have used my Chime credit card and debit card to pay certain bills and have bills set up on auto-pay to be paid on certain dates. My bank statement reflects these transactions being paid and the funds deducted from my account but the bills have not been paid as my bank statement reflects. Over the past six months I have sent over 300 emails to Chime and have made over 500 phone calls to Chime about these issues. In XXXX I contacted Chime and informed them that my email address had become compromised and I gave them my new email and phone number. Chime has continued to interact with and send my personal banking and financial information and exchange email correspondence with the very email that I had informed them had been hacked. I know this because the hacker continues to forward me, mockingly, the emails that Chime sends them and the communication back and forth between Chime and the hacker. In the beginning of XXXX I had enough and went to the police. While with the police we called Chime customer service who spoke directly to the police, customer service transferred us to another department and someone who identified themselves as the supervisor spoke to the police. When I was handed back the phone this supervisor told me what to say and instructed me to lie to the police, telling me that I am his ( the supervisor ) boss and he works for me and that he will send me via email as soon as I leave the police station all the information that I had been requesting for the past 5 months. I told him no, at which point he became very upset and told me that he can not speak to me anymore because based on the psychological profile that Chime has in my folder, I am XXXX and XXXX XXXX and Chime is therefore suspending my account. He also said that because I downloaded my bank statement I was in breach of Chimes terms of service and that was another reason for them to terminate my account. The next day, XX/XX/XXXX, I called Chime and was told that in order for my account to be reactivated I needed to send them a copy of my drivers licence. I complied. Chime replied that I need to send a copy of my social security card. I complied. Chime replied that I need to send them a photo of me holding both my licence and social security card. I complied. Chime replied that I need to send them a copy of my homeowners insurance card. I complied. Chime replied that I need to send them a copy of my health insurance card. I complied. Chime replied that I need to send them a copy of my passport and a photo of me holding my passport. I said no and told them that I had enough. Chime then completely blocked my account. I have not been able to make any transaction or access my account since XX/XX/XXXX. Since then I have received several emails from Chime as well as receipts from merchants regarding hotel reservations and confirming charges and payment received. During that week I began to receive XXXX XXXX by email and text. These emails seem to originate from Chime as they XXXX email addresses and from the same email addresses that I was corresponding with Chime for the past several weeks and months. Many times these would bounce back to me as undeliverable or account no longer active, email not valid, etc., even though in all cases they were active just days and even hours before. Also text messages from odd numbers. I immediately notified my ISP and my mobile phone provider to report this. I was informed by my internet service provider that my network had become compromised and there were operating systems not mine, logged into my network. I was informed by XXXX, my cellular phone service, that my account had not only become compromised but outside programs had been remotely installed on my phone. XXXX immediately put me in touch with XXXX security who verified spyware and maleware programs directly linking Chime bank statements which were saved in my XXXXXXXX XXXX that had been mysteriously removed, as well as my phone and laptop webcam and microphone, and basically my entire laptop, phone, and even my smartwatch with IP and XXXX addresses associated with Chime Bank. Most disturbing though, is the call I received from my home security system at XXXX, alerting me that my home security and home security cameras had been disabled by an outside source and deactivated. All three companies have sent me the necessary information, which includes all data logs, entry logs and security logs to give the appropriate authorities and investigating organizations. There is so much more to all of this, including proof that Chime is using funds from my savings and has given access to my savings account to outside sources, third parties, to use for investment purposes of which I had not knowledge of or authorized. To date, Chime has made NO attempt to contact me regarding any of this, NOT ONCE, even after 5 months, 300+ emails and 500+ phone calls by me to them informing them of what is happening. As to date, I still have no access to my account, my funds, or my missing savings. On Tuesday, XX/XX/XXXX I received a new SIM card from XXXX and was given a new telephone number. I use a XXXX phone as well as a XXXX XXXX so its all connected. I called Chime to once again have on record and recorded call, me calling them and asking about my account. Surprisingly the Chime automated system recognized my new number and connected me with Chime customer service. I did not give Chime my new number so how they had in their system is up to them to explain as well as everything else. I was informed by customer service that my account is no longer frozen or suspended and that new credit and debt cards, which I did not request, have been sent to me and I should expect them in a few days. I am humbly asking, begging, someone to please help me and to investigate this. I dont know what more I can do. Please, please help me. Sincerely, XXXX XXXX XXXX
05/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 62901
Web
Included herein is the first complaint process and response : Inactive modal Consumer Financial Protection BureauStart a new complaint All complaints XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Checking or savings account ISSUE Managing an account We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT On XX/XX/XXXX a little after XXXX XXXX I went into my account to check my recent transactions when I noticed a purchase of {$95.00} that was placed on a website called XXXX I immediately clicked the transaction to see more info and it noted it was an apparel purchase. Knowing I myself have never even shopped at this place or even heard of it before, I Swiftly clicked the dispute transaction button and followed exactly what I was told by chime to do which included cutting off my bank card and ordering a new one, so that's what I did. After I received a reassurance message from them that they would be investigating this claim and that my new card would be on its way I felt confident this matter was going to be handled correctly. In the meantime I was issued a " virtual temporary card '' to pay my bills and so forth. A day or two later I go to purchase groceries from XXXX XXXX XXXX using this temporary card and it was declined. I immediately call chime support and explain what happened and the woman at first didn't even understand the situation I described to her ( even though it was in detail exactly what happened to me and why I put a hold on my account cancelled my card etc. ) She tells me yes it was denied because there's a block on your account. I told her AGAIN yes I did that MYSELF because of the fraudulent charge I saw so I cancelled my bank card AS I WAS TOLD. After 3 times explaining this to her she says " oh we didn't even get the request for a new card OR THE DISPUTE. '' Now mind you on my app it was telling me my new card was PROCESSING AND MY DISPUTE WAS BEING INVESTIGATED. I asked her what in the world is going on why was I being told two different things?? She told me don't worry I'll go ahead and put the dispute through for you, order your new card, and issue you a new temporary card. I told her ok great that's fine please do. Fast forward a few days later I check my app again just to see if there's an update. Surprisingly, there is but not a good one. My dispute had been closed by Chime saying no fraud was detected. At this point I'm feeling betrayed and frustrated. No fraud detected? So they're saying I did this? Why In the world would I put myself through having to cancel my pending bills and route them all to a temp card, and call a handful of different places, INCLUDING MY LANDLORD ( who only accepts CASH that I can not access because I have no physical card at the moment..which made my rent LATE by the way! )? Not to mention I had to pay an extra fee on my car note because I had to make it over the phone Instead of through my debit card on auto pay AND then have to worry about possibly not getting my Direct deposit from work!? IT MAKES NO SENSE. So at this point I'm almost livid. I call them back and ask them why my claim was denied. The lady tells me no worries we will submit a rebuttal and we will make sure we take care of this for you. I am in tears at this point simply because of frustration and honestly feeling like I've been violated and my money isn't protected the way it should be AS PROMISED. Still, I'm cordial and I ask her once again, am I safe am I protected and is this going to be taken care of correctly? She reassures me, yes. Fast forward once again to today. I receive an email from Chime saying once again there was no fraud detected and my case has been closed... Again. There was an option to email support for a copy of the " documents '' they used in determining this so I told them Yes ID LIKE WLL OF THEM. I am currently sitting here feeling like taking my little XXXX XXXX dollars out and telling them to take a long walk off a short bridge, but I feel I need justice. If this happens to me over only {$95.00}, who else is this happening to or HAS this happened to? What about our rights and our voices? What about being an FDIC? THIS IS NOT OK. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Dear XXXX XXXX : Chime Financial Inc. ( Chime ) received the complaint you filed with the Consumer Financial Protection Bureau on XX/XX/XXXX. In your complaint you explained that you opened a dispute investigation for an unauthorized transaction that posted to your account, and you disagreed with the final determination of No Error Found. You asked that we refund your money. Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDIC. XXXX XXXX XXXX serves as the issuer of your Chime Checking Account that was opened on XX/XX/XXXX. On XX/XX/XXXX, you contacted us to report one ( 1 ) unauthorized transaction in the amount of {$95.00} had posted to your account. We filed a dispute and began an investigation into the matter. On XX/XX/XXXX, we concluded the investigation and based on the information available determined that no error occurred. An email notification was sent informing you of the outcome and that no credit would be posted. The same day, you asked that we reopen the claim. Additionally, you requested a copy of the documents we relied on in making our determination, which were forwarded to you via email on XX/XX/XXXX. On XX/XX/XXXX, we concluded our review of the rebuttal claim and notified you via email that we determined no error occurred. As a result, you requested a copy of the documents we relied on in making our determination, and they were forwarded to you via email on XX/XX/XXXX. Upon further review, we determined additional investigation of the dispute claim was warranted. On XX/XX/XXXX, we applied a provisional credit to your account for the full amount of the dispute. This temporary credit was provided to allow you full use of the funds while we complete our investigation. As a part of our dispute investigation, a chargeback may be requested by Chime. A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is valid. We expect to conclude our investigation no later than XX/XX/XXXX, and will notify you via email with our findings. Chime places great importance on providing an excellent customer experience. Please feel free to contact Chime Member Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team MONETARY RELIEF AMOUNT {$95.00} XXXX XXXX XXXXChime XXXX XXXX XXXX XXXX XXXX CHIME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C Chime Member Services [ image : Chime ] This is an automated response to let you know your request has been received and is being reviewed by our Member Services team! To ... C Chime Member Services to me 1 day agoDetails Chime Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$95.00} XXXX XXXX, 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 that no error occurred. On XX/XX/XXXX, a temporary credit was posted to your account on a temporary basis until we completed our investigation. On XX/XX/XXXX, the temporary credit will be reversed and your account will be debited in the amount of {$95.00}. Please ensure that there are sufficient funds in your account to cover the amount that will be debited, as well as any purchases or payments you plan to make. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. Thanks, Chime Dispute Team MY RESPONSE XX/XX/XXXX XXXX XXXX to XXXX 4 minutes agoDetails My response to your decision remains the same and I have several questions left unaddressed. I want to know why the ip address of the person who conducted this purchase was never investigated. I also would like to know why the shipping information of the goods in question was never provided. Where is the response from the company in question? I would like to receive all in email form within the next 5 days, and I will be opening another complaint with the consumer financial protection bureau. You are not allowed to debit this money from my account as the process is not yet closed for I will continue to fight this matter. Have a good day. Complaint id XXXX XXXX XXXX
04/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IN
  • 46112
Web
On XX/XX/XXXX I received a text message from Chime Fraud Alerts asking me if I attempted a transaction at XXXX for XXXX. I responded No. The following day, I received another text from the same number asking for a code to verify my identify and shortly after I revived a text from Chime with a six digit code. I entered the code. I received a call from Chime, I didnt answer the first 2 calls because they popped up as potential spam. I received a text that stated a Fraud specialist will be calling me and I received another phone call. I answered and it was someone claiming to be a Chime Fraud specialist and that someone in California was trying to use my card, but they caught it and they were going to make sure nothing happened to my account. They were going to be sending me a new card, changing all my passwords and pin, and disabling my current card. So we are on the phone from XXXX XXXX on XX/XX/XXXX until XXXX XXXX on XX/XX/XXXX. During that time, the Fraud specialist is telling me that I would be getting text messages asking about transactions and to respond yes to all of them. He stated it was apart of the process of securing my account. So I did as instructed. Then he stated I would see transactions on my card but that he was the one that was doing it and they were not going to go through, just going to be in pending status and then the money would be returned to my card. So l allowed that to go on. There were multiple charges on XX/XX/XXXX for different amounts that he placed on my card ( listed below ) XXXX - {$17.00} XXXX - {$100.00} XXXX - {$100.00} XXXX {$85.00} XXXX- {$87.00} XXXX {$64.00} XXXX- {$45.00} XXXX {$21.00} XXXX- {$4.00} XXXX- {$6.00} XXXX {$.00} XXXX {$27.00} XXXX- {$16.00} XXXX {$7.00} Once he placed the charges on my card, he repeatedly informed me that they were not real charges and they were going to be credited back to my account once I receive my new card in the mail. Once the phone call concluded on XX/XX/XXXX, he had disabled my card, ordered me a new one, deleted my PIN number, assisted me with changing my password, deactivated my online account, and placed the charges on my card. Also during that time my card was repeatedly added and removed from XXXX pay, which he informed me he was doing that as well. He informed need my new card was on the way and once I activated it, my account would be credited and all of my money would be as it was before everything occurred. He also informed me if I needed anything I could just text the Chime number that he had been contacting me from and he would call me. The following day, XX/XX/XXXX, I checked my email and saw that a bank account was added to my Chime account. I logged into my online account and saw that there was a bank transfer from my account to the linked one, XXXX XXXX, for {$1300.00}, which I did not authorize. I immediately contacted Chime disputes and disputed the transfer. Then I text the Fraud number and asked the agent to call me. He called and I informed him of the transfer and he informed me that he would take care of it. He informed he that he reported the transfer as fraud as well and that my money will be credited back to my account. He also informed me my new card would be arriving later in the week and once I activate it, all of my funds, the XXXX and the pending transactions would all be credited to my new card. Two days later, the {$1300.00} was returned to my card by the bank. On Thursday, XX/XX/XXXX, I realized I did not receive my direct deposit from my job. So I text the Fraud agent to see if there was something going on in my account. He informed me that my direct deposit was sent to a different account that they set up for me and that he would move the money from my current account to my new account. ( This did not make any sense to me ). He told me to use the pay friend feature on my account and send my money to a phone number that was linked to my new account, which he provided to me. I did as instructed. Afterwards he informed me something went wrong and to email Chime support and inform them that I accidentally sent my money to the wrong number. I did as instructed. He informed me to wait for an email response and to text him once I received it. After getting off the phone, something didnt seem right to me so I went into my account and cancelled the transfer. I informed him that I cancelled the transfer. He called me and we confirmed I had my money back and then he informed me to send it to a different number. I did not do that because it didnt seem right. He said he would work on another way for them to link my now 2 accounts so that I could revive my direct deposit and that he was going to call me back. I never received a call back. The following day I received my direct deposit. ( I think it was just late. The agent was lying and trying to get me to send my money to an unknown number ) On Friday, XX/XX/XXXX, I received my new card in the mail. I activated it and text the agent and informed him I received it ( so I could get my credit ). On Saturday, I text the agent and informed him I still had not received my credits. He text back it was processing and they would notify me when it was completed. On Monday, XX/XX/XXXX, I text the agent and asked him when my money was going to be credited. He responded that my direct deposit was processing. I informed him I already received my direct deposit and that I was referring to the credits for the charges he placed on my card. He responded that it was processing and I would be notified by email. Then I received another text that a Chime Fraud agent would be calling me. He called and we began talking about my credits. He told me he was going to get everything credited while we were on the phone. He asked me did I receive my new card. I informed him I did and he asked for the card number. He informed me he needed it in order to put the credits on my new card. So I gave him my card information. He informed me he was going to work on getting my credits and he placed me on hold. Shortly after, I received a text that my card was enrolled in XXXX XXXX. A few minutes later I started seeing charges on my charges for XXXX, that I was not making. Once the agent returned to the phone, I informed him of the charges. He told me he was going to stop it and get it rectified. He placed me in another hold. The charges continued. He came back and i informed him it was still happening. As it was happening he was asking me to update my balance to him, which I did. At one point the charges stopped and he told me him and his supervisors stopped the charges from happening to my card and he was going to work on my credits. He placed me on another hold. The charges continued until there were a total of 10, as follows : XXXX - {$100.00} XXXX {$100.00} XXXX- {$100.00} XXXX- {$100.00} XXXX- {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} Once the agent returned to the phone, I informed him off the additional charges. I then informed him that I felt like something was going on at Chime and with him because none of this started happening until he contacted me. He hung up on me. I then called Chime back ( I called the same number he called me from, it was Chimes customer service number ). I spoke to another agent and informed him of all of the charges from XX/XX/XXXX and XX/XX/XXXX. He informed the charges were pending I had to wait for them to post before they can be disputed and that they would do all they could to investigate the Fraud on my account. He informed he that I would receive an email from the dispute department informing me of my next steps. I have not received an email yet. I am not sure I want to work with Chime any more looking back and seeing how it is a very high chance that someone at Chime is using their power to steal peoples money. I have not been credited back for any of the charges on XX/XX/XXXX that were made by the Chime agent. And now I have new charges that I believe were made by the Chime agent and I have to wait until they post to my account to even dispute them. I have no more money left in my checking account or my savings account. During all of this he moved money from my sayings to my checking. He also placed a charge on my Chime credit builder card on XX/XX/XXXX for {$54.00} at XXXX XXXX At one point in the call he asked for my credit card number because he said he was securing my online account. I received more of the text messages he informed me to reply yes to and then that charge came, which he also told me would be credited. Something is going on at Chime and it should be investigated. I would really like all my money to be credited back to me and Im not sure who to turn to anymore. This is really hard on me as I am a single mother of 3 children. Please help.
12/31/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Trouble getting information about the card
  • TX
  • 773XX
Web
It all started when I saw a an ad on the computer saying that I could get a new phone if I could transfer my number over to XXXX XXXX, obviously needing a new phone because Mom was broken I thought it was a great deal to just pay for the month of the first payment and get a new phone which was {$68.00} and I would receive a month of service and a XXXX XXXX XXXX new phone. Well from the beginning everything was messed up but this isn't about XXXX this is not about XXXX because it's about time bank account because whenever I try to pay with my chime make account card it's not a credit card it's a debit card I put in the wrong address because I wanted it sent to a different address, I didn't know that they meant to put the address on my card as the same as my mailing address I didn't know they had to be the same, since people move all the time. So when I put in the wrong address, obviously XXXX XXXX denied the purchase. This is where XXXX comes in as real crooked and they should be investigated as well because whenever they denied my purchase I asked a friend if I could use your credit card to pay for this purchase because it wasn't accepting my time card and they said yes so I used their card to purchase the phone in the service and all that it's XXXX dollars was the absolute final payment in full before I was supposed to get my phone the next day. Luckily she did this for me and I thought everything was okay until 2 days later I finally received my phone when they promised 24-hour delivery. And I go to get my son breakfast next morning on my Chime card and I find that not only did my friends money come out of her account the {$68.00}, but they also took the {$68.00} out of my chime account that they denied in the first place. That left me dumbstruck to say the least, so the first thing I did was call chime, and let them know there was an unauthorized charge on my card, not once did they say they were going to freeze my card not once they tell me they were going to turn my card off if I would have known this, I never would have left chime card as my card to refund the theft. I would have to close my account out and and call XXXX and had some other form of payment for them to send payment card for them to send it to me back to me. I had not a problem with chime, up until that point .in order to even report to them the unauthorized transaction or theft of money for my account, since it was not even approved for them to even get into my account ( XXXX meaning ), I had to tell them the exact last XXXX transactions that I used on my chime account card, meaning to the very last red cent. luckily while I was on the phone with chime I used it for the very last time at the XXXX station I was getting gas at I had a little bit of money left over minus the XXXX $ Cricket, took off my card I had like {$4.00} left I can't even get my son breakfast XXXX luckily I spent that on gas while I was talking to XXXX " XXXX '' before they froze my card. They said that that they could not stop the pending transaction because it was still pending, and then it was up to XXXX to stop the payment or cancel the payment at their discretion, so I had to call them and there was nothing that chime could do .... Of course I call XXXX immediately not only do they tell me that they see the money right in front of their face still pending, and they are unwilling to send it back until I register my account into XXXX, even though they have XXXX payments one that did go through and XXXX that's still pending they never should have gotten into in the first place. So I have to begrudgingly, register with these people the same people that stole money out of my account. Then they inform me after I register can not cancel my transaction but even though it was never my transaction in the first place they stole it, the couldnt, refund my money or stop payment. I went back and forth with chime and with XXXX all in all probably XXXX times maybe even more than that!! mind you every time you call XXXX there's a automatic XXXX minute wait, then you get put on with someone completely different than you talk to you last time, and you get to run around like you would not believe, and it's the same answer every time, '' you have to call your bank '' which chime is not even a bank, and they authorized it and they alone can refund my money or stop payment or cancel payment. Here 's the kicker, LOL, so I call XXXX back and I tell them that XXXX told me that they had to refund my money or stop payment cancel payment that they were not authorized to do that on their end. But now it's a XXXX days later after arguing with XXXX about taking my money and assuring them that my bank told me that they could not do it, that I had to call them and XXXX had to pay or stop payment on the pending charge. So 3 days later I called my chime card virtual whatever they are back, and I am frozen out of my account, completely!! All the sudden my saved password no longer works, and I can not change my password because you have to pretty much give them your first born child in order to Simply change your password ..that 's a joke obviously, but you have to jump through hoops like send in your picture of your ID send in all XXXX last transactions you made send in your bank number I'm just all kinds of things I did every single one of the things I asked for I even had to take a selfie with a written date was holding it beside my face this is at XXXX in the morning I was loving this, LOL, I had to take a picture of the my actual card front and back, I had to give them my social security number I had to give them several forms showing that it was me including pictures live pictures of with the date and time written beside my face and my ID a picture of my ID right beside my face. At this point of course it had been 3 days since I had spoken to chime, and in order to even get into my account at all, over the phone virtually over the phone with these people I had to verify to them of course my social security number my ID number my bank card number and long behold the last XXXX transactions to the very last red Cent that I had made on the card. 3 days prior when they asked me for this it was easy to give them that, cuz I had made XXXX of thetransactions that day, and XXXX atm withdrawls the prior day..So, I was only able to get into my account that first day before they froze my card. 3 days later I had no earthly idea with my last XXXX charges were to that same card they froze which they never told me they were going to freeze that card they never told me I was not going to be able to use it ever again, so I never thought about even memorizing the last XXXX transactions are writing them down to the last XXXX. So I'm assuming that XXXX says they only had 15 days to refund the money back to my account which I'm sure they did by now but I don't know because I can't get into my account at chime, without knowing the exact amount of the last XXXX transactions that I made the day before XXXX stole the money out of my account and chime froze my account and no longer lets me in it. I have called and called and called and called numerous times over and over and over I would say probably XXXX times maybe a little less maybe a little more begging them sending them every single bit of proof that I could send them in this world everything they've asked for us sent them but since I don't know those last XXXX transactions to the last cent I'm no longer allowed to be in my time account which has my money in it I'm a single mom struggling to pay my bills barely have a half-assed car, and that {$68.00} XXXX not seem like a lot to some people but it could be the difference between eating and not eating in our house it's disgusting how they run their business is disgusting how their customer service will hang up on you treat you like a dog and simply like you lied to you and lie to you just to get you off the phone I need my money back I needed it back that same exact day I had everything they needed that day to do something about it and they couldn't they wouldn't do it. Thank u for your time..Sincerely, Me Also, I have countless emails with all the proof they asked for ... selfie, Photo of id, card, SSN..etc I XXXX be able to send the pics they requested, but its threatening to log me out, which will erase all here
05/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NY
  • 10035
Web
This letter serves to memorialize the issue regarding a transfer made from my Chime checking account ending in error by Chime on XX/XX/2023 at XXXXXXXX XXXX EST. On XX/XX/XXXX at XXXXXXXX XXXX EST, I began the steps of linking my XXXX business account ending in XXXX to my Chime account. During the process of linking the accounts, I was prompted to a website called XXXX to continue the process. On XXXX, I selected XXXX and proceeded to the XXXX home page where I entered my credentials. I was then prompted to a page where I selected my only XXXX account. Upon completion, I was sent to another page on XXXX confirming the success of the link. At XXXXXXXX XXXX EST, I received an e-mail from XXXXXXXX XXXX confirming that the account was linked. at XXXXXXXX XXXX EST, I received an e-mail from Chime also confirming the accounts were linked. When I returned to Chimes page to initiate the transfer, I selected transfer and then received a confirmation stating that the transfer would take one to three business days to complete. At that time, I had no reason to believe my funds would not transfer to my XXXX account since this was the first time that I had ever linked any account to Chime. On XX/XX/2023, after one to three business days, I discovered that no transfer had been made to my XXXX account. When I went on chime to check the status of the transfer, I saw that the funds had been sent to an account ending in XXXX. I never linked any additional accounts to Chime other than my XXXX account ending in XXXX. When I refreshed the page to see if my account ending in XXXX would appear, I saw an additional account ending in XXXX. I took a screenshot of the accounts and immediately called Chime to inform them of this error. When I called, a member service agent named XXXX informed me that since it was an ACH transfer, it could take up to five business days. I requested to file a dispute as I did not enter or request for the funds to be sent there. I received an email from Chime stating that a temporary credit would be applied to the account by XX/XX/2023 if a the issue has not been resolved. On XX/XX/2023, I received an email that the dispute has been closed. I called Chime to explain to them that it was no way I could have linked the accounts to Chime and that the same account number XXXX kept appearing as a linked account. Several member service agents and agents in the dispute departments said on the recorded line that they were experiencing high call volumes for linking external bank accounts. I called XXXXXXXX XXXX and spoke with an agent named XXXX ( Ref # XXXX ) and a supervisor in disputes at Chime named XXXX ( Ref # XXXX ) on a three-way call. XXXX confirmed to XXXX that my account ending in XXXX was not linked to Chime, there were no funds received by XXXX and the accounts ending in XXXX and XXXX were not associated to me. As per the process of linking account, there is no way I could I have entered the full account number or link my XXXXXXXX account using XXXX. XXXX asked if the full account number could be provided to her to confirm if it was a XXXX account. However, XXXX stated that he could only provide the last for digits. Later I called and spoke with another agent named XXXX. He submitted a request for the documents used to determine the decision and he reopened my claim as a rebuttal. I explained to him that I tried to link my account several times and an account number ending in XXXX remained as a linked account. I took photos and emailed them as supporting documents to member services. XXXX also stated that there was an glitch in Chimes system. I requested that this be documented to my account with respect to glitches in Chimes system. Once again, I was told that I was eligible for a temporary credit that is set to post on my account by XX/XX/2023. I was also told by the agent that he would send this case to escalations to determine if the provisional credit may be made before XX/XX/2023. Over the next few days, I continued to call Chime to inform them that XXXX was still linked to my account. I spoke with supervisor named XXXX ( Ref # XXXX ) who reviewed all of the previous notes made by all of the agents I spoke with. I mentioned to her that the {$630.00} from the transfer was due for my rent and that I am being charged a late fee for every day the payment is missed. She said she would expedite this to the investigations team as I since I am being charged a late fee for every day the payment is missed. I received numerous automated emails as follow up repeating stating the same information. On XX/XX/2023, I called Chime again to check the status of the decision of the provisional credit. I spoke with agents and told her that Chime has made an error in linking account. While I was on the line with her, I deleted the account ending in XXXX as I have previously done and attempted to link my account ending in XXXX. She saw on her end that XXXX was still the number showing on the account. She transferred me to a supervisor name XXXX. XXXX was able link my account manually. He informed me that sometimes there are issues because it is a business account. He also provided me the full account number where the funds were sent to ( XXXX ). I called XXXX to provide them with this information to determine if the account belonged to XXXX. I was informed that this was not a XXXX account. On XX/XX/2023, I called Chime to check the status of the provisional credit and spoke with XXXX. XXXX informed me that there will be a credit posted to my account for {$630.00} on XX/XX/2023. I asked her to send an email stating this so that I can provide this information to my landlord. She stated that an email will be sent. I called back and spoke wit reps in member services XXXX, XXXX ( Ref # XXXX ), XXXX, XXXX and a supervisor in disputes named XXXX ( Ref # XXXX ). I have a transcribed conversation with XXXX stating that I am eligible for a provisional credit in the amount of {$630.00} and I would receive it on or before XX/XX/2023. However, I will not receive anything in writing since it is a rebuttal. In Chimes user agreement under Terms and Conditions of Using Pay Anyone Transfer As a Non-Chime Member Section VII, it states that Chime is not liable if there is an error in the info entered and or if there are additional errors unrelated to Chimes platform. When I linked my XXXX account, I only entered the account ending in XXXX. At the time of the transfer, I had no reason to believe or way of knowing that if would not be sent to XXXX. It was not until XX/XX/2023, when the transfer was set to post that, that I noticed the transfer was made to account ending in XXXX, and that said account was also linked to Chime. I emailed screenshots of my screen on my desktop showing XXXX and XXXX as linked account that I never authorized. Chime failed to fix this error after numerous phone calls and documentation showing that there were accounts other than mine linked to Chime. Chimes representatives were misleading in informing me that the funds could be recovered after it is transferred. Chimes representatives initially withheld the information regarding the account ending in XXXX, thus preventing XXXX from attempting to investigate the account in a timely manner. Chimes representative used misleading language expedite under false pretenses assuring me that someone in the escalations department will review this claim. Chime informed me that an expedited decision regarding the provisional credit would be made. At this time, due to Chimes negligence in adding and transferring unauthorized accounts without my knowledge, I have incurred over XXXX XXXX dollars in financial loss. I am experiencing emotional and financial hardship due to Chimes untimely help in thoroughly investigating and removing unauthorized accounts.
06/12/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • GA
  • XXXXX
Web
Friday XX/XX/XXXX I Initiated a transfer of {$1000.00} into my chime checking account from my linked banking account, XXXX. At the time my Chime savings account had {$270.00}, and Chime checking account had {$370.00}. It usually takes 3 to 5 days to post on my Chime account. According to my XXXX records it posted on ( XX/XX/XXXX ) at approximately XXXX eastern time zone. This deposit brought my total checking to {$1300.00} plus {$270.00} in savings for a total {$1600.00} available in funds in my chime account. On XX/XX/XXXX I tried to send my wife {$1000.00} to her chime account but my account had a limitation on my funds, and I could not send her any amount of money. On XX/XX/XXXX I called chime to see why my funds were frozen. I spoke with a girl, and she referred me to chime/support chat where I was told by email. Hi XXXX, We discovered that your account violates Chimes member agreement and internal policies. To potentially access any remaining funds, please reply to this message and attach the items below : To verify your identity and the validity of the deposits made in your account, please provide the following items : Government-issued photo ID, such as a drivers license or state ID card ( front and back ). A secondary ID ( i.e., passport or signed Social Security card ) - or - proof of address ( i.e., full page of a utility bill dated within the last 60 days ). A selfie of you holding an ID document and a piece of paper with your name and today 's date written on it. Written explanation Tell us the origin and intended purpose of the funds deposited. Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, etc. For account security, please upload attachments using this generated secure link : https : XXXX. This link accepts XXXX attachments at a time. Documents must be in JPG, PDF, RTF, TIFF, PNG or HEIC format. We dont accept XXXX XXXX Files or other document formats. We may request additional items after the initial review. To upload documents via the secure link : 1. Click on the link provided in this email, then click Add an Image. 2. Select up to 10 images to upload and click Submit. Once submitted, well look at the documents and get back to you as soon as possible. 3. If the link has expired after an hour, you can regenerate the link by clicking Send me a new link and looking for another email with the new link. Contact us again if you have additional questions. Thanks, XXXX | Chime XXXX XXXX I uploaded a selfie of me holding my drivers license with a sheet of paper with my name and date written on it. A picture of social security card, A PDF of my latest bank statement, A picture of Written explanation of the origin of the deposit. which came from my bank. After waiting a few hours to see if my funds were unfrozen, since I uploaded everything that was asked of me, my account was still frozen. So, I called XXXX again and spoke with XXXX at XXXX XXXX eastern time zone. I was somewhat agitated by this time especially after this guy could not help me. I asked for the case number for our call. After much hesitation he told me the ticket number was ( XXXX ). On XX/XX/XXXX my account was closed, and I could no longer log into my chime account with my phone. So, I emailed Chime and got the same list of things I needed to upload to chime to prove who I was. I drove to my hometown bank XXXX and showed the teller the emails between chime and me. The teller printed out a detailed activity report of the transactions on my account. She highlighted the {$1000.00} transfer to stride which is chime. I get back home and start the upload process. I uploaded a picture of me holding my drivers license with a sheet of paper with my name and date written on it along with my social security card. A picture of my electric bill with my name and address on it. A picture of the documents that my bank printed out for me, showing the detailed transactions on my account. On XX/XX/XXXX chime says : XXXX XXXX, Thank you for reaching out to Chime XXXX Services. Hoping you and your loved ones are having a great week and staying safe. We sincerely apologize for the delay in the response, as we're experiencing a high volume of contacts at the moment. We definitely understand the importance of having access to this feature for you and the importance of having access to your funds at your own convenience. Please take it as a consideration that this is not intending to place a value on your experience, rather it emphasizes our commitment to you as our valued member. Chime has identified activity on your account that is not in compliance with its internal policies and the member agreement executed at enrollment. If there is any account balance due to you, a check will be mailed to the address on file within 30 days. Weve identified activity on your account that does not comply with the terms of Chime 's Deposit Account Agreement. Your account has already been closed on XX/XX/XXXX. If you would like to appeal this decision, please contact us at XXXX. We're bound to be abide by certain norms, regulated by Chime Member Security Policy Guidelines to prevent any of Member 's Account from Fraudulent or Suspicious Activity. It also includes making Chime more Safe and Secure for our Members, their Funds and their Account Details to be averted from any kind of unknown/unauthorized activity. We understand this is not ideal, but please know that your trust and security are our top priority. Lastly, kindly confirm to us whether your concern was addressed and your issue was resolved or not or if you've other issues/concerns, by replying to this email thread so that we can take further action without any delay. We appreciate you bringing this to our attention and we hope you find this information useful. Have a great day and stay safe! Kind Regards, XXXX l Chime Member Services So, I wait and dont email chime anymore because I think I will get a check in the amount of -- -- -- - {$1600.00} well its XX/XX/XXXX and still nothing I emailed them several times with all the information I provided in this complaint, and this is what they respond with. Hi XXXX, Thank you for reaching out. We apologize again for the inconvenience this may have caused. After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. We regret any inconvenience this may have caused. Please let us know if we can assist you further or give us a call at XXXX. XXXX | XXXX XXXX XXXX XXXX XXXX, For security reasons, Chime is unable to share more information about the account closure. We're also unable to review whether your account can be re-enabled or refunded until we receive valid documents verifying the deposits. To help us validate the deposits, please contact the source of the funds to verify them as the source of the deposits and yourself as the intended recipient. In the meantime, I invite you to review the Chime Deposit Account Agreement. If you have further questions, please respond to this message or give us a call at XXXX. Thanks, XXXX | XXXX XXXX XXXX Chime keeps giving me the run around and never explains how my account violated their deposit agreement. I did not do anything fraudulently or shady to have my account closed and funds taken. I just want my {$1600.00}. I feel like I was stolen from. Thank you. XXXX XXXX
05/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • MI
  • 486XX
Web Servicemember
On XX/XX/2023 i had used the bank account i currently have on XXXXXXXX XXXX XXXX chime app were i have banked for the last six years under the username XXXX. On that date of XX/XX/XXXX i used the feature in there app which i have used a few times prior, one of those priors is they same person i tried sent money to in this transaction but with the fraudulent account set up it went to an undisclosed account that failed to make it to the correct account were the person could claim it correctly like before in XXXX XXXX as i will explain. On XX/XX/XXXX I was approached by my grandmother XXXX XXXX XXXX social ending in XXXX that she needed to borrow a few dollars to help cover her overdrafts at her only approved bank account she has ever opened @ XXXX XXXX XXXX XXXX, Mi branch. So after deciding what was needed i decided quickest way was using the pay anyone feature in the chime banking app to send money as the funds would be sent per request of text message from my app at the number i provided in my chime banking app. With my XXXX something year old not tech savvy I grabbed her cell to wait for the message confirming the card we would like the money to go onto to in the amount of {$160.00} to her number ( XXXX ) XXXX but message never came so i could receive the message and input her debit card number from her XXXX bank as we did previously in XXXX of XXXX ' for her. so with never receiving the text message on the provided cell number we inputted saying to claim the money on her cell like i have with a few other people in previous months usually within a minute of hitting send on the app they usually come through, so I gave it a few more mins to see if it was just going slow and still nothing come through to the cell phone provided.so at that time i chose to block the transaction on my app '' s end before being accepted by whoever or whatever knowing something wasn't right and st that time showed wasn't accepted yet, knowing something was wrong at this point and boy was i right. so i decided the next correct thing was to call chime customer support to see what happened at there chime support center and got on the phone with a very lovely lady and she explained what had happened as she said give her a few mins and she would be back in a min, and she did just that coming back saying everything looked right and didn't see a problem till i explained that i never received the text receiving message to input my grandmother debit and she showed it was transferred to the person account on chime and accepted it and told her how is that possible when we never inputted that debit card or received the text to finalize the transfer to the XXXX bank account like previously in XX/XX/XXXX ' and she said no worry 's she would look into this after about XXXX mins or so she come to find out the money was sent to another chime account that was previously opened and after speaking to her, and her confirming with my grandmother with her name date of birth and social number someone had indeed opened an fake account in my grandmothers name using all her credentials and cell number except one thing wasn't correct her email on the account account. So after finding out by her explaining if you send money to a person through pay anyone appeature and there is a known chime account tied to that cell number number it doesn't go to there cell phone for text acceptance and finalization but straight deposited to that account with chime but knowing this account shouldn't of been open in my grandmothers name and not were we wanted the fund transferred knowing it wasn't her account, she opened a complaint stating fraud as the primary reason to reverse the transaction and be investigated how it was opened with the info myself and my grandmother ( XXXX XXXX XXXX gave them including her right email of XXXX that should of been on the account to confirm the email if she did open it as google confirmed there was no such email like was on the fake account or has ever has existed on the service so that threw up another red flag for rep and had it escalated the review as time could be of virtue n this situation knowing of the email XXXX the customer service rep found to be on fraudulent on the account was a fake email which is different from the actual owners email we provided that was correct as everything was different then the transaction we had previously sent money to with same phone number and person. so after everything taken into consideration she noted all that info would be noted and told me 4-7 days the account of my grandmothers would be closed and money returned as it was opened fraudulently and should not be opened as requested to be closed as she could clearly see that the account which was opened illegally was clearly not the persons account i attended it to go to and confirmation from both party it wasn't right.. But that was not the case for us after 4 reopened cases and one with XXXX and speaking to the FDIC oand a complaint to there main overseeingoffice that oversees the bank called XXXX bank they didn't see nothing wrong here. so with my grandmother calling Friday to confirm the account which was illegally opened in her name was closed as of Friday XXXX XXXXshe asked them about my {$160.00} in funds that was supposed to be under investigation to be sent back as that wasn't her account and told that the representative i don't know were the funds went as i never received them back yet and service rep said she could not speak to that transaction as the account was closed previously in the last 45 days and no viewable balance as it was closed so she can see no details. so now with her fake account gone and closed my money no were in sight or re deposited in my grandmother XXXX account or back into my chime account and two months gone by of trying to negotiate the return of my money i have talked to chime over a dozen times and the same thing keeps happening they tell me to open a complaint and say they will send me an email to fill out more papers if needed and never get it and will be sent to the back office to review jut to rinse and repeat and just get to another call were another complaint is filed to go around and around with the call center getting no where and no closer to the money or answer of why it happened that my grandmother never got her money that neither i or herself has ever received like we should have originally. when i use a service and send it to a designated number it shouldn't go to an account they decide on unless distinguished by the customer previously in the transaction as that is not a good way to conduct business as it has cost me 50+ hours of headaches and confusion and disappointment. i am to the point now of almost seeking legal action for all the time and stress this has caused me not including the continued overdrafts this fund was supposed to cover so lost an additional {$90.00} due to this error and having to borrow her an additional {$160.00} to cover the original overdraft fees Please help and can reach me at ( XXXX ) XXXX and would love to explain more if needed as apprently they cant grasp someone openmed an account illegally in my grandmothers name and she didnt recieve the money that there system automatically sent to a fake account that was setup in her name with her credentials but fake email Thanks, XXXX XXXX XXXX XXXX XXXX XXXX
11/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • SC
  • 29715
Web
I became made aware by a bank and a credit bureau that I was victim of fraud and identity theft and instructed to contact places that accounts were opened using my information. I contacted chime bank where I thought I had a bank account which is what I was told upon the account being opened. However the account did not ever seem to work to cover cost for payments. I would always seem to be being scammed after this account was opened by chime since the account was first opened years ago. Once found out I was a victim of fraud and identity theft, I notified chime that I was a victim of fraud and identity theft as I had been notified, chime representatives verified my identification that I had to upload as well as my complaint for concern that I had been being scammed through this account, loosing all my deposits and causing transactions to decline for non sufficient funds, that for years had been going on. I had not received any returns of my deposits or refund of my deposits that were never credit properly on the account. Chime verified the information and said I was correct and that they were closing the account for non compliance. They verified this through emails, I have them because it was the only way I was told I could speak with the escalation team that I was instructed by chime representatives. After contacting that department, they said that they would be sending 2 checks because they were closing the account for not being in compliance after I sent proof of my identity and supporting evidence of the fraud and identity theft that was happening. chime representatives escalation team in a email on XX/XX/2022 said that I would be getting 1 first check for the balance in my account which was XXXX and then shortly after I would receive a closing check with my deposits totaling {$17000.00} which is all my deposits for the life of the account as the email said, which was on the closing statement. However, it is now XXXX and I recently spoke with a Chime member who verified my account information and the checks that were to be sent to me were not as of yet but in several different emails I was told they were mailed and would be arriving in 5-7 days etc. The representative apologized and said that he was putting in a complaint and another request for the return of my deposits due back to me now that the account is closed. I am reporting this to the consumer financial protection bureau because of identity theft and fraud, I have not got the proper payments on account or have not been properly refunded or deposits returned to me from the account closings although I owe no debt or payments. In fact I am actually owed deposits and cash and things being held at this company that I have not received as of yet although I keep being told by this company I would by phone and by email. Most recently by phone with a chime representative who verified the information and put in the ; last report about this same thing I had been getting the run around about, sending emails, long times spent on phone calls yet no resolve. This is one of the experiences I have been having for years from banks or companies acting like banks I among convinced, yet bank companies that claim to be opening up accounts so that I can access my money or funds for payments for everyday use for large, small, retail, entertainment, food. clothing, payment processing, a payment account or whatever it is referred to by businesses, for me to access cash be able to meet demands and costs, funding or account to make payments etc. It seems no matter what bank or payment account I give my accurate information to, that bank changes my information, opening up accounts that would upon careful investigation not be in compliance as I have found out was happening with accounts using my personally identifying information to open accounts that have been causing Fraud to happen to me to cause me to seem like my account is insufficient, or to make me believe the correct checking account is being opened up so that I may access my funds for payments, when all along it was an improper payment account I end up with which actually is like a duplicate account using my likeness but mixing my information using my ssn # and attaching it to the account fraudulently opened causing me identity theft, that ends up with me being scammed out millions each year as well as out of my pocket cash on hand when I had thought the account opened by the banks were being opened to be able to make payments. The accounts I end up with act more like collection debt accounts even though I owe no debts, not bankrupt etc, yet after giving my accurate information to be able to open a bank account to access my money, My information ends up being reported inaccurate as accurate. the bank account declines is insufficient after my transaction declines I am denied, I end up being scammed for my deposits and payments, among other things that I experienced with checking and or savings accounts that are opened for the purpose of covering cost for payments of all types and account that would normally cover cost, demands, transactions for everyday purposes which is one of my benefits, Instead I end up loosing all my deposits after the accounts are eventually closed from what I have now found out is from negative and inaccurate information which are from accounts that are a direct result of the identity theft and fraud I and my children have been experiencing because of it, we are being left without anything not even away to pay for food as I should be able too to do no matter what the coat would be cleared sufficient because I have been verified and told this should not be happening. The account was closed and I have yet to receive my closure check for all my deposits. I have reached out to chime since I first ever learned about what was happening. Even after they confirmed and verified and said they took action by closing the account opened because it was not set up properly for me and was not in compliance, chime representatives said I would receive the closure check after the balance checkoff XXXX cents was sent shortly after I would receive the deposits of {$17000.00} I have yet to receive because it was apparently redirected somewhere else. I was told to call XXXX bank who told me to contact chime. even after chime said I would be getting the closure check. This is going on unfairly and I have yet to get any resolution or compensation or protection or enforcement to making it all right for me and my children who are being dome wrong and unfairly because of the false information being submitted by the same companies where I know I been a victim at who hold many money deposits due to me yet they seem to continue to get away with scamming me and leaving me with nothing and no way to make payments or receive money for day to day transactions because no body is doing anything about this. or enforcing change. whenever I try to my accurate information gets changed back inaccurate and I am back to going through the same thing never getting the justice or true real feeling of resolution or a way to recover from going through this. Now I can not even pay for food to eat. this has to be fixed immediately.
02/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • TN
  • 372XX
Web
This morning At XXXX on Friday XXXX XXXX XXXX Chime Bank emailed my account with your account is on hold/suspended. Account On Hold Hi XXXX, Chime has identified unusual activity relating to your bank account ( s ). A hold has been placed on your account ( s ) until we can verify this activity. Please see below for further details and instructions on how to submit an appeal to this hold. What Happened During routine monitoring of accounts on Chimes platform, we identified some unusual activity regarding the amount and/or origin of certain funds which have been deposited to your Chime account. What We Did A hold has been placed on your account. How This Affects You This hold will remain in place until the origin of the funds deposited can be verified. Unfortunately, you will be unable to use your Chime Visa Debit card or sign in to your account on the Chime website or mobile app during this time. What Is Needed From You To submit an appeal to lift the hold on your account, please provide the following items for verification : Identity verification documents Your primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a copy of both the front and the back of your ID. Proof of Address ( such as a utility bill ) Written explanation Explanation for the origin and intended purpose of any cash funds recently deposited to your Chime Spending Account Explanation for the origin and intended purpose of any funds recently deposited to your Chime Spending Account via third-party cash transfer apps ( such as XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc. ) Explanation for any other unusual deposits to your Chime Spending Account that you may have received As much documentation as is available and applicable to support your explanation As much documentation as is available and applicable to support your explanation Some items which may verify the origin of funds loaded to your account : Receipts, invoices, paystubs, work orders, bank/earning statements, etc. Some items which may verify the path of funds from their origin to your Chime account : Bank transfer statements, withdrawal statements, receipts for cashed checks, etc. As much documentation as is available and applicable to support your explanation Some items which may verify the origin of funds loaded to your account : Receipts, invoices, paystubs, work orders, bank/earning statements, etc. Some items which may verify the path of funds from their origin to your Chime account : Bank transfer statements, withdrawal statements, receipts for cashed checks, etc. Expected Timeline for Appeal Review of your appeal will typically be completed within two business days of receiving all verification items. An update will be provided on your account status once this review is complete. Please note : Additional items may be requested after initial review if your appeal does not sufficiently explain the unusual activity in question. The timeline is typically extended by one to two business days for each additional submission. How to Contact Us Please reply directly to this message and attach the requested items. All documents must be sent in XXXX, XXXX, or XXXX format ( we do not accept XXXX or other document formats ). If you need clarification on the requested items above, or assistance in submitting your documents in the correct format, please let us know and we will be happy to assist you. Sincerely, The Chime Team I made three calls to Chime with the third call agent telling me it would be resolved by end of day. I then get email responses. Here is email conversation with Chime Bank. Hello I am unsure why there is an issue with my account. I am unsure what deposit could have caused this I believe my last deposit was from my Michigan Unemployment. I have been getting since pandemic started for months beginning in XX/XX/XXXX. So I do have two addresses but legally from Michigan the Tennessee is temporary until end of XXXX. Myself to Chime : Enclosed is my identification driver license from Michigan. I recently few months ago switched my address to my Tennessee address where I have been taking care of a family member who is ill since Im unemployed. Also enclosed is my unemployment info from the state of Michigan where I received deposit. Mail and other documents that could possibly help you. Can you let me know how long this will take please. I waited two months for my unemployment and receive it and I now cant access it. I sent Birth certificate, drivers license, mail photos identifies me. Copies of my unemployment from my last deposit. Chimes response is : Hi XXXX, Thanks for reaching out to Chime Member Services and providing us with that information. We received the following documents : your primary ID. However, we still need a few more items from you to verify your account. In order to move forward, please submit the following : A secondary form of ID ( such as US Passport or not laminated signed Social Security card, ) OR Proof of Address ( such as a utility bill ) must be dated within 60 days fully unfolded and outside of the envelope showing all four corners. Please provide documents or explanation necessary to validate funds loaded to account such as w2, paystub from place of employment, or State of Unemployment Benefits. Please reply directly to this message and attach requested items. All documents must be sent in XXXX, XXXX, or XXXX format ( we do not accept XXXX or other document formats. ) If you need clarification on the requested items above or assistance in submitting your documents in the correct format, please let me know and I will be happy to assist you. Best, XXXXChime Support This is when I responded with more mail identification, my birth certificate, and SSN card photos. All documented in my emails. Chime on the phone tell me it will be handled this evening. After call I then receive two emails. Chime Hello XXXX, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. Thanks, Chime Team XXXX Chime. All XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX Number two was after I tell them by email I was told it would be handled by end of day. Hello XXXX, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. Thanks, Chime Team Hi XXXX, How would you rate your recent experience with our automated phone system? Good, Im satisfied Bad, Im unsatisfied Thank you, The Chime Team I do not know what to do they will not tell me what the problem is with my deposit from my PUA unemployment. I have been receiving deposits since XX/XX/XXXX no problems. Now I can not access my funds, this is after I waited weeks for PUA to reopen. I need help.
11/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • CA
  • 95991
Web
On XX/XX/2022, I filed a dispute with Chime due XXXX unauthorized transactions i saw on my acount for a total of XXXX. Getting XXXX customer service rep to file my dispute was fairly easy, but after that everything changed. First off I would like to state that I am very familiar with the rules and guidelines set forth by XXXX XXXX After first opening my dispute Chime denied and closed it in XXXX hours total after I initiated it. XXXX XXXX makes clear that they must perform a " reasonable investigation '' which obviously did not happen in XXXX hours, so here is there first action of being in noncompliance with XXXX XXXX XXXXXXXX and tell them there just is no way that they could have determined my claimbfalsebin XXXX, so they offered to reinvestigate it and of course the dates for when they had to be complete were also pushed back. So I am just waiting to see what happens and with in a few days I recieve an email stating that they reinvestigated my claim and stand by there decision. None of this made sense to me because I knew my claim is valid and thatbthere couldn't be anyway they were finding any kind of evidence to claim it wasnt so again I am forces to ask them to reinvestigate but this time also ask them to provide me the documents they used to deny my claim. This is where things get flat out crazy. First I recieved thebdocument pretty quickly and when I opened it I laughed. I ambawarebofbmost rules and guidelines in XXXX XXXX and what they can consider and can't. But first off the document they claimed was used to deny my claim was a joke. It consisted of half a page with 5 bullet points on it. Right away 3 of the bullet points were just a waste of time and blatantly outside of what theybwere suppose to use to deny a claim. They can not deny a claim based on something like me having purchased things from the vendors I was disputing in the past, which was one of their bullet points. Also they said that my account was not access by a foreign device or had any hallmarks of beingbhacked, but XXXX XXXX makes it clear that having your access device stolen andbused by a theif is deffinitlyncovered in XXXX XXXX, which is what I told them happened to start with. And the other bullet points were not even any kind of evidence at all. Theybwere nothing but things chime was making assumptions about, but not really evidence in any kind of way. To say the least it was clear thag chime most certainly did not meet any kind of burden of proof to deny my claim, and theybwerebjust so obviously not complying with XXXX XXXX that it was hard to take it serious. But then I took a closer look at the document and saw something completely mind blowing. Chime had straight up lied on this document. They had put on the document that they had asked me questions and put my answers on it. One question was " was any property stolen from the consumer during this time '' they had put i answered " no '', which was not true. Also they asked " was the consumer in possesion ofbthe card at the time ofbthe transactions? And they said I answered " yes '', again not true. Well knowing that chime records the phone calls I call them up and ask them why they were lying on the document they used to deny my claim. The customer service rep listened to the phone calls and heard for himself that those were indeed inaccurate answers and not the answers I gave. He tried to down play it and not say anything that would make chime liable but it was obvious he knew this was not good. So now I am totally under the impression, and still under the impression, that chime is not being truthful on these documents and using false answers in order to deny claims. The fact of the matter is that given the information I gave chime regarding my claim, there isn't a document thag could even possibly exist that could prove my claim false. Unless chime was somehow video tapping me without my knowledge and has me on tape making the transactions, there isn't any document that they coukd posses that could be used to invalidate my claim and I am well aware of that. It wad beyond fishy to me and ibexplained to the rep that this is a blatant attempt by chime to deny mybclaim with false statements. Somewhat does he offer to do? Wellbreopen my dispute of course, and push the dates further away again and tells me i have to wait again until the reinvestigate. This is ridiculous. They are abusing the system and lying on documents in hopes that most people will be uninformed and just walk away at the first denial. There is not one single good reason for them to have deied my claim and they did not prove in anyway whatsoever that my claim wasn't true. It totallynfell under XXXX XXXX and was covered by it and the used assumption based evidence to deny it 3 times, way out of compliance with XXXX XXXX They met no burden of proof at all, and instead ofnadmitting they are wrong and paying out my claim they tell me to let them reinvestigate it and to wait again even though I had pointed out glaring inconsistancies with there investigation and evidence used and made them well aware of how out of compliance with XXXX XXXX they were at this point. Well as of today they have still not payed out my claim even though they have no reason at all not to. Chine has caused me a severe financial hardship with this, and have forced me to waste so much time and energy dealing with their inept customer service department for hours on end that I almost feel like ibshould be compensated for that and the complete and total disregard for the rules and refusing to pay out my claim when there is no way nothing they can do at all, to prove it isn't valid. They are using shady tactics and false statements to deny claims and operating completely outside of the scope of XXXX XXXX They just keep denying it and then reopening it restarting the clock every time they do. They are refusing to pay me at this point and the are not operating within the guidelines set forth to govern this type of thing. Theybare gaming the system and hoping that nobody notices. I feel like chime is crossing into the territory of illegal conduct at this point and that they are withholdingbmy money from me unjustly and I can not get anyone there to see reason and take responsibility for the fact that they are denying me unrightfulky and tried tonsee false info to deny my claim, and even now after all that they still have not paid mebpit. If places like chime can just basically flaunt the rules and regs, what's the point of even having them? I feel like I have been victimized by chime and their bussines practices and that there isn't any body governing them or checking to see if they are in compliance which they certainly are not. They are just outright refusing to pay me at this point and the fact that they thought they could use false statements on documents they claim were used to deny my claim shows that it was not an accident and has probably been done more times then not. Chime needs to be held acountable.
04/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 75149
Web
Hello, On XX/XX/2022, my Chime Bank account was compromised. I had gotten off work at XXXX and gone to the gym. I was supposed to meet with friends for dinner that night and was on the phone with her to confirm plans when I logged in to my Chime Bank account to check my funds and I saw that there was a decline notice on my account for a XXXX XXXX ATM withdrawal in the amount of {$400.00}. I told my friend that I was going to have to cancel dinner plans and got off the phone with her and I immediately checked the account more thoroughly to see what was going on and called Chime Bank to report not to authorize those transactions as I was not the one trying to withdraw those funds. I was on hold for over 20 minutes and finally spoke with the original Chime Bank representative by the name of XXXX and told her to stop those transactions as I was not authorizing those funds and that was not me at the location trying to access those funds and was told that they were not a bank but an App and were not able to stop those transactions and that I would have to wait until those transactions cleared and file a dispute. During that time there was actually 4 transactions that took place, 2 transactions in the amount of {$400.00} then 1 decline in the amount of {$400.00} and the final transaction in the amount of {$200.00}. I demanded to speak with a Manager and was transferred to one by the name of XXXX and again was told that they could not stop those transactions because they were an app and not an actual bank and that I would have to wait until the transactions cleared to file a dispute. On XX/XX/2022 I filed the dispute and received notification on XX/XX/2022 that they had denied my dispute. I called them the same day, spoke with XXXX and filed a rebuttal. I emailed them a copy of my time sheet to prove that I was not anywhere near the XXXX location where the funds were withdrawn, my DL for photo for verification that I was not the one at the ATM, XXXX XXXX check in, and phone call log to prove that I was on the phone telling them not push those transactions through. Again I was told that if there was to be a possible credit I would need to wait until XX/XX/XXXX but would be notified by email as to a decision. On XX/XX/XXXX I was sent documentation stating why the original denial was made. The letter stated the denial was due to 1 ) the merchant not being abnormal ( I purchase my medicines at XXXX but only at the location by my home ), 2 ) the location being 15 miles from my home so is it was deemed a possible match ( had never been to this location before and again I only use the location by home for purchase of my medicines, have never done a withdrawal from a XXXX location ), 3 ) the dollar amount of the transaction was not unusual ( again XXXX has only been used for purchase of my medicines never a withdrawal, so yes the dollar amount, transaction location and transaction would be considered unusual for this merchant, 4 ) that no pin compromise was indicated in my comments ( I had no clue how anyone could have gotten funds from an ATM as I have the only card with me ), 5 ) there were no pin changes during the disputed time ( again, I had the only card that was issued with me and I had no clue how funds could be withdrawn without a card ), 6 ) the transactions before the disputed time were all XXXX chip which showed that my card was working properly ( again, I had the only card therefore all the transactions were going to show chip authorized before this happened ), and 7 ) no signs of account takeover hallmarks ( again, there were no issues before this time ). I called chime Bank again and spoke with XXXX and was told that yes it looked like the dispute had been declined again. I asked why and was told that he would request information be sent to me. I asked what other documentation could be submitted and if I needed to file a police report and whether I needed to go to that XXXX pharmacy to obtain video proof that I was not the person at the location. He stated that I would need to submit additional information. I did a XXXX search and got the phone number for that XXXX pharmacy location, I asked to speak with a Manager, she told me that she was a Manager, I asked her name and she stated XXXX. I told her that my bank account had been compromised and that {$1000.00} was taken from my account by someone using this location and needed to see if they had video. She told me that I would need to go to the actual store and speak with Manager, XXXX. I asked if she was there at this time and she stated yes, she was. I drove to the XXXX pharmacy on XXXX XXXX XXXX XXXX, XXXX, TX and asked to speak with XXXX. They directed me to her and I knocked on the door. She opened the door, I asked if she was XXXX and she stated yes. I let her know what was going and asked if they kept video. She stated that yes they did but that I would need to file a police report as they would only release the video footage to them. In talking to XXXX she mentioned that her manager had mentioned to her that she had heard there was a lot of fraud going on with Chime Bank and that is who she banked with. I informed XXXX that whenI called in the dispute I was told that they are not an actual bank but an app and she had a shocked look on her face. I called XXXX XXXX and was told that I would need to file a report in XXXX, Tx as that is where I live but if I needed to file then I could visit the substation on XXXX XXXX XXXX and she transferred my call to XXXX XXXX. I was on the phone with XXXX XXXX and was told that I was informed incorrectly. I went to the Police Department substation as instructed by XXXX XXXX and filed a police report with them for theft. I asked them if they could obtain a copy of the video and the officer stated that he couldnt guarantee it as 9 days had passed but that since I knew the exact location where the funds were taken it was a possibility but that it may take some time and an investigator would be assigned. I called Chime Bank back and spoke with XXXX and asked him to see if there had been any additional cards that had been mailed out. He looked and sated that there was 3 actual cards but to let him explain. He then stated that 1 ) was the original card ( which was compromised ), 2 ) the temporary virtual card and 3 ) actual replacement card ( I have received and not activated ). I asked him that if I had the only original card sent how could someone withdraw funds from an ATM without a card and he stated that they do have some ATMs that you dont have to have an actual card to withdraw funds from. I informed him that I wanted documentation from the investigation as to how those funds were taken without a card. He stated that he would request information to be sent. I can email the information that was sent to Chime Bank to the appropriate person but prefer that information not be published as one of the documents was my drivers license and the other my place of employment information.
07/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 94568
Web
On XXXX the XXXX I was out running errands when I started receiving text message alerts for transactions I had not made, as I am reading these in disbelief. I think no worries I will just call my financial institution or Chime and they will help stop these transactions. So as soon as I was able I called my bank and let them know that the following transactions were not made by me - Instacart on Monday XX/XX/XXXX at XXXX am for {$270.00} - Instacart on Monday XX/XX/XXXX at XXXX am for {$120.00} - XXXX on Monday XX/XX/XXXX at XXXX am for {$32.00} - XXXX By XXXX XX/XX/XXXX at XXXX am for {$110.00} - XXXX By XXXX XX/XX/XXXX at XXXX am for {$70.00} - XXXX By XXXX XX/XX/XXXX at XXXX am for {$90.00} Totaling {$690.00}! All transactions were fraudulent and not made by me. So I call Chime and tell them these XXXX transactions were not made by me. The lady I spoke with at Chime told me that the charges were pending and that they couldnt do anything or investigate the matter, until the charges settled. I was really surprised that they would even let them go through. But I said ok I will call back when they settle. In the meantime I contacted XXXX XXXX and told them what had occurred and they asked me to fill out a secure form which explained in depth each charge and from what card these cards were charged from etc., so they could investigate. So I filled out the form and within XXXX hours I got a response that stated that XXXX was sorry that my card had been used without my permission. That they reviewed my request and found that the charges in question was for an order on an account that they deemed fraudulent. That the account was deactivated and my card info had been removed. And they recommended I contact my bank because my card has been compromised. So first I cancelled the compromised card and the other card I had with my Chime account just in case. Ordered new cards and I waited until the charges settled. In the meantime I was also temporarily locked out of my Chime account. I dont know if this is relevant information. But I finally was able to reset my password and get back into my account. By then the charges had settled so I called to dispute the 6 transactions made on XXXX the XXXX. For the first dispute I sent over the letter I received from the vendor and thought that would be enough. They denied my dispute and said they thought there was no mistake that no error occurred and they would not give me my money back. I couldnt believe it. I then called them and emailed them several times. I was angry and could not believe they were doing this to me. I stated how wrong this was. Because it seemed they didnt even go over the evidence I sent to make their decision and I explained that regardless of whether my cards were in my possession or not. That it didnt mean that somehow, someone obtained my card information. I dont know how, but they did. Meanwhile, I had also contacted my XXXX XXXX regarding these fraudulent charges and started a case with them. I had received an alert from them also when the charges started coming through for the groceries from XXXX so I took a screenshot of the letter from the merchant and a screenshot of the alert from chime and submitted my first rebuttal, within XXXX hours they denied my first rebuttal on XXXX the XXXX. The decision made had nothing to do with the evidence I had submitted. They said if they had determined that because I had my card on me, that I knew my pin and that since my card wasnt taken. Also because I had made other transactions that were close to the same dollar amounts of that of the fraudulent ones, that there was no error made. And denied my first rebuttal for all XXXX disputed charges. So I contacted XXXX again and this time it was escalated to the Restorations department. I was sent over a bunch of things to do. I had to file a police report. Which was filed through XXXX XXXX XXXX badge # XXXX of the XXXX Police Department. I had to fill out a 6 page affidavit packet. Submit proof of ID, a copy my SSC and proof of residence. Along with all correspondence I made with Chime and have XXXX thing notarized. It was a lot and was very stressful. But XXXX from XXXX helped me get through it. And once everything was complete, I sent the notarized documents to them on XXXX the XXXX and thought my troubles were over and XXXX XXXX would do the rest. Nope! XXXX contacted me a few weeks later and said he had tried to fax all this information over to Chime to help me get my money back. And he had also sent it certified mail. When he got no response he let me know what was going on. And XXXX XXXX who had a notarized power of attorney form ) him and I both contacted Chime to get an update. And they said they didnt get mail and they didnt have a fax. Even though a different representative had told us differently before. So then after spending some time on the phone hoping they would make some notes on my account and trying to get this resolved, they told us that we would have to email this packet over. So XXXX from XXXX mailed me the packet and I took XXXX photos of XXXX documents and sent them all over via email at XXXX as requested by the XXXX in the disputes department at Chime. So when sending all these documents, I requested a second rebuttal based on all the evidence on the XXXX. Within XXXX hours they said they had not changed their decision and they said they based their decision on other things again that didnt seem to have anything to do with the evidence I had submitted. That it was based on the following Phone was neither reported as lost/stolen. Based on XXXX XXXX, it shows that there has been no intrusion of any suspicious foreign device before, during the timeline of the disputed transaction suggesting that member is in full control of the transaction. Disputed transactions have entry mode XXXX, stored credentials on file. This is an evidence wherein member has given the disputed merchant their personal financial information in the past and has authorized transactions off the disputed account. No hallmarks of account takeover nor PIl changes occurred during the disputed timeline. XXXX was almost exhausted after the last disputed transaction. No fraud alert was captured in the system. So here I am not knowing where else to turn next. I was referred to this website from XXXX from the resolution department of XXXX XXXX. Please help me to get my money back. Yes I had my card and my phone was not stolen. But these transactions were made online by another party and they were NOT MADE BY ME!!! I have no knowledge of how this person ( s ) attained my debit card information but if the police can find out I want to prosecute to the fullest extent of the law. I have done pretty much all I can think of. I am also going to file a dispute on the website of the XXXX XXXX XXXX XXXX XXXX XXXX and hopefully that will help also. Hope you can assist me! This has been a nightmare! Please help me.
10/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MO
  • 65807
Web
I was doing online banking on top of the couple local XXXXXXXX XXXX for a couple of years, but primarily all of my income had been going into chime because they deposited my check 2 days earlier. On XXXX XXXX XXXX XXXX XXXX XXXX I received a text message from chime to my - number that my phone number on my chime account had been updated to XXXX XXXX XXXX XXXXXXXX to contact chime member services if this was not me at ( XXXX XXXX XXXX I immediately logged into the account and noticed that yes my number was wrong and contacted Chime. The only other number I access my Chime bank account from which is. They advised me that everything is fine, and my money is safe and we rescued my account. After talking with 4 different Reps on the phone i got frustrated and hung up. From that point i started the search for a alternative bank and found XXXX XXXX to be an option, as I'm already a discover credit card holder i opened an account with transferring the immediate maximum it would allow of {$500.00} to discover and was anticipating a new card to arrive on XX/XX/XXXX via USPS. On XXXX XXXX XXXX XXXX XXXX XXXX I received another text message from chime to my number that my phone number on my chime account had been updated to ( XXXX ) XXXX to contact chime member services if this was not me at ( XXXX ) XXXX. I had not noticed this message immediately however because i was getting ready for work. i attempted to logged in around XXXX XXXX and noticed it wouldn't work so i reset my access by a text code at XXXX XXXX and received a short code to gain access. Once into the account i noticed that money was taken from my account, so i hit the chat option and hit call me after i corrected my number again, and at XXXX XXXX the conversation started with them and lasted 59 min 7sec long. During that call i was so Distraught and was extremely in panic, watching powerlessly as Chime stated they are working to regain the security of my account and was repeatedly assured everything would be ok. Finding out i was a victim of someone using my Virtual Debit card info that can be accessed only while in my chime app. Transactions from that day are as followed : Debit card ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i processed out of panic a transfer from my checking to my Chime savings a transfer of all my money from checking left which was {$580.00} XXXX XXXX XXXX Someone transferred back + {$940.00} from my savings which was all the money i had in the savings at the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After 8 unauthorized transactions and 1 Transfer from my savings account to my checking account it left me with missing {$2000.00} in transactions Chime stated that while the transactions are pending they couldn't do anything about them and that when the transactions fall off and if they didn't hard post that i could dispute them. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At that point now my loss is only at {$1400.00} On XX/XX/XXXX I filled a dispute with CHIME for the transactions because they all were no longer pending Dispute XXXX XXXX XXXX XXXX XXXX spoke with Chime for 12 min 26 sec & 21:05 for another 42 mins 19 seconds On XXXX They Denied all the disputes except for the two that were approved because they were already reversed. XXXX XXXX XXXX I received an email from Chime support to my XXXX It in summary states that they have made a final determination regarding the claim referenced. their systems in addition to information provided during the claim filing process, that they concluded no error occurred. therefore, no funds will be credited to my account and this claim is considered closed @ XXXX XXXX I spoke with Chime for 1 hr. 19 mins 24 sec immediately asking for the dispute department and to speak to a supervisor whom was unable to see a reason as to why the dispute was closed out. The outcome of that conversation was that they re launched the closed dispute and i also uploaded 30+ images to them from all the emails, text, transactions info to them included in that i supplied them with both my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX screenshots to aid them in their research to find out who, what, when, where and why my money came up taken. @ XXXX XXXX the supervisor sent me a link to upload anything in reference to the theft of the money, which is when i submitted the above mentioned screenshots. @ XXXX XXXX I received a confirmation email in regarding the above mentioned claim number # XXXX ( modified Claim number ) is in progress and we are working to resolve my case as quickly as possible stating that they shall make a decision by XX/XX/XXXX or before that they would notify me by email as soon as the investigation is completed. I was eligible for a temporary credit that i would receive it by XXXX XXXX XXXX XXXX i received a email from Chime. It in summary states that they have made a final determination regarding the claim referenced. After review of their systems in addition to information provided during the claim filing process, that they concluded no error occurred. therefore, no funds will be credited to my account and this claim is considered closed. As of XX/XX/XXXX I spoke with them and asked them to reopen case yet again, this time uploaded the FBI complaint! Case XXXX As of yesterday XX/XX/XXXX I received another email declining my claim, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 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. You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time. Thanks, Chime Disputes Team
06/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27265
Web Servicemember
It all started with a hotel stay I had back in XXXX. I stayed at a XXXX XXXX in XXXX XXXX NC for a total of 7 days from the XXXX thru the XXXX. On the day of the XXXX I planned to renew another night because thst is how I'd been paying it was daily. I had to cash a check that day and needed to go 2 towns over to pick it up first. I set an alarm to do it early but my phone died in the night so I woke right at XXXX whrn maid service knocked on my door. I immediately got up and charged my phone a few minutes so I could call up to the office. I explained all this to the office and I asked her do I need to just check out and take my spouse, dog and belongings with me or would they be ok waiting for me to go 2 towns over get my check then cash it and get back there. The front desk girl said oh we will wait for you it's not a problem you go ahead and handle your business. I thanked her and set out on my trip. While I was gone they had a shift change and the new front desk person didn't agree with the agreement already made so they called the police to go kick my spouse out while I was gone. When I got back he was on the curb with our dog and a pile of belongings. He said they hardly gave him any time to retrieve our things then wouldn't let him back in to double check or sweep the room for any more of our things. I had cash on me at that point but I didn't want to stay there again after that. So I went else where. I knew right away alot of my stuff was missing. My expensive perfumes and make up it was all gone. I had full bottles of XXXX XXXX XXXX XXXX stuff and a receipt from less than 2 weeks prior to show I spent XXXX on just that portion of what I was missing. There is no way anyone would throw away entirely full bottles of XXXX. Then my foundation was a commercial bottle that cost XXXX itself. Then I had 3 bottles of XXXX XXXX perfume all bought in a short period prior to this stay. I can prove I was forced to rebuy all these things I already owned. Even my make up brushes I bought an identical set to what I already had why would anyone do that? Well I immediately started calling the hotel about this theft. I called every day for 2 weeks and the hotel kwpt assuring me that they wouldn't throw my stuff oit they have a policy and they hold stuff like this for so long for you to claim it. So they said the maid isn't here but rest assured your things are safe here. But as time kept passing and they were full of excuses like you just missed her and she is the only person with a key to the locker I started getting suspicious. Finally about 3 weeks in I called and this time the lady asked me to hold. She then came back to the line and said she spoke to the maid and they have none of my stuff. She said the maid told her all I left was shampoo, conditioner, a toy and a pair of panties. Well as I immediately pointed out she is lying and you can tell it's a lie because this is what she does all day day in and day out is clean rooms. So if all that got left behind was such none significant items as she named then she wouldn't recall what was left in this room some 3 weeks later. The fact she can name those items means she had a reason to remember it and her reason is she stole all my expensive stuff. I said no knew throws away entirely full perfumes. The woman responded well its not theft if she did take it because you left it behind. I said no ma'am correct I didn't leave it behind your employee and I had an agreement that you broke and you put my stuff out while I was gone so no I didn't leave anything behind and this is theft. She said well what do you want me to do? I said have your manager call me. I never heard from this manager and I mean to this very day. I called and called too. Finally I went to their corporate office and filed a complaint. They called the hotel themselves and they didn't call them back either. They offered me points towards free hotel stays and i declined i said i just want back my things nothing else. Then they offered mw XXXX in cash on the spot and i declined again. Then I was told to give them a couple days if he hadn't called them back either they'd refund my week stay I paid. I called them back 2 days later and they said he hadn't answered them so I said ok then refund my stay. This time they were singing a different tune and said they can't do that. She asked me to hold while she tried the hotel once more and apparently she got an answer this time. She told the manager the situation and that he needed to call me. Then she tokd me I had to wait on his call. I gave it a few weeks he hadn't called and I called them back to tell them. At that time they told me they already closed out my case and can't reopen it so they cant help me. So I went to my bank which is Chime and I disputed the charges for my stay. I explained all of this and I gave them a police report to accompany my complaint and they gave me a credit for the hotel stay cost. Then some how to my shock they managed to find the case against me. When I asked them to show me what they used to make such a decision they sent me the hotels reservation confirmation information page and that was it. Ummm ok I never said I didn't stay there I said I did stay there and they stole from me so what does the reservation confirmation prove again??? So I asked for a rebuttal and I said exactly this. They were supposr to be reviewing it again. In the meantime I went and deposited XXXX in my account. Then I spent the next 3 days trying to transfer it back out. I tried a total of 6 times with 3 different companies. I tried XXXX, XXXX and XXXX and they refused the transfer with all 3 of them. My rent was due Monday and this wad over the weekend so I thought ok ill just have to split the charge to my rent and have them get that portion from chime I guess. Well come Monday when I went to charge my rent it declined and said my balance was insufficient. I logged into my chime to find they took my money and had my account sitting XXXX dollars. So they froze my funds because they wanted the opportunity to take my money and they knew internally they were suppose to decide on my case and they planned to decide against me already apparently. You can't freeze my funds for money that isn't owed back yet snd that is if you decide the case against me but they had no reason to decide against me that hotel broke the law theft is illegal. I said all of this to chime and they haven't had anything to say period yet they also aren't trying to give me back my money either. If I didn't know better I'd think this was XXXX XXXX XXXX certainly not mine. They don't have my best interest in mind that is for sure!
09/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • SC
  • 296XX
Web
On XX/XX/XXXX I had an issue with trying to use my card then I found out chime has suspended my card and cut it off due to a dispute. It took me trying to use my card to find out my card was declined and a new car was already ordered without my approval without my request. When I realize this I immediately contacted and they told me over the phone at the card was coming and should be there on the XXXX but it arrived on the XXXX I get a SSI check monthly and have been a customer of chime since 2017. Chime does not update their information so the phone number I had on file and the email address I had on file because of them to not being updated I was denied access to their online app so I can use the virtual card. At no time with my account suspended I made two phone calls Friday and Friday morning at XXXX XXXX. they actually by supervisor updated my phone number to where I have online access to the app. The supervisor updated my phone number I noticed {$40.00} taken out of my account to pay chime back I got up got me a drink sat back down my account was automatically suspended I could not access online no more. No I did nothing wrong to get my account suspended and evidence clearly points to my suspension only being suspended dude to the update of my phone number something they failed to do for 2 years and they still refuse today and I asked him everyday. So when I called and made a complaint they told me that the reason they suspended my account was something I did back in the referral Day in 2017 which is a lie it evidence points to the only time I count got suspended was after the supervisor updated my phone number they can not suspend my account from 2017 in my contract still be good but yet they accepted my direct deposit so they accepting me as a customer and lied about why they suspended my account since then I have called every day spoke to at least a hundred employees there since last Friday the XXXX just to be lied to every step of the way and there's been no customer service to help me out at all I thought I was under some type of protection because I'm XXXX XXXX XXXX and I'm on SSI and no one will help me I have a XXXX and they are picking on me and they deprived me my rights they had denied me my funds as of today and I still got {$40.00} out of my account and can't even report it that the dollars even if I owe them there's no documentation of them taking that {$40.00} out and there's no authorization for them to do it either but they did it I thought that they could not garnish anything out my check with XXXX but I don't mind paying them but they've been doing this since 2017. I don't know the law but I believe it if they suspend my account for something that happened at referral time in 2017 then that should mean the contract me and chime together should be canceled considered no and void but but I still refuse to give me any help refuse to give me any they have broken their own policy because they promised me good customer service and that they have my back and I got everything on fire by all the phone calls made a time and all the email addresses and now today on XX/XX/XXXX they have actually changed up what they want to do now they want more information something that they had not requested yet they want a photocopy of social security card to uplift the suspension all this time they've only wanted the last four digits and I got that on emails and on screenshots where the only thing they wanted was last four digits now all of a sudden they want to change I've done everything they asked me to do and I'm not being rude I just got a tremendous paper trail of where I got no help from employees or supervisors other than the one who updated my phone number I told him all right and where they are in violation and they don't honor none of it I'm supposed to be protected by the federal government and they think they are above that I need help to resolve this issue I can show you where they're wrong but let them show you that during my phone calls they built this case against them and I got proof that everything they say points to them not living up to their end of the deal like they say on they web page and I do know that they don't have the right to break the law to obtain the law what they did they are forcing me to take what they call selfies put my personal information on that all my personal information and send it to a place that I can't have access to contact they stop my due process they violated my rights to feel safe and secure and they go against their own policies just to violate my rights and spend my account I've done nothing wrong I never put another dime in my account that that was outside of of direct deposit from my SSI check I was under no investigation and they did not bring anything to my attention saying I violated anything at referral time what they did was accept my direct deposit so I thought they were sent to me as a customer they took the {$40.00} out of my account this month and did not let me have any access to not answer the internet access to my account or any kind of funds I was able to access my rights are being violated through the match cruel and unusual punishment Mass punishment differential treatment discrimination and many many more that I can prove if someone will talk to me they violated contract when they refused me to proper customer service and it's all on recording they violated contract when they turn their back on me when they clearly stays on their web page I got your back they violated the same contract we sign together just to violate me for some reason they got {$40.00} out of my account so that's evidence of theft and they won't even let me report a theft they're not supposed to garnish anything or freeze my account but they done both please help me I got a paper trail days all the way back to last Friday the XXXX of XXXX I'm sorry XXXX XX/XX/XXXX it started and I allowed XXXX XXXX to make the phone calls on my behalf because I have a XXXX he's made three or four to five to 10 phone calls a day everyday for us to have a paper trail to get to someone I got emails that has not stopped and I've been lied to even on the emails and I need help they continue to lie to me at the promise me a couple of hours of resolution I've been waiting over a week 10 days have been wasted do right process stop crueling unusual punishment cuz I committed no crime and I'm being punished to them extreme for that please help thank you XXXX. You can contact me anytime at XXXX XXXX XXXX and phone number XXXX
05/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 85044
Web Servicemember
Chime, The last time I had to deal with something similar you guys stepped up and fixed the problem. I hope you repeat yourselves with this because if not Im filing a civil complaint against the second I get word. The last complaint I filed was about dispute that was clear as day textbook Reg E, yet the call center staff still wanted to behave as if by me asking for my money I am then in turn stealing from them. When I explain or even read the law, it falls on def ears. Last time I spent at least a hundred hours dealing with that nonsense. I hope you understand that this is not amusing to me. I dont have some chip on my shoulder and Im not some whiner. I am an XXXX that is tired of companies doing whatever the freak they want to do. Im almost to the point where Im going to switch what my company does and Im going to hire a bunch of seasoned attorneys like 100 of them, and we are just going to start helping everyone and their moms opt out of these companies arbitration agreements, Im going to create a universal customer contract since in realty they are the important ones not you. That customer contract that is going to be in the hands of every consumer in the U.S. and it is going to ensure that your company and every other company that deals with the public have respect and proper business ethics that should resemble the fundamentals of the country in which you are ALLOWED to do do business in. If not then with all of the complaints we compile and all of the people we will have at the ready, we start dropping class actions until we start putting big corporations out of business. Im tired of this XXXX. Do you understand? Let me explain this most recent incident. Which resulted in one of you incredibly entitled XXXX disputes managers being such a condescending XXXX that I responded to him in the same way. Guess what he did He closed my account. Man o man. On the XXXX of XXXX I needed to carrier unlock my new XXXX XXXX. I found a company online that advertised they could do it for {$30.00}. I always thought it was free but {$30.00} isn't bad. So I paid it. About 10 minutes later I got an email that said we have the unlock XXXX, just pay {$88.00} and will give it to you. I knew right then that I was not in a good spot. But having a little faith I reluctantly paid the {$88.00}. I get another email that says, this timer will countdown the time of how long it will take to unlock your device. I was not happy., a day and a half later I got an email that says We can't unlock your phone because it's locked to a carrier. I was kinfpd of like ... No XXXX, that is kind of the reason I was giving you money I though. I, mean your name is Phone unlock codes maybe I'm missing something. But probably not. It turns out that the one product they offer is only in their hopes and dreams and not in reality. So when i realized this i reached out to the company and asked for a refund. They told me they would give me store credit to their online store and i could use what i paid already for their other non existent products. Needless to say, that was a hard pass. So I filed a dispute. The person who took the information for my dispute filed it under goods and/or services not what was expected or something like that. I didn't know that because I was pretty clear about the whole deceptive practices and fraud stuff. So how they got that confused is beyond me. So I send in all the hard proof that it's clearly a scam. Which according to regulation E as soon as a financial institution is aware of the error they must credit the consumers account with pin 24 hours of that discovery. Well they made that discover when they read my emails. And if they were not about to read the clear chronological emails that paint a very clear picture to come to that conclusion, then you absolutely have the wrong people doing a pretty important job. So over the last two weeks I've called a few and every single time your staff when to try and sell me the same XXXX false products that this phone unlock codes did except that theirs was based on reality and real potentially real product. The XXXX your crew is selling is just all around made up. They are so certain that their wrong rules are correct they are XXXX about it. They told me, the type of transaction YOU filed this under is not eligible for temp credit My response to them is it 100 % is somsince you are not clear about the law let me read it to you. And I did. Many times. Each time they got more brazen and even more XXXX. And more condicending. They had the XXXX to sit they and say mmmhmm yeah,, mmmhhmm. Yup, ok ok mmmhmm sarcastically and lie basically to my face and treat me like a XXXX and then when say as bad word oh ma! It's like Me saying XXXX just washed away the consumer rights violations and laws that they breaking. Which last night is exactly what happened. It's been past the 10 days that are allowed for an investigation before you guys have to issue a credit to my account REGARDLESS OF CLASSIFICATION OF CHIME EMPLOYEES. And also your staff seem to think that your policies, like the ones they are trying to get me to believe are superseding state and federal law. It's too bad none of them are in XXXX because they might know that, and better yet, they might give a XXXX. Unlike your current array of nonchalant hypocritical law breakers. I made {$540000.00} in 2022 that I can prove and paid taxes onl Dont let my Chime account fool you. My life is different then yours. Or lost people. It's just different. Roller coaster of everything and nothing all wrapped into the same package. I've spent about 10 hours on this one dispute anove and beyond any mandatory necessities. If I was to take $ XXXX $ XXXX week on average. $ XXXX {$260.00} per hour if going off of a 40 hour work week. You guys owe me at the very least {$2600.00} and my disputed transaction amount. That's me being generous. I'm not counting for all the of the legal dilemas your staff has put you guys in. I filly intend to use against if this isn't fixed like now. I want my account re opened. And I want the person that closed it fired. If you don't know who he is let me know I'll send you the recording. My account was closed 3 minutes after the phone call. You can hear me say in the recording after he hung up on me about 3 minute later say they closed my account? Nice that didn't take long. I have all of this recorded. Do what you got ta do. Like I said I'm not putting up with type of thing anymore. I expect to be compensated accordingly for this.
04/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • GA
  • 314XX
Web
I would like to file a complaint in reference to the customer service and professionalism of Chime banking. I had a Chime account opened fraudulently with my name and personal information. I discovered this by receiving a debit card in the mail on XX/XX/2023. I called Chime on XX/XX/2023 and Chime confirmed this was a real and active account. I explained to Chime this account was not opened by me and that someone had stolen my identity opening a fraudulent account. Chime did close down the account on XX/XX/2023 sending me an email confirmation. Chime explained to me in order to obtain more information on this account, I would need to provide a police report. Due to having a similar event of identity theft with another fraudulent account being opened with my name and personal information in XX/XX/2023 with XXXX, I wanted to know when this Chime account was opened for my records. Therefore, I had a police report filed on XX/XX/2023 and obtained it the following week. I sent an email on XX/XX/2023 to Chime to ask if I could email the police report. Chime responded back to give them a call. I was unable to contact Chime right away due to being occupied with work and going out of state. I called Chime on XX/XX/2023 due to receiving an email from them that I needed to call them in reference to forwarding the police report. The representative, AN, assisted and sent an email where I could upload the police report in order to obtain the date this account was opened. I uploaded the police report and she confirmed received. However, on XX/XX/2023, I received another email from Chime to upload the police report and to provide the last XXXX of my social. I responded on this same date explaining the police report was uploaded on XX/XX/2023 and the last XXXX of my social was verified via phone call. Again, on XX/XX/2023, I received the same email from Chime requesting the police report and to provide the last XXXX of my social. I responded again on the same date explaining the police report was confirmed received by the representative, AN. For the third time on XX/XX/2023, Chime sent the same email requesting the police report and to provide the last four of my social. I called Chime on XX/XX/2023 explaining that I've been receiving the same email from them requesting the police report and the last XXXX of my social. The representative apologized and confirmed she sees the police report has been received. I asked to send an email to me at my email address with the open and close dates of this account to have this information in one place for records. The representative stated she forwarded this information to the specialist team. She advised I'd receive an email with this information. I wanted to provide Chime time to review the police report and send the dates the account was opened and closed. However, this email was never received. I called Chime on XX/XX/2023 explaining I was told I'd be receiving an email with the information that I was requesting ( open and close dates ). The representative, XXXX, was unable to provide any information. He stated I would receive an email within 24 hours. I asked to speak with a supervisor and he stated none were available, and that I'd need to speak with the specialist team. XXXX stated, " I ensure you'll receive an email with this information. '' Thus, I wanted to give it time. However, the email I received on XX/XX/2023 was from XXXX advising the account was closed, but nothing regarding the open date. I responded to the email and explained that I had called on XX/XX/2023 and XX/XX/2023, and it was confirmed twice the police report was received. Once I sent this email, I received the exact same Chime email requesting the police report and the last four of my social. After this email, I called Chime again and spoke with the representative AN. I requested immediately to speak with a supervisor, which she was unable to allow. I verified with AN that the police report was received ( which is the third confirmation over the phone that Chime received the police report ). I was not happy and asked why AN can not send an email with the open and closed dates. She explained a specialized team handles this and she is unable to assist. I requested to speak with the specialized team, and AN stated they can only be reached via email and that XXXX was handling. I asked her to XXXX XXXX XXXX but she stated she had no way to communicate within the company. She recommended forwarding the police report via email and put the information I was requesting on the email. At this time, I disconnected the call as I was not making any progress. On XX/XX/2023, I sent two emails with the police report attached ( one email as two XXXX files and one email as a PDF file ). On both emails, I requested the dates the account was opened and closed, and explained Chime confirmed three times the police report was received. I also included the last four of my social, which I was hesistant to provide due to identity theft. On XX/XX/2023, Chime sent their same email requesting the police report. Again, I sent the email with the PDF police report, request for dates the account was opened and closed, and included the last XXXX of my social, and explained this was emailed also on XX/XX/2023 at XXXX PM EST. Again on XX/XX/2023, I received the same email from Chime requesting the police report. Thus, I replied with the same email and explained again this was sent XX/XX/2023 at XXXX EST and XX/XX/2023 at XXXX PM EST. Yet again, Chime sent an email still requesting the police report. At this time, Chime has received the police report once via upload link, once via email as XXXX files, and three times via email as PDF files. I'm getting nowhere with Chime and zero progress has been made to obtain the date this fraudulent account was opened and the date it was closed. All I'm wanting is an email indicating the date the account was opened and the date the account was closed. Since this account has my name and personal information, as a consumer I should be provided these details. This is mainly for my records and to have the details in XXXX place to easily locate if needed in the future. I previously had identity theft with another fraudulent account opened with another bank ( XXXX ) in XX/XX/2023 ( with no issues to obtain information ), and I wanted to determine if this account and the Chime account were opened around the same time. Please assist me in obtaining this information. Thank you for your assistance.
04/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CO
  • 80210
Web
Step 1 : What is this complaint about? Yesterday chime closed my accounts because their system set up to split up large deposits if you have a credit builder account with them, so without my knowledge I recieved multiple deposits within the last 14 days & each deposit was split between my checking account & to my credit builder account without my consent or knowledgeso by default, anyone who has large sums of money sitting in their credit builder account will move it into their checking account & will then move it into their savingsnow after reading I see that chimes policy basically tells you that you have to let thousands sit in your checking account & only transfer 1000 every 24 hours but on the other hand they dont give you the option to have your direct deposits to be entirely deposited into your checking account so whenever I am moving any funds into my savings, they dont flag me for moving it out of my credit builder firstthey literally created a solution to a problem they created for themselves knowing a time such as this would come ( where their customers would have ach deposits and federal deposits XXXX & its literally fraud to hold peoples money while they have proof its meant for them Step 2 : What type of problem are you having? I can not live at all because I have XXXX to my name & they are giving everyone including myself the runaround but luckily I have time stamps & dates alongside screenshots & emails of the time every single dollar was deposited into my account since the last week of XXXX Step 3 : What happened? Step 4 : What company is this complaint about? Chime Bank My account is under the email : XXXX There was {$39000.00} in my account before they closed it Step 5 : Who are the people involved? Before you get started XXXX | Chime Support asked for, my primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a photo of both the front and the back of your ID, showing all four corners. A secondary form of ID ( such as a social security card & Documents or explanation necessary to validate the source of funds loaded to account ie pay stub, business invoices or statements regarding XXXX XXXX XXXX ppp on XXXX ( I have given her ever single document & photo theyd need to realize that every dollar in my account was meant for abs is owed to me ) XXXX | Chime Member Services she asked, send government ID, secondary ID OR proof of address, an explanation, and any docs you have verifying the source of the account loads and yourself as the intended recipient. she received all documentation within minutes XXXX XXXX Chime Support ( Thank you for providing as many of the requested items as available. Everything provided has been escalated to our team for further review. We will reach back out with an update within XXXX business days. ) in an email sent on XX/XX/21 I replied to a XXXX & a XXXX responded so I reached out to member services again XXXX XXXX XXXX XXXX XXXX to, verify my account by verifying your identity with a picture of your valid government-issued ID and the last 4 digits of your Social Security Number. I am happy to assist you further. ( That was done within seconds ) then I received this email as a response to providing the documentation requested, I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference section 9 ( Account Suspensions and Closures ) of the Chime Deposit Account Agreement. Thanks, Chime Member Services Following that email I reached out again because I couldnt believe that the lack of professionalism was all I had to work with & I then was emailed by a, XXXX XXXX Chime Member Services, saying, To allow me to reopen your account, please submit a photo of your government issued ID and confirm the last four digits of your Social Security number. With these details I can verify your identity and re-open your Chime account. I submitted my photo & my social & of course that ended up being a lie. I received this response basically saying Id need to create a new account, { details below } ( Thanks for reaching out to Chime Member Services, To open a bank account online through Chime, there's a few basic requirements. Here are three things you'll need to start opening your account : Social Security number Valid home address ( not a PO Box ) 18+ U.S. Citizen or resident of one of the 50 United States Visit XXXX and enter your personal info and complete the enrollment form. If you're eligible and complete enrollment, we'll send a Chime XXXX XXXX XXXX in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days. Download our mobile banking app, and log in. You can connect your existing bank account to transfer funds or set up direct deposit. You can also login to online banking at chime.com when you need it. Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXX XXXX or XXXX XXXX, XXXX. ; XXXX FDIC. ) I responded that I had an account that was closed & Id like it reopened & he sent, Hi XXXX XXXX XXXX I've gone ahead and cleared the previous enrollment attempts in our system that were blocking your process. If you begin enrollment now, you should have no trouble submitting a new application. If you run into any more difficulties, please don't hesitate to get back in touch. Thanks, XXXX XXXX Chime Member Services { basically just evading my question with intentions to act as if he doesnt know whats going on on both ends but its obvious they do because after I responded to this email with, I am not looking to open a new account Im looking to open my account that was closed today by your team that had XXXX inside of the account I am not reenrolling. I am asking for my money. They closed the chat & asked me to rate my experience with customer service. Youll need the dates, amounts, and other details about your complaint. If you have documents you want to include, such as billing statements or letters from the company, youll be able to attach them in Step 3. Make sure to include all the information you can, because you generally cant submit a second complaint about the same problem. Well forward your complaint and any documents you provide to the company and work to get you a response generally within 15 days.
03/28/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 953XX
Web
On XX/XX/XXXX I used Chime 's pay friends feature to transfer {$1400.00} to my brothers phone number XXXX for our mortgage payment, His name is XXXX XXXX. For some reason, chime sent the payment to a chime member by the name of XXXX XXXX. I didn't realize that chime had made this error until XX/XX/XXXX when my brother called and asked what happened to the money I was supposed to send him for the mortgage. I immediately contacted Chime to dispute the transfer and return the XXXX cancel the pay friends transfer and return the money so I could make the mortgage payment. On XX/XX/XXXX I got an email from Chime stating that pay friends transactions could not reversed and that I needed to contact the Chime member directly to request that he return the funds that chime sent him by mistake. I followed their instructions and immediately sent in a direct request to the Chime member who received the funds funds and asked that they get returned. I sent in several requests in fact, but I never heard back from the chime member. Chime never issued me a temporary credit. They never attempted to contact the Chime member themselves, Instead on XX/XX/XXXX they sent an email stating that no error occurred on their end and therefore the funds would not be reversed and that they considered the matter closed. I immediately requested the documentation that Chime used in their decision, and found that the dispute team believed that I knowingly paid the wrong person based on their internal view of what the Chime app looks like from their perspective, not even acknowledging the fact that my view as a chime member of what the app looks like and who I was paying was and is completely different then theirs. Over the next 7 months I spent over 30 hours talking to dispute department managers and composing emails, and submitting rebuttal documents to the disputes team to reverse their decision. Every manager I spoke with agreed that the error was not my fault, but none of them could put me in contact with the dispute team handling my case. I sent in a step by step description, including screenshots of the phone number and name of the person that I intended to pay, but the disputes team said that I was not providing them with any new information and therefore would not reverse the transaction and give me back my money. I am attaching the screenshots that irrefutably proves that this error was Chime 's fault. Below please find the final letter that I sent Chime 's disputes department : ( I have received and reviewed the documents that Chime used in determining the outcome of the above referenced claim. Attached please find The documents that chime used entitled ChimeView and another document that Shows that the document used are not what I saw when I authorized and verified the pay to Friends transaction that Im disputing. The Chime document shows that I initiated and confirmed a transaction to chime member XXXX and no error was made and therefore chime could not reverse the transaction. I did not initiate a transaction to chime member XXXX XXXX Please see the first page of the attached document entitled chimecustomerview. At the top of the screen shot of the chime app on the first page it shows that I initiated a transaction to a phone number not to a chime member. Underneath the phone number, under the heading all contacts, it shows XXXX XXXX. That name popped up after I typed in the phone number of the person I wanted to pay. My brothers name is XXXX XXXX, he owns the phone number that I typed in, and he is the person that I intended to pay. The second page of the same document shows a screenshot of the Chime app after I chose XXXX XXXX as the person I wanted to pay. The screenshot shows that I am initiating a payment for one dollar, and the explanation under the payment amount shows that I am paying that dollar so I could show the Chime dispute team solid evidence That I typed in my brothers phone number, his name came up, and that I was initiating a payment to my brother, XXXX XXXX. The Screenshot on page 3 of the same document is what The app showed me after I hit the pay button shown in the screenshot on page 2 of this document. At the bottom of the screenshot theres a button that says pay XXXX {$1.00}. Please note at the top of both the 2nd and 3rd Screenshots from the chime app The name XXXX XXXX appears, not XXXX XXXX and at the bottom of the third screenshot the button says pay XXXX {$1.00}, and there is no mention of this XXXX The fourth and final screenshot on the fourth page of the same document is a screenshot of the chime app showing my recent transactions right after I hit the button pay XXXX {$1.00}. It shows a transfer of one dollar to XXXX XXXX I dont know XXXX XXXX and the phone number that I typed in to initiate the pay friends request does not belong to XXXX XXXX The phone number that I typed in to initiate the pay friends transfer located at the top of the screenshot on page 1 has belonged to XXXX XXXX for more than 20 years. I have been attempting to get this money put back in my account now for more than three months. I have been transferred to and spoken to three managers on the floor of the Chime dispute department. All three managers have told me that this is clearly an error in the chime system, and that This issue was not my fault. I have requested to speak directly with the dispute investigators, But I have been told that not even the dispute department managers Cant talk directly with dispute investigators, and the only way they could be reached is through email. If the dispute department managers can understand that this is a Chime error, why cant the investigators? Please reverse this pay to friends transaction immediately and return the {$1400.00} to my account. These funds were for our mortgage payment, and the fact that chime sent them to the wrong person, and has not returned them for over three months, has caused late payments and return item fees of over {$600.00} and over 30 hours of time waiting on hold, talking to chime representatives, and composing emails. Thank you in advance for your assistance in this matter, and I look forward to seeing the money back in my account very soon. ) Chime 's error has caused irreparable damage to my credit, hundreds of dollars in late fees, and ruined my relationship with my brother, the intended recipient of the funds they sent to the wrong person.
06/16/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 14606
Web Older American
This is a very complicated situation. I already contacted the XXXX Attorney General 's Office and they referred me to you. Here is what happened. On XX/XX/XXXX, I received an email from Chime Bank telling me that a deposit from the SSA was returned to the sender because my account was closed. It would take 2-3 business days to be returned. This was a {$1500.00} deposit I was expecting to be deposited into my XXXX XXXX account, not Chime Bank. Chime had closed my account back in XX/XX/XXXX due to a violation of their Terms and Conditions. This closing was actually due to an error by Chime. But that is another story. On XXXX XXXX XXXX at XXXX XXXX I logged onto the Social Security website to my check direct deposit info and saw that the bank had been switched from XXXXXXXX XXXX XXXX XXXX XXXX which was the routing and account number of my old account with Chime. I then called the Social Security Help Desk and spoke with a female agent and asked how my direct deposit had been changed. She investigated and told me that the change had been made on XXXX XXXX. I told her that I didnt make the request and asked how such a change could have been made. She informed me that banks had had the ability to change direct deposit information years ago, but Social Security had stopped the practice due to fraud and security concerns. But then Social Security resumed allowing banks access to beneficiaries when the pandemic arrived. She was unsure whether or not the practice had been terminated. She also told me that I was the third person she knew of to call the Help Desk surprised that their direct deposit info had been changed. She got my XXXX routing and account numbers and changed the direct deposit back to XXXX. On XX/XX/XXXX, I visited the local Social Security office and verified again that banks did have the ability to access beneficiaries ' accounts to change direct deposit information. I told the agent that I believed the action that Chime took was a criminal act and he agreed. I said that I was going to contact a local attorneys office to see if I could file a lawsuit under consumer protection law. He gave me a Consent for the Release of Information Form SSA-3288 to allow Social Security to give an outside individual or organization copies of specific records relating to my account. On XX/XX/XXXX, I called Social Securitys Help Desk to get more information about what had happened. I did not receive much more details, except I was advised to call the Social Securitys Office of the Inspector General to make a fraud report. I phoned the number given and made a fraud report. The agent at the Office of the Inspector General advised me that Social Security would make an investigation and take any appropriate actions. I was advised that I could never find out the results of the investigation since it was for internal use only, but could make a crime report to local law agencies. At XXXX XXXX. I sent an email to Chime telling them the following : On XX/XX/XXXX, I received the attached email from Chime. Below is a screenshot of that email. ( I have a copy of this email ) The next morning I called Chime customer service and I spoke with a customer service rep yesterday morning ( XX/XX/XXXX ) and asked to be escalated to a supervisor, which was done. I was very upset and I explained that I wanted to understand WHY Chime would access my Social Security account to change the payment from my existing bank account to Chime. Especially since my account had been CLOSED! The message of my email continues recounting what had transpired. I ended the email as follows : Not having access to my Social Security payment, which is my sole means of support, was terrifying and emotionally distressing. I had been the victim of identity theft several years ago. which has taken years to resolve. Therefore, be advised I am contacting local attorneys to find out if the action that Chime took, invading my privacy and accessing my Social Security account without my knowledge or consent was an illegal act. My goal is to investigate which legal options are available to me to pursue any and all financial and legal remedies. This is not a threat, I am only making you aware, as completely as I can of the steps, I am taking in case Chime wishes to make an out-of-court settlement. On XXXX XXXX XXXX, I called the Social Security Help Desk for a follow-up status, since I had not seen a deposit to my XXXX Account. The female agent checked the US Treasury Departments database and told me that Chime had received a payment of {$1500.00} on XX/XX/XXXX, which meant that Chime had lied to me in the email that they sent on XX/XX/XXXX, which stated that an attempted deposit was returned to the sender on XXXX XXXX XXXX She then put a tracer on the deposit to notify the US Treasury Dept. that the beneficiary had a non-receipt of payment from XXXX XXXX. I was advised that it took 7-10 days for the tracing and investigation to be completed by which time XXXX XXXX should have returned the {$1500.00} to the US Treasury Dept . After the 7-10 day investigation, I should receive a deposit to my XXXX account within a day. On XXXX XXXX XXXX I called Chimes Customer Support and recorded the conversation. ( I have the audio file Chime Customer Service Phone XXXX ) I asked to be escalated to a supervisor. After waiting on hold, I told the supervisor I was recording the phone call and then I explained what had happened. In essence, I relayed the information above and that I had sent an email to XXXX on XX/XX/XXXX and had not gotten a response. I advised that she contact the legal department at Chime since I was searching for a law firm to file suit against Chime. This was not a threat but giving notice to Chime in case they wanted to make an out-of-court settlement. As of today, I have been unable to locate a lawyer to take on a Consumer Protection suit against Chime. It is my contention that it was a criminal act to access my Social Security account without my consent or knowledge. I also contend that in doing so, it caused pain and suffering, as I used my Social Security payment for my rent which was due on XX/XX/XXXX. Please let me know if the CFPB can help me in this situation. Thank you.
01/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • IN
  • 47250
Web
Customers have also filed XXXX complaints against Chime withtXXXX XXXX XXXX XXXX ( XXXX XXXX statements on XXXX 's website. I sign up with Chime online bank on XXXX XX/XX/2021 Everything seem fine and easy to sign up. I was all set to go and Chime send me an welcoming email and my online bank with Chime is good to go. I log in to Chime and I transfer {$390.00} and I got an email from them confirming. Few hours later, I try to log in but I can not. Screen says my account is locked due to suspicious activitywhat suspicious activity? I just opened few hours a go and all I did was transfer money to Chime. So till today, nothing. They are not helping me and I got another email from them asking more documents even after I provided it all My account with Chime open and locked the same day I sign up right after I transfer money. {$390.00} may not much to most of people but it is all I have and I have no other income nor get any help from Government assistance. Anyway, I called Chime customer help line XXXX but person in the other line told me they can not unlocked over the phone and it have to go through Chime Support line which only through emails. Say that I need to send them a email to XXXX and XXXX. I did as what they told me because I have no regular income nor get any help from other sources so this may not much to many people but to me it is all I have and I can not buy or spend on anything until I can access my account. Chime support team send me an automatic response asking me to send proof of documentation. Asking all of my personal identifications include picture of my Photo Id, Passport, SSN Card, any of utility bill or trust deed and other important documentation that has my name on it and home Address and include my selfie that I am holding all of documentation and write my name and todays date on a big piece of paper. I send it all of it except current utility bill or any other billing statement because I do not have it and only thing I have was medical billing statement or letter from Hospital and my XXXX that has my name and current address on it. I do not pay any utility bills, nor any other like house ownership, trust deeds, home or life insurance they are asking. And yes, Chime has all of my information and my personal documentations such as picture of my photo ID, My Passport, my SSN card I had to take a picture of them and send it to them by email ..order to unlock my account and I did exactly what and how to send them step by step 5 times already but they still can not accept and reopen my chime account. Without reopen, I can not access to my money or transfer back to my original bank nor close chime account which I want to close at this point because of headache, heart break and dishonest from Chime. How bank open account and than freeze the very same day right after money was transfer to chime? They keep sending me same automatic response email asking documents. I called them again what exactly they are asking? They say I need to send it all at once and correctly in order. They need for me to take a picture of my Photo Id not one but Two pictures of it front and back, Passport front and back, SSN card front and back and any utility bill has my name on it and show the home Address and take a letter out of the Envelope lay it flat and show all XXXX corners. And take a selfie of my self holding all those Documents and write on one piece of paper my name and todays date to verify my identity. Wow.. But I comply and send it to them. But that is still not correct. They say I need proof of Address on one of followingutility bills, bank statement, so on and on but has to be 30 days or less old. I do not have any. I do not pay any bills nor have any of that and can not produce one and nor I went to see a Doctor within 30 days due yo Covid 19. I called today XX/XX/XXXX but they just simply say the same thing over and over like a machine and I dont have what they are asking for and that I didnt show all the proof that I am who I am and nothing they can do.yes they can but they wont. I got so frustrated and told them it is not my fault.person raise his voice and say that it is all my fault. That is why I am having this problem and also I didnt provide everything they are asking forhow do I provide if I do not have nor pay utility bills, nor own a home, trust deeds, life insurance, car insurance which I do not drive..? I called many times and they told me that because my account is on hold, transfer money was fail which means money was never reach chime and was send back to my original bank they told me that XXXX different times. Today XX/XX/XXXX I called and they say yes transfer was fail due to account is on hold and money is limboits not with Chime nor with my original bank Keybank.but than he say Chime has money. So I called back again to make sure and they say yes money is with chime account but you can not access until you provide all the documents. I told them did 5 times but they do nothing but send automatic messagesperson telling me just keep do what they askreally? I call my XXXX XXXX and filed dispute but they say its not guaranteed I will get money back and just let them do their investigation and get back to me. This is so wrong. I m a person, human veing and getting rip-off and scammed. I m not a rich and living on a limited funds and now I have nothing. Again {$390.00} is pocket change for some but to me and many others like me are everything I have. so bottom line, they can not help me nor unlock my account. And this point, I do not want nothing to do with them. I want what is mine and all my information they have to be removed for my safety. And many others like my self having same problems with Chime after I did some digging. It is more about principle, honestly and integrity and value. I feel so beat down and drained and feel stupid at the same time. Law or something has to be done to stop this kind of business practices to make a profit on innocent people. I want to spread it so there wont be no more victims. Please help. I also have all the email documents and few phone conversations.
01/05/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75206
Web
On XX/XX/20, Chime emailed me an invitation to enroll in their Credit Builder program. The footnotes of the invitation said my credit would be built because my monies transferred into a secured account would be used to pay off my charges at the end of every month and the on-time payments would be reported to the credit bureaus ( page 3 of attachment ). On XX/XX/20, I enrolled in Credit Builder and the confirmation email once again had a footnote saying that the money in my secured account would be used to pay off my charges at the end of the month ( page 5 ). In the Chime Mobile Banking app, the Application Disclosure and Secured Account Agreement begins by stating I should keep the document for my records, which is impossible because it is only available in the app and can not be downloaded or emailed. ( And if there is any update to the terms, there would be no way to compare the previous terms to the updated terms. ) Section I ( A ) says in the first sentence that the balance must be paid in full every month ( read : not the statement balance ). The calculation of my balance is described as charges from previous month minus any payments and credits -- again, this calculation does not mention a statement balance. Section F says if I fail to fulfill this obligation, Chime will add negative information to my credit report. In Section 2 ( E ) ( a ), Automatic Payments can be made by choosing an option in the app called " Build Credit Safely ''. If automatic payments are enabled, my balance will be be paid one day after Statement Date. It is important to note, nowhere in the document is there a mention of a billing cycle or statement balance and this is the first mention of a Statement Date, so it is assumed that the balance of charges from the previous month will be automatically paid one day after the Statement Date. This section refers me to Section 9.b. of the Card Agreement for details but there is no Section 9.b. in that document which only has 4 sections. Section A of the Chime Credit Building Visa Credit Card Agreement again says my balance will be calculated by subtracting payments and credits from the outstanding balance from the previous month ( read : not statement balance ) plus any purchases and transactions posted. And, again, this section says the balance must be paid in full every month. Unlike the Application Agreement, the Card Agreement defines " Billing Cycle '' and " Business Day ''. But the Card Agreement first defines the " New Balance '' as the total outstanding balance at the end of the Billing Cycle, then in the Promise to Pay the New Balance is the entire amount that I owe ( again, not the statement balance ). Like the Application Agreement, Section II ( I ) ( b ) ( 2 ) of the Card Agreement says if automatic payments are enabled, payments will be applied one ( 1 ) day after the Statement Date. There is also an option in the app referred to in the Card Agreement to be notified 1 day before the automatic payment is made. In the Card Agreement, Chime says they will provide notification that the statement is available via email and that I will need to login to chime.com to view and print my billing statement. However, this is not possible, as the statement is only viewable on the app and there is not an option to print. At the end of the month, on XX/XX/20, I received an email saying my statement is available. That email said " This month 's balance is {$110.00} '' and that this is what I spent between my last statement and NOW. And because I had Safer Credit Building enabled, the money in my secured account would but used to pay off my balance on XX/XX/20. Nine hours later a second email was sent out correcting the payment date to XX/XX/20. Because the email came out on XX/XX/20 and said my balance NOW is {$110.00} and would be paid automatically, I did not look at my statement or account balance. I trusted that Chime would honor the terms of the Card Agreement and assumed I would not have my report negatively affected by following their instruction for Safer Credit Building. However, my balance on XX/XX/20 was actually {$160.00}. Chime reported this as my High Balance to the credit bureaus as well as an open balance of {$52.00}. Even though opening a new account lowers the average age of the accounts on my credit report, the open balance impacts my score significantly more. On XX/XX/20 I called Chime and asked that my report up corrected and received pat responses about when my Credit Builder Account should show up on my report. I very clearly clarified that I was not asking about when my reports would be updated, but instead, why my balance was not paid in full. The rep saw that the {$52.00} balance had cleared and posted by the end of the month but said he was not in a position to transfer the payment or to update my report so he would have to esclate the matter. Before getting off the phone with him I had him read back to me the reason for my call. On XX/XX/20, I received an email from XXXX, one of the leaders of Member Services Escalations, ignoring my request and again giving pat responses about when my reports would be updated. I promptly replied back and once again very clearly the urgency of my report being corrected as I am trying to get some security deposits back and may be evicted sooner than a dispute with the bureaus would be processed. I copied Chime 's Vice President of Member Experience, XXXX XXXX. XXXX 's response included mentioning of the billing cycle, but also that my " past month 's bill was fully paid promptly ''. I repeatedly explained that nothing in the advertisements, emails, FAQ 's, or Agreements specify that the calendar month high balance and open balance would be reported rather than the statement balances, but he refused to update my report or explain why payment is made five days after the statement closing date rather than the one ( 1 ) day it says in the Agreements and app.
04/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 75219
Web
On XX/XX/2022 three ( 3 ) unauthorized transactions were made using my Chime credit card information without my knowledge or permission. Two of those attempts were successful, however the third ( {$260.00} at an online store called XXXX ) was denied outright because I have international transactions disabled altogether. The two successfully fraudulent charges were both made at online stores, {$350.00} at XXXX XXXX at XXXX and {$170.00} at XXXX 17 minutes later at XXXX. I had never heard of either merchant and had never visited either website. I do not know what was purchased or how the person who made the purchase got hold of my account information. I assumed that it had been skimmed at a gas station where I had used my card the night before to get gas in an unfamiliar neighborhood I had never been to before or since, but this is only my best guess. As soon as I received the notifications from Chime on my phone, I did the following : I reported my credit card stolen, formally disputed the charges on my account via the Chime app, reported the fraudulent activity to Chime Support via telephone, and changed the password for my Chime account. I spoke with a representative of Chime Support over the phone that evening, and I was told by this person that *I had done everything there was to do* and that Chime 's fraud investigation team would handle my dispute and get back to me as soon as possible. Nine days later on XX/XX/XXXX, I received an email from Chime stating that they determined my claim for {$190.00} was investigated and resolved and that they determined that no billing error occurred. At this time I was very confused, as there were no transactions for this amount anywhere on my account or as part of my claim. I then received a separate email thanking me for reporting suspicious activity on my card and told they had opened an investigation into the " billing error '' for {$350.00} - which was only one of the transactions in question. I attempted to contact Chime Support via the app and upon getting nowhere with their support bot, by telephone. I was on hold for a half an hour before I had to hang up in order to care for my kids as I'm a single mother. I was unable to get in contact with anyone that evening. I made another attempt to follow up about the status of my dispute on XX/XX/XXXX, again expressing my concern and listing the fraudulent transactions. A representative named XXXX sent me a message via the Chime app stating that they were taking the issue very seriously and would have the investigation completed no later than XX/XX/2022. I made another attempt to follow up on XX/XX/XXXX. Someone named XXXX apologized for the wait and said some investigations take longer than others. On XX/XX/XXXX, nearly one month since being contacted, I attempted to follow up again at around XXXX. I was on hold for 15 minutes before I was forced to hang up, due to the fact that my XXXX year old son required my attention. Note : at this point, I had expressed to Chime 's investigation team multiple times both via email, and via their support bot, that I am a single mother with XXXX young children who works very hard for the money I make- and while this may not have been important information to them, I'd like to make this point once again : I had {$520.00} stolen straight out of my bank account, and for a single mom living just beneath the poverty line, that's not chump change. This is a violation and a threat to my financial security, and my family is suffering because of it. I was sent an email from Chime 's investigation team at XXXX that evening stating that they determined a " billing error '' occurred in the amount of {$350.00} that they credited back to my account. Nothing was mentioned at all about the other {$170.00} transaction at XXXX. Upon becoming aware of this, I contacted them via telephone once again. After being on hold for 33 minutes, a representative came on the line and I was able to express my deep concern over this matter. It was explained to me by the representative that the dispute was probably denied because there was a {$20.00} XXXXXXXX XXXX transaction included in the original claim. I stated that I did not understand why, as that charge was NOT fraud - it was me feeding my kids dinner. It had absolutely nothing to do with the {$520.00} that was stolen from me. The representative assured me that this was enough information to reopen my claim, which he would do right away, and that I should compose an email stating the same thing I told him. I did write that email and sent it right away. The next morning there was no change on the dispute status page. I emailed again to ask why there was no update on the dispute status. I received an email response right away saying that they're sorry I'm unhappy with the decision but that the claim was considered resolved, but I could request a copy of the information they compiled in order to make that decision, however it could take up to 45 days. I responded by explaining how even the slightest investigation into the XXXX charge would easily prove I did not make the purchase. They wrote back right away ( all of a sudden they are super quick to respond ) again saying they're sorry things did not work out how I had hoped but that all they could do was provide the information they gathered in order to make their final decision and that the matter was handled. I have requested that information. I am absolutely astonished that my bank refuses to follow its own policy of reversing fraudulent charges when I have done everything I was supposed to do. They are allowing the theft of {$170.00} from my bank account, repeatedly writing to me with a script that falsely implies they've completed their obligation. It seems like it's designed to make me, the consumer, feel as though I've lost and have no further recourse so that I will just give up.
12/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 33401
Web Servicemember
To whom this may concern : I have been having issues with " Chime '', backing by XXXXXXXX XXXX XXXX. for over XXXX weeks now. As of XX/XX/XXXX, my checking account along with my credit card account was unexpectedly and not authorized to be closed. I immediately contacted " Chime '' support and I inquired about this issue. The only reason they were able to provide me was that my account was closed due to not complying with their terms and conditions of using the account. This was a major disbelief to me as I was a loyal member for over 2 years with direct deposit totaling XXXX a month from my employer. I used the card very frequently every single day multiple times a day. Not once have I engaged in illicit, illegal, fraudulent, money laundering, or any mischievous acts at all! The most I would do is purchase a LOT of food through XXXX XXXX every single day multiple times a day coming from my own money. I have sent them multiple emails on XX/XX/XXXX and called in multiple times throughout that week, spoken to several managers, and requested my account get reviewed and escalated by a person as I strongly believe the account was closed due to an error on behalf of their computer algorithms and detected my account as a fraudulent account. I work in XXXX. ( XXXX XXXX ) for the past 23 years, including in XXXX XXXX and I understand that this is their practice. However, no one would take me serious and their attitude was just reading scripts, not being empathetic, or caring to my dear situation that left me running behind on bills because of this error of theirs. Below is the excerpt from their last email : " Hi, Thanks for reaching out to Chime Member Services. We have determined your account is not in compliance with your Deposit Account Agreement, as a result your account has been closed. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies/ Due to the account restriction, I'm afraid we won't be able to issue any new Credit Builder cards to your place. On the other hand, we can help you to have prompt access to the remaining funds in your account. In order to proceed, could you please confirm if you have received your closure check? If not, we will issue a new one for you. I look forward to hearing from you. Thanks, XXXX XXXX Chime Member Services '' I have read their terms and conditions on their website and I can confidently say that I have no violated ANY of their terms! See the link they asked me to review : https : //chime.com/policies/stride/deposit-account-agreement/ Go to Section C : " General Rules Governing Deposit Accounts '' Bullet # XXXX : " Account Holds, Suspensions, Restrictions and Closures '' It states the following : " Chime and/or Bank may suspend, freeze, restrict, or close your Account for any reason with or without notice. Such reasons include, but are not limited to : XXXX ) If we, at any time, believe a member is using the Checking Account and/or associated Chime Visa Debit Card for fraudulent or illegal purposes, or such member otherwise presents an undue risk to Chime and/or the Bank as determined, in our sole discretion. XXXX ) Your use conflicts with any federal, state or local law, rule or regulation, including federal foreign asset control and sanction rules and anti-money-laundering rules, or with our policies adopted to assure that we comply with those laws, rules or regulations. XXXX ) We receive a court order or other Legal Process request to suspend or close your account. XXXX ) Your non-fraudulent actions nonetheless violate any part of the Deposit Account Agreement. '' I know I have use my checking account in good faith to the best of my ability and in compliance with their terms and conditions. I know 100 % for a fact I have not used my account for any fraudulent or illegal activities, I know I have 100 % not used my account that would cause any issue at the federal, state, or local law, I know there is no legal processes against me, and I know I have not violated any other part of the agreement. Furthermore, below that policy states the following : " If our monitoring of the Checking Account detects any such activity, the Account funds will be subject to a hold pending review of the activity by the Bank and/or Chime. The Bank and/or Chime may require you and other parties to the activity to produce documents and/or other materials evidencing the validity of the activity. '' At no point did Chime contact me for any evidence or documentation or reviewed with me of any " suspicious '' activity and just went ahead to proceeding with closing my account. Moreover, their customer service have informed me that the account was closed automatically furthering proving my point that this was done in error by their computer algorithm and not ONCE was it ever reviewed by a human being DESPITE me pleading them to have the issue reviewed and provide evidence of such activities they believe to be suspicious. Lastly, myself and two other co-workers of mine has performed some online reviews of Chime from different sources and we all found a common issue : Chime members reporting their account erroneously closing their accounts. Here is one government website listing the issue XXXX XXXXXXXX XXXX XXXXXXXX To quote an excerpt from that website : " The problem with bad customer service from financial institutions became glaringly evident in XXXX, particularly with online banks. Chime, one of the most popular online banks was pummeled in the press last year after reports surfaced that an XXXX ALGORITHM it used had suddenly frozen some customers accounts after INCORRECTLY detecting fraudulent activity. '' As you can see above, I believe I am not the only member who were affected by their mis-programmed algorithm causing accounts to be automatically closed.
10/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MO
  • 641XX
Web Servicemember
My check is direct deposited to chime on XXXX XXXX XXXX my check hit my bank (Chime) on XXXX XXXX I paid off a loan XXXX and had a few arons to run before I went to work by 3 went to work went home. I was waiting on a bonus check to hit my bank that didn't come when my check came I knew it would be the next day so on XXXX XXXX I checked my mobile balance on my phone to see if my phone has had hit it was there but there was also a bunch of withdrawals from a ATM and XXXX XXXX that I did not make so I contacted chime they went through their questionnaire trying to find out what's going on I had to report my card stolen cuz it was my whole wallet was taken out of my purse and there is a possibility that I had my pin written down in my wallet looking at the transactions I did and I gave them all the information they needed only thing was they couldn't dispute any of the transactions until at least one of them went through the transactions rounded up to XXXX all but one were ATM withdrawals and when was the XXXX XXXX so after my card was canceled and all that the lady told me to call back when one of the transactions went through so I called back later on that day cuz it looked like on my end that one of them went through but on their end it didn't so I had to wait again so XXXX XXXX one of the transactions went through and I went to dispute it this time I was able to dispute it well I got a letter email from the chimes dispute team stating that they did not find an error and that the transactions were authorized and I told them I did not authorize those transactions I was at work I sent them my time card they said that that wasn't enough information I tried to dispute it again with a breakdown of my time card and asking them how am I going to be in two places at once they still found no error according to them I requested documents on their findings and what do I see all it is is ATM withdrawals that's what they're going off of so I contacted the XXXX XXXX XXXX the XXXX XXXX girl tried to help me they actually lied to the XXXX XXXX XXXX because I had disputed a third time and they had already sent me the refusal of reopening the dispute case and reviewing it because they said I still didn't have enough information and I didn't submit any new information and they had sent that at midnight on XXXX XXXX that was their response to the initial complaint they had sent to the XXXX XXXX XXXX that they were still working on it and they were working fast to get it resolved they had already had given me my answer by that time because they submitted that at XXXX XXXX on XXXX XXXX after they had sent me the denial email aXXXX XXXX on XXXX XXXX so they weren't working on it they already made a decision I refused their decision with my reasons and I just tried to dispute it again I called trying to find out why they didn't find an error because I was at work on XXXX XXXX from XXXX that was my clock in and I clocked out at XXXX and the withdrawals were made between XXXX XXXX XXXX XXXX XXXX I work at a XXXX so how can I have made does ATM transactions and the XXXX XXXX transaction if I was at work I tried to dispute it all together for maybe five times and I had sent in my XXXX timeline for that night as well like I was suggested by a chime customer service representative as submitting new evidence since that's what they were claiming they needed to reopen the case their response was that I still didn't send any new evidence to reopen my case for them to review and while this whole time I'm going through the XXXX in hopes that I'll get my money back since that money was took and they're refusing to see an error because they were authorized transactions at a ATM because that's what they're basing their error off of even though I did not give my card to anyone and I did not authorize any of those transactions because they were at ATM time is pretty much saying it's okay for that to happen because it was at ATM and that makes it authorized which is wrong if the card holder did not authorize that transaction or anyone else to make that transaction therefore it is stealing and what I gather is they say that that is okay back and forth between the two the XXXX and chime and the money that was took has caused more finances on me because I needed that money for my children for treatment and so now I'm behind on the payments for the treatment and they cannot get it unless I'm up to date on it and that goes on my credit report as well so there's notches off of my credit and my credit is going down because of this issue so not only did they allow someone to authorize a transaction at ATM taking my money but now my credit score is going down my daughter had to be put in the hospital and my other daughter couldn't receive her treatment because I'm behind on the payments and I can't be behind not even a dollar they have to be up to date so no matter if I paid with my next check I still had to pay with that check because their treatments isn't monthly payments it's biweekly because that's when my check is the XXXX XXXX XXXX sent me this number and two other numbers to get a hold of that possibly I can get further assistance before I start talking to a lawyer I really don't want to go that route I just need my money back I need them to fix whatever it is they need to fix on my credit score and to be honest I don't think it's too much to ask for reimbursement of payments that were missed because they refused to see an error because it was an authorized ATM transaction not authorized by the card holder itself I'm a single mom of three and I'm not saying that my problems are more important than anyone else's I'm staying right now my problems have increased due to this decision that chime Banks dispute team are standing by.
10/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 78521
Web
I am facing a significant issue with my bank. Over the past month, I have lost {$1600.00} due to unauthorized charges on my account. Despite filing numerous disputes, the bank has only provided me with my bank statement of these charges as evidence to why it was denied but has not refunded my money. To compound the issue, they have also closed my account. Upon discovering this breach, I immediately contacted Chime and was informed that it could take until XXXX to resolve the issue, with the possibility of receiving a provisional credit within XXXX business days, if eligible. However, I took matters into my own hands and engaged in the following actions within the first hour of discovering the breach : 1. Filed a report online with my local precinct, providing critical information about the unauthorized access and the suspicious activity on my account. 2. Submitted a complaint to the XXXX XXXX XXXX ( XXXX ), outlining the situation. 4. Called 3. Chime repeatedly, approximately 15-20 times, demanding updates and resolution, even though I knew there might not be immediate progress. I implore you to take this matter seriously and ensure that it receives the same level of attention and resolution as my previous case. I trust that you will treat this matter with the urgency and diligence it warrants. This was theyre response >>>>>>>> Claim ID : XXXX On XX/XX/2023, the most recent date a copy of the documents XXXX requested were forwarded to the email on file. On XX/XX/2023, another rebuttal was filed. On the same day, we notified XXXX via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. Claim ID : XXXX On XX/XX/2023, the most recent date a copy of the documents XXXX requested were forwarded to the email on file. On XX/XX/2023, another rebuttal was filed. On the same day, we notified XXXX via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. Claim ID : XXXX On XX/XX/2023, the most recent date a copy of the documents XXXX requested were forwarded to the email on file. On XX/XX/2023, another rebuttal was filed. On the same day, we notified XXXX via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. The account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account. If XXXX would like to receive the documentation received again, we advise that they contact us via email at XXXX and we will provide it within XXXX business days of the request. We thank you for the opportunity to respond to XXXX XXXX ' complaint. If XXXX XXXX continues to have concerns regarding their complaint, please have them contact Chime directly by email at XXXX. <<<< No evidence for why it was actually denied or why my account was closed, its all very general. This is what I responded >>>>>>> I am rejecting this response because : Re : Dispute Response - Claim ID : XXXX Dear Chime, I hope this message finds you well. I am writing in response to your recent communication regarding my dispute, specifically Claim ID : XXXX. I appreciate your continued effort to address my concerns, but I must express my dissatisfaction with your response. Firstly, it is disheartening to learn that you have repeatedly denied my previous claims ( Claim ID : XXXX, XXXX, XXXX ) without providing substantive evidence or a clear explanation for your decisions. The statements you have provided so far lack the necessary detail to help me understand why my requests have been denied. I believe transparency in this matter is crucial to resolve any discrepancies. ( I included those documents to this ) Furthermore, it has come to my attention that on XX/XX/2023, you decided to close my account, citing non-compliance with your internal policies and the account agreement. This action has left me deeply concerned, and I urge you to provide a comprehensive explanation of the specific reasons for this account closure, as well as any evidence supporting your decision. In light of the above, I kindly request that you provide detailed evidence and documentation related to the disputed transactions, along with an explanation of the specific grounds for your denial. This information will be instrumental in facilitating a fair resolution of this matter. If this isnt provided, return me my money. I remain committed to finding an amicable solution to this dispute and hope that we can resolve this matter promptly. Please send all relevant documentation and evidence to support my request to XXXX at your earliest convenience. Thank you for your prompt attention to this matter. I eagerly await your response. <<<<<<<<< So CFBP, In light of the ongoing unauthorized charges, the account closure, and the lack of transparent communication from Chime, my financial stability and peace of mind hang in the balance. The delay in resolving this dispute and the uncertainty surrounding my account 's closure have placed me in a precarious position. I am experiencing significant financial distress due to these circumstances and urgently need a resolution to reclaim my lost funds and address the unauthorized activity on my account. I implore the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Chime takes immediate and appropriate action to rectify this situation, providing the necessary evidence and documentation to support my claims. Your swift intervention is crucial in restoring my financial security and trust in the banking system.
06/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IL
  • 60302
Web
I have been a customer of Chime for several years, with no previous issues. On XX/XX/2023, at XXXX, I was informed via email from Chime that my paycheck in the amount of {$1300.00} was direct deposited into my Chime account from my employer of XXXX XXXX, as has happened biweekly for the past XXXX years without issue. These funds were immediately automatically moved via Chime 's XXXX XXXXXXXX feature from my Chime Checking account into my Chime Credit Builder account. I also utilize Chime 's Round-Up feature for purchases and thus have some money in my Chime Savings accounts. After having utilized Chime 's free-to-use XXXX feature, the total amount moved from my Chime Checking account into my Chime Credit Builder account was {$1200.00}. Without having made any transactions whatsoever, the following occurred four hours later : On XX/XX/2023, at XXXX, I received an email from Chime stating that my Savings Account had been closed and all remaining funds have been transferred to my Chime Checking account. Immediately thereafter, also at XXXX, I received an email stating that " following a recent review of ( my ) Chime Checking Account, ( Chime ) regret ( s ) to inform ( me ) that ( they ) are ending our relationship at this time, '' and that my Chime Checking account would be closed on XX/XX/2023. Immediately thereafter, I recevied a third email- also at XXXX - that my Chime XXXX XXXX account had been closed, effective immediately. As these notifications popped up on my phone, I tried to log-in to check my account on the Chime App only to be greeted with a " hand-waving '' emoji. I promptly left work, got into my car, and drove to XXXX in an attempt to withdraw my funds, but my Chime cards declined. When I returned to work, I called Chime 's listed support number, XXXX, and after providing all of my identifying information and asking about my accounts, was told that my accounts were closed and that they were sorry, but that I would receive a check after XXXX days, no later than XXXX days, for the amount of the funds that were in my three accounts. I was also told that nobody on the phone could discuss the reason behind account closures and that I would need to email the Chime support team. At XXXX on XX/XX/2023, I emailed " XXXX, '' the listed Chime support email address and explained all of this in the email, asking why my accounts were closed and confirming when/how would I be receiving the money that was in all three of my accounts. At XXXX on XX/XX/2023, I received an email from Chime stating the following : " If you still have funds in this account, please allow XXXX days for any outstanding transactions to settle, and then a physical check for the remaining balance will be sent to your mailing address. You should receive your check within XXXX days of your account closure date. '' I was directed to review the XXXX XXXX as to why my account was closed and upon doing so, I could not ( and still can not ) find why it was closed. I emailed Chime back at XXXX asking for the exact reason my account was closed. At XXXX on XX/XX/2023, I received an email from Chime stating the following : " Chime has determined that your account does not comply with the terms of the Deposit Account Agreement. Your account was closed on XX/XX/2023. If you still have funds in this account, please allow XXXX days for any outstanding transactions to settle, and then a physical check for the remaining balance will be sent to your mailing address. If you are expecting any direct deposit, I would like to inform you that it will be returned to the sender and they will receive it back within XXXX business days. You should receive your check within XXXX days of your account closure date. '' Having lost all access to all of my funds ( Chime was my only financial system ) I had to borrow money from friends and ultimately from my job in order to cover my bills. On XX/XX/2023, at XXXX, I emailed Chime the following, responding to the same thread we had already been emailing on : " Hello, My accounts were closed by Chime on XX/XX/XXXX. I am requesting an update on the aforementioned physical check I will be receiving of the combined amount of the funds there were in my XXXX accounts. Has it been mailed? Thank you for your time -- '' On XX/XX/2023, at XXXX I received a separate email from Chime that stated the following : " After a recent review of your account, we've found that it does not comply with the terms of the XXXX Account Agreement. Your account has been closed by Chime and is not eligible for a refund. '' I responded to that email at XXXX stating that I had already been informed several times, verbally and in writing, that I would be receiving a check, that I have reviewed the Terms and do not see where or how I suddenly became non-compliant. I received an email at XXXX that my account was closed by Chime and is not eligible for a refund. On XX/XX/2023, I received an email from Chime stating they noticed a change in my direct deposits, as if I still have an account with them. Out of curiosity, I tried to log in to my account and the app informed me that my account had been closed, just as it had stated on XX/XX/XXXX, and to contact their support number or email address for more information. On XX/XX/2023, I received an email from Chime stating that I've got new XXXX XXXX to send, again, as if I still have an account with them. I am still unable to log into my former Chime account. It is still listed as having been closed by Chime, and to contact their support number or email address for more information. Since this transpired I have read dozens and dozens of news articles and community threads about this exact situation with Chime happening to other people.
09/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MD
  • 218XX
Web
Statement On XXXX XXXX XXXXXX/XX/XXXX I received XXXX from insurance company. So I decided to buy a new vehicle with the settlement and spoke with the dealership the evening of the XXXX they said they needed it in money orders So the following day which is XXXX XXXX XXXXXXXX I was going to go to XXXX XXXX before so I was told by dealership if i got XXXX in money orders they could charge the XXXX XXXX on my card i moved the XXXX from my savings to my XXXX and went to XXXX office to get money XXXX for XXXX XXXX and remaining XXXX XXXX stayed in XXXX account for the dealership to charge on card upon arriving to dealership when I arrived we filled out all paperwork and when he went to charge the card it stated I didnt have enough money even though there was XXXX dollars in the account. I also tried transferring to another card and it stared the same that i didn't have enough cash on card At which time he asked me to call the card company you to release my XXXX k it is now XXXX. I called the number on back of my card chime finacial XXXX and a gentleman by the name of XXXX XXXX employee number XXXX ext XXXX answered the phone while on the phone with him I explained that I was trying to charge card for the amount at dealership and it kept stating I didnt have enough money he said that he could help with this by raising my daily amount but I had to first download a app he told me to type in chime XXXX in top of XXXX XXXX and it would pop up it was TeamViewer quick support at which that time I downloaded the app. The XXXX reasons i consider this was first i was speaking with my bank with whom i trust and second i have had to do this before when my computer broke down. after downloaded I gave him the number which gave him access to the phone were he went to my account and shut off the allowed transaction button and stated that what he was about to do would increase my daily limit Then he went to my XXXX and typed in XXXX and put in the name XXXX at XXXX pm as he was doing this I asked him why he was sending cash to someone he stated he wasn't able to send because transaction button was off and not to worry that the cash wasnt being sent to XXXX because the transfer button was off. I then started repeatedly asking if the cash he sent wasnt being taken why did my balance drop. He then told me that it wasn't taken from my account because the button was off and the money would return shortly all while this is going on finance was listening withme on speaker phone. he told me to stay on with him that it will return. And if I had any concerns about it not to that he worked for you and he would call me from your number at which point he did and switched back to the other line after proving so and he would return cash back and raise my limit. He had me check the limit each time to see if it fixed it. When I stated that the limit wasn't increased he went back into payanyone and typed in the second name XXXX XXXX and put in refund for initial XXXX in which he said that this would give me back the money. I was still questioning him at this point stating why he needed to take money to fix this when he sent it through I had the dealership call chime finacial and he picked up and transferred back over in which I called on second line and he stated see I work with chime you have no worries and I was still questioning him about why he was taking cash when he told me he couldnt fix everything and return the cash unless I let him continue what he was doing and that I had placed and received the calls from him from chime and i have had his XXXX name and number and if I stopped I definitely wouldnt get the XXXX back that he had to finish the jobwhile having access he was trying to get other info and sent XXXX transaction of payanyone to the email he gave me XXXX which is XXXXXXXX XXXX for XXXX and said refund all and he said it would return all of XXXX XXXX that was taken I was irrate at this point and I had the financing guy called your XXXX number again in which he was calling me and answering all the calls to chime finacial when I called your number back again he answered and I proceeded to tell him he wasnt allowed to take my cash and I was going to call the number again at put on XXXX way that he took the cash without my permission and it didnt return. I placed XXXX XXXX call and dialed chime finacial again and I finally was able to reach another person and told them everything that was happening and he was on the other line and transferred to XXXX XXXX and i told him that your coworker is on the line and i told them everything can you please tell them what you did which he hung up and called from your number a few more times to my cell as i was talking to the other employee which told me to unistall app and we would do a dispute I didnt answer and explained everything going on to new person and did as they said. Now i have filled several disputes all getting denied repeatedly i have filed police report reported to fbi I knw of all the scams and I'm very cautious when dealing with things like this and the only reason I even let him do what he did is because he worked for you and answered your phone number for chime finacial everytime no matter who called I trust you as my bank and this person took advantage of that and my only cash from accident can u please help me get this solved tell me what I need to do to pass your criteria because I didn't do anything wrong besides trust my bank to help me fix a problem and intern lost XXXX dollars. I'm also going to speak with attorney General and if all else fails and I'm not helped report your business and do social media and tell how a chime XXXX XXXX XXXXXXXX dollars from my account.
03/20/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 75093
Web
Date of incident- XXXX XXXX Central Time Subject- The Most Common Chime Bank Scams- Checking Account I have had my Chime Checking Account since XXXX -- I was scammed by someone claiming to be from Chime Support. This was regarding issues with direct deposit. The amount was for XXXX I filed a dispute with Chime Member Service explaining in detail every thing that took place. Right after the scam happened and reported to Chime Services I immediately filed a police report, and my incident number was put in my comments of the dispute. The Chime Member Services Team advised I would be eligible for temporary funds to my account until the issue has been researched and a determination provided- Well their so called investigations team denied my dispute the same day advising in a letter sent via email that An Error did not occur. My money would not be returned. This upset me and so I requested a 2nd claim- rebuttal for another review. I still have not received any funds in my account and was advised Chime up to XX/XX/XXXX to determine if temporary funds would be sent. Its been very challenging, and very frustrating along, because I have no money to pay any of my bills since my money is being held XXXX. Its like they refuse to help me with money at all. They were provide a screen shot of the website where this person claiming to be from Chime Support actually used their company logo and made along with a phone number. I rally thought the person who called him self XXXX was trying to help me. He certainly knew everything happening with customers direct deposits. Him claiming to be from Chime Support he accessed my account through a website called any desk- He got in my actual account, and new just how to maneuver through it. He said he was going to run a test to see if it was the Chime App not working or something with my account. He had me go through a series of test so to speak.. He even provide me with an email address that I typed so he said he could test it. There was a place he had me enter dollar amounts i didn't think about because I thought he was really running a test.. After the dollar amount was entered after typing in the email address of XXXX he said the issue was fixed and I should see my direct deposit in about 30 minutes.. The deposit eventually showed up but XXXX was taken.. I immediately called the 888 number back and it was disconnected no longer a ring tone. I did call the other number to get with Chime dispute team to ask about my deposit i explained what happened was advised Chime does not get into customer accounts to fix them. Immediately I explained what happened, and because they said I did what was called a transfer of money from to a feature called pay anyone and I authorized it through this email they would not return my money. I did not agree with this decision as I explained the person used their logo illegally to claim he was helping me and I was scammedXXXX They committed fraud- My dispute is valid in that i was advised by someone at Chime that this was there logout they do not post on websites to assist consumers. Yet I have heard nothing back from their so called investigations that a full investigation is being conducted on their end to find, and bring charges to the person that did this. This is one of the most Chime Scams, and they refuse to help their customers. Im being punished because I trusted the person trying to help me with their company logo. There should not even be another rebuttal of my dispute. This should have already been communicated back to me as a valid dispute that my money is being returned, and an investigation is ongoing to bring charges for fraud. The investigations team has been silent and nothing has yet been communicated since my 2nd rebuttal request. I feel CHIME Stole my money due to fraud that was committed by someone who use their logo, and they refuse to return my XXXX. They are dishonest and have no integrity when it comes to doing the right thing for their customers. If this were XXXX, XXXX XXXX, or even XXXX of XXXX my money would have been returned back no questions asked. Their legal team would take of everything on their end. I have never used this pay onXXXX feature since being with Chime for almost 5 years. This transaction my account sticks out very clearly.. This is why I'm so upset because they can see everything ever done in as far as transactions. So this is why its not right I did nothing wrong but what asked when this person named XXXX did what he did to me. I live paycheck to paycheck and its very upsetting, very disappointing and very dishonest what they have done to me. I did everything on my end with a police report investigations still will not return my money. Think twice about getting an account with them. I'm going with a new bank. I hope alot of people read this. I feel violated against a big corporation that has not care about a customer being scammed. I want it to be known that CHIME is not a good COMPANY. They have held my money XXXX leaving me without any means to pay rent, my electric bill, phone bill, insurance, internet etc. I have been very upset even crying about the situation and have been in contact with their dispute team every day. Yet THEY send an automated email with the same stupid message.. I want this complaint to be taken very serious.. In the hopes someone does investigate CHIME Corporation to see how many people they have actually not returned money back to. I know of 5 that have left comments one for XXXX, XXXX, XXXX, XXXX and XXXX all of these were due to scams as well.. Its really very hard to believe that a BANK that is worth millions has no INTEGRITY.. XXXX XXXX Texas Resident
07/18/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • TX
  • 750XX
Web Servicemember
My name is XXXX XXXX my problem is with chime bank. They won t reimburse funds that were fraudulently removed from my account during a time period of which I was incarcerated due to a XXXX violation for an unrelated personal matter. Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$4500.00} This is the last email I sent to them today. Chime closed my account 2days after claim denial! I DO NOT UNDERSTAND WHY MY CLAIM WAS DENIED PLEASE REOPEN MY CLAIM! I WAS STOLEN FROM POINT BLANK PERIOD!!! XXXX $ WAS REMOVED FROM MY CHIME ACCOUNT BETWEEN XX/XX/XXXX TO XX/XX/XXXX VIA ONLINE TRANSACTION FROM AN XXXX XXXX IP ADDRESS LOCATION SHOWED NEBRASKA AND A XXXX NUMBER ATTACHED TO THE DEVICE THAT HACKED INTO ALL OF MY ACCOUNTS CHIME PLUS OTHERS THE CRIMINALS KNEW I WAS XXXX DURING THE ABOVE MENTIONED TIME FRAME AND USED MY ABSENCE AND INABILITY TO RESPOND TO ANY SECURITY BREACH THAT OTHERWISE I WOULD HAVE BEEN ABLE TO RECOGNIZE AND IMMEDIATELY STOP AND REPORT. I COULD NOT EVEN REPORT TO MY UNEMPLOYMENT PROVIDER TO HALT DIRECT DEPOSITS THAT THE CRIMINALS WOULD STEAL OUT OF MY CHIME ACCOUNT DUE TO THE DOCUMENTED AND PROVEN FACT THAT DUE TO A XXXX VIOLATION I WAS XXXX AND SERVING TIME IN A CORRECTIONAL FACILITY IN XXXX TEXAS THIS OF WHICH I ALSO SENT CHIME PROOF OF. I FILED A POLICE REPORT WITH XXXX TEXAS CITY POLICE DEPARTMENT AND PROVIDED CHIME WITH THE POLICE REPORT NUMBER WITHIN DAYS OF MY RELEASE FROM SAID CORRECTION INSTITUTION AND AS SOON AS I BECAME AWARE OF THE FRAUDULENT ACTIVITY ON MY CHIME BANKING ACCOUNT. I HAVE THE FULL NAME AND DOB AND CITY AND STATE OF THE PERSONS THAT HACKED MY ACCOUNTS AND STOLE MY MONEY. FOUND VIA XXXX ACCOUNTS SECURITY MENU SHOWING THE SECURITY ALERT FOR UNKNOWN LOCATION AND DEVICES LOGGING INTO MY XXXX ACCOUNTS ALSO DURING THE AFOREMENTIONED TIME FRAME TO WHICH I COULD NOT BE MADE AWARE OF UNTIL MY RELEASE IN ORDER TO STOP ANY SAID SECURITY BREACH ... # 1 name of thief : XXXX XXXX XXXX dob : XX/XX/XXXX resides : XXXX NEBRASKA this person had or has ALL of my personal information enough so as to be able to change/delete/reset any and all of my security measures applied to any and all of my banking social media email etc.. Accounts as she was an adopted child of my mothers and through this source used info to defraud me steal from me and she also stole from my mother. # 2 XXXX XXXX XXXX dob XX/XX/XXXX resides : XXXX NEBRASKA she did assist Ms XXXX IN FRAUDULENTLY REMOVING MY FUNDS FROM MY CHIME ACCOUNT ONLINE INTO THEIR PERSONAL XXXX XXXX ACCOUNTS THUS I TOO USE XXXX XXXX YET I WAS XXXX DURING THIS TIME AND UNABLE TO BE NOTIFIED OF THE TRANSACTIONS AGAINST MY ACCOUNTS AND BOTH THESE THIEVES TOOK ADVANTAGE OF THAT FACT AND FOR NEARLY 3MONTHS HAD FREE ACCESS TO ANY AND ALL OF MY FINANCIAL AND PERSONAL AND BUSINESS AND SOCIAL MEDIA ACCOUNTS AND HAVE COST ME TENS OF THOUSANDS OF DOLLARS DUE TO THIS FRAUD TO SAY THIS THAT MY CHIME ACCOUNT IS NOT THE ONLY ACCOUNT THAT WAS COMPROMISED DURING MY ABSENCE AND INABILITY TO RESPOND TIME FRAME OTHER FINANCIAL INSTITUTIONS WERE HACKED THAT I BANK WITH AND FUNDS REMOVED ONLINE FROM THOSE ACCOUNTS AS WELL. REOPEN THIS INVESTIGATION. NOT DOING SO SHOWS THAT CHIME IS ON THE SIDE OF THE CRIMINAL HELPING HACKERS DENYING CLAIMS ASSISTING IN THE FRAUDULENT OBTAINMENT OF FUNDS VIA INTERNATIONAL WIRE, I e THE INTERNET I AS THE CONSUMER HAVE PROVEN BEYOND A REASONABLE DOUBT THAT XXXX $ WAS INFACT STOLEN FROM ME SENT DOCUMENTS PROVING I WAS XXXX AND HAD ABSOLUTELY NO WAY TO ACCESS INTERNET PHONES DEVICES COMPUTER ETC ... .THUS WAS RENDERED UNABLE TO STOP OR REPORT THE BEACH OR FRAUD UNTIL I WAS RELEASED AND MADE AWARE!!! INSURED FOR XXXX $ CHIME STATES THIS IN THEIR ADVERTISEMENT AND CARDHOLDERS AGREEMENT YET CHIME CHOSE TO FORCEFULLY CLOSE ALL OF NY ACCOUNTS WITH THEM UPON MY CLAIM ASSISTED THE FURTHER VIOLATION OF FINANCIAL TURMOIL IN MY LIFE AS I CAN NOT RECEIVE MY STIMULUS, IRS, UNEMPLOYMENT, GRANTS THAT WERE SET FOR DIRECT DEPOSITS TO MY CHIME ACCOUNTS AND CREATED SUCH A BACKLOG AND DELAY OF RECEIVED FUNDS THAT I AM NOW XXXX CARLESS AND HAVING TO SEEK XXXX XXXX FOR THE XXXX AND XXXX IM CURRENTLY SUFFERING AND XXXX XXXX OF BEING DENIED MY CLAIM OR DISPUTE SIMPLY BECAUSE CHIME WOULD RATHER ME BRINK XXXX THAN TO REIMBURSE MONIES PROVEN TO HAVE BEEN TAKEN AND CHIME WOULD RATHER NOT STAND BY THE FACT THAT THIS IS WHAT FDIC INSURED FOR XXXX $ IS SUPPOSE TO MEAN WHEN A CONSUMER SUCH AS MYSELF IS VIOLATED IN THIS WAY ... NO CHIME WOULD RATHER CUT YOU OFF CLOSE YOU OFF AND HALT ANY FINANCIAL PROGRESS TO RECOVER FROM THE XXXX OF ONLINE IDENTIFY THEFT AND ROBBERY BECAUSE GOD FORBID CHIME MIGHT ACTUALLY DO WHAT THEY SHOULD AND REIMBURSE MY FUNDS AND GO INTO PROSECUTION PROCEEDINGS OF THE INDIVIDUALS RESPONSIBLE FOR THIS CYBER ATTACK. THIS IS WHY INTERNET CRIME IS AT SUCH A HIGH LEVEL AND USUALLY PPL GET AWAY WITH THEIR CRIMES VANISH WITHOUT A TRACE AFTER THEY HAVE VIOLATED THE INDIVIDUAL CONSUMER YET WHEN I THE CONSUMER HAVE INVESTIGATED ON MY OWN FOUND THE CULPRITS REPORT THE CRIME THE ONLINE INSTITUTION REFUSING TO ACKNOWLEDGE THAT A CRIME EVEN OCCURED AS TO KEEP THEIR INSURANCE COSTS LOW NOW APPEARS TO BE IN CAHOOTS WITH THE CYBER CRIMINALS CHIME REALLY DOES NOT CARE ABOUT THE CONSUMER AS LONG AS THE CONSUMER DOES NOT COST THEM!!!! BEST BELIEVE IF I WAS OVERDRAWN BY XXXX $ THEY WOULD HAVE ME IN COLLECTIONS!!!! AND IF MY XXXX AND XXXX PEAK LEVELS OF INABILITY TO COPE TO SUCH A DEGREE AS XXXX SEEMS TO BE MY BEST OPTION IS CHIME FDIC INSURED FOR THAT AS WELL?? HERES HOPING SO ... I DONT HAVE BURIAL INSURANCE EITHER!!!!
01/21/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • KS
  • 67401
Web
on XX/XX/XXXX I ORDERED SOME THINGS ONLINE AT XXXX. THERE WAS 3 ORDERS. ONE FOR {$54.00}. ONE FOR {$7.00} AND ONE FOR {$20.00}. THE FIRST TWO ARE ORDERS AND THE XXXX WAS FOR A GIFT CARD THAT WOULD BE ON MY XXXX ACCT, WHEN ORDERING ONLINE WHEN YOU ARE FINISHED SELECTING WHAT YOU WANT YOU THEN SUMMIT THE ORDER AND CHECK YOUR ADDRESS AND THEN YOU PAY FOR IT. YOU CAN NOT GET PASS WITH PAYING UNLESS THERE IS CREDIT ON YOUR ACCOUNT AND OR GIFT CARDS. I PAID WITH MY CHIME CARD. FOR ALL THREE TRANSACTIONS. THERE IS NO WAY AROUND. WHEN YOUR PAYMENT GOES THRU YOU ARE THEN GIVEN A CONFIRMATION SAYING THANK YOU FOR YOUR PAYMENT AND THAT YOUR ORDER HAS BEEN SUBMITTED.IT JUST DEBITS THE AMOUNT OFF YOUR CARD .A COUPLE DAYS LATER I STARTED GETTING TEXT TO MY PHONE AND GETTING EMAILS STATING THAT MY ORDERS COULD NOT BE SHIPPED UNTIL PAID FOR, I HAVE ALREADY PADI FOR THE ORDERS WHEN COMPLETING THE ORDERS WHEN I WAS FINISHED SO I DIDNT KNOW WHY XXXX WAS TRYING TO DEBIT M Y CAAGAIN FOR SOMETHING I ALREADY PAID. I THEN CALLED XXXX TO SEE WHY THEY WERE TRYING TO DEBIT MY CARD FOR THOSE ORDERS I HAD ALREADY PAID FOR. THAT'S WHEN I WAS TOLD THAT THEY DID NOT RECEIVE THE PAYMENTS FOR THE ORDERS. THAT I NEEDED TO CALL THE BANK { CHIME } TO SEE WHY MY PAYMENTS FOR MY ORDERS WERE NOT SENT OR TRANSFERRED FOR PAYMENT.. AT FIRST I WAS TOLD THAT THEY DIDNT SEE ANY PAYMENTS MADE TO THE MERCHANT, THEN THE NEXT REP I SPOKE WITH SAID THEY SEE THE PAYMENTS BEING TAKEN OUT. ETC. AND THAT DIDNT KNOW WHY [ PAYMENTS WAS NOT SENT OUT. I SPOKE TO SOMEONE TWICE FROM CHIME ON XX/XX/XXXX I WAS TOLD SEVERAL TIMES BY EVERYONE I SPOKE WITH REGARDING MY ORDERS, TOLD ME THAT THE REASON WHY THE CARD KEPT GETTING DECLINE WAS IT WAS INSUFFIENT FUNDS, WHICH WAS NOT TRUE. EVERY SINCE THE COVID19 HAS STARTED I HAVE HAD NOTHING BUT TROUBLE WITH MY CARD, MY CARD BEING UNAUTHORIZED USED.MONEY MONEY TAKEN OFF BY CHIME THAT WAS NOT SUPPOSE TO BE DEBIT FROM MY ACCT. SO I HAVE BEEN PUTTING MY CARD ON OFF FOR TRANSACTIONS WHICH IT KEPT MY CARD FROM BEING USED WITHOUT MY PERMISSION. I ONLY TURN IT ON WHEN I NEED TO USE IT THEN I TUR IT BACK OFF. TO AVOID HAVING TO CALL CHIME ABOUT MONEY BEING TAKING OFF MY ACCT. THEN I HAVE TO WAIT 3-7 BBUSINESS OR MORE TO GET MY MONEY BACK. AND YOU ARE GIVEN A HARD TIME. ON XX/XX/XXXX @ ABOUT XXXX I CALLED CHIME ONCE AGAIN ABOUT THE SAME THING REGARDING MY ACCT. I DIALE THE NUMBER FOR CHIME AND I GENTLEMAN FROM CHIME, AND I TOLD HIM WHAT WAS GOING ON AND HE TOL D ME THAT WHEN I PAID FOR MY ORDERS THAT CHIME LETS THE MONEY SIT UNTIL THE PROCESS IS COMPLETE AND THAT MAKES NO SENSE TO ME, IVE ALREADY DID MY PART AS THE CONSUMER I PAID FOR MY ORDERS AND NOW IT WAS THE BANKS TURN TO DO THERE PART AND SEND THE MONEY OVER TO XXXX. SO THAT IS WHY XXXX CONTINUED TO TRY AND PAYMENT IS BECAUSE IT WAS NEVER SENT OVER BY THE CHIME BANK. THEY CONTINUIOUSLY TRIED TO DEBIT MY ACCOUNT UNTIL THEY { XXXX XXXX EVENTUALLY CANCELLED ALL THREE OF ORDERS. AND THIS LAST TIME CALLING AND SPEAKING TO SOMEONE THE CHIME REP WHEN I CALLED SAID THAT HE WOULD HAVE TO TAKE THE BLOCK OFF MY ACCT FOR XXXX IN WHICH I NEVER ASKED TO BLOCK. HE THEN TOOK ME THRU SOME PROCESS THAT HE SAID WOULD TAKE THE BLOCK OFF SO MY PAYMENT WOULD GO THRU, HE HAD ME DOWNLOAD SOMETHING CALLED TEAM VIEWER QUICK SUPPORT AND ANYDESK REMOTE CONTROL. THAT WHEN HE THEN TOOK XXXX FROM MY ACCT AND PUT IT ON MY ACCT LIKE I SENT AND AUTHORIZED FOR HIM TO TAKE THE XXXX FROM MY ACCT WHEN HE WAS SUPPOSE TO BE HELPING ME, I DID LET CHIME KNOW THE VERY NEXT DAY WHAT HAD HAPPENED I FILLED OUT A FORM AND THEY TOLD ME THEY INVESTIGATED AND THAT I WOULD NOT GET MY MONEY BACK. AND I TOLD THEM WHY WONT I BECAUSE I DID NOT AUTHORIZE THAT TRANSFER UR CHIME REP DID THIS THE SOME OTHER COMPANY THAT I DID NOT RECOGNIZE DID A DIRECT DEPOSIT FOR {$6.00}. CHIME HAD ME DO A FORM FOR THE XXXX AND I FILLED OUT A FORM FOR BOTH BUT THEY ONLY GAVE ME BACK MY XXXX NOT MY XXXX. CHIME CAN LOOK AT MY ACCOUNT HISTORY AND SEE THE PROBLEMS IVE BEEN HAVEING WITH MY CARD BEING USED UNAUTHORIZED AND I HAVE NO TIES TO NOONE WHO HAS TAKEN MONEY FROM ME ;. JUST LAST MONTH THE SAME THING HAPPEN TO ME CHIME LET SOMEONE GO INTO MY SAVINGS ACCT TRANSFER MONEY FROM MY SAVING TO MYS CHECKING AND THEN TAKE XXXX FROM ME AND LEAVING MY ACCT WITH ONLY XXXX I DID FILE A POLICE REPORT WITH THE XXXX POLICE DEPT. AND I SUBMITTED MY INFORMATON TO CHIME ABOUT THE REPORT I A FEW DAYS LATER GOT A DEPOSIT TO MY CARD FOR THE AMOUNT THAT WAS TAKEN AND I CALLED CHIME AND GOT A EMAIL AS WELL SAYING THAT IT WAS A MISTAKE DONE BY CHIME. BUT UPON WAITING TO HEAR BACK FROM CHIME I LOOKED UP THE PERSON ; 'S INFORMATION WHO HAD TAKEN THE MONEY, SO HOW COULD IT BE THERE MISTAKE. NOT THIS HAPPENED AGAIN AND XXXX WAS TAKEN FROM ME BY XXXX OF THERE CHIME REPS AND THEY WILL NOT GIVE ME MY MONEY BACK, ALSO I WAS ABLE TO GET THIS INFO FROM THE CHIME ACCT INFO ABOUT THIS PERSON THE NAME SAID XXXX XXXX EMAIL XXXX and a phone # as XXXX this is all i know about this person i dont know nothing about him except he was a chime represenative and he could help. me. this is not the first time this has happen as far as when i order from XXXX the same scenario with the orders and i never get my money returned and my orders get cancel and chime has kept my money. and they even refund money to a card that has been compromised and nolonger being used and the consumer dont know that has happen. chime took my money from me XXXX we are in the pandemic that money that was taken from me was for my bills, my unemployment money, im unemployed due to the covid19 and to have someone just take your money like that is just evil.
08/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • HI
  • 96819
Web
I guess that the easiest way to explain this is with a timeline. XXXX Chime Financial freezes/locks access to my bank account. I called Chime and asked why this was, their reply was i may have violated one of the policies or because of suspicious activity. I asked specifically what triggered this, they stated that i had recieved an electronic funds transfer, approximately 1 to 2 weeks prior, in the amount of {$13000.00} and {$3000.00}. They stated that i was to provide a copy of my drivers license, social security card, a letter recieved within 6 days and proof that the EFT was intended for me, who it was from with the dates and amounts of the EFT. I explained that one of my email accounts had been compromised and i closed that account in question. This email ( XXXX ) was not only linked to my chime account but to my XXXX account, which is where the EFTs were from. Because they were linked to ny XXXX i also closed that account just in case it may have been compromised as well so i did not have any documentation on hand in regards to these deposits.. i also had explained that i needed the email they had on file for me to be changed to XXXX. The said they had submitted the request and i needed to email all the requested copies as well as explain the situation regarding the email and it would be ok. I emailed the copies of my license and social security card. For the letter, i provided them with a letter that i recieved 2 days prior from Chime. It was the letter that had contained my Chime credit card ). I explained the situation regarding the documents about the deposit in the content of the email. When i sent the email, i received an automatic response stating that they had recieved the socuments and were in process of reviewing them. This was at approximately XXXX ( XXXX ). XX/XX/2022 at approximately XXXX I called and spoke with XXXX to follow up on the status of my account. I was told that it was still under review. I asked if there was someone i could speak to to expedite this process, but i was told that the department in question wasnt taking any calls and that the only way to communicate with them was via email. At this point, i am becoming agitated and replied with asking what they would consider as communication because from where i stood that i was the only party that was doing any communicating. I had to call to find out that my account was restricted. I had to call to follow up on the status of my account and at no point did i see anything that ressembled an attempt of Chime Financial initiating any contact whatsoever. I further explained that i was now aggrivited about the situation and was starting to think about seeking legal consul. The representative stated that he would have the situation escalated and to give them until the end of the day. I agreed. XX/XX/2022 at approximately XXXX i emailed XXXX XXXX XXXX and informed them of my situation. I explained that the funds that they transferred to my account were considered suspicous and i asked if they could provide me with documentation stating that those funds in question were intended for me. They provided a statement and i forwarded it to Chime. XX/XX/2022 at approximately XXXX ( XXXX ) - I called Chime Financial and spoke with XXXX XXXX At this point, Im upset. I explained the situation to XXXX and applogized ahead of time if it seemed that i was angry with him further explaing that i was meerly upset at the situation and the way it was being handled. He stated that there was nothing else he would be able to do. I asked if he could transfer me to someone that could or to a supervisor. He then transfered me over to XXXX whomi assume was a supervisor. I explained to XXXX the situation and that i was now seeking legal consul and that i was now going to seek restitution for time loss because at this point I had spent several hours on the phone trying to resolve this, i was also now seeking reimbursement for late fees and penalties because of a direct result of my funds being on hold because the intended purpose of those funds were to pay for some bills. Now, i had to divert funds from another account to pay for those bills. I also incurred additional late fees and penalties because the money that i diverted from my other account were meant for other bills. Those bills now were past due and incurred penalties. I explained that in my course of seeking legal consul, i came across similar claims but those claims were part of a class action law suit and i would not enjoy sitting in a court room, but if put in a position where i needed to that it was something i was willing to do. I asked why I was the only party among 2 parties that was communicating any information concerning this and that it just seemed like Chime was trying to keep my money which was rightfully my money. She said she would further escalate the matter and to give her some time. I told her that i woild be willing to give chime until the end of day XX/XX/2022. After this deadline, if things were not satisfactorily resolved that even if the account was to become reinstated after said deadline that i would continue with proceeding with the legal process and then seek restitution for not only the amount thats in the account, but also everything that i stated prior We are now XX/XX/2022 and there has been no change to the situation and i have run out of funds. The deposits that Chime is flagging as suspicous were stimulus payments for my rent from a nonprofit ( XXXX XXXX XXXXXXXX ). The amount in the bank account in question is somewhere around {$2000.00}.
01/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 20120
Web
On XXXX XX/XX/XXXX, Chime 's " XXXX XXXX '' sent me an email stating that their routine monitoring identified activity on my account which requires verification. I called Chime the same day to ask about the validity of the email and they confirmed it was sent from them, so I sent the documents that I was asked to provide. The agent on the call also reassured me that there was nothing they could see that was wrong with my account and that this was " routine '' and once I submitted the documents, the issue would be resolved. On XXXX XX/XX/XXXX, I received a follow-up email from the " XXXX XXXX '' stating that they have no received " sufficient information '' to verify recent activity on my account, yet did not offer any specifics and asked for the same documents and reasons I had already provided in my email to their first request. There is no specific point of contact assigned to this case and there were no direct contacts provided in case of any questions or concerns. I once again called Chime 's customer service and another agent confirmed that the required documents were submitted and advised me to respond again with the same information along with a ticket number they provided ( XXXX ) that would allow the team to resolve this issue, so I did. On XXXX XX/XX/XXXX, I received the exact same follow-up email stating that they don't have sufficient information. So, I called customer service again and asked them to pull up my notes and ticket number. Same response, or rather, lack of response. The agent was not able to tell me exactly what was missing, what was needed, or why I was receiving the email saying that the information I provided was insufficient. This agent ( I never spoke to the same agent twice ) also confirmed that the documents are sufficient and they would again create a ticket to resolve the issue. On XXXX XX/XX/XXXX, I received an automated email from the XXXX XXXX concerning ticket XXXX stating that they haven't heard back from my regarding recent account activity, even though I had called 2 days prior and spoke with an agent who had created a ticket for this particular case. I called again and resubmitted the documents along with yet another ticket that was created for this call, XXXX. The agent assured me that the documents were correct and that he would have someone contact me directly about this issue within the hour. The call was around XXXX XXXX and I did not receive any follow up from Chime for the rest of the day. on XXXX XX/XX/XXXX, I received another email from the XXXX XXXX again stating that they don't have sufficient information and asked me to provide any " documents/stubs as there are several third party ACH money transfers on the account. '' No idea what this means, and in a separate email from " The Chime XXXX '' I was notified that my account has a temporary security restriction due to " some unusual activity '' and was no longer able to access or view my account. They requested that I send a primary government-issued ID and proof of address in a form of some utility bill, which I do not have because I don't have any bills under my name. I called again, this time finally was able to escalate to a supervisor who told me the same thing every agent I've spoken to has : that the documents were sufficient and that she would escalate this to the correct department. I also sent an ID and I told her that I do not have any utility bills and she said she would make a note and this issue would be resolved within the next XXXX hours and I would be notified via email. I never received any emails so I called again, spoke to a different supervisor who created another ticket and escalated the issue. This process has been repeated multiple times since XXXX XX/XX/XXXX and is now part of my daily routine. Every time I call, I ask to speak to a supervisor, and no supervisor has been able to give me an answer as to why exactly my account was suspended and why I've received no communication from the " correct department '' to help lift my suspension. They tell me they have no answers for me, that they can do no more than to create a ticket and escalate it to the department that handles this. All they have done is re-read emails that have been sent to me and ask me to " send documents '' ; none of which have led to a resolution. I do not need help reading emails as I can read perfectly fine. In a desperate attempt, I replied to the email that notified me of my account suspension with another copy of my driver 's license and a copy of a bank statement from another institution as proof of address in lieu of not having any bills, all while on a call with yet another supervisor who confirmed that she received my email and would forward it over. I was told that even the supervisors have no way to directly contacting the " correct department '' that handles account activity and suspensions, and the only way to reach them is creating tickets and to email them. Furthermore, this was " outside the scope of their capabilities. '' I have now probably a dozen tickets in my file and I've emailed this elusive department multiple times. I was also told that they have up to XXXX hours to respond. We are now going into week XXXX of this absolute nightmare of a completely outrageous institution that should not ever be given the function to handle any one 's finances. I need access to my funds as I need money to XXXX.
09/15/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • MD
  • 21061
Web
This is an email conversation I had with Chime regarding a Visa debit card that I received in the mail that I never requested, for a checking account that I never opened. Ive never used the Chime app. All emails take place XX/XX/2020 between XXXX XXXX EST and XXXX XXXX EST. ME : Hello, I've received a chime card in the mail however, I never requested one and never opened a chime account. Chime This is an automated response to let you know your request has been received and is being reviewed by our Member Services team! To add additional comments, reply to this email. 2020 Chime. All Rights Reserved. XXXX XXXX XXXX, XXXX XXXX, CA XXXX The Chime Visa Debit Card is issued by XXXX XXXX XXXX or XXXX XXXX, XXXX. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. This email was sent to you because you signed up for an account at Chime and agreed to Chime 's Electronic Communication Agreement. To find out who is the issuer of your Chime Visa Debit Card, turn your card over to check for the listed bank partner. [ XXXX ] Chime Hi XXXX, Thanks for reaching out to Chime Member Services! This is XXXX, a live representative, hoping you and your loved ones are safe and sound during these difficult times. I apologize for not getting with you sooner! Chime is experiencing limited Member Services agent staffing as a result of safety measures to address COVID-19. To help me best assist you could you please confirm if you are a Chime member, and please verify the last 4 digits of your Social Security number and send a photo of your valid government-issued photo ID, I would be happy to assist you further! I look forward to hearing from you! Kind Regards, XXXX | Chime Member Services XX/XX/2020 Chime. All Rights Reserved. XXXX XXXX XXXX, XXXX XXXX, CA XXXX The Chime Visa Debit Card is issued by XXXX XXXX XX/XX/XXXXor XXXX XX/XX/XXXX, XXXX. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. This email was sent to you because you signed up for an account at Chime and agreed to Chime 's Electronic Communication Agreement. To find out who is the issuer of your Chime Visa Debit Card, turn your card over to check for the listed bank partner. [ XXXX ] ME : Im not a chime member. That's why I'm contacting you. I've never downloaded the app. But I got a chime visa debit card in the mail today. Show quoted text Chime XXXX XXXX, Thank you for reaching out and letting us know you believe a Chime account may have been created using your personal information. Chime takes reports of identity theft very seriously and we are happy to further investigate the matter for you. So in order to create a proper investigation, please reply to this email. Please note : If you potentially could have created an account in the past ( months or years ago ) and just need assistance regaining access to this account and just or need a card, please let us know and we can assist you with regaining access. It is not possible to open a second Chime account, delete a current account so a new account can be created, or change account numbers ( or create new ones ) once they have been set at enrollment. Also, we can not open a new account in order for members to reenroll using a referral link if an account has already created by the member who initially did not enroll using a referral link. Please confirm if you recall potentially creating this account or not. Kind regards, XXXX | Chime Member Services. XX/XX/2020Chime. All Rights Reserved. XXXX XXXX XXXX, XXXX XXXX, CA XXXX The Chime Visa Debit Card is issued by XXXX XXXX XX/XX/XXXXor XXXX XX/XX/XXXX, XXXX. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. This email was sent to you because you signed up for an account at Chime and agreed to Chime 's Electronic Communication Agreement. To find out who is the issuer of your Chime Visa Debit Card, turn your card over to check for the listed bank partner. [ XXXX ] ME : I definitely did not create this account, I definitely did not order that visa debit card Show quoted text Chime Hi XXXX, Thanks for reaching out to Chime Member Services! finally in order to request, Could you please confirm the last 4 of your SSN, full name, and date of birth. Also please attach a picture of the back the card. I look forward to hearing from you! Kind Regards, XXXX | Chime Member Services. XX/XX/2020Chime. All Rights Reserved. XXXX XXXX XXXX, XXXX XXXX, CA XXXX The Chime Visa Debit Card is issued by XXXX XXXX XXXX or XXXX XXXX, XXXX. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. This email was sent to you because you signed up for an account at Chime and agreed to Chime 's Electronic Communication Agreement. To find out who is the issuer of your Chime Visa Debit Card, turn your card over to check for the listed bank partner. [ XXXX ] ME : Chime support, I'm not handing you every piece of information you need to activate this card. If there is a chime account associated with this email then I did not open it. Please close the account. Your last email was very suspicious and I will be contacting the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. Show quoted text They never responded.
03/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28216
Web
My Name is XXXX XXXX on XX/XX/XXXX I woke up around XXXX XXXX. Upon waking up I grabbed my phone off the nightstand and saw several alerts from Chime bank regarding change in balance ( XXXX cents ) also a denied overdraft try for XXXX. I told my wife what was going on and we both were puzzled, I opened the chime app on my phone to see that an ATM withdrawal had taken place for XXXX at XXXX while I was in bed asleep. I called chime explained to the rep what was going on and was passed on to their disputes department. I then explained to this person that an ATM transaction for XXXX had taken place while I was home in bed and my debit card was in my wallet in my nightstand. The rep said he had to cancel my card that again was in my possession not lost or stolen but in my wallet. I agreed to that then he told told me id receive my money back within 24-26 hours. After speaking with him I felt something wasnt rite so I called back and got a different rep on the phone. This rep told me that I cant file a dispute until the transaction post which it finally posted the next day XX/XX/XXXX. I called on the XXXX to file my dispute I explained again that my card was not lost or stolen but in my possession when this happened I asked how could this happen at an ATM without having my card. Rep had no clue so I proceeded to give the info was given a claim number XXXX. Two days later on Wednesday XX/XX/XXXX I got an email denying my dispute stating no error was found I immediately called back asking why this decision? I was told that I could request the documents used in their investigation and received within 10 days. I was not pleased by this and I informed that I would get the XXXX police involved. I then was told if I get any additional info to send it and the case would be reviewed. I personally went to the store at XXXX XXXX XXXX XXXXXXXX XXXX which is a store around the corner from my home. I got the number off the ATM machine and called the company they said the camera on the machine wasnt turned on. The XXXX police officer XXXX XXXX came to my home I gave him the details of what took place he then went to the store to see if he could get the surveillance video from inside the store. After several attempts to get the video he finally got it Wednesday evening XX/XX/XXXX. He sent it to me but stated that the camera in the air above the ATM wasnt working the store said it was a corporate camera or something and they had no access to it ( Red Flag ). Anyway I sent the video obtain by the officer that showed the timeline highlighted, it showed a XXXX male leaving the corner of the store where the ATM is located wearing a hoodie and mask. The officer pause on the individual and you can see him putting his right hand in his pocket before he goes out the door. The video shows he was the only person in the store and the timeline matches up with the transaction time. I sent this video along with my photo ID clearly showing I am a XXXX male and the individual was a XXXX male. I asked chime repeatedly what else is needed from the Officer and I never got a response only scripted messages as all their emails are. I asked could the person overseeing the investigation contact me this never happened. I sent the footage and ID again on Thursday the XXXX never heard anything so on Monday XX/XX/XXXX I called that morning spoke with a rep who then said my evidence was received and he was escalating the claim. That evening I received an email denying my claim stating no error! I once again called furious spoke with a rep who kept bringing up the documents used in their investigation. Me furious asked whats in these documents that chime keeps talking about he went on to say that my card had been used at this store before as well as the XXXX XXXX across the parking lot that my wife and I grocery shop. What does XXXX XXXX have to do with this or the fact that I have purchased gas inside this store at the register before and I have used that ATM before. The store is rite around the corner from my home and per Chime their free ATMs are located inside XXXX XXXX stores. I told them numerous times that the last time I was in that store was Wednesday XX/XX/XXXX my money was stolen on XX/XX/XXXX. The rep told me all the video shows was a man walking out the store! This was my last and I told Chime that numerous times, I am very frustrated as they are treating me as if I took my own money out spent it now trying to get it back. Why would I do that? And go through all of this hassle? Also why would I try to get an addition XXXX out that I knew wasnt there? This makes no sense how they have responded with these so called investigations when Im the one that was doing the investigation. I have easily had over XXXX dollars come through this account and made numerous ATM withdrawals from Various ATM machines and used my debit card at numerous places. I have never ever filed a dispute until now nor have I reported my card lost or stolen before. I am extremely frustrated how Ive been treated as a Chime member and this was my last as Im unemployed and XXXX fighting for XXXX so every penny counts for me. I told them several times Im not going to accept this and go away Im going higher so here I am contacting you all.
11/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 77084
Web
I went to XXXX XXXX XXXX to purchase a car in which I was told I needed a co-signer .a After being denied by first co signer I asked someone else to help me in which they agreed but never came to dealership. After waiting 2 weeks the dealership called and said I was approved for the car but I needed to pay XXXX $ down payment. The dealership than gave me a loaner car for some odd reason until they recieved the XXXX $ which was never paid on dealership premises but yet I was instructed to meet one of the dealer workers at the nearby XXXX a block from the dealership in which I questioned because it seemed suspicious. Once I got the car I signed loads of paperwork and the other half in which the co-signer had to sign was transported to her home by another dealership worker which was more suspicious to me but with this being my first time purchasing a car like this I didnt know if this was legal or illegal and I was told by the dealers that they were doing me a favor or otherwise I be waiting until the person could show up to dealership which was impossible because the person had no desire to come at no point at all. After signing the paperwork the dealer assured us we would get our separate copies in the mail and Thanked the person for being a good co-signer. Immediately after getting the car I started receiving calls from XXXX XXXX XXXX XXXX. Not even a week after getting the car this lady named XXXX from the XXXX XXXX is calling for payments in which I was instructed no payments for first 60 days but she continued to call and harass me about payments. My first payment was paid a month early mainly because this lady was making up lies for some reason to get money from me. Not one time was the co-signer mentioned in any conversation from the XXXX XXXX. I asked about the paperwork literally every time this lady called me and I even called her numerous times for the paperwork in which her response was the same as dealership that I would receive it in mail. I sent the first payment to my co-signer to pay online due to me not receiving anything to verify the account online because I still hadnt received any paperwork but the co-signer did. After the first payment I went in personally to pay the note to get the paperwork but was told the same thing every time. Still being harassed for payment by the same lady weekly but still no paperwork. Paying XXXX $ a month on a car and still havent received paperwork 6 months later was frustrating me, I just felt I was being screwed over somehow. After speaking with this lady XXXX again making a payment XX/XX/XXXX I told her I wasnt making anymore payments until I recieved the proper paperwork about the car. She terminated the call randomly but called back saying I wasnt listed on the loan and if I didnt return the car to owner she would report it stolen to police!!! Huh? She than told me that the payments were 3 months behind and she would have the car repod if I didnt follow her directions. I asked so you going to call police and have it repo but you calling me for payments and not who you have business with? How can my paperwork get switched without notifying me and why are you calling me for payments if I dont have an account with you? This opened up a lot of new information assuring the dealership scammed me. The loan was approved for XXXX $ down but I was charged XXXX and only XXXX $ was returned and a fake letter with a forged signature from the dealership came to play. The letter stating that the car was for the co-signer and nothing to do with me but the co-signer never been to this dealership ever and had no desire to purchase a car at all. This person didnt know what make and model of car I was looking to purchase to even make those types of accusations and its impossible to go pick any car of my choice and someone spitting this car in their name for me. The person barely wanted to co-sign!!! I asked for my refund from this company in which they told me contact my bank and I did. I filed a dispute with Chime bank but they closed my account. They sent emails saying contact them Thru the app but after closing my account I had no access to the app features in which they know this. Numerous emails without a response!! When I did get response from Chime they assured that they closed my account and had no reason or business with me completely avoiding my dispute. After filing with XXXX Chime emailed me saying they investigated my case and found nothing wrong in which its a lot wrong my funds went to a account that has nothing to do with my name or business so what did they investigate? They sent same automated emails over and over and XXXX TOLD ME CONTACT YOU FOR FURTHER ASSISTANCE DUE TO CHIME LACK OF BUSINESS RESPONSES AND SENDING SAME EMAILS. I Work extremely hard for my income and Im a felon which means job opportunities are limited and for these people to take advantage of me is a violation of my rights and Im sure of this. I ask that chime return my funds immediately and this XXXX XXXX XXXX XXXX and XXXX XXXX XXXX take full responsibility for the scam and fraud they have committed. I have suffered greatly since than because these obstacles but a burden on my family and I and I have yet to get this issue resolved legally!!
12/12/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 959XX
Web
On XXXX XXXX, I called Chime Bank to find out how to send {$2100.00} to my niece from my Chime spending account. She needed the funds right away, and I asked the Chime rep if there was another way to send the funds due to Chimes monthly transfer limit. The Chime rep suggested I might use XXXX to make this transfer. I then ran a XXXX search for XXXX customer service telephone number. The first link that came up was this XXXX XXXX XXXX XXXXXXXX. Because I was using my XXXX browser, I could only see the first portion of the URL in the search bar. It took me to a website that looked exactly like a XXXX site : same logo, same branding, etc. I called the number on the site and spoke with someone named XXXX, who identified himself as a XXXX agent at ext. XXXX. I told him I needed to ask some questions about using XXXX to transfer money from my Chime bank account to a friend, what the fee would be, how long it would take, etc. He said he could take care of the whole process for me on the spot, could verify my bank info, and make the transfer. Believing I was speaking to a XXXX rep ( he identified himself as a XXXX representative, who through his actions confirmed that I was performing a legitimate XXXX transaction ), I authorized the first transaction, but then he told me he needed to break up the amounts into several different transactions due to Chimes transfer limits, and that he needed to send the same transaction multiple times using varying amounts since it was not going through, and that I just needed to verify my identity to authorize the payments. After a very lengthy and detailed process, also involving several transfers of funds through my nieces XXXX account ( which XXXX said he needed to do as further part of the authorization and recipient verification process ), I began to suspect it might be a scam, and declined further transaction requests. However, the amounts that were pending at that point, finally finished this morning ( XX/XX/XXXX ), draining my account of further funds. During this process, he called and texted me from the following telephone numbers : XXXX XXXX ( caller ID said this number is from XXXX, OK ) When I began to suspect it was a scam, I went online to look for any information XXXX or anyone else might have posted warning consumers about this site or similar ones. I saw nothing. I went back to that same website later to verify its authenticity, and it still looked exactly like the XXXX website ( afterwards, knowing it was fraudulent, when I went back to that website on my computer, the design had changed somewhat, and it was more obvious that it wasnt XXXX ). I then contacted XXXX and informed them of what happened. I do feel that XXXX bears some responsibility for allowing this fraudulent website to exist, when surely other people must have also been deceived by it and also reported it to XXXX. On Sunday morning ( XX/XX/XXXX ), after I had realized the whole thing was a scam, I received a call from a Chime Bank rep who identified himself as XXXX. He said there had been suspicious activity on my account and asked me to verify some information, which I did. I explained the situation to him, reported the scam, gave him details, and asked him several questions about how Chime would handle the disputes. About 2 hours later, I called Chime customer support/fraud services to verify they had all the info they needed from me, and was told that no one from Chime had called me! I then demanded that the pending transactions ( I verified they were all still pending at that time ) be immediately cancelled since someone was stealing my money, and was told this was not possible until the transactions had cleared. I then demanded that Chime freeze my account until further notice from me, and was told this was not possible either. I then had my card deactivated. Below is detail of all my stolen funds from my Chime account due to this scam : Chime Dispute claim # XXXX ( resolved ) : {$2100.00} posted XX/XX/XXXX ( Sun ) @ XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Chime Dispute claim # XXXX ( resolved ) : {$490.00} posted XX/XX/XXXX @ XXXXXXXX XXXX merchant/recipient - XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1900.00} XXXX XX/XX/XXXX @ XXXX XXXX merchant/recipient - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- Chime Dispute claim # XXXX ( Chime has ruled NOT in my favor and will not restore my funds ) : {$1900.00} posted XX/XX/XXXX merchant/recipient - XXXX XXXX XXXX XXXXXXXX XXXX XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX claim # XXXX ( XXXX has not yet responded ) : {$1100.00} posted XX/XX/XXXX recipient - XXXX XXXXXXXX transfer conf. XXXX {$990.00} posted XX/XX/XXXX recipient - XXXX XXXX transfer conf. XXXX Ive reported these to XXXX XXXXXXXX XXXX. However, the full amount of the scammed funds came from my Chime account, and the XXXX withdrawals are likely duplicates. The fraudsters had transferred {$2100.00} into my XXXX XXXXXXXX XXXX account on XX/XX/XXXX using XXXX, then transferred {$1100.00} and {$990.00} out of my XXXX account using XXXX, per my notes above.
05/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • KS
  • 671XX
Web
This complaint is a continuation of a complaint that you just closed. Case # XXXX. Chime Bank did not do as they claim to have done. They made a claim that they sent the documents I requested on XX/XX/XXXX. Firstly I requested these documents be mailed to me, not emailed to me. Secondly I received a document from them today for the first time, via email, not XXXX as requested. Thirdly, the document they provided does not address the issues at hand. the document has been very redacted and actually does not provide any information that is relevant, and the document has been altered by Chime and makes statements that they claim I made, but I did not make, In addition, Chime has excluded all the documents I submitted, and that means this was an incomplete investigation. I will attach the document they sent me for your review. Their document shows the time the funds were sent, but not when they were received. They also do not include information as to who the deposit was received by. The portion that claims to name a receiver of the funds is completely blacked out. This does not tell me at all if the funds were still received by no one or if they were received by someone and the name is blacked out. If there was an actual recipient then I most certainly am entitled to know who received my funds. In the section labeled as Supporting Documentation XXXX. Documentation you supplied in relation to this dispute, as previously mentioned there are none of the documents I supplied that are shown here and have been excluded from the documents I supplied inventory list here. I supplied numerous documents that are not shown. At no point did I make the statement that the recipient could not make an account to claim the funds as they say I did. This is blatent forgery on their part as these were not my words. I stated that the recipient did not have an account nor are they required to have an account as Chime told me. I never said they could not, I said they did not have one and one isnt required. Chime is also aware of the recipients name and email address. I provided this information many times. The email address the money was sent to was XXXX, and the recipients name was XXXX. I can verify this as i have copies of many emails to and from them with this information. Something has to be done about institutions like these. They are ommitting evidence, excluding evidence, inputting statements that were not made by me, and redacting what they claim to be documents used in a decision making process. With the document redacted or blanked out, of which I can not tell, this is not a complete document and that means it is not the document I requested. The did not make their decision based off of information they could not read, they must have been able to read it to make a decision. If they were using a legible document, not this redacted version of a document, than that is what they are required to provide. I did not request part of a manufactured and fabricated document, I requested the actual documents. If you continue to allow these institutions to make and break the rules at will, your office serves no purpose. I am including in the attachments the email received by the recipient about the funds sent, however when clicking to accept the funds, a message was displayed indicating the recipient was to contact customer support. When the recipient contacted customer support via email, this is the response the recipient received numerous times. As you can see in the email they received, Chime offered no support to the recipient. Firstly, Chime addressed the email wrong. They have the recipients email address but have input my name in the address. XXXX the recipient address, however they have input the senders name here with the recipients address. This is a mistake they were informed about many times. They go on to address me, the sender, as if I were the recipient, which I am not, and say " if I have a Chime account ... '' As the sender, of course I have a Chime account or I would not have been able to send the money. The recipient does not have a Chime account and therefore was unable to receive any customer service on the issue. The recipient was unable to utilitze the chat button they refer to because the recipient is not a Chime member. For the same reason the recipient could not call for support. Chime offered no support to the recipient thus making this impossible for the recipient to receive the funds I sent. I am also including an email from Chime on XXXX stating they made a decision about this dispute. I requested documentation that very day. This is proof that Chime exceeded the timeframe to supply the documents requested. If Chime did provide these documents to me on XX/XX/XXXX as they claimed, which they did not, the documents were actually on XX/XX/XXXX, but even if they were provided on XX/XX/XXXX and the documents were requested on XX/XX/XXXX, than that is still XXXX month after the request was made. Chime violated the timeframe to provide documents. One month exceeds the allowed timeframe. There is evidence here.
08/25/2023 Yes
  • Prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • NV
  • 895XX
Web Older American, Servicemember
On XX/XX/XXXX I lost my debit card I didn't notice that I lost it until later that night when I was trying to order some food and my account said overdrawn on the app I looked and noticed about 10 or 11 transactions back to back purchases with even some of them having the same amount within 2hours my account had been wipe out and even overdrawn. So I call immediately to chime to report the fraudulent unauthorized transactions and the person assured me that it's no problem there going to help me. What a lie he told. Next he says I can't start the claim until the funds are tooken out of my account. I said why nothing from any of these companies shouldn't be on here period I don't want to wait for the claim to start they told me I had to wait I explained I'm on a fixed income and I needed my money back they couldn't of had my pin and they definitely didn't possess my identification. So I'm trying to figure out how a total stranger could go to these store and get my money without a pin number or a identification card. I received a email stating that if I wanted to start my claim on some of the transactions I could so I started the process for those claims only to receive a email stating that I requested for the claim to stop. I immediately emailed and called chime and told them the email was t accurate and that I never asked for the claim to stop. Once again they said no problem they can help me. Another lie. The next thing I get a email stating that I'm denied and they can send me evidence and documents on how they came up with that. I called and live chated asking why was I being denied I asked them how could they deny me and not tell me why I asked them why did I have to wait ten days I ask them to email this bull XXXX evidence I've now requested this over 5 times and as of XX/XX/XXXX I have yet to receive it. I filed a rebuttal and ask for my provisional credit they give my some way out date for that when on the error policy it states ten days for a credit so I wouldn't be suffering from these unauthorized fraud that has accured. They haven't yet to give me the provisional credit and now they keep saying that they will get to my case by XX/XX/XXXX. I filed a police report I sent in my GPS for that day I'm no where around any of those places. I got a call from XXXX XXXX trying to help me. He asked me to contact Chime and find out the address for the stores or phone numbers or something somhe can go tomthese location. Chime once again has failed to provide any info on these stores. I got in touch with the XXXX and with the store number only they were able to tell me what location I went to the location 3days ago and told them what happened and that the XXXX wanted to make sure they don't record over any footage for that day. The customer service manager stated that she hadn't been contacted by Chime and she told me to get her a hard copy of the police report. So I called Chime and asked them why they hadn't contacted XXXX in regards to my case and why haven't they given me my provisional credit. And I've been hung up on I've been transferred over and over and over not only on the phone but on the live chat even when I ask not to be transferred I've requested managers and been hung up on and I've been more irritated by the employee acting like they didn't hear my request and continue to talk. I've been victimized over and over by Chime they failed to protect my money. I never thought that someone could take every XXXX and some without proper identification or a pin boy was I wrong. I don't understand what's the good for a pin if anybody can access my money without one. I've been sent emails that state lies saying I request for no one to contact me when I know I've only requested for a call back or XXXX. I'm tired of this company treating me like I'm the thief when I'm the customer that has been victimized and instead of helping me they have continued to prolong my suffering I'm a XXXX old veteran and I'm not understanding why this company has done me like this. They couldn't even tell me why my account was flagged for suspicious activity when 7purchases within XXXX at XXXX with 3 of the totals being the same amount. If that's not suspicious what is. Why XXXX has XXXXtransactions same amounts back to back. This company should be shut down there business practices hurt the customer and give the criminals a have at it ability to hurt the customer. They say to contact them with email you do that they still don't help I haven't gotten one call from this company not one. They tell you on other things go talk to the live chat for faster help and you get transferred until they just end your chat and never help you waste your time and patience. Then you requested info and guess what they drop the ball on that as well never giving me any of the documents I requested nor mailing them nor emailing them. I need action better business bureau Im not getting any help with my money being stolen and no answer worthy when someone took all my money without a pin or identification card.
07/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 78660
Web
On XX/XX/22 I received a phone notification regarding two unauthorized transactions linked to my Chime Checking account, totaling {$150.00} ( one charge for {$100.00} ; a second charge for {$50.00} ). The charges were made to an organization named XXXX, based in XXXX XXXX. I live in XXXX. I was concerned that my card details had been stolen, so I went into the Chime app to turn off transactions, and to request that new cards be issued. Also, within ten minutes of receiving the notification, I phoned Chime and spoke to a representative to report the unauthorized transactions. At the time of the call, the transactions showed as pending on my account. The representative I spoke with shared that I would have to wait until they posted to file a dispute with Chime, to help resolve the matter. I followed those instructions, and on XX/XX/22 received what was noted as a provisional credit, which saw the money stolen from me refunded. On XX/XX/22 the credit was reversed and the stolen funds were, again, withdrawn from my account. I was confused by this development, so I checked my email to see if Chime had offered any explanation. I received a letter from Chime that said, in part : Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$150.00} " 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. On XXXX, a provisional credit was posted to your account on a temporary basis until we completed our investigation. On XXXX, the provisional credit will be reversed and your account will be debited in the amount of {$150.00}. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us ... '' I phoned Chime and spoke with a dispute intake representative ( ID # XXXX ), regarding the manner. I expressed confusion as to the " no error occurred '' language, as well as Chime 's decision to revoke the credit provided after an unauthorized transaction was reported. I noted that I had never had this type of issue when reporting unauthorized transactions to other banking authorities, and I shared that the reversal made me question the safety of banking with Chime in the future. I also asked for some clarity regarding an investigation process that could determine that there was no error involved in the theft of my funds. I also inquired into the process involved in rebutting Chime 's decision to side with the individuals that stole my funds, over the person who had been banking with them for the past two years. I requested written information on why the dispute was denied, and what the rebuttal process involves. I also requested to receive a call from a supervisor in the Investigations Department, to further help me understand the decision making process. The agent wrote down my concerns and shared that they would be forwarded to the Investigations Team. The agent expressed some empathy with my situation. Verbally, it was shared that in these instances, Chime members are sometimes asked to provide evidence that they did not travel to another country to make the unauthorized purchases. This evidence, it was shared, could be provided in the form of a screenshot of certain transactions during a window of time. I noted that as the banking institution, with access to my full transaction history, Chime already has this information. I expressed confusion as to how a screenshot could offer additional insight. I also noted that if I was the victim of a cybercrime, no one would need to physically be in another country for the theft to occur. In addition, I requested that this policy be forwarded my way by mail and email. I was told that I may not receive any follow up by phone or mail. Chime supervisors sometimes follow up via email, but the follow up is not guaranteed. I expressed concern about this policy, and how it seemed to indicate a lack of value in Chime customers. I shared my phone number and requested to be called, and noted that I would document any refusal to speak with me by phone regarding this matter. I also requested to know how long follow up might take. It was shared that this information is not provided to the Dispute Intake Team. The only information that could be confidently shared, was that some form of documentation might be sent my way within 10 days, and that some sort of resolution might be reached within 90 days. This experience will likely lead to the end of my relationship with Chime. After two years of business, this experience highlights how little the organization seems to value the individuals that trust the organization with the safe keeping of their money. I would not be disputing these charges if I had authorized the transactions. And I do not think that people should have to fight this hard to have money returned that was stolen from them.
11/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NH
  • 032XX
Web
NEW COMPLAINT : XXXX I HAVE SENT SEVERAL DISPUTES TO ALL 3 MAJOR CREDIT BUREAUS TO DELETE THIS INACCURATE AND FALSIFYING INFORMATION. IT IS NOT BEING HANDLED PROPERLY EVEN AFTER ALL THE SUPPORTING DOCUMENTATION I'VE PROVIDED AGAINST THIS COMPANY. THIS COMPANY KEEPS REPORTING THE SAME BALANCE BACK TO ALL 3 OF THEM. I HAVE REPORTED THIS COMPANY ONCE BEFORE TO YOU, I HAVE REPORTED IT TO THE ANTI-TRUST DIVIDION IN THE STATE OF NEW HAMPSHIRE ATTORNEY GENERAL. THIS COMPANY IS CAUSING ME MAJOR DAMAGES. ALL 3 OF MY CREDIT SCORES HAVE DECREASED OVER XXXX POINTS SINCE THE BALANCE REPORTED. THIS COMPANY TRIES TO CLAIM THAT OTHER COMPANIES ON MY REPORT COULD BE RESPONSIBILE. WHAT A LIE. THESE CREDIT SCORES DIDN'T DROP UNTIL YOU REPORTED A BALANCE. I HAVE A CREDIT MONITORING SOFTWARE WHICH EXPLAINS TO ME WHY MY SCORE DROPPED AND IT HAS TOLD ME REPEATEDLY BECAUSE OF THIS COMPANY. THIS COMPANY IS A LIAR. ITS DESPICABLE AND FOUL. ITS CAUSING ME SEVERE DAMAGES. I AM LOOKING BAD NOW TO LENDERS. I HAVE PRE APPLIED FOR CREDIT CARDS AND ALL HAVE BEEN DENIED. THIS COMPANIES LIES AND ILLEGAL ACTS ARE CAUSING ME FINANICAL HARDSHIP AND INSTIABILITY. THIS COMPANY NEEDS TO BE HELD ACCOUNTABLE!!! I HAVE SEVERAL MESSAGES FROM CHIME AGENTS SAYING THEY ARE LOOKING INTO IT, GOING TO CORRECT IT, SENDING IT TO ESCLATION TEAM, SENDING IT TO DISPUTE RESOLUTIONS TEAM. ALL OF THESE AGENTS HAVE SIGNED THEIR NAMES ON THESE MESSAGES AND NOTHING HAS BEEN DONE!!!! THIS COMPANY IS STALLING. IT DOESN'T WANT TO FIX MY LITERAL CONSUMER COMPLAINT. ITS UNPROFESSIONAL. THEY ARE TRYING NOT TO BE HELD LEGALLY LIABLE FOR THEIR ILLEGAL ACTIONS!!!! SOMEONE HAS TO INVESTIGATE THIS ISSUE AS SOON AS POSSIBLE AND START AN INSIDE INVESTIGATION INTO THIS COMPANY. NOT ONLY DOES IT LIE ON CREDIT REPORTS, IT ALSO FALSES ADVERTISES ABOUT ITS CREDIT BUILDING FEATURE. IT CLAIMS THAT YOUR CREDIT SCORE WILL INCREASE IN A FEW MONTHS YET MINE IS BEING DAMAGED BY YOUR INACCURATE AND FALSIFYING INFORMATION AND ILLEGAL ACTIONS VIOLATING FEDERAL LAW UNDER THE FEDERAL CREDIT REPORTING ACT??? Here are supporting documents for my Chime Finanical IncXXXXXXXX XXXX XXXX XXXX These documents include my account statements that are obviously saying I had money in my account before the end of the month in which Chime Finanical Inc. TOLD me they report negative balances on the XXXX of the month. It also shows that my payments are automatically taken out using the Chime Finanical Inc. FEATURE " Safe Credit Builder ' feature and I have included documents that prove that I have always had this feature enabled since I applied and received my secure visa credit card. Background - Chime Finanical Inc. is committing illegal acts by providing credit bureaus with inaccurate and falsifying information about balances owed on my credit report, a crime that violates federal laws under the Fair Credit Reporting Act. Chime Finanical Inc. keeps making excuses, sympathy comments, saying they'll fix it but then they send automated msgs stating that this information is accurate despite all my documentation but refuse to provide me with their supporting documentation? Obviously by what I upload it will be clear to you that all payments are up to date, no balances owed and automatic payments enabled. Secured Credit Card bank name : CHIME FINANCIAL/STRIDE BANK NA ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY XXXX CREDIT REPORT BY ALMOST XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY XXXX CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE XXXX BALANCES WERE REPORTED TO XXXX BY CHIME FINANCIAL AND STRIDE BANK NA WITHIN LESS THAN 2 WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO XXXX, THEY'RE ALSO REPORTING IT TO XXXX AND XXXX HERE IS A MESSAGE I SENT CHIME FINANCIAL VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. Chime has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my Chime account. This issue has caused my credit score to drop over XXXX points in XXXX weeks. I am very XXXX XXXX unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and Chime is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXX XXXX XXXX reviews, going to make a complaint to XXXX and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES
10/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MA
  • 023XX
Web
My dispute is with chime bank, and to provide all of the unauthorized transactions would take forever but all my other financial institutions and accounts have returned my money to me from these same people. Where can I send the rest of the screenshots because I keep having to start over due to low memory everytime I try to add more screenshots and I can only add one at a time, up to three then it resets. Dispute claim ID # XXXX # XXXX # XXXX # XXXX What more do you want from me? Can I please have the documents you've used before these people get away with this unscathed and get to keep all my money that I've never had my entire life. I don't understand how this is ok I submitted everything I could under the Chime chat but with only being able to provide ten screenshots per dispute What is that you want? How is it not enough that literally the cashtags of these people dissappeared afterwards and they haven't been active ever since I secured my phone and my chime account, I literally don't know what to provide you guys and you make it so difficult to prove my case with just ten screenshots and not being able to provide video. I wouldn't be disputing these charges over and over again if l they weren't unauthorized and fraudulent. I don't get how XXXX, XXXX, XXXX, and XXXX can all reverse the charges made to these people but chime can not. I literally provided receipts for transactions that I didn't authorize or send, I admitted to sending one transaction which is how this all started and when that wasn't enough I've been constantly targeted by the same group of individuals because they know that they'll get away with it. It's no coincidence that since my account has been secured the only transaction that has been done where the two on XXXX which I authorized, these I did not. Add this to the other transactions I've Disputed as fraudulent and they've taken over $ XXXX and for someone who's unemployed at the moment and has retired parents that's alot of money. If I'd been the one that authorized these flurry of transactions I wouldn't be continuously trying to prove my case. I literally wasn't even home like I said previously, and I've contacted XXXX support, XXXX support, chime support, and everyone that I could that would help me get my money back. But I can't unless chime is the one to initiate it, as time is running out and I keep trying to submit disputes with ten different screenshots at a time, it's literally becoming clear to me that chime isn't the place I thought it was neither do I really want to keep my funds in this account. I'm going to try to submit these unauthorized transactions and the additional information required to reverse these transactions one more time and if what I provide isn't enough I don't know what to do. I've already submitted a complaint to the CFPB and I wouldn't have to do that but literally how can I prove my case when the transactions alone probably take up 7-8 screenshots and then I send the rest to XXXX in an email and they say it's going to be elevated and added to my dispute/ rebuttal but I don't think it is, now granted this time you guys took a little more time than usual which was appreciated, but I don't get how all my financial institutions even my credit card with open sky can reverse all these transactions made to the same scammers accounts, I've literally lost so much money that now I don't have enough to fix my car and register/insure it for work I'm starting next week. If I authorized these transactions I wouldn't be wasting my valuable time trying to provide whatever it is that you guys need, but it doesn't seem like chime cares about the customer anymore as my disputes as shot down so fast but yet XXXX still has my dispute open from a month ago related to money stolen from my chime account. When someone has access to your teamviewer information and entire device, plus all your financial information that you stupidly unknowingly handed over by clicking on a link as well as providing the wrong OTP code because someone spoofed it. I can't keep going in circles and not even know what I'm typing anymore or of if makes any sense. I literally feel like I'm going to have a mental breakdown. So please from the bottom of my heart can you please take back my money from these people before they go on to target the next person, which they probably already have because they think they've gotten away with it, please show them they haven't and it's not ok to strike up a conversation offering something based off of false advertisements, and when the victim refuses to give in they resort to any means necessary. Thank you for your time. I will submit more documents but I just want it to submit before I lose it again. I tried to provide receipts of me shopping on the days in question I'm still looking for XXXX and XXXX of XXXX but I think I was with my family that day, XX/XX/2022 I was with my family and I included screenshot of my texts with my mother verifying that.
03/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MD
  • 20910
Web
I am in the middle of a dispute with my bank, Chime. On XX/XX/XXXX, my phone was stolen while shopping. Later, on XX/XX/XXXX in the early hours of the morning ( around XXXX ) the thief was able to access my device and bank account and fraudulently initiated a bank transfer for {$5000.00} using the pay anyone feature. I had never used my account to transfer money using that feature before, and had never once spent $ XXXX in one transaction in my 5 years with the bank. This is completely out of my normal spending pattern and should never have been allowed to go through, it should have been flagged as a transaction in the first place. At the same time, they also attempted to cash app themselves {$2500.00}, but that thankfully failed. So XXXX XXXX was able to identify that it was fraudulent and not let it go through but chime was not. The hacker also changed my address, username, and preferred name in my account immediately. I noticed right away and called chime around XXXX that day. I was on hold for almost 2 hours and transferred around from agent to agent all while the hacker has present access to my account. I am fortunate in that time they did not drain the entire account. The agents insisted they could not freeze my account and could not help me internally, the best I could do is lock my card from the app, even though the hacker had current access to my account. I was able to change my passwords and the thief was no longer able to access for the moment. Since then several more fraudulent transactions have been attempted but have failed since my card is locked, all of which I have uploaded to chime as proof for part of my dispute process. These attempted charges took place on XXXX, and the hacker attempted the purchase hacking equipment and have it shipped to an XXXX package hub for pick up. I immediately went to the XXXX XXXX police department that morning the theft occurred and filed a report, so both my stolen phone and fraudulent transactions have been reported and documented with law enforcement. All this documentation has been provided to Chime with the police report number and the police have even issued subpoenas to chime for information about the account the money was sent to. Chime told me I am not eligible for a temporary credit for 10 days and the dispute may take 45 days. The same day I opened the dispute and the fraud occurred on XX/XX/XXXX, the dispute was closed not even 5 hours later saying no error had occurred. There is no way a proper investigation considered all my documentation was performed during that time. I immediately appealed the decision and opened another rebuttal dispute the same day XX/XX/XXXX, and on XX/XX/XXXX chime again closed my dispute saying no error has occurred. This is despite an active police investigation with corroborating evidence from multiple witnesses and documentation. They are clearly not actually investigating this or looking at my documentation from the XXXX XXXX police, from apple, and from my phone carrier XXXX. I had to change all my password and freeze my credit as the police have told me they are investigating this as identity fraud as well. They have been completely unhelpful the entire time and are not protecting their customers, if anything they are assisting the hacker in committing fraud by doing nothing to make this right weeks later. They informed me the reason they believe no error took place is because 1 ) I had received a direct deposit that day ( from payroll like I get every two weeks ) 2 ) that the XXXX address and device was familiar ( of course it was, my phone was stolen and they were able to hack into it and access my accounts from my own device ) and 3 ) the transaction took place in Maryland, where I am from ( of course it did, my phone was stolen in Maryland ). 4 ) there were no failed log in attempts ( yes, because they had gained access to my passwords because they had my device ). It is obvious they are not looking into the details of my dispute otherwise they would not have made these claims. With a police report documenting everything, proof from XXXX that device was stolen, documentation from apple that my device was stolen, I dont know what else they need from me for me to prove this was an unauthorized transaction. I have asked what else they need from me, as I will be happy to provide it, but they will not tell me. They will not even give me the provisional credit while the investigation occurs, so I am now struggling financially due to missing {$5000.00} that was stolen from me. All I want is for them to actually investigate my dispute to discover there was an actual error and credit me my money back. Chime does obviously not protect their clients ( of over 5 years with no previous issues ) so as soon as this dispute is resolved I will be closing my account as I have transferred the rest of my money to XXXX, who actually protects their members.
12/18/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 11434
Web
I went to XXXXXXXX XXXX with my Chime bank card to withdraw {$400.00} on XX/XX/XXXX and the atm did not give me the money but took it out of my account. I contacted Chime bank and told them what happened immediately. They told me that I did not need to send them the receipt because the money will be reversed back into my account within XXXX business days. The next day XX/XX/XXXX I said it didn't sound right so I called Chime bank and asked them if I could send them my receipt..the representative told me I was supposed to sent it and I have to file a claim/dispute since the day it happened which was the day before. So I did. I sent it about 4 times while the representative was on the phone with me. He walked me through it all. I even got a confirmation emails saying that they received it. Later on that day XX/XX/XXXX I received multiple emails from Chime asking me to provide them with the receipt and to file a dispute. I called them and asked them what was going on because I already did that. They told me don't worry they claim is filed and in process and it's going to take about XXXX business days to receive my money back. That's when the problems started. I called back and asked for a manager/suoervisor ... when transferred a I spoke to a " manager '' and asked her why was I lied to about the money being reversed back into my account within XXXX business days..I said there has to be something you can do I have a sick child at home who needs her medication and due to COVID I am afraid to take her to the emergency room. I cried on the phone because I was frustrated and scared. She got back on the line and told me not to worry they fixed it and the money will be back in my account in few minutes because she took my account to the escalations department and to look out for an email with the confirmation number stating so. A few minutes passes ... nothing ... an hour..nothing so I called back to speak to a manager/supervisor again. The representative told me the lady I spoke to prior was indeed not a manager she was a regular customer service representative. That shook me because now I'm being lied to by a bank all around the board. This representative now transfers me to a manager who I asked are you sure and he said yes. When the " manager '' got on the line she told me I have to wait until XX/XX/XXXX to get Provisional credit. I was upset because I need my money. She kept being rude and talking over me when I was expressing my concerns. I asked her for her name and id number to identify the last person I spoke to the next time I call she said it pretty fast and I asked her to repeat herself respectfully. She told me she isn't allowed to give me that information due to security reasons. I told her I wasn't asking for her last name just first and employee id number that they give customers to identify them. She said it fast again burning caught it and wrote it down. I asked her before I ended the call is she is indeed a manager and she said yes. Her name is XXXX her id # XXXX. I then called back and asked the customer service representative if the person I last spoke to which is XXXX is a manager and he said no. You spoke to a regular customer service representative. Once again another lie. Now my concern has raised and I'm worried. Fast forward yesterday XX/XX/XXXX I called to get an update on my dispute. The customer service representative told me my claim was filed on XX/XX/XXXX. Invited it on XX/XX/XXXX. I told them that is wrong and why is everyone lying to me. I told them they have been havng serious issues with their service these past few months and I wasn't sure if I wanted to bank with them in the bear future if it continues. Well, later on that day ... I went to log into my account and I wasn't able to. I went to my email and they emailed me saying they closed my account and any remaining balance will be mailed to me by check in 30 days of the date my account was closed with no legit reason. I tried to call them to speak to someone and can not get through because you have to have an account with them to get through on the phone. I replied to the email asking why was my account closed and what happened with my dispute for the {$400.00}. They have different representatives emailing me back with typos in their response which shows they are not taking the time to even be professional going around my question not answering saying because of activities on my account. There is absolutely no fraudulent or weird activities on my account. None whatsoever. I works for the Federal government. I'm not that kind of person. I told them in email that they know there is nothing wrong with my account and where is my money. They are not responding. I need help XXXX. I want my money back ... its MY money. At this point they stole my money what are the steps I need to take because I believe this is a matter where I need to sue Chime bank
12/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NJ
  • 08054
Web
good afternoon, On XXXX on XX/XX/XXXX, I found the spew about a transaction with XXXX around XXXX XXXX at XXXX XXXX XXXX I received an e-mail deny my request chime head said that they received documentation from the merchant supporting that the transaction was not an error. After receiving that e-mail, I contacted customer support and filed a dispute about why the transaction was denied. I was told I would receive an e-mail explaining their decision and showing the evidence they used for their investigation or lack of investigation during the time of waiting I found three disputes on this transaction on this on their decision and all three got denied I finally received the documents about their investigation On XX/XX/2022. In the documents given to me it says in their own words we are unable to confirm the dispute transaction with the merchant, in this case you are liable to resolve the issue with them this is after. after stating some meat an e-mail that they had written document from the merchant stating that my transaction was ever which was a complete lie and if you did not have any contact with the merchant should not you waited the 90 days ( about 3 months ) for the investigation to fully go through to get a reply from the merchants before denying my request for a refund. After stating this information to support team via e-mail and disputing for the 4th 5th time I received yet another e-mail with a totally different investigation form which state is transactions details this is the history of that being credit activity on your account we reviewed this information to pattern of use multiple disputes were being made at the same dates together suggested that the person doing the transactions had full control of the account balances yes because I wasn't filing a dispute of a unauthorized transaction it was a transaction that was done by mistake by the merchants when I was at the store the merchant had puts in for a refund and I did not receive the refund as of yet which is why I did a dispute with you guys so to control the process of funds returning back to me phone number doesn't match with the intake number and the admin information I don't even know what that means because my number 's been the same and the merchant didn't give you e-mail once again I've the transaction happened in store now outside the store cash on cash of activity presents to fund these dispute transactions appears to be kidding funds between accounts and service to make these deposits and this part claims once again I did the transaction in the store it was an authorized transaction but I was overcharged and I was refunded at that moment and I and I'm constantly moving funds from XXXX XXXX to time so that's why there's always money moving from account to account which I don't understand why is any of your business anyways of what I'm doing with my account. Notice new user device if you notice a new user device when you think that would have been a sign of someone's using my account without my permission or a reason for you to call me to see if everything 's OK and why is I signed on to a different device which you didn't and answer that question I have two phones account balance is equal or to XXXX what does that mean this is the documents you still you submitted to me after submitting me the first Wednesday in that the merchant never contacted you and after I and after I replied to your e-mail I stated how wrong and confusing that that explanation was because you stated to me that you had proven documentation from the merchant which you did not have so you lied to me and delete my request without even getting a confirmation from the merchant beforehand 2 hours later you submitted me another investigation form which states the same thing as the original one did no contact with merchant and that's why the you denied my request how many of these forms would you send me investigating this dispute and every form has a different explanation of why is it that you deny my dispute it to me it seems like you contradicting yourself and constantly asking and constantly changing your answers to cover your mistakes I have spoken to representatives on the phone supervisors I got hung up on I had managers laughing at me while I was every angry and upset and I am disgusted at the way that this is being handled. I have stopped using this bank for over a year and now I understand why I stopped this is outrageous and unbelievable I have submitted multiple documents from the merchant I even supplied live chats with the merchant stating that this was all an unknown unknown necessary process and for me to contact the bank or financial institution for answers to where the money is there has not been a proper investigation done no one has contacted the merchant 2 clarify or provide information in in the transaction in question
02/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60169
Web
On XX/XX/XXXX, I received a deposit into my chime account from my employer in the amount of XXXX I paid my utility bill around XXXX CST and received notification via text ( I use this form of payment every mth ) At about XXXX XXXX CST, I received another notification that a purchase for transaction of XXXX ( XXXX ) ( Fashion XXXX XXXX to a merchant that I had not purchased anything from since XXXX XXXX ( in the amount of {$32.00}. ) I called immediately and notified Chime that someone had made an unauthorized purchase on my account. I was asked at that time if I wanted to cancel my card. I stated no because I needed to go take cash off of my card because I did not have any cash and a holiday weekend was coming up. The rep noticed that I had a Chime credit card and stated that I could have my monies transferred there. I agreed but had not activated the card ( I had received it XXXX mths prior ). I had the rep to hold so that I could look for the card but could not find it. Instead of continuing to hold.. he stated that he would cancel my card at XXXX the next day. I agreed because that would give me time to look for my credit card to transfer my money. No later than XXXX minutes after this call, I received another notification from Chime for {$200.00} ( Claim XXXX ), from Pretty Little Things. I called Chime again to report the unauthorize purchase. I even stated that " Someone is taking money from my card right before my eyes! I can not wait until XXXX, all of my money will be gone! ". I asked for my card to be closed out immediately and that a new card be shipped out along with a credit card because I never found that one also. In the meantime, I asked to dispute the charges. I could not file a claim at that time because the charges were pending. It took 2 days for it be a non - pending status and that is when I filed XXXX separate claims for the XXXX separate transactions. I was told that it could take up to 45 days or less. I was furious because I did not understand that Chime did not protect your money like a real bank. I told them the importance of me getting refunded my money because I was using that money to pay my mother, who lives XXXX miles away, life alert alarm. It was very important that I get my money back expeditiously. After waiting 5 days ( XX/XX/XXXX ) I received an email stating that a determination had been made and no error was found for both purchases. I requested another claim and sent in documents showing that I had not made the purchases and had not received any notification via email that these purchases were on their way or even happened at all. Side note : I set up a profile for all of the places that I shop. mainly to track my pkg. I always receive notification when the purchase has been received and shipped. I provided Chime with my emails from those dates with no correspondence between XXXX XXXX and Pretty Little Things. I even went to my profile and screenshot my entire purchase history for both sites. I sent all of my documentation in on XX/XX/XXXX. I received an email stating that it was being reviewed. It could 10 days. In the meantime I spoke to managers that stated that I may be eligible for a provisional credit after the 10 days. I asked what would keep me from getting a provisional credit. The manager stated that he saw that I have never disputed a claim before and that I had sent the documentation, which showed that I did not make the purchase. I got a reply back on XX/XX/XXXX, stating that they are reviewing my docs and the rebuttal process can take up to 45 days. I called customer service again asking about the provisional. They said that I would be eligible for a provisional credit on XXXX and to call back on that day. On XXXX, I spoke with a rep and she said she saw the provisional on my account and that it would hit my account that day I said, " It is XXXX. What time is today? '' XXXX stated that Chime is XXXX but it should hit by XXXX i asked was that XXXX CST, EST or PAC XXXX The rep stated that it was CST. I waited and there was no credit. I called back the next day and spoke with another rep, who stated that I was told the wrong info and that I would still have to wait 45 days to get a determination but he was going to submit a request for a provisional. I was like XXXX!! What are we doing here? He said this could take 3 days to get a determination. I expressed how I felt lied to and that I was never going to get my money back. I had read in the policy that I could as for a arbitrary hearing. the rep told me basically I had it when I filed the dispute. What????? Then he went on to say that they did not have anything like that. I reiterated that it is in your literature, your policy. the rep stated that he had no clue as to what I was talking about.
09/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 356XX
Web Servicemember
XXXX ( XXXX XXXX ) I've had Chime over 3 years if not 4 now and I'm having issues with them limiting my account and holding MY HARD EARNED FUNDS. They put " security measures '' on my account because I made ATM withdrawals ( Even though my DAILY ATM WITHDRAWAL limit was {$1500.00}, DAILY ) to purchases a car because I couldn't go inside a location to make a withdrawal. I got an email asking what I did with the {$7000.00} withdrawals in 60 days which was none of their business but I let them know I purchased a vehicle. Then they asked me the SOURCE of MY FUNDS when I CLEARY get DIRECT DEPOSIT! XXXX got another email saying my account was limited for " unusual activities '' I called and asked for a supervisor and after about an hour finally got XXXX she was very rude and unhelpful. After still not receiving an email from them on XXXX at XXXXXXXX XXXX. I called back and spoke with a XXXX ( not a supervisor but she should be! ) XXXX was more friendly and helpful than the supervisor even though she couldn't do much, she still typed up a support ticket for me # XXXX. My next step is lawful action. I will warn new comers when you try to email and call to get the issues resolved you only speak to XXXX in XXXX COUNTRY?? They keep telling me I can only email to get the issues resolved but no one is emailing me back and yall have almost 100s of Thousands of MY dollars and limited to {$100.00} a day now I can't access anything! I CAN'T PAY MY BILLS and NOW THEY'RE BEHIND! CHIME IS CAUSING MY FAMILY AND ME A LOT OF PAIN AND SUFFERING. If y'all need a bank account with NO FEES and LOCAL WHERE YOU CAN SPEAK TO someone FACE TO FACE. I HIGHLY RECOMMEND XXXX XXXX XXXX CLOSE TO HOME. RELEASE MY HARD EARNED MONEY CHIME! Sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am rejecting this response because : They've been saying they're reviewing my account since XXXX NOT XX/XX/XXXX. I called them on XXXX and I've sent them my passport card, insurance, and lots of screenshots.This company has suspended my account holding MY HARD earned funds I'm behind on bills I haven't been able to purchase FOOD nor GAS. They said it's suspended because I would put money in ( from MY SAVINGS ) and take it out. XXXX forbid I move money out savings and withdraw it from the ATM when my DAILY, get this DAILY ATM WITHDRAWAL LIMIT is {$1500.00}. They're asking the SOURCE of MY and I get DIRECT DEPOSIT. I sent another email and called them XXXX, and was told it by a supervisor, XXXX XXXX that I can only wait for an email when I said I would travel to a location to get this resolved FACE TO FACE with someone but she told me that wasn't possible even if I traveled to a location things would still have to be handled over the phone! This company needs to wire ALL MY FUNDS/MONEY in checking and savings to my new local XXXX XXXX XXXX account as soon as possible so if any issues about MY HARD EARNED FUNDS/money comes up I can speak to an actual bank manager FACE TO FACE. Sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am rejecting this response because : They've been telling me to email them for over 2 WEEKS now. Investigate what? Me using MY OWN money?! I've emailed them SEVERAL times and they don't get back to me. Its been OVER 2 WEEKS. MY BILLS ARE BEHIND. MY BILLS ARE BEHIND. MYBILLS ARE BEHIND. If they, CHIME, would get back to me and others like they get back y'all, XXXX, we wouldn't have these issues right now. I've been lenient and patient with Chime Financial , Inc. Chime Financial , Inc has cause myself and my family a lot of pain and suffering because they're hold my money and I can't pay my bills and they are behind. My patience and leniency has ran out. If this issue isn't resolved as soon as possible I will be contacting the Security Exchange Commission, Federal Trade Commission, and the Consumer Financial Protection Bureau ( Now that I think about it I should have contacted the CFPB FIRST, I will do that after I finish here! ) MY next step is to send an INTENT to SUE documents to Chime Financial , Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been dealing with this issues for over 2 weeks. I couldn't do anything for my daughter on her birthday, XXXX, I'm behind on bills and this company is holding ALL MY MONEY in my checking and savings account, I have over {$74000.00} they are holding all of MY HARD EARNED MONEY and I've sent Identification, insurance documents, and screenshots. I don't know what else to do about MY OWN HARD EARNED MONEY but sue this company for a lot of PAIN and SUFFERING. RELEASE MY AND OTHERS HARD EARNED FUNDS CHIME FINANCIAL, INC! ESPECIALLY OUR VETS! I CAN'T EVEN MY FAMILY FOOD!!! RELEASE OUR MONEY CHIME FINANCIAL, INC!
09/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • XXXXX
Web
On XX/XX/23 at XXXXI received an email from Chime : Account On Hold Hi XXXX XXXX , Chime has identified unusual activity relating to your account ( s ). A hold has been placed on your account ( s ) until we can verify this activity. Please see below for further details and instructions on how to submit an appeal to this hold. What Happened During routine monitoring of accounts on Chimes platform, we identified some unusual activity regarding the amount and/or origin of certain funds which have been deposited to your Chime account. What We Did A hold has been placed on your account. How This Affects You This hold will remain in place until the origin of the funds deposited can be verified. Unfortunately, you will be unable to use your Chime XXXX XXXX card or sign in to your account on the Chime website or mobile app during this time. What Is Needed From You To submit an appeal to lift the hold on your account, please provide the following items for verification : Identity verification documents Your primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a copy of both the front and the back of your ID. Proof of Address ( such as a utility bill ) Written explanation Explanation for the origin and intended purpose of any cash funds recently deposited to your Chime Checking Account Explanation for the origin and intended purpose of any funds recently deposited to your Chime Checking Account via third-party cash transfer apps ( such as XXXX, XXXX XXXX, XXXX XXXX , XXXX, etc. ) Explanation for any other unusual deposits to your Chime Checking Account that you may have received As much documentation as is available and applicable to support your explanation Some items which may verify the origin of funds loaded to your account : Receipts, invoices, paystubs, work orders, bank/earning statements, etc. Some items which may verify the path of funds from their origin to your Chime account : Bank transfer statements, withdrawal statements, receipts for cashed checks, etc. Expected Timeline for Appeal Review of your appeal will typically be completed within two business days of receiving all verification items. An update will be provided on your account status once this review is complete. Please note : Additional items may be requested after initial review if your appeal does not sufficiently explain the unusual activity in question. The timeline is typically extended by one to two business days for each additional submission. How to Contact Us Please reply directly to this message and attach the requested items. All documents must be sent in JPG, JPEG, or PDF format ( we do not accept PNG or other document formats ). If you need clarification on the requested items above, or assistance in submitting your documents in the correct format, please let us know and we will be happy to assist you. Sincerely, The Chime Team XX/XX/2023 at XXXX I responded to the email : Good Morning, I have attached my drivers license. I recently moved and do not have a utility bill yet, a screenshot of proof of my account is included. I added my debit card yesterday. I had to change the address in Chime from where I moved to where the address is for my bank account. It did not allow me to transfer {$540.00} or even {$500.00} from my debit card so I added my bank account. My daughter attempted to deposit her check into her Chime account several times and it kept rejecting it. I deposited it into my XXXX account and sent her the money she was owed from my Chime account. I wanted to transfer the money I gave her from my XXXX account back to my Chime account so that it would be back in that account. The amount is {$540.00} that was being transferred. I kept getting automated emails after that : Hi, We got in touch yesterday to check if you had a chance to review the latest update from our team. We haven't heard back so we're going to go ahead and close your request for now. We hope your issue was resolved, but, if not, simply reply to this email within the next few days and we'll reopen your ticket automatically! Thanks for chiming in! Long story short, Chime has refused to issue the money I had in my account. I have all of the notes documented in my phone along with screenshots of each time I contacted customer support. I have a chain of emails in a Chime folder in my email to back all of this. The is no person you can talk to over the phone on the escalation team. You just have to wait for an email within 24hrs. Why are they entitled to keep anyones money? I could care less about the account. I wont ever bank with them again and definitely wont recommend them to anyone.
09/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 75126
Web
I did a dispute claim on XX/XX/2023, on unauthorized charges to my bank account online in the Chime app. I received a case number # XXXX online bank app only did 4 transaction dispute and not the whole XXXX unauthorized charges. I contacted Chime on XX/XX/2023 to see why all unauthorized transactions were not submitted on XX/XX/2023. A agent that worked for chime was able to take the disputes that did not get submitted on XX/XX/2023 and make a new dispute case for a total of XXXX unauthorized transactions in the amount of {$3600.00}. The male agent gave me a second dispute claim which was # XXXX. I got off the phone with the Chime agent and looked in the Chime app to view my dispute cases, and not even 10 minutes from getting off the phone from Chime, my claim for XXXX unauthorized charges were denied instantly. Chime denied the dispute without doing a thorough investigation. Chime didn't even give my claim # XXXX 24 hours to do any investigation. I immediately called back and got a female Agent and told her that Chime is not following the Electronic Funds Transfer Act. The agent reopened my case and resubmitted my dispute again on XX/XX/2023 for the amount of {$3600.00}. I asked the agent why my dispute got denied within XXXX minutes of submitting, but my other claim by same merchant for {$94.00} was still pending and I also received a temporary provisional credit. I explained that this didn't make sense to have one dispute claim pending by the same merchant but deny my second claim, when it's all by the same merchant. The agent claimed she would send me documents on how they relied on making their determination for their dispute to my email but will also reopen my dispute case for {$3600.00}. My first 4 dispute transactions were still processing, and I was given a provisional credit for the amount of {$94.00} on XX/XX/2023. On XX/XX/2023 I received a second denial by email claiming my dispute for {$3600.00} was denied by Chime bank. I called Chime and requested that the claim be reopened. The agent reopened and resubmitted my claim for the amount of {$3600.00} for the second time. I was told again I would receive documentation on how they came to their decision. I sent in my evidence on both claims by the same merchant in the app and by email to Chime. I received a 3rd denial on dispute claim for {$3600.00} by Chime through my email XX/XX/2023. I sent Chime support an email stating I wasn't satisfied with their decision, and wanted claim reopened and investigated. I received an automated email, but nothing from Chime Support on reopening the case. I received a denial for dispute for {$94.00} by Chime through my email on XX/XX/2023. I followed up with Chime by phone on XX/XX/2023, on my denial by email about reopening the case for the amount of {$3600.00} and the other dispute for {$94.00}. The agent claimed to reopen both cases. I complained to agent on how unsatisfied I was with their investigation and was told again I would receive documents on how they came up with their decision. I've sent Chime all the evidence I could to prove I wasn't responsible for these transactions but feel Chime did not take the time to investigate my dispute claim. On XX/XX/2023 I received a email for their decision on how they did the investigation, and there wasn't any valid reason or proof from Chime or merchant on why my claim was denied. The 3 emails that were sent with documents of their decision by email came with a copy of dispute transactions and an intake sheet with no explanation of how they came to their decision to deny my claims. Chime did not show any proof on how and why they denied my dispute. They even attached a document that was sent by another customer. They also claimed that I didn't have any supporting documents, when I did send them a screen shot email of the merchant giving me the run around about unauthorized transactions, and later claiming I would be refunded for the errors made, but merchant hasn't refunded the money as of yet. I thought I could trust Chime in handling this but have researched online and found that other consumers are having the same issue with Chime not investigating disputes and denying disputes with evidence. I have no idea if Chime could be keeping the money from denied disputes, but this is some of the online claims being made by other consumers. There seems to be a major issue with Chime constantly denying valid dispute claims, along with closing accounts unexpectedly for no reason. I'm stressed out and tired of getting the runaround from Chime and the merchant. I no longer feel safe with Chime handling my money. This is the reason of my complaint being made.
05/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 92376
Web
On Saturday XX/XX/XXXX at approx. XXXX I received a text message notification from CHIME : Did you try to use you Chime card ending **** for {$53.00} at " XXXX XXXX XXXX & XXXX XXXX '' reply YES or NO. I immediately replied to the text NO. Another notification came at XXXX, for the same amount and again I replied NO, then at XXXX I received another text asking if I attempted to use my card at the same place but for the amount of {$49.00}, once again I immediately replied NO and at that point I logged into my banking app and discovered my Funds had been depleted. I only had {$5.00}, I checked the transactions and there were XXXX unauthorized transactions that were made. I immediately called the customer service number at XXXX and I spoke with XXXX, she closed the card and had another reissued, and she opened a dispute and said I needed to submit information to prove i did not make the transactions, she told me that the investigation department would do a thorough investigation and process my dispute within a time frame of at least 10 days, she said the funds could not be refunded until the investigation was complete. She suggested I have a police report filed. On Monday XX/XX/XXXX at XXXX I received an email from Chime member Services stating " 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 '' it went on to say, " you may request a copy of the documents we used in determining the outcome of the investigation ''. I went ahead and requested the mention documents. One reason ( s ) given on this document was There were no evidence of change in personal identification and no charges were found during the disputed timeframe. '' and I went to my local PD and had a report filed ( as the chime rep XXXX suggested ) I then called Chime Member Services back and requested that my dispute be reopened and reinvestigated ( spoke with a XXXX XXXX XXXX he insisted that these charges are not fraud and that the investigation team had already done their investigation, again I insisted that my dispute be reopened. he said I needed to provide " new information '' I asked for specific details as to what kind of " New Information '' he said he could not give specifics just that they would need new information. He repeatedly said " New information '' without providing any clue as to what I need to submit. At this point I began to call the merchants that were used, I managed to obtain shipping addresses used, and cancel the transactions. I learned that the person who stole my funds is located in XXXX, TEXAS. I googled the address to the merchant/ transactions I denied ( XXXX XXXX ) address this location is XXXX mins away from the address that was provided to me by another merchant ( this was the ship to address used ) I went on to provide my location at the time of the transactions, I provided the confirmation of cancellation of two of the merchants, all which was emailed to XXXX. My disputes continued to be denied, after I provided all the information and documentation. on XX/XX/XXXX I called Chime member services- the rep claimed my dispute was reopened and being investigated by the investigation department. He said that if my dispute was not resolved by XX/XX/XXXX that a " possible credit '' could be issued until the investigation was completed. On XXXX I received another Dispute denial letter ( email ) I called Chime member services again, I spoke with XXXX who transferred me to his XXXX XXXX XXXX XXXX advised that my disputes have been completely closed and that I could not reopen unless I could provide " New information '' and again he could not tell me specifically what information they needed. I asked to speak with someone above him and he said he was the highest level of XXXX that could be reached by phone, I asked to be transferred to the XXXX department and he could not do that because there is NO CONTACT INFORMATION AVAILABLE to him or me for this team, I asked for a corporate phone number and he said the number i had been calling was the ONLY PHONE NUMBER, that this was the corporate line. He said there was nothing that he could do to help me, nobody else that could help me only the investigation team can decide the results of my dispute and based on their evidence and the " lack of proof '' I provided my dispute was finalized and funds will not be returned. I asked XXXX to send me all the document used to determine my result, he said it could take 10 days. I told him that I received the last requested document for 1 transaction and received it the very next day. I have not received them.
09/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • GA
  • 301XX
Web
I purchased a handbag from a XXXX seller using XXXX. The invoiced amount was {$2400.00} that was made in 4 separate transactions. XX/XX/2022 - {$480.00} ( transaction ID XXXX ) XX/XX/2022 - {$380.00} ( transaction ID XXXX ) XX/XX/2022 - {$100.00} ( transaction ID XXXX ) XX/XX/2022 - {$1400.00} ( transaction ID XXXX ) After receiving the bag, I paid for an authentication service and they determined the bag was a replica/counterfeit. The XXXX seller blocked me and I could not contact her. I initiated a XXXX claim on XX/XX/2022. I submitted proof that the seller advertised the bag as being authentic and our XXXX messages where she verbally confirmed it was authentic. I also submitted proof that the XXXX seller blocked me so I could not contact her prior to filing the claim. I also informed XXXX that I was on a cruise with virtually no internet access. Due to not having internet access, I was unable to respond in the allotted claim time frame and XXXX closed the claim and sided with the XXXX seller. On XX/XX/XXXX, I filed a dispute with my financial institution, Chime. Claim ID : XXXX Claim amount : {$2400.00}. On XX/XX/XXXX, Chime informed me that based on their investigation, no error occurred and the claim is considered closed. This same day, I requested the documents used in their investigation. On XX/XX/XXXX, they provided me with a one page document that included a paragraph stating that the merchant responded that the buyer did not reach out prior to filing the claim. The buyer did not ask question or request additional info, and the bag is in almost new condition. None of the documents I provided to Chime were used in the investigation. On XX/XX/XXXX, I requested a rebuttal for the claim to be reopened. On XX/XX/XXXX, Chime concluded no new documents with additional info were provided and they stand by their initial decision. On XX/XX/XXXX, I requested a rebuttal for the claim to be reopened. I provided Chime with a XXXX page detailed document that included ALL the information relevant to the case as well as a police report with the XXXX Police Department ( the XXXX sellers local county ), and a complaint filed with the Georgia Department of Laws Consumer Protection Office. On XX/XX/XXXX, Chime concluded no new documents with additional info that was relevant to the case were provided and they stand by their initial decision. This same day, I requested the documents in their investigation. On XX/XX/XXXX, I requested the documents used in the investigation and asked for a rebuttal for the claim to be reopened. XXXX hours later, Chime informed me they investigated and again found no information relevant to the case and no error occurred so they stand by their initial decision. On XX/XX/XXXX, the XXXX seller emailed me stating that she would refund me for the invoiced amount ( {$2400.00} ) if I returned the merchandise to her. On XX/XX/XXXX, she confirmed her mailing address. On XX/XX/XXXX, I mailed the item to the XXXX sellers address. It was shipped using XXXX ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, the item was delivered to the seller. On XX/XX/XXXX, she stated a refund would be processed the next day. On XX/XX/XXXX, I asked the XXXX seller for a transaction ID associated with the refund or a confirmation number. She did not provide this to me. Later that evening, the XXXX seller contacted me stating that XXXX informed her that because I filed a dispute with my financial institution, I needed to contact Chime. At XXXX XXXX, I called Chime to inquire if a refund was being processed. They stated there was no refund being processed or initiated. At XXXX XXXX, I conference called the XXXX seller on the call with Chime so they could confirm with her that a refund was not processed or initiated. At XXXX XXXX, the XXXX seller stated she attempted to initiate a refund for the invoiced amount. She provided me with a screen shot of an error message from XXXX stating can not issue a refund on this transaction as buyer has already filed a chargeback on it. I contacted XXXX and they informed me they werent able to do anything on their end because a dispute was opened with my bank, and Chime took over this transaction at that point due to them being the higher hierarchy. Again, I reached out to Chime to inform them of this. I was told by a Chime rep that the investigation team handles this and that I could not speak with them, they can only be contacted by a Chime rep submitting a form over to them. I have called them several times and they refuse to provide me with any assistance regarding a refund. I keep being told there is nothing they can do.
05/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • XXXXX
Web
I sent my domestic partner, XXXX XXXX, to the XXXX XXXX branch ATM located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX on the morning of Monday, XX/XX/2023 with my XXXX debit card to withdraw {$1900.00} from my Chime checking account. The ATM could only dispense a maximum of {$800.00} per transaction, so XXXX planned to withdraw the {$1900.00} by making two separate {$800.00} withdrawals and one {$300.00} withdrawal. The two {$800.00} withdrawals were completed and dispensed just fine. When XXXX tried to withdraw {$300.00} at XXXX XXXX, however, the ATM said it was processing the transaction and made sounds like it was counting or dispensing the cash, but then the ATM said " This transaction could not be processed. The transaction has been cancelled. Would you like another transaction? '' XXXX selected " yes '' and made a second attempt at XXXXXXXX XXXX. to withdraw {$300.00}, at which time the ATM did the same exact thing : the ATM said it was processing the transaction, made sounds like it was dispensing or counting the cash, and then said " This transaction could not be processed. The transaction has been cancelled. Would you like another transaction? '' This time XXXX selected " No '' and drove away from the ATM because another person was waiting to use it and she realized the ATM was not going to process the transaction. XXXX called me at XXXX XXXX and I informed her that my Chime banking app was showing two pending transactions for {$800.00} each ( {$800.00} plus ATM fees ) and ONE pending transaction for {$300.00} ( {$300.00} plus ATM fees, which is one of the two transactions the ATM said were cancelled ). After speaking to me, XXXX called the XXXX XXXX branch of XXXX XXXX at XXXX XXXX and spoke to XXXX. After XXXX explained what happened less than 10 minutes beforehand, XXXX said they'd try to re-balance the ATM and asked for XXXX 's contact information. XXXX gave XXXX my name and contact information since this involved my debit card and checking account and XXXX said someone would reach out to me. At XXXX XXXX XXXX called XXXX back and she told XXXX that her supervisor said I would have to dispute the transaction with my bank and to hold onto the receipt from the ATM. When XXXX told her the ATM didn't give her a receipt because it said the transactions were cancelled, XXXX put XXXX on hold while she spoke with her supervisor again and then XXXX came back and told XXXX that her supervisor said the ATM would just credit the money back into my checking account since the transactions were cancelled and the pending transaction for {$300.00} was just a temporary hold. Today, Thursday, XX/XX/2023, I discovered the pending transaction for {$300.00} has now fully processed and appears on my statement as a completed withdrawal for {$300.00} ( from XX/XX/2023 at XXXXXXXX XXXX ). Additionally, my statement now shows a second completed withdrawal for {$300.00} ( from XX/XX/2023 at XXXXXXXX XXXX. ), which was the second attempted withdrawal that the ATM said could not be processed and said it cancelled. That second withdrawal never appeared on my statement as a pending transaction, however ; it only appeared in my completed transactions after it had fully processed. After seeing that both attempted withdrawals were now showing up as completed transactions ( and the pending transaction was not merely a hold that the ATM was going to credit back like the XXXX XXXX supervisor said it would ), I called XXXX XXXX today, XX/XX/2023 at XXXXXXXX XXXX and spoke to XXXX. I explained all of the above to XXXX and I told her I was filing a dispute with Chime. Since the ATM did not give my partner a receipt for the cancelled transactions, I requested something in writing from XXXX XXXX to aid me in my dispute, stating the two {$300.00} withdrawals could not be processed and no cash was dispensed because both transactions were cancelled by the ATM. XXXX told me she could not give me anything in writing, but she said Chime would be able to reach out once I disputed those transactions, at which time XXXX XXXX would be able to verify that those transactions were cancelled by the ATM and no cash was dispensed. I have since filed a dispute with Chime regarding the two unauthorized transactions. I was informed it would take at least 10 business days to investigate and I might be given a provisional credit depending on the information they receive from XXXX XXXX. While I await the results of Chime 's investigation, I would like to file a formal complaint against Chime for allowing cancelled transactions to be debited from my account in the first place. This is inexcusable.
10/28/2020 No
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IN
  • 46307
Web
On XX/XX/XXXX XXXX XXXX charged my Chime checking account {$920.00}. This was a very unusual charge because during my 2 years of service I have never paid more then {$250.00} for anything from XXXX XXXX. I contacted my bank immediately and was told I had to wait on the pending charges to post to the account. I then called XXXX XXXX to see why I was being charged this amount and I was told at the time that there wasn't a charge for this amount and could not be located in their system. On XX/XX/XXXX I seen the charge had finally posted to my account and I contacted the bank immediately and filed a unauthorized charge dispute. Later that evening I seen I had received a message from chime date XX/XX/XXXX saying the bank had investigated my claim and found no error occurred. On XX/XX/XXXX I contacted chime and asked how did they come to this decision and I was told by claims department manager XXXX and he told me it was because his department had spoke to XXXX XXXX and they said the charges were mines. I told XXXX that wasn't true at all and I provided proof that the charges weren't done by me and weren't on my account. XXXX then told me that with the information I had brought to his attention He we would request a rebuttal. I found it extremely concerning that Chime would make a decision on an issue without even looking at the information provided which included conversation transcripts between me and XXXX in which XXXX XXXX states there are no such charges on my account and also no charges owed of that amount. I asked XXXX to please provide me with information used to make its decision because I would like to bring it to the fraud department at XXXX to get answers into why these thing were said. XXXX told me I would have to wait 10 days to receive this information from chime and it would come by email. at this time our call ended. On XX/XX/XXXX I contacted XXXX about the conversation had between them and chime and I was told by XXXX that no such conversation existed and isn't protocol of how they handle matters of such. XXXX then went on to actually put a ticket in for the matter because he found that my debit card on my account was used on another account not associated with mines and had seen back in XXXX - XXXX and transaction very similar happened and was also unauthorized and reversed by my bank. XXXX gave my a ticket number XXXX and told me I should forward this information to my bank and It would settle the matter. I forwarded that information over to chime immediately on XX/XX/XXXX at XXXX XXXX cst. After XXXX issued the ticket he transferred me over to the fraud department where I spoke to a rep who further investigated the matter and hunted down where my card was used without my authorization and found wrong down and immediately opened up an investigation into the account using my debit card. He also called Chime bank on XX/XX/XXXX with me on the phone and provided them with the details in which chime only response was to send them the ticket number and they would investigate. Which I did on XX/XX/XXXX at approximately XXXX cst via email. with all the information provided on XX/XX/XXXX at XXXX cst chime emailed me and said that they looked into the information but it didn't change their decision. I found that to be extremely disturbing when a merchant is saying that the charges are fraudulently and should be reversed but Chime is refusing to do so just because. On XX/XX/XXXX I received a copy of chimes findings and how they claim to its original decision to decline my claim. Chime reached its decision based on the fact that I have services with XXXX XXXX which is deducted from account monthly. This is absolutely wrong and several ways. Chime told me that its reached its decision based on a conversation with a merchant. Which isn't at all stated in its report sent over to me. Also the method Chime used in its investigation makes no sense, how could you ignore indisputable evidence of wrong doing just by saying I have service with the merchant in question when in 2 years there has never been a charge to any merchant done by auto pay that exceeded the amount of XXXX except for one time when a charge of XXXX posted to my account from XXXX XXXX in which was found to be a fraudulent charge and reversed by XXXX and chime. Chime has fail to uphold consumer protection rules and regulations by not conducting a full investigate into the matter. Chime also has multiple class action suit against for this very same matter and has a history of mishandling claims and bending rules and regulations to deny consumers their rights.
10/16/2023 Yes
  • Prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • OH
  • 43206
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was reviewing my account sheet for my Chime, an operational partner of XXXX XXXX XXXX, account and I immediately noticed a series of transactions that I did not recognize and that were suspicious. This series of transactions were nine ( 9 ) in total and completed between XXXX XXXX XXXX XXXX XXXX The merchant was identical on all nine transactions. It appears that the merchant is a user on the XXXX platform. The amount of said transactions varied between XXXX XXXX XXXX$100.00}. Upon further review of said transactions I determined that I did not initiate, complete, authorize, benefit in anyway from said transactions. Furthermore, I did not authorize anyone else to act on my behalf or on their own accord to initiate or complete said transactions. Lastly, I have no knowledge of the person or party who did initiate and complete said transactions. It should be noted that as soon as I discovered the fraudulent transactions, I immediately called Chime, an operational partner of XXXX XXXX XXXXXXXX, to report such occurrences. I also reported to Chime, an operational partner of XXXX XXXX XXXX, that my card had NOT been lost or stolen. I did report to Chime, an operational partner of XXXX XXXX XXXXXXXX, that on XXXX XXXX XXXX that my cell phone had been stolen. In response to my alert, Chime, an operational partner of XXXX XXXX XXXX opened the following three disputes/ cases : XXXX XXXX XXXX XXXX They thoroughly explained the dispute process and assured me that every effort would be made in any investigation they undertook. The said phone conversation took place on XXXX XXXX XXXX and the aforementioned disputes were opened, filed, and pending investigation. IN LESS THAN 24 HOURS ALL NINE ( 9 ) DISPUTES WERE DETERMINED AND THEREFORE CLOSED OUT. Eight ( 8 ) were determined that no error had occurred and one ( 1 ) was determined as a fraudulent transaction. The Bank Act and Reg E affords certain protections for consumers. Chime, an operational partner of XXXX XXXX XXXX has not availed me to such protections. First and foremost under said federal law my liability for such an occurrence should have been nothing. I should have not incurred any expenses for said transactions. If an unauthorized withdrawal appears on your bank statement, but you did not lose your card, security code, or PIN or had any of them stolen, you should notify your bank or credit union right away. At the latest, you must notify your bank within 60 days after your bank or credit union sends your statement showing the unauthorized transaction. If you wait longer, you could have to pay the full amount of any transactions that occurred after the 60-day period and before you notify your bank. To hold you responsible for those transactions, your bank would have to show that if you notified them before the end of the 60-day period, the transactions would not have occurred. In unusual circumstances, like lengthy travel or hospitalization that keeps you from notifying the bank within the time allowed, the notification periods above must be extended. ( How do I get my money back after I discover an unauthorized transaction or money missing from my bank account? | Consumer Financial Protection Bureau ( consumerfinance.gov ) ) My continued inquiry into this matter with Chime, an operational partner of XXXX XXXX XXXXXXXX, has been further in questioning the good faith effort made by Chime, an operational partner of XXXX XXXX XXXX, in investigating said claim. I am questioning the good faith effort actually made due to the following observations : 1. Length of Investigation : The total length of time that said investigation was actually open was less than 48 hours. Even in the automated world with varying parties involved no investigation could reasonably be open such a short amount of time, 2. Investigation Efforts/ Materials : The only materials that Chime, an operational partner of XXXX XXXX XXXX collected in the investigation was the intake form that I completed/ answered. Furthermore, this was the only materials that were used in the determination of the claim. Therefore, the determination was based upon was my 5 question " intake form ''. 3. Determination Inconsistencies : 9 fraudulent charges were reported to your organization. All with the same facts and surrounding circumstances. 1 was approved 8 were denied. There seems to be no logic or reasoning behind this.
12/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • XXXXX
Web
My Chime bank account has been suspended and I have no access to my primary source of income, totaling ~ {$7200.00}. I have already defaulted on my car payment and will be in default of my student loan payment within the next day or so. This is my money and I have been a member of this bank since XXXX without incident and am being separated from my livelihood without clear or just cause. I am requesting access to my checking account funds immediately. On XX/XX/XXXX I rececieved a message from the email address XXXX stating, During a routine monitoring of your account, we identified some activity in need of verification. Please see below for details of what is needed from you : Please name your employer or source of income Please explain the source of the deposits totaling {$18000.00} sent to your account between XX/XX/XXXX and XX/XX/XXXX. Being a member of Chime bank since XXXX and having never received an email from this email address I thought this could potentially be an attempt at phishing from a hacker. On XX/XX/XXXX I decided to call the phone number on the back of the Chime card, XXXX to investigate whether or not this was a legitimate email. I was told by the representative that it was indeed legitimate. In XX/XX/XXXX I answered the questions asked in the original email detailed above. On XX/XX/XXXX I received another email stating Im afraid we have not yet received sufficient documentation to verify recent activity on your account and requesting even more personal information. Please provide : * If funds came from regular employment income, documents such as pay stubs, W2s, or 1040 personal tax returns may qualify and threatening If we are unable to verify the requested information, your account may be subject to suspension/closure. Given the personal nature of the information being requested via email and the fact that I had never before received an email from Chime like this or from that email address before, I was suspicious. So on the XX/XX/XXXX I asked them for exact details as to what they were asking for and why. In their response on XX/XX/XXXX, they indicated that they wanted the same information as they had in the previous email and gave this for rationale, Policy requires us to understand our members ' incomes. Since you recently deposited approximately {$18000.00} into your account between XX/XX/XXXX and XX/XX/XXXX, we are requesting documentation to help us verify this activity. Our records appear to indicate that these deposits primarily came from XXXX XXXX and XXXX. Once again, finding this request for personal information sent through email disconcerting and suspicious I called the phone number on the back of my Chime card. This time when I spoke to the Chime representative I was told to ignore these emails and mark them as spam. Also on XX/XX/XXXX I sent a separate email to XXXX having found this email on their website, specifically asking, Hi Chime Support, I am getting emails from XXXX asking for W2s, paystubs, and other forms of verification due to routine monitoring of my account. Is this a legitimate email?. I received a confusing response that I interpreted as telling me to ignore these emails Note : If you do not recognize these emails, please avoid them, and also as a friendly reminder you can update your info to protect from them! On XX/XX/XXXX, my Chime bank account was suspended without clear explanation as to why they were suspending it. The only explanations were routine monitoring and policy. I have lost access to ~ {$7200.00} and have already defaulted on my car payment and am due to make a student loan payment in a day or so through direct debit which will likely default. As it stands now, I have been forced to send personal information over email in order to regain access to my funds. I have sent Chime pictures of bills with my address, paystubs, bank statements from other banks, a picture of my state license both front and back AND a picture of me holding my license. My account remains suspended with no clear timeline for IF or when I will regain access to my funds. This practice is confusing and unfair and having called Chime banks customer service number 4 times on XX/XX/XXXX alone, I left these conversations feeling the opposite of assured. Their representatives are not empowered by the company to help. I feel punished and helpless at the hands of Chime bank and have no recourse. Please help me regain access to my funds as soon as possible. Thank you, XXXX XXXX XXXX
10/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27804
Web
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You { CHIME BANK } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { CHIME BANK } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1. PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { CHIME BANK } are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1. PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. 1.CHIME BANK ( ACCOUNT # XXXX ) Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
05/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 90710
Web
On Friday XX/XX/XXXX, I woke up from a nap. I checked my account balance on the Chime XXXX and immediately I noticed there was a large amount of money missing from my Chime XXXX XXXX account. I viewed my transactions and there were two unusual transactions listed. One was a withdrawal for {$400.00} and the second transaction was a withdrawal for {$80.00}. The XXXX listed those withdrawals took place at XXXX earlier that evening. I then moved the rest of my money to my savings account knowing something was wrong. I checked my wallet and saw I still had all of my cards in my possession. I then called Chime at XXXX on XXXX. XXXX to report the fraudulent activity on my account. ( Please view the attached proof on timing of call ) After being transferred to the dispute team, I spoke with an associate on the dispute team. I explained to the dispute team member, that the two most recent transactions posted on my account were not done by me and the given amount is now missing. The dispute team member told me he would assist by closing out the credit builder card and sending me another one. I told the dispute team member my card is not stolen, as I had it in my hand during the call. The dispute team member stated this was their protocol and insisted on sending out another XXXX XXXX card. The individual asked if I needed anything else, as it seemed he was about to end the call. I then asked the dispute team member what about my missing funds and reimbursement on this issue? I explained to the team member that this is my rent money that is missing and its a very serious issue. ( Being that its the XXXX of XXXX and rent is due on the XXXX of XXXX ) The dispute team member stated he would open an investigation on this matter that would take approximately 5 business days to handle. As frustrating as it was hearing that, being that rent is due on the first, all I could do at this point is wait until they contacted me after the investigation. After the call, I checked the listed transactions on the Chime XXXX and the charges were still shown as pending. I kept an eye on that expecting to see it be canceled at some point. On XX/XX/XXXX, I saw the transactions were still cleared with an attached address of the location where this action supposedly took place. I looked up the address and can assure I have never been to the address that was posted ( Please see attached proof ). I have also never withdrawn any large amounts from my credit builder account as I have been using it to Build my credit. I made this aware to the dispute team member as well on the call for the report. I received an Email from the Chime disputes team which stated the unauthorized transactions were reported on XX/XX/XXXX which is incorrect due to the call actually being made on XX/XX/XXXX ( Please see attached proof of day and time of call ) Chime stated they completed their investigation and determined there were no billing errors to my account. They stated the {$480.00} will be included in the payment amount due on my next statement. I went back on the Chime XXXX and it shows my disputes were denied and closed. I then called Chime in extreme stress and confusion as to why they would clear the transaction and deny my claim. This is my hard earned rent money that was stolen from me and Chime did absolutely nothing but help commit fraud at this point. I even went as far as asking them to review my further past transactions as well as locations to show that this was an unusual occurrence. I told Chime I was sure they could see on the XXXX where I loaded my card just days prior to this issue and explained how its for my rent. Why would I load over {$1000.00} on the XXXX to take the cash right back out on the XXXX? It makes no sense. I still have not been able to pay this months rent because of this matter and Im really shocked at the level of disservice and unprofessional behavior from Chime. Im not sure how someone was able to withdraw money from my account without my card especially when a pin is also required to do so. Chime also proceeded to send a replacement card by express and it got here the same day as the email. I would like to add I will never activate another Chime card nor bank with Chime again after their negligence on this very preventable issue. I need the money I worked for. There is no reason a customer of a bank should get robbed or scammed and not be assisted by the company of the bank.
09/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NJ
  • 07107
Web
I am reaching out to the state consumer protection board in reference to a fraud claim that I made at chime.com for money being transferred from my account illegally and without my authorization. I have provided chime with more than enough evidence of the fraudulent act that was committed upon me. This incident took place on XXXX when I had issues with my XXXX account which is linked to my chime account which is also my primary checking account I've had it for several months with amounts over XXXX $ or more at a time with no fraudulent activity on my account until now including bank transfers which I have never made to anyone since I had the account. Any way back to what happened on XXXX like I said I had issues with my cashapp account I searched XXXX where I came across a so called XXXX customer service number at least I thought it was I dialed the number and some man with a very thick east XXXX or XXXX accent answered the phone where here proceeded to pretended to help me only to go into my account remotely and transfer XXXX from my checking account I have proof to back my claim with screen shots of the website I found the number on and also a text message of the man saying he owed me the money and that he transferred them to dummy accounts it was my first time using my XXXX card I had just activated the card that day I had XXXX on my XXXX card and when I went to the atm it said I had an invalid pin I knew that was impossible so I went on a search for a customer service line and that's what got me into this jam. With all of that being said I put my claim in on the same day which was XXXX which was a Friday And on MondayXXXX chime denied my claim which is supposed to take10 -45 business days in that time I was told I would be accredited for the amount loss within10 business days and within 45 business days a final assessment would be made on if I would be able to keep the funds or they would take them back per investigation and this is there company policy on fraud disputes. Even with the overwhelming amount of evidence I provided including a police report my claim was denied in one day with no investigation or explanation for the denial they told me it would take up to 10 business days for them to send me an explanation on a claim that they denied in one day. I feel that the decision was very discriminatory and I also feel it was to hide a cover up because most of the support staff at chime is of east XXXX and XXXX decent and the man who stole my money was also so you see there is something that doesn't smell right about this situation not to mention XXXX doesn't have an official hotline for customer service you can only contact them through email and am willing to bet my last dollar that the same people who work for XXXX support are running this hotline scam because they know they know most people feel more comfortable talking to someone about there money issues rather than an email which can take up to 48 hrs for a response. And I'm also willing to bet that the cashapp support team is mostly east XXXX and XXXX decent which in my opinion are a network of cyber criminals the XXXX not having a direct customer service number was set up by design so people can get scammed by the phony service agents. The final screen shot im attaching is the new web page where you can find the same guys that ripped me off they changed the appearance but it's the same people same scam : please help you can contact me at this email XXXX or XXXX cell for questions or to cross reference any evidence or information I my have regarding this matter Sincerely. XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Saturday, XX/XX/2020, XXXX XXXX EDT Subject : Evidence pertaining to claim ID XXXX The following is evidence being provided for investigation into my claim, including a screen shot of my police report that I filled online. Also I'm providing screen shots of text messages of suspect admiting that he owed me a refund for XXXX $ but this was before he went back into my account and transferred additional funds bringing the total of the stolen amount to XXXX I can also provide screen shot of web page that I found the fictitious XXXX support number this is how suspect gained access to my account through cashapp because my chime account is linked to my XXXX. The fraud was committed by a phony XXXX customer service agent.
02/09/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • ID
  • 83702
Web
On XX/XX/21 while in an emergency XXXX- I received email notification from Chime that a XXXX XXXX XXXX XXXX account had been linked to my Chime account, a transfer of {$15000.00} from my saving to my spending had been completed, the phone number linked to my account had been changed, my password, had been changed. None of these actions were done by me. {$10000.00} was transferred to the XXXX XXXX XXXX account that my perpetrator had linked. {$2000.00} was transferred to a " XXXX XXXX ''. By the time I was out of XXXX and was able to read my emails and recognize the blatant fraud, it was XXXX XXXX central time. I was unable to access my account because of the password change and the phone number change. Any requests to change my password went to the perpetrators phone number. I got on the phone to Chime 's customer service and spent 1 hour on hold. At this point it was XXXX CST, and their phone lines close. On XX/XX/21, the perpetrator spent {$2400.00} at XXXX XXXX XXXX XXXX XXXX XXXX. I called the next morning at XXXX XXXX central time, and spent a total of 4 hours on the phone. During my phone call, another transfer from my savings to my spending was initiated! I immediately asked them to freeze my account as the perpetrator was currently active while we were on the phone and the representative said he could not. The ONLY recourse I had to stop more money being stolen from me was to close my account and have the balance sent to me in check form. This was after multiple attempts to have them change my account phone number for me, so that I could log on. They could not do this. Then I was transferred to their disputes department where I described in detail all of the fraudulent transactions. I was then told that I would receive confirmation of my dispute claims via email within 48 hours. XXXX I call Chime because I have not received verification that my claims had been filed, and I am told- no claims had been filed. The person I spoke to on XXXX had given me completely wrong information. I was then sent the forms for a " customer affadavit of erroneous transfer '' and a " customer statement of a disputed transaction ''. I fill them out for the {$2000.00} transfer to XXXX XXXX, the {$10000.00} transfer to the XXXX XXXX XXXX XXXX, and one for the disputed transation of {$2400.00} for the online purchase. XXXX I call Chime again because I have not received the appropriate verification. And this new person tells me that the bank transfer to XXXX XXXX XXXX actually requires a totally different form. An Affadavit of unauthorized ACH. I fill one out immediately and send it via email on XX/XX/21. I receive emails that my erroneous transfer to XXXX XXXX has been fully investigated and found in my favor and that the money will be returned to me. I also receive an email that the investication of the charge for {$2400.00} has not been finalized yet, but they are issuing me a provisional credit pending the full invesigation. I receive notification on XX/XX/21 that the investigation has found that NO ERROR has been made and that No funds will be credited to my account. XXXX I call today and the only thing their dispute department can tell me is that I can request the documents used in my investigation can be sent via email in 10 business days for my review. I can not speak to anyone in the investigation department. I can not see how this pattern of suspicious behavior- changing all account login information, linking new bank accounts, and rapidly transferring money from savings tp spending and then to outside accounts was not recognized. Firstly, how was it not recognized as it was happening and why was my account not frozen at that time. Second how was this pattern of behavior not recognized to return my hard earned money to me which was stolen. A fraudulent transfer from the same day was found in my favor, but not this one? Another major issue is the misinformation, and lack of knowledge that their customer service team has. I had to call back REPEATEDLY to finally get the right information on how to handle this problem. Finally the MOST concerning problem is severe lack of security. I had only had the account for a few months, NEVER transferred any money OUT of my savings account before, and NEVER given my login information to anyone. I may never get {$10000.00} of my hard-earned money back due to the negligence of this company.
03/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OR
  • XXXXX
Web
On XX/XX/XXXX, I filed a dispute with Chime after noticing unauthorized transactions on my card linked to my checking account with them. The dispute was filed all at once, for a group of transactions that occurred within days of each other, in the amount of {$2900.00}. I was not in possession of my debit card, as my wallet- with my Chime card, ID, Passport, and other bank cards- had been stolen. No one else that I know is authorized to use my account, had my account information, or made these purchases, nor did I. Within 24 hours, on XX/XX/XXXX, I received a provisional credit on the account in the amount of {$2900.00}. Simultaneously, I received an email from Chime indicating that they had closed my Chime checking account, and that " we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/XXXX. '' There was no explanation given, but it's clear that this was some form of retaliation for me expecting them to uphold their responsibilities and protections from unauthorized purchases and fraudulent transactions - at no point were these transactions flagged or was I notified of them, despite the incredibly high dollar amount at retailers I had never shopped with before, completely out of line from my normal purchasing behaviors. ( Of course, that's my speculation for my they terminated my account, and nothing I can verify, since they refuse to comment on the closure and provided no explanation, but it seems fairly obvious that this would be the reason, given that it occurred less than 2 days after I opened my dispute. ) Fast forward now to XX/XX/XXXX. Despite over a month passing, this is the first time I have heard from Chime regarding my dispute- aside from the issuance of the provisional credit. No requests for further proof or documentation, no response to the ample proof and documentation I provided in regards to the dispute, nothing. On XX/XX/XXXX I receive two emails. One indicating that : " Based on our investigation, we have concluded an error occurred. As we explained in our letter sent to you on XXXX, a provisional credit in the amount of {$1300.00} was posted to your account. This provisional credit is now permanent and any applicable fee ( s ) have been reversed. '' And a second indicating that : " Based on our investigation, we have concluded no error occurred. On XXXX, a provisional credit was posted to your account on a temporary basis until we completed our investigation. On XXXX, the provisional credit will be reversed and your account will be debited in the amount of {$1500.00}. '' So right off the bat I notice that they SPLIT my dispute into chunks, despite all the transactions being submitted as ONE case, with one case number, because they all occurred together and were all unauthorized transactions under the same documentation. To my thrill, they ruled that yes, these transactions WERE fraudulent, unauthorized purchases on my account that I will not be paying for. To my dismay, they only did their job on this for a portion of the dispute, in the amount of {$1300.00}. They are claiming that {$1500.00} was NOT unauthorized, despite occurring at the same time as the transactions ruled in my favor, and despite me having no possession of my card, use of my card/card number/account, etc. I have contacted Chime to reopen/reconsider the remainder/second claim/reopen the dispute. I am uncertain if they have done this, because all I received in response was an unclear, automated email about my " rebuttal being received '' but I am assuming that means I successfully reopened this claim. I can not get into my Chime account, of course, because it no longer exists, and they closed it back in XXXX of XXXX in retaliation for my dispute. I will not back down from having this resolved. Chime does not have to offer my a checking account/debit card - that's fine, I accept that my account has been closed for no visible, explained reason, and don't wish to bank with such a shady, unscrupulous company anyway. However, I will NOT be held responsible for {$1500.00} that I did NOT authorize being spent, did NOT spend. I will NOT be paying chime a single XXXX towards this " denied '' claim, and I will NOT rest until they do their job and take responsibility for 100 % of the disputed amount/unauthorized charges.
01/18/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • IN
  • 467XX
Web
I bank with chime, on XX/XX/XXXX I was going over my account transactions while finishing up some XXXX shopping and notice that I had 31 transactions for {$1000.00} from an unknown company. I Immediately panicked, shut my card off and contacted chime 's customer support. I spoke with a team member and he took all the transactions i had issues with down and submitted the Unauthorized Transactions ( or so I thought ). I got an email a short while later for written confirmation and I noticed something odd, The dispute was placed as duplicate transactions not unauthorized, so I emailed support, provided all transactions once again to verify that these were in fact unauthorized transactions not duplicate. Within 2 hours i got a notice my claim was denied. Oddly enough they had refunded a single transaction that was filed correctly for {$1.00} same vendor, same time table but was only error? I waited for the proper paperwork they used from the investigation took a few days, finally recieved it on the XXXX of XXXX via email. I had already contacted support several times to try and explain that these transactions were not duplicate charges they were in fact unauthorized transactions. Finally after the 5th phone call and 3rd email they opened a rebuttal with the information I sent them, was then informed it would take up to 45 days, however if the investigation was to extend past 10 days a provisional credit would be provided to me for the full amount of the dispute. Thank goodness! Right? Wrong, The date for the provisional credit to be applied was to be no later the XX/XX/XXXX, waited til around XXXX est noticed no credit provided yet so I gave them a call, I was reassured I would recieve the funds before midnight as that ws the deadline. At this point and time I was told if the funds where not in my account after midnight that I would have to just call in and tell the dispute dept. to release the funds. Wake up on the XXXX, no funds I call them after about XXXX minutes on the phone the gentleman tells me the system is updating and I would have the XXXX in my account as soon as the update was completed he said could take up to 24 hours ( hmmmmm wierd, but okay ). Wake up on the XXXX still no funds, I call again this time I send an email aswell while on the phone just to ensure I'm not being forgotten. I am once again told, the provisional credit is processing it will be there soon. I speak to a manager, they say same thing give them 24 hours it will be there. Then the XXXX still NOTHING!!! So I call yet again, now this time they say they have no information on my claim and its been denied cause there was no duplicate transactions therefore no error ..... I explain the situation to XXXX more people before finally I am told thye found the claim and see where the cedit is supposed to have been provided already so they send an escalation to the investigations team and was told that investigations team doesnt have a phone, so we have to wait for a response via email. I said thats fine ill hold whoile you message your investigations team since ou cant call them. He says " Oh, well it will take them no more then 24 hours to respond to the escalation '' At this point I am a little annoyed, I ask how many more 24 hours am I gon na have to endure for these misc. reasons. I dont get a response. I have called on the XXXX, XXXX, XXXX, and XXXX and it s the exact same conversation just different excuses and new escalations. Its now been 19 days since the intial refiling of said dispute. I am still being told the credit is coming in 24 hours, be patient well I have been patient i have been communicating and responding to all inquiries they may have But whenevr i ask about the provisional credit or the claim status I get no answers and I get an automated e-message from there dispute team sent to my email saying they are looking into it and to be patient. In conclusion : I verbally told them of the errors, and provided a written dispute Their Team member filed the initial Dispute incorrectly, which I brought to their attention aswell via verbally and written. I resubmitted all information via email i called 9 days consecutively and only response I can seem to get is escalation and wait 24 hours. STILL NO RESOLUTION TO THE PROVISIONAL CREDIT THEY SAID THEY WOULD APPLY.
11/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • XXXXX
Web Older American
Dear XXXX, XXXX, XXXX, and Chime Financial, and Directors of FTC, CFPB, FRB, and States Attorney General of California. This is my 12th attempt to Chime bank, et al, concerning its " ongoing criminal acts of delaying to send my refund of {$970.00}. Chime reps keep making its excuse, attached for not refunding my stolen XXXX, {$970.00} ; and it willfully ignores my more than dozens of requests I have made by telephone and email specifically outlining, detailing and stating what my serious problems are with Chime Bank, et al. On XX/XX/XXXX, I am replying to my 12th ignorant Chime rep., XXXX, who did knowingly fabricate my other 9 emails of today, while other Chime employees over 4 months, have too ignored or refused to under-stand I want my Social Security Retirement Income refunded back of {$970.00} with penalties added for its 4 months delay. XXXX did too, as others did I named, failing to comprehended what my problem is since XX/XX/XXXX. NO Chime Executives TOOK any mmediate action against its Reps., who also failed to refund to those consumers ' with more than 100,000 complaints against the Parent Banks of Chime to refund my {$970.00} on XXXX XXXX, XXXXXXXX See. Chime 's 10 improperly misstated reasons what my consumer complaint is about. Between XX/XX/XXXX - XX/XX/XXXX, none of Chime 's 10 recent employees are smart or intelligent enough to actually read my complaints as sent to them. Thus, XXXX is telling me i am seeking help for something I had not asked for help on and is not relevant to my stolen {$970.00}. -- '' I understand that you are asking about the phone number and email address update in your chime account. I would be happy to assist you with updating the information on your account. To update your information, please submit : A clear photo of your ID ( driver 's license, state-issued ID card, or military ID card ) that shows all 4 corners of the document. - The last 4 digits of your Social Security number. - A self-portrait ( selfie ) of you holding your ID document and a piece of paper with your name and today 's date written on it. '' This ignorant employee has also, like the others, had not read my complaint ; and, he is continuing to assist those fakep employees who stole my Federal Social Security Retirement Income of {$970.00} on XX/XX/XXXX. I never asked for help with my phone number and email address update. Therefore, on and after XX/XX/XXXX, Chime has repeatedly, willfully, and its employees have knowingly failed and deliberately refused to refund my SSRI. Instead, Chime 's Customer Service, hase repeatedly told me RE-SEND MY DRIVER 'S LICENSE, SOCIAL SECURITY number, with a piece of paper with the date on it and a selfie picture, an exact way that a criminal Chime employee was able to access my acct, having me scammed to get my PERSONAL information that is to be already on file with Chime. It is for these reasons I have found Chime, et al., must be criminally prosecuted and civilly sued for all damages it caused to me and tens of 1,000s of Chime 's customers. It is for these reasons it appears why Chime is preventing federal agencies from filing criminal complaints when Chime bank is disguised as a nonbank, but a " technology '' company that is unregulated by any Federal and States ' Banking, Consumer Protection Protection, State 's AG 's agencies codes and laws. Respectfully yours, XXXX XXXX XXXX '' XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, VA. XXXX XXXX XXXX XXXX I WANT TO BE A CLASSMEMBER TO PROSECUTE CHIME, ET AL., AND TO HAVE ITS " CRIMES OF STEALING, EMBEZZLING, AND IGNORING TO REFUND STOLEN GOVERNMENT SOCIAL SECURITY RETIREMENT INCOME ( SSRI ) FROM ITS CLIENTS. SInce the embezzling, hacking and fraudulent intentions by Chime Executives and its employees, Chime, et al., has knowingly failed to, intentionally refused by setting up illegal methods to ignore by silence, adverse to 15 U.S.C. Secs. 5 ( a ) and 45 ( a ), while further engaging in XXXX activities conduct against millions of its consumers-customers. Because my U.S. Gov't Social Security check is involved, I will notify the U.S. media outlets to advice them that it making Chime 's commercial is a further intent by Chime to engage in more illegal conduct against its customers. Thank you.
08/02/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • CA
  • 92618
Web
On XX/XX/XXXX, I made 3 withdrawals at an ATM in XXXX XXXX. After returning home, I logged in to check my account and found that I am unable to access my Chime XXXX bank account. I tried resetibg my password but received an email saying that my password can not be reset since the account was suspended. I had not received an email saying that my account was nor will be suspended. I called the Chime bank and they told me that XXXX bank decided that my actions were not complient with the bank rules and that to submit documents proving my identity and expanation to why I was accessing my account from XXXX. I submitted photos of my bank direct deposits in XXXX and copies of the ATM receipts and also an explaination of my actions saying that I had another accoubt XXXX XXXX linked to Chine where I transfer from XXXX XXXX to Chime to withdraw in XXXX since Chime has a higher ATM daily withdraw limit. I also explained that I was withdrawing this money to renovate an apartment I was renting in XXXX where I am currently employed. I sent them all the information they requeated. Also keep in mind that In the begining of XXXX they also suspeneded the account but has sent me an email to inform me of the account suspension jn addition to the documents they requested. The next day the accoun was reactivated. But now its been over 12 days and I have called them more than 13 times and apoke to 4 supervisors and created 5 escalations and sent 3 emails without a single reply or even any useful feedback or update. I have sent severa emails to XXXX XXXX XXXX XXXX replies have been sent nor over the 12 days has Chime sent an email informing me of the account suspension nor any updates. Everytime I call the agent gives me no useful j formation or feedback and asks me to do something completely different. Even when I speak to a supervisor they tell me they have not received a reply nor have a time frame nor know what to tell me. They just expect me to wait till i lose patience. I dont know what else to do. I am willing to do anything to resolve this issue and get access to my accoubt again. I have not done anything wrong or illegal nor even suspisious.. Email 1 on XX/XX/2021 Dear Chime, As per my call with customer service here are the documents requested. 1- US Drivers license 2- Screenshot of my employers direct deposit in to my bank account 3- Last Four SSN # 4-Copy Of Withdrawal Transaction In XXXX from Chime Account 5- Copy Of Withdrawa Transaction In XXXX from Payroll Kindly note that I had sent you my XXXX XXXX bank account statement in XXXX as requested and i was emailed by Chime that everything is fine. Kindly let me know if you need anything else. I am currently in XXXX. Employed in XXXX and I am currently trying to buy a new apartment which needs to be renovated. That is the reason why I am withdrawing money. I am transfering the money from my XXXX XXXX account to Chime since Chime has a higher ATM daily withdrawal limit than XXXX XXXX. Email 2 on XX/XX/2021 Dear Chime Team, I still have not received any updates and as far as I can see my account is still suspended. Can you please tell me the following : A ) when will my account be reinstated B ) Why was may account suspended in the first place? What did I do that does not comply woth Chime rules. I transfered money from my XXXX XXXX account which is linked to my Chime account since Chime has a higher ATM daily limit than XXXX XXXX. What is the problem. Kindly send me an update since I sent all the documentation requested from chime customer service representative. Email XXXX XX/XX/2021 Dear Chime, My account has been suspened since XX/XX/XXXX for no clear reason without any email saying that my account will be suspened nor any justific ation to why it was suspened. In addition I have sent all the request documents and still no reply. I sent an email asking for an update and again I received no response. I called the customer service more than 8 times and every time they tell me that they created an escalation ticket. I end up calling the next day since nothing has happened and again the agent sends a new escalation. When is this going to end. I need to know whats going on and when will my account be reactivated please.
08/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19114
Web
Hello, On XX/XX/22, at XXXX, I visited an ATM at XXXX XXXX XXXX in XXXX XXXX PA XXXX. I attempted to withdraw {$120.00} ( + {$4.00} fee ) at which point the ATM malfunctioned. The ATM held onto my card for 15 minutes, and then ejected my card. I then noticed that no cash or receipt had been dispensed. A message then appeared on the screen which stated hardware malfunction, your account will not be charged. I immediately flagged down an employee who said the ATM was probably out of order. They gave me a phone number on the front of the ATM to call. I then placed a call to the ATM company ( XXXX ) to assist me. Their number is ( XXXX ) XXXX and the ATM was labeled # XXXX. They stated that my bank ( Chime ) will need to complete a regulation E ( dispute ), request a charge back and provide me with a provisional credit back to my account. They also stated if the ATM malfunctioned, Chime should not have charged my account. Next, I called Chime to explain what occurred. They stated the transactions were pending and I needed to wait until they posted. I then waited until later that day until the transactions were posted. Once I saw the charges posted, I called back to Chime. The Chime dispute representative then filed a dispute # XXXX on the two transactions : ATM withdrawal- {$120.00} Chime ATM fee - {$2.00} On XX/XX/22, then Chime advises that I qualify for the provisional credit which should apply to my account by XX/XX/22. Then on XX/XX/22, I received an email from Chime stating that they made a final determination regarding the claim and have concluded no error occurred. Therefore, no funds will be credited to the account and this claim is considered closed. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us. I then requested copies of all the documents used in investigating my dispute. On XX/XX/22, Chime emailed me documents used in the investigation of my dispute. I notice discrepancies so I immediately email back into Chime. On XX/XX/22, I followed up with Chime again via the phone. I speak with XXXX ( dispute representative ) who re-escalated my dispute to be re-opened by the Investigations team ( ticket # XXXX ). It was noted during our call that the supporting documentation the investigation team provided to me from the first investigation was inaccurate. The documentation the investigation team sent me showed an incorrect amount of {$100.00} and showed a wrong date of XX/XX/22. The dispute I filed is dated XX/XX/22 in the amount of : ATM withdrawal - {$120.00} ATM fee - {$2.00} ( Chime ATM fee ) Since the ATM didn't print a receipt, I placed another call to the ATM company ( XXXX ) requesting more information on the transaction. I spoke with XXXX XXXX who provided me with a transaction detail from the transaction in question. This transaction detail shows the Authorization # XXXX, reference/sequence # XXXX and the amount of the transaction. On XX/XX/22, I then emailed Chime a copy of the correspondence between myself and the ATM company so that they can use that information in re-investigating the dispute. The ATM company also stated that Chime should have requested for the ATM to be audited and counted on site which would display that the ATM is over in its currency count from the hardware malfunction it experienced. Furthermore, there is also video surveillance. Please review the video of the ATM transaction? I would like for you to show me at what point in the video the ATM dispensed my money? In the video, you will see the ATM never dispensed the cash due to a malfunction. I feel my dispute was not handled or investigated properly by Chime. As a result, I filed a complaint with the XXXX XXXX XXXX against Chime, the XXXX XXXX, and XXXX XXXX. I want my dispute reopened, investigated again and my money returned to me immediately. I have been with Chime for a few years but after this, I will not continue to bank with Chime. I am on a fixed income and I want the {$120.00} returned back to my account. If you need any additional information to assist in resolving this matter, I can be contacted via email.
11/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 95758
Web
Please note. I will be putting in the times according to what my screenshots say as I was travelling in XXXX and what I see now is only XXXX XXXX, at XXXX XXXX : I received a text from CHIME asking if I made a transaction for {$460.00} and for {$220.00} from XXXXXXXX XXXXk. I accidentally said yes at XXXX, because I was updating payment for a hotel i was booking and thought that was the merchant. One minute later at XXXX, I responded no because it didn't seem right. The text response from Chime said, " the transaction was blocked and no funds have been taken from your account .... '' XXXX : at XXXX XXXX I received another text if I had tried again to make a purchase from XXXX XXXX for {$56.00}. I responded no. Again, the same message that this purchase would be locked and no funds were taken. at XXXX, i received another text asking if i was making a transaction for {$22.00} from XXXX XXXX XXXX which I said no, and another message from chime said that the transaction was blocked and no funds taken out. XXXX at around XXXX : i disabled usage on my card and also requested a new card to be sent. WHen i logged into my checking account, i saw that there were XXXX different charges from XXXX XXXX for various amounts. These charges are all from XXXXXXXX XXXX and are all showing up in XXXX on my bank account statement : {$460.00} at XXXX ( i received a text from chime for this one and responded that i did not make this purchase to which they said they would block this one and it wouldn't go through ). {$220.00} at XXXX ( i received a text from chime for this one and responded that i did not make this purchase to which they said they would block this one and it wouldn't go through ). {$56.00} at XXXX ( i received a text from chime for this one and responded that i did not make this purchase to which they said they would block this one and it wouldn't go through ). {$56.00} at XXXX {$56.00} at XXXX {$56.00} at XXXX {$220.00} at XXXX {$220.00} at XXXX {$220.00} at XXXX {$56.00} at XXXX {$56.00} at XXXX $ XXXX XXXX {$22.00} at XXXX ( i received a text from chime for this one and responded that i did not make this purchase to which they said they would block this one and it wouldn't go through ). XXXX at XXXX XXXX time : I did chat support with Chime because I was concerned about the XXXX fraudulent charges totalling over {$1800.00}. XXXX of them were from XXXX XXXX for various amounts. A Chime representative told me not to worry. He reached out to XXXX XXXX and was told that all XXXX charges were already cancelled and that they wouldn't be withdrawn from my account. I would receive the credits within 7 days. XXXX at maybe XXXX XXXX : I see that all XXXX fraudulent charges have hit my account for some reason so I filed a dispute and I also see a note that a charge was denied because the wrong expiration date was used. XXXX at XXXX, I called chime to inquire about the evidence they used in determining that I made those charges. I was transferred 7 times despite requesting every time I needed to speak with a Dispute manager. They concluded that it was me who made all of those charges and told me that If i wanted to file a rebuttal, I would need evidence that it wasn't me who made those charges. I requested for them to send me all evidence they used in their determination including ip addresses, or pin codes being used if in person transactions took place, or any sort of photographic evidence i was making these transactions in place. He repeatedly asked me what proof or new evidence I had to show it wasn't me to which I became upset because how do I provide that i didn't use my card when it was fraudulent? I didn't have enough information to which he could not do a rebuttal since I had no new information. I asked him why CHIME continued to allow all the XXXXXXXX XXXX transactions to go through when I responded to their TEXT Please help me investigate their decision and claiming that they have evidence I made all of these charges. I did not authorize any of these transactions above, and do not know what evidence I can show them that I didn't make it unless they have ip addresses or photo/video that i did and we can compare me to them. Thank you so much for your help.
09/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KS
  • 67216
Web
On XX/XX/XXXX my wallet was stolen that had all of my debit cards, credits cards, driver 's license and social security card inside of it. I immediately began to keep an eye on all of financial account. I noticed a couple of charges that were made on my chime credit builder account that was not made by me. On XXXX XXXX I immediately reached out to chime to notifiy them of stolen card and and fradulent charges made on my account in which dispute cases were openened up in hopes of getting my money back. Big WRONG. On XX/XX/XXXX, Chime closed 2 of the 5 disputes I had stating one charge waas valid and done by me which was wrong and the other was clsoed out without any explanation or reason. Almost as if the charge and or transaction never existed. I called in on XX/XX/XXXX to follow up about the transaction that was closed out without explanantion and or reason which was a transaction made to XXXX in the amount of {$360.00} that is show in the attached pictures. Not a single agent I talked to could explain nor understand why the dispute case was closed and or the reason for it. I was told by an agent that she would open another case for me and someone from the dispute would be getting back with me soon. Okay, fine. Fast forwarda week later, no call, no email, not a sound from Chime in regards to my transacton at hand. On XXXX XXXX I uploaded supporting documentation to my other two disputes proving the charges were made in error and even much so, the charges were credited back to my bank account by the merchant due to me reaching out to the merchant in hopes of getting my money back. The merchant has sent back the funds however on the chimes side it's showing the dispute is still pending. Not only have the funds been credited back to my account, but I uploaded documentation/proof that the funds were dine erroneously due to the theft of my wallet, yet chime still REFUSES to credit these funds back to my account. Fast Forward to the XXXX fun, here 's where things get a little sketchy and very concerning, on XXXX XXXX I call in to chime to inquire about {$360.00} that is still missing from my account. I am on the phone for FOUR HOURS, being transferred back and forth between customer service and the disputing department. It was basically a 'blame game ' 'finger pointing ' game between the two departments.First I was told, oh no there was an error. The transaction shows as void on our end so the funds should be released back to your account. That makes sense, but where are the funds?! Not a single soul can tell me where the funds have went and why they aren't showing in my account. Towards the end of my hour marathon, the last two very helpful, patient and genuinely understanding reps that helped me both were in agreeance that some sort of error has been made and that funds are indeed missing they can't make any sense of it but I was in fact right and those funds should be in my account. I get transferred to the dispute department one last time before I throw in the towel and hang up, the rep I spoke to was very short, did not care to listen to or do her job in investigating on what I had to say. Her response was, " Well the transaction says cancelled which means the funds were never pulled from your account and have been there this whole time ''. WRONG if that were the case, {$360.00} would still be in my account and We wouldn ; t be having this conversation, not only that but, Why does it show in my account activity that {$360.00} was indeed drafted from account?! Any other time a transaction was attempted but voided off and or cancelled, it wouldnt show the amout as drafted and if it did, it would show the same amount immediately credited back the account. That ; s common sense. So in Total, Chimee has XXXX me out of {$460.00}. That's {$360.00} for the missing fundds that were made to XXXX and {$100.00} for two seperate transactions that have proof showing the transactions were credited back by the merchanct but still pending dispute on the chimes side. DO BETTER CHIME! Some of us have next to nothing and work very hard for what we get. Your silly games and back and forth on policies and procedures are not right and my situation needs to be rectified IMMEDIATELY.
06/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • CA
  • 957XX
Web
CHIME, a payment processor/ '' XXXX '' that is legally no longer permitted to refer to itself as a " bank '' in the State of California effective XXXX, XXXX, opened a bank account in my name without my authorization. I only recently found this out when I was trying to close a fraudulent account at XXXX XXXX XXXX. I complained about XXXX 's negligence on the CFPB website and XXXX responded that it was CHIME that opened the account. This CHIME account linked two banks : XXXX and XXXX XXXX. Since XXXX is headquartered in XXXX, to my horror it appeared that the two accounts were an attempt to have funds diverted into a XXXX XXXX and sent out of the country, as in money laundeirng. {$5000.00} was deposited and withdrawn from the fraudulent XXXX account. Later I found out it was CHIME who opened the account. This account was opened using an address I have not lived at for 10-12 years, and an e-mail address that is also very old, and is a " throwaway '' email that I use for junk mail, and I no longer have the pass word to that account. I know for certain it is absolutely impossible that this account was open with authentic identity documents. I have had these documents in my possession at all times. The account was opened in XX/XX/XXXX and I have lived at my current address since XXXX of XXXX. Any California State Identification used to open a CHIME account would have been long ago expired. I am in the process of trying to close the account, but this is not sufficient in itself. I am on Social Security and Social Security considers the {$5000.00} deposited into the XXXX account to be assets that put me over the limit to receive benefits. Social Security began deducting {$95.00} per month until I pay back the {$5000.00}! I requested a hearing with Social Security that should have postponed the deduction until the hearing, but since I did not provide supporting documents at the time I requested the hearing, Social Security is going ahead with deducting benefits. The amount of documentation I am required to produce is on the level of a law suit and I am livid. Apparently CHIME required little or no documentation to open the account, only to close it, and the burden has fallen on me to provide a cohesive narrative and provide supporting documents. The only " documentation '' Social Security has provided to me is the last four digits of the account number at XXXX, and an apparent computer automated search for assets that linked my Social Security number with the XXXX account. This in itself is not sufficient evidence that I authorized the account, but I am paying for it anyway. I am livid. CHIME bank should be sued, and I will be in contact with a lawyer. I have now provided CHIME with all my authentic documents and I am waiting for hard evidence that the account is closed. By hard evidence, I mean a letter to my P.O. Box, and not email ( the Post Office does not deliver mail to my residence ). Chime needs to be investigated for the policies they use to open accounts. Obviously they do not meed Anti-Money Laundering criteria. I suspect that CHIME sent a pre-authorized card to my former address and someone took it out of the mail box and activated it. I also had someone file a false tax return in my name, according to the I.R.S., and the first Economic Impact Payment of {$1200.00} was not directly deposited into the account I receive benefits as it should have been, but was diverted to the same address that is used for the CHIME account. CHIME needs to report this account to the proper authorities in the form of a Suspicious Activity Report. This " XXXX '' has terrible reviews all over the internet on the XXXX web site, the Consumer Affairs website, and other websites. Many other people have complained about receiving pre-authorized cards for bank accounts they did not request. CHIME needs to send me their mailing address so I can send them a certified letter and a Request for Fraudulent Activity Report. It is not sufficient to send me a cheap letter saying the account is closed. I have to prove to Social Security that the account was opened by FRAUD, and it is CHIME who is responsible for this fraud and who should be penalized for their negligence, not me.
07/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OH
  • 44128
Web
For over two months, Chime has failed to provide me with an image/ copy of the cashed check they mailed on my behalf on XX/XX/XXXX for {$400.00} to XXXX XXXX XXXX. This is extremely time sensitive as I am facing eviction because of this. I have a checking account with the online banking service Chime. I have banked with them for several years. On XX/XX/XXXX, I used their bill-pay service called Chime Checkbook to mail a check to my leasing office on my behalf. The check was for {$400.00}, made out to XXXX XXXX XXXX. This amount was more than half of my XX/XX/XXXX rent. I sent the subsequent rent check on XX/XX/XXXX ( Chime voided that check ). Per Chime, the check was estimated to be delivered by XX/XX/XXXX. On XX/XX/XXXX, I noticed the check had yet to be applied to my rent balance. When I called my leasing office, they told me they had not received the check. I contacted Chime they informed me that the check had been cashed. When I advised my leasing office that the check was cashed, they told me that I would need to obtain a copy of the cashed check from Chime so that they could further investigate where my check may have been applied and credit my rent balance. There have been several escalations submitted to obtain a copy of the cashed check with no resolution : My initial request for a copy of the cashed check was opened on XX/XX/XXXX. o Support Request # XXXX- requested a copy of the cashed check via the live chat in the Chime mobile app ; this ticket was closed on XX/XX/XXXX with no resolve Support Request # XXXX- requested a copy of the cashed check via the live chat in the Chime mobile app. This ticket was closed around XX/XX/XXXX and has yet to receive a resolution. Support Request # XXXX- requested a copy of the cashed check via the app ; this ticket is still open and has no resolution. I called Chime, and an escalation was submitted on XX/XX/XXXX under the ticket entitled " Phone Call from User ID XXXX, '' it is still open with no resolution. o XXXX XX/XX/XXXX, XXXX from XXXX XXXX emailed me and informed me that I would receive a copy of the cashed check within 3-5 business days. I have not. Despite the Disputes Department and Member Services confirming with me over the phone and chat that the Disputes Department does not handle Chime Checkbook payments, these escalations have been forwarded to them approximately six times. o Each time the escalation is forwarded to the Disputes Department, nothing is done with them, and no follow-up with Member Services or me informing them that they have received the escalation in error. I have communicated with Chime countless times via phone, live chat, and email. No one has been able to help. The following are some of the issues that I am encountering when I try to resolve the matter : When I called Chime, they told me they had no access to the copy of the check and had to escalate the issue to their Written Department ( back office ). o Each time that is done, I get an email that my request is going to the Disputes Department. o Even though the escalation is not working, they refuse to employ any other option to resolve the matter. o I was told on a call that I recorded ( with their knowledge ) that hypothetically if my request was incorrectly routed to the Disputes Department 10 times in a row, I could only call back in for them to submit the same request again. When I try chatting in, the live agents tell me that they do not have access to the check, and the only thing they do is submit an escalation. o The Escalations are either closed with no resolve, incorrectly routed to the Disputes Department, or a message asking me if I still need assistance. When I email them at XXXX, I get emails asking me if I still need help, emails asking me what I need help with ( even though I will have explained in my initial email or my request gets routed to the Disputes Department. Worst of all, my leasing office has been as patient as they are willing to be, and now I am facing eviction because of the late rent. I do not have the extra {$400.00} in my budget to replace the lost check. I appreciate your helping me get a copy of the cashed check. ( XXXX XXXX XXXXXXXX )
03/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • KY
  • 40324
Web Servicemember
On XX/XX/XXXX I contacted Chime bank about some unauthorized transactions on my account. A week later they denied my claim and I had to send up a rebuttal. Hello, a dispute was put in a rebuttal status for me, as I have additional information. On XX/XX/XXXXXXXX I lost my phone, or if it was ever found it was never returned. This was in XXXX, KY at the XXXX XXXX XXXX was my last location with the phone. The phone never had any type of lock on it as far a pin, or passcode. The phone had all of my banking info, pictures of my ID, XXXX, and health insurance card for both me and my son. I never carried a wallet because my card was added on my phone. I asked the park staff if anyone had turned it in, no one had turned it in. I had to activate an old phone I had through cricket. I activated my old phone on XXXX/XXXXXXXX. I just received my new social security card, along with ID, and health insurance cards. I was looking at the transactions and most took place online. The first transaction I noticed was walmart.com for {$250.00} at XXXX XXXX, I was at work at XXXX am on XXXX/XXXXXXXX, I have my time card to prove that. Then there is another transaction for XXXX for {$23.00} on XX/XX/XXXX at XXXX am. On Friday XX/XX/XXXX there was an {$86.00} for XXXX XXXX. I live in XXXX, KY we don't even have an XXXX located in XXXX. There is a {$9.00} charge for XXXX XXXX on XX/XX/XXXX. I never use grubhub, I just go to the actual restaurant since it is XXXX mile away from my home. On XX/XX/XXXX there is a charge for {$9.00} XXXX XXXX XXXX Mon. I have no idea what that even is as I have never heard of it. Then there is a charge for {$12.00} for XXXX XXXX XXXX, I have no idea what that charge is. On XX/XX/XXXX there is a {$58.00} charge for temu.com, I have never ordered anything off of temu.com. On XX/XX/XXXX there is a {$46.00} charge for XXXX XXXX XXXX. I live in XXXX, KY which is no where near XXXX, XXXX On XX/XX/XXXX there is a charge for {$62.00} Golden Corral XXXX XXXX KY. I was with my husband on XX/XX/XXXX we live in XXXX, XXXX XXXX XXXX no where near XXXX XXXX There isn't even a XXXX XXXX in XXXX. The next charge was for {$370.00} XXXX XXXX XXXX, WV. I haven't left XXXX for almost a year now. There is a charge for {$31.00} on XX/XX/XXXX at Dollar general in XXXX, XXXX XX/XX/XXXX {$34.00} at XXXX XXXX in XXXX, XXXX On XX/XX/XXXX There is a charge of {$300.00} for XXXX XXXX XXXX XXXX KY. I was at work in XXXX, KY when this charge appeared on my notification from Chime. There is another charge for XXXX XXXX XXXX, KY of {$5.00} on XX/XX/XXXX. On XX/XX/XXXX There is a charge for XXXX of {$38.00}. A charge of {$8.00} XXXX NY XXXX. The only transactions I have made with my card before I knew my card had all of these unauthorized charges was SP Lilys Bows ( Thats my cousin I order bows from ). I paid my car payment for XXXX XXXX as it automatically comes out. Then I made a payment through the XXXX portal which is for my rent. My landlord started using the apartments.com portal to collect my rent. I have included screenshots that show where I live. I have included pieces of mail with mine and my son 's name and address. Pictures from my online account for my car where it is financed. It has my address as physical and mailing. XXXX XXXX knows that's my address as back in XXXX there was a mix up and they came there to try and repo my car. I have also included a picture of the street my apartment is on. Lastly I included a picture of my phone for cricket. It says XXXX XXXX. My old phone was released in XXXX XX/XX/XXXX. I got it a few months later. Cricket doesn't even carry this phone anymore. I also did try to file a police report on XX/XX/XXXX with my local police department which would be the XXXX XXXX Police Department since I live in XXXX, KY. The police officer I spoke with refused to file the report, and then I asked to speak to his supervisor and the supervisor refused to file the report as they said the phone was lost and if it was resulted in stolen there's nothing they could do. If I suspended my line with my phone carrier I wouldn't of been able to even activate my old phone since XXXX is a prepaid company.
04/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MS
  • XXXXX
Web
I have tried multiple times to resolve my issue with my bank Chime XXXX XXXX XXXX ). I originally filed a dispute with Chime XXXX XXXXXXXX XXXX ) on XX/XX/XXXX upon receiving a text message from Chime stating that I had spent {$130.00} at XXXX at approximately XXXX XXXX CST. My original dispute number was XXXX. I was finally granted a temporary provisional credit on XX/XX/XXXX of {$130.00} which was then reversed and removed from my account on XX/XX/XXXX a week after my initial dispute was denied. On XX/XX/XXXX after receiving the detailed " reasons '' that my dispute was denied I filed a rebuttal and included as much documentation as possible. I am unable to obtain any information from XXXX regarding who this was shipped to since it is not my information ( even though they used my debit card fraudulently ). My rebuttal with Chime was denied again on XX/XX/XXXX. I have since contacted the Risk Management Department at XXXX again, and filed a police report with the XXXX XXXX Police Department Report # XXXX which can be reached at XXXX. My complaint with XXXX was escalated to a special team in the Risk Management Department XXXX I asked Chime to send the documentation that was used to determine the denial, and filed an official complaint with the FDIC, who then forwarded the complaint to the OCC. Since Chime ( XXXXXXXX XXXX ) is overseen by the two organizations I was instructed to file a complaint here as well. Here are some facts with regard to the reasons for denial received from Chime after the first denial. I am a night shift XXXX who worked until the XXXX of XX/XX/XXXX, and I was sleeping the entire day until I was woken up via a text message saying that I made a purchase at XXXX at XXXXXXXX XXXX I had not been awake to do so. Nor had I made any purchases from XXXX since XX/XX/XXXX. This can be verified with XXXX as well as my detailed order history I provided to Chime. I did not make the purchase at XXXX, and immediately began a chat with a Chime representative which you can see clearly documented via the attachments. I made sure to let him know that it was not me that made this transaction. I had not been to nor ordered from XXXX since XXXX the XXXX when I had a grocery delivery made to my house. See my FULL order history for the 60 calendar days Leading up until XX/XX/XXXX. Chime claims one of the reasons for the denial is this type of transaction was not uncommon for me. If Chime Representatives did their research they would know that I have been a long-standing customer of XXXX, not just since XXXX and I have never disputed a charge from XXXX. Essentially Chime support and the dispute department is calling me a liar. Again, I have nothing to hide and XXXX Risk management team can verify I have NO orders or purchase history in the amount disputed. XXXX Risk Management Department can be reached at XXXX Option XXXX, Option XXXX. While I was on the chat with the representative at Chime I received a text message that you will find enclosed asking me if I had also made a purchase at XXXX which I responded no to. If my card was " not compromised '' why would you send me a text message asking if I made this purchase? Clearly my card was compromised as it was made evident from the text message from Chime, and my card was shut off and a new card was issued and sent to me overnight from Chime. Chime claims there was no other fraudulent activity on my card, yet this text message was received within 45 minutes of the XXXX transaction notification. It is clear to me, someone was going to have a spending spree with my debit card until it was shut off. I have spent countless time on the phone with risk management at XXXX themselves. They can verify with you that I have made no such purchases using my card ending in XXXX for the amount that has been disputed. XXXX 's risk management team can verify that this transaction did not ship to me, nor my name but they were able to locate the dollar amount and my card was used fraudulently. My contact information with XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The last four of the card number used was XXXX.
04/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 17602
Web
On XX/XX/2023, I saw that {$15000.00} was stolen from my Chime bank account. I immediately called my banks member service line for support. They encouraged me to file three separate disputes because whoever breached my account spent {$10000.00} via my Chime checking account ( dispute 1 ), sent XXXX XXXX {$5000.00} via Chimes peer-to-peer transaction feature ( dispute 2 ), and opened a Chime Credit Builder card and spent {$680.00} ( dispute 3 ). At XXXX XXXX on XX/XX/2023, I received a text message from Chime asking if I purchased {$140.00} at XXXX XXXX XXXX. I did not recognize the name so I sent a text stating No. I received two follow-up text messages : the 1st was a security code, triggered by my 2-Factor-Authenticator Settings. The 2nd text message was a notification that the phone number on my account was changed to a phone number I did not recognize ( XXXX ). I called Chime and added the XXXX XXXX XXXX charge to the checking account dispute. Between XX/XX/XXXX and XX/XX/XXXX, I spoke to numerous Chime Members Service and Dispute team agents regarding the breaching of my account. I told them about the ATMs I used the day before my money was stolen. During one of my calls, an agent disclosed to me that someone pretended to be me and called Chime 4 times on XX/XX/2023. I asked the agent to send me a copy of my call log for XXXX and XX/XX/2023. The agent stated they were not allowed to give me that information. I asked for a copy of my recorded for quality assurance conversations of the XX/XX/XXXX calls. The agent said they could not give me that information either. During this same time frame, multiple agents disclosed to me that I was eligible for temporary funds while the dispute team investigated my claims. I called and emailed at least once a day during that time frame for an update on the investigation. On XX/XX/XXXX, I received an email that dispute # XXXX ( the unauthorized {$5000.00} peer-to-peer transaction ) was denied. After calling Chime back for information on the detail, they stated they would reopen the case. On XX/XX/XXXX, I received an email that the XXXX XXXX XXXX claim was denied and considered closed. That evening, I emailed chime at XXXX a copy of my stamped and signed police reports from the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX I requested my documents get added to all the dispute files. On this date, I also reached out to the FBI for support. I spoke to agent XXXX who recommended I submit a claim to the IC3 department. On XX/XX/XXXX, at XXXX XXXX, I received an email from Chime stating : Following a recent review of your Checking Account, we regret to inform you that we have decided to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2023. I called Chime and spoke to a supervisor named XXXX and he told me to send in a copy of my ID and the last 4 of my SSN and they would investigate my account for a potential reopening. After I emailed that information, I received a follow-up email from Chime Members Service Agent, XXXX stating the following : We have determined that your account failed to comply with the terms of your Deposit Account Agreement ( https : //www.chime.com/policies/bancorp/deposit-account-agreement/ ), and weve closed your account as a result. When I requested specific information, XXXX from Chime Members Service told me the following : For security reasons, Chime can not disclose any more information about the closure of your account. For full details, please refer to section C9 ( Account Holds, Suspensions, Restrictions, and Closures ) of the Chime Deposit Account Agreement ( https : //www.chime.com/policies/ ). During one of my calls between XX/XX/XXXX and XX/XX/XXXX, an agent disclosed to me that because my account was closed, the investigations were no longer open. Because of Chimes negligence and poor account security, Chime gave someone unauthorized access to my bank information and allowed them to bypass my 2FA security settings and access all of my money. Rather than do the right thing and return my money, Chime has decided to treat me like a criminal and not help me.
07/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MD
  • 206XX
Web Servicemember
To Whom it May Concern : I used an ATM at XXXX XXXX and XXXX on XX/XX/XXXX and the ATM did not dispense the cash as requested. I immediately notified the XXXX XXXX Night Supervisor, XXXX XXXX ( XXXX ), and he reviewed video footage as well as completed an audit of the ATM ( XXXX XXXX : XXXX ). XXXX XXXX confirmed the cash was not dispensed as requested and a transaction error occurred with the ATM. XXXX XXXX advised the money should be refunded to my bank account within 24-48 hours. When the funds were not credited to my bank account within 2 days, I called XXXX XXXX who had me speak with his supervisor, XXXX. XXXX advised me to dispute the transactions with my bank as they use a third-party ATM processor and can not refund the money directly to me ; however, they would be happy to provide documentation and video surveillance verifying my claim in the dispute process. XXXX also provided the help desk phone number for the ATM processing company, XXXX ( XXXX ). I called Chime on XX/XX/XXXX to file a dispute and uploaded the supplemental supporting documentation. I eagerly awaited my provisional credit to be posted to the account and on XX/XX/XXXX, the day the provisional credit was to be issued, I received an email response from Chime that my dispute was closed and it was determined no error had occurred. I requested the documents used in the investigation and I have yet to receive them, despite numerous requests. I filed a rebuttal claim ( XXXX XXXX ) with Chime and again provided documentation, names, phone numbers, etc. to assist in the investigation. My rebuttal was denied. When I filed a rebuttal to the rebuttal ( XXXX XXXX ), I was told the supplemental information I emailed to XXXX, along with the notes provided to the Chime representative, were never uploaded to my rebuttal claim. I was extremely frustrated. Not only am I waiting on $ XXXX, but I am being lied to by the Chime representatives who say my claim will be investigated thoroughly and will be escalated to the disputes investigation team. Once again, I provided phone numbers, names, and the audit history from the ATM kiosk. All parties ( XXXX, myself, and XXXX XXXX and XXXX ) agree I didnt receive the funds requested from the ATM and an error occurred. Chime seems to be the outlier, and once again my rebuttal was denied. On XX/XX/XXXX, I called XXXX for assistance and guidance. I spoke with a service representative, XXXX XXXX. XXXX informed me that Chime failed to complete the dispute process per federal regulations. Proper due diligence is to complete a Federal XXXX XXXX Dispute Form on my behalf and send it to the ATM processor for verification and validity of the disputed claim. XXXX confirmed that XXXX never received the Federal XXXX XXXX dispute form from Chime. How can my claim have been investigated thoroughly if Chime failed to follow proper federal protocol and never reached out to the ATM processor for verification? In addition, XXXX advised me that this is a violation of the Electronic Funds Transfer Act of XXXX and as a consumer I have protected rights through the XXXX. I once again filed a rebuttal for the third time and once again, received an email from Chime indicating their investigation concluded that no error occurred and I am not entitled to any credits. We are now almost XXXX weeks from my original claim. I expected Chime to follow proper federal procedures this time and send the required Federal XXXX XXXX Dispute Form to XXXX for verification based on the letter and information I provided to them, but once again, they failed to follow Federal procedures and XXXX has yet to receive the required XXXX form related to my dispute. As a courtesy, I have attached the email and documentation from XXXX XXXX, with XXXX, confirming Chime did not submit the required Federal Form ; the ATM audit transaction history from Glory XXXX ATM XXXX confirming neither ATM transaction processed through the ATM and thus, I did not receive my money as requested ; along with a copy of the XXXX. Please help me receive the money that is rightfully mine and is owed to me. Kind Regards, XXXX XXXX
03/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 791XX
Web
So I got a Chime account back in XXXX. Every one of my paychecks from my job are deposited every 2 weeks. I have never had a problem with anything and have used it faithfully ever since then. On XX/XX/XXXX, I received an email from chime stating that I called the automated customer service line and to rate my experience. I immediately called customer service and advised them. They looked at my account and said they have never received a call from me before and they didnt see where anyone has called about my account, they said it was a glitch and not to worry about it. On XX/XX/XXXX at around XXXX I received an alert for a charge for {$41.00} from a company called XXXX XXXX, which I later found out was XXXX XXXX XXXX XXXX XXXX Georgia . It was an online order. I immediately called customer service and advised them about this charge I did not make. They asked me if I wanted to dispute it, I said of course because I live in Texas and not in Georgia, as we dont have a XXXX in the area I live in. I advised customer service to cancel my card because someone had my card number. I then changed my password at that time to a 20 character using special characters, numbers, upper and lowercase letters, non repeating. So they were going to escalate my account to a supervisor. XX/XX/XXXX - I was woke up from an alert on my phone. I read the message and it said that I had just changed my phone number to something totally different. I immediately called customer service and advised them someone just changed my phone number and went through 13 minutes to get it changed back to my original phone number. At XXXX I get an email that stated they closed my account because of the following, Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on XX/XX/XXXX. I sent an email to them and asked why it was closed. They responded, After a review of your account, Chime identified behavior that was not in compliance with its internal policies and the member agreement executed at enrollment. Keeping our members protected is our top priority, and unfortunately, this means we need to take action on certain accounts that are not in accordance with our Terms of Service and/or Account Agreement. I asked them what happened because I was questioning what had happened. They responded, I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference section 9 ( Account Suspensions and Closures ) of the Chime Deposit Account Agreement. I still questioned about my {$1300.00}. The response was Thanks for reaching out to Chime Member Services! My name is XXXX and I am sorry to hear about your chime account being closed. Allow me to assist you today! Kindly sharing with you after a recent review of your account, Chime identified behavior which was not in compliance with its internal policies and the member agreement executed at enrollment. This means a closure check with any remaining balance will not be sent. So they took my stimulus and my paychecks. I have been saving for 6 months just to get that amount. I told them I can supply every paycheck, every bill and everything I spent my money on. I use the account to get my direct deposit, and to pay my monthly bills and nothing else. Im being punished because I reported a suspicious charge on my account and canceled the card and then someone changed my phone number without anyone calling customer service or me using my phone with a password that was changed to something they would have never ever guessed. All I want is my money back so I can pay my bills so they dont get shut off. I work paycheck by paycheck. I asked them to show me what proof they had and I would show them any paperwork or documents that need and every paycheck stub they need and my stimulus check and a check my mother sent for {$300.00} a while back. They refuse anything I ask them.
02/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble getting, activating, or registering a card
  • CA
  • 954XX
Web
I was told about Chime through a friend after telling him I was done with XXXX. He sent me a link for Chime and said if I went with Chime and had direct deposit set up that him & I can earn {$100.00} each through Chime. So I used the link and tried to start an account with Chime and that's when everything went south. After I put all my information in to sign up and hit the summit button and error popped up stating, " We're sorry! Unfortunately, based on the information provided, we were unable to open a Chime Deposit Account for you at this time. Due to security reasons, our Member Services team is unable to provide you with any further information. '' A day or two went by and I chose the chat with the support team. I have transcript. I told XXXX that I has having issues with creating an account and I needed help. She told me that I created an account two days ago and gave me the login user name and a email link to reset my password which I did and it did not work. I called back on XX/XX/2022 XXXX XXXX and got to speaking with someone around XXXX XXXX Sadly I can't remember his name but was very helpful and he was able to pull up ALL the infromation, including emails I had sent back to the Chime support people. There he was able to see that I did send back everything that was asked of me. What he told me was that he requested that the support team put a rush on responding back to me as nobody did reply in the time I was told. He told me I should hear something via email within 2 hours. Guess what? No email from them at all. I call back on XX/XX/XXXX XXXX XXXX. This call lasted 30m6s most I was on hold. I speak to some who who tells me Chime needs more info and I will receive an email with what they will need. I get an email XXXX XXXX same morning requesting my a photo copy of my Government issued XXXX and the last 4 digits of my social, ( please note that no other verification was asked for ) I have the email and will provide that here. I send the info back to the email support as requested. I check my email and still nothing. I send a email back asking if anyone is going to answer my email I sent earlier XXXX XXXX same day XX/XX/XXXX. I hear nothing back from Chime. I'm Furious. I calm down and I call on XX/XX/XXXX XXXX XXXX and i'm on hold for 15m11s and I had to hang up. I call back @ XXXX and this call lasted 38m44s and this time I was told that my cell number that I have had for over 4-5 years is attached to someone else 's account. I would need to show proof that the number belonged to me. I did exactly that. ( I have mail showing that it was sent to Chime ) So XXXX XXXX same night I get an email stating, " I've gone ahead and cleared the previous enrollment attempts in our system that were blocking your process. Please use a different number this time. If you begin enrollment now, you should have no trouble submitting a new application. '' I don't have a clue as to what Chime is asking me to do. I only have ONE number, that's it. I don't know if they are telling me to make up a fake number, go and change my cell number, or what. I am stuck scratching my head and wanting an explanation. I call this evening and ask for a Supervisor. I speak with him and for some reason he can't put up any information on me and all the things I have gone through. But as I stated earlier with the first gentelman I spoke with, he was able to pull my info up and he wasn't even a supervisor. Now a supervisor is telling me he can't pull up and of the emails I sent. Tell me a few minutes later that I need to provide copy of IDXXXXXXXX last of SSN, AND now a selfie of me holding up my ID next to my face. This need for a selfie was not in the info that they requested in prior email. I have that email. I told him that I sent in the info that was requested from your support team in the email they sent. He says, but it looks like you didn't send in the selfie. NOW, he can see my info on his screen? He lied to me about not being able to pull up my info. I was so outraged I hung up in complete disgust. So now I'm writing you a complaint hoping you can help me out.
06/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90631
Web
I filed a dispute on XX/XX/XXXX with Chime Bank who refuses to give me my money back of the amount of XXXX dollars that I paid XXXX XXXX through a feature to Pay Anyone on the chime app. they have not gave me a document why my dispute was denied. My dispute at first was closed and then someone from the The Dispute Department Of Chime has told me they manually re-opened it for me and all I had to do was provide more information to support my dispute which I did. Under the rules of regulation E they are suppose to show me why my dispute was denied in the first place and they havent shown it. they have been unprofessional, rude and dont protect my rights when I have sent valuable information to support my dispute that XXXX XXXX is a scammer, con artist and a person who pretended to have an apartment with a room to rent in XXXX XXXX XXXX a website called XXXX she requested to have money sent to her through chime She managed to scam me through chime and chime did nothing about it I used a website called XXXX And I have spoken to XXXX The CEO & Co Founder of XXXX he has provided me all the information of who XXXX XXXX is and XXXX XXXX is Actually XXXX XXXX XXXX XXXX Registered with the same number that was used from chime to create a chime account in the first place. I also filed a police report on XX/XX/XXXX, I have Filed a complaint to the FBI and yesterday I had to update my police report with Sheriff XXXX because XXXX XXXX and XXXX XXXX XXXX i dont know if they are a couple working together but I do know the number thats connected to chime was XXXX XXXX but that same number is Registered Under XXXX XXXX XXXX which both live in Arizona XXXX and they do not live in XXXX XXXX and they do not rent rooms nor have an apartment in XXXX XXXX . Thats why the amount of XXXX dollar was sent to begin with. I work hard for my money. I have been lied too, mislead by Chime Themselves. I spoke to three people today from Chime who has hung up on me, refused to send me an email that my dispute was re-opened. First they said I can see it in my app that its re-opened I checked my app Chime there was no open dispute that they said I can see, I asked for them to re-send me my open dispute to my email and instead of it being re-sent I was rudely hung up on without proof of any dispute open and every time I call they keep telling me it was closed. How is it closed? When so many different people on chime are saying its opened I can see it in my app then the other side of these people are saying its closed. It doesnt make sense as me paying someone whos made an account checking and routing through chime is able to solely and only rob people scam people and do fraudulent activities with chime themselves how are they not being dealt with by chime if I provided information they did steal from me. I was sent 17 different IP addresses where the scammers live, the numbers and emails the scammers use which is XXXX XXXX and XXXX XXXX XXXX. So much credibility to prove my case. Even the CEO and co founder XXXX of XXXX refunded me XXXX because he knows Im dealing with fraud how is it chime is my bank and couldnt provide me my money back or credit me my money back but the CEO was willing without a hassle to show me there real identity and also refunded me but my dispute is still being denied by chime, as I mentioned Chime is trying to treat me like there isnt anything they can do, I foward the same email! XXXX The CEO of XXXX sent me to them and today when I call chime tells me they never received it? And for me resend it again. They have been lying to me and giving me the run around. They told me to even speak to the merchant XXXX XXXX after I stated I was blocked and couldnt communicate with them they have done zero moves and have shown there isnt anything they can do with all the information I provided and I will provide you guys the same information Ive received. Its very unfortunate that anyone can rob someone through their bank and chime tries to blame it on me and the only way I can get my money back is through the scammer thats using chime themselves.
10/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • AK
  • 99709
Web
I have been a customer with Chime XXXX Bank for almost 3 years now. I have had and maintained a checking and savings account with them since the beginning. About 10 months ago I decided to open a Chime XXXX XXXX account because it promised to help me build my credit. And I have always made my payments on time and even their representative tells me that my account is and always has been in " excellent standing. '' Besides I also have a safer credit builder feature turned on within the app so if I do forget to make a payment, it is supposed to automatically make the transfer into my credit account for me. However on XX/XX/XXXX, I bought a new cellphone. I downloaded the Chime app and tried to log in to my account. The app kept denying me access telling me that I had an " incorrect password. '' But I know for a fact that is the correct password because in almost 3 years, I have never changed my password. So I call customer service on the XXXX and try to get my password reset. The representative I spoke to never sent the password reset link to my email. I checked my spam and trash and every email account I have. Nothing. So I call again Saturday the XXXX and same thing. No password reset email. So I forget about it until Monday the XXXX because I figured Sunday is XXXXXXXX XXXX day. I call Chime again on Monday, mind you, this is the third time I have spoken to them now and this representative, " Oh I will send you a password reset email, '' but low and behold, it never comes. So Tuesday the XXXX rolls around and at this point I am angry when I call because it shouldn't be so hard to reset a password. I have verified my identity to everyone at Chime and anyone in my vicinity so many times, that in my frustrations I tell the representative, " I am not allowing you to put me on hold or hang up on me until this problem is resolved and I have access to my account, so if you need to put me on hold you better let me hear the receiver of that phone tap your desk because if I hear hold music one more time, I'm coming through this phone. '' He actually listened and didn't put me on hold at all. He finally sent me a link to reset my password on the XXXX of XXXX. I did what I had to do and didn't think much of it until XX/XX/XXXX when my XXXX XXXX XXXX alerted me that I had taken an overall 88 point drop in my credit score. I opened it and found that this occurred because while Chime had me locked out of my account they made a false and negative report to the credit bureaus and stole 88 points from my credit score. I called Chime right away, and they admitted the error was on their end. They also verified that my safer credit builder feature was on the entire time. That my account is and always was in good standing and that they would escalate this to their credit department and fix this issue by XX/XX/XXXX by adding that 88 points back to my score. But on XX/XX/XXXX XXXX XXXX informed me that there was new activity on my account, so I checked it. Chime reimbursed me, but only for 66 of the 88 points they owed me. AND THEN AGAIN, on XX/XX/XXXX ( just yesterday, ) stole that 66 points back again. Leaving me with an overall 88 drop in my credit score. I called them immediately yesterday but it was very apparent that they we're just going to send me back through the same cycle as he began saying, " These matters are handled by our credit blah blah blah. '' Here 's the thing- I have emails from their credit department telling me their going to fix it. They haven't yet. My credit score matter a lot to me because I have worked very hard to bring it up almost 200 points in two years and I am trying to buy a home. It was a blow to my self pride and it wasn't even my doing. I feel robbed and defeated. My credit score was a XXXX before they attacked it- now it's at XXXX. It's really unfair, especially because they never should have touched it to begin with. So after over probably 4 hours total on hold with Chime since XXXX, and no resolution, I am reaching out to you. I would really appreciate any help in this matter. Thank you.
03/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 22314
Web Servicemember
I sent this letter to CHIME about a transaction that took place on XX/XX/XXXX that was done according to their bank investigators by ATM card at a XXXX XXXX bank ATM. I looked up the XXXX XXXX location on XXXX XXXX and I'v never been to that branch. When the activity took place I had my ATM card in my possession and responded to the alert that I received from CHIME immediately by speaking to an agent telephonically. After my conversation with the CHIME agent I was informed that they would initiate an investigation, again this was on XX/XX/XXXX. Between XX/XX/XXXX and XXXX CHIME conducted two investigations, the second one at my request, and they denied my claim both times stating that, " 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 ''. Well I'm sure that the fraudulant activity was done and whoever did it is obviously good at their trade but I assured them it wasn't me! Additonally at the same time that the ATM theft was done my XXXX accounting manager had contacted me and said someone unknown had emailed her and tried to redirect my direct deposit from CHIME to another account but since she didn't recognize the email address she notified me instead of making the change. I informed CHIME of this and provided them with the documentation from my accounting manager and they still denied my claim! In closing as a consumer and client of any banking institution we expect any funds intrusted to them will be handled in a safe secure manner and should any loses inccured due to their negligence or inadequate security measures be reimbursed immediately. I am adding supporting docmentation I provided to CHIME with my dispute for your review. Thank you for you assistancein this matter. This is the email sent to my Direcor of Finance : Hi XXXX, I wanted to give you a heads up that I received what I believe is a fraudulent email from someone pretending to be you attempting to get me to update your payroll direct deposit banking information. I have ignored the request and blocked the address, but I though you should be aware. The email is identifying with your name as the contact, but the address itself is clearly not you : XXXX XXXX | XXXX XXXX. XXXX of XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington D.C. XXXX Direct : XXXX @ XXXX | @ XXXX Member of XXXX XXXX XXXX XXXX XXXX # XXXX in XXXX by XXXX XXXX XXXX XXXX World Best Awards XXXX Gold Ranking by XXXX XXXX XXXX XXXX XXXX Best Hotels This is my letter to CHIME ; Good morning team CHIME, I am contacting you today concerning my account, XXXX XXXX acct. # XXXX. I recently submitted a dispute # XXXX that shows a withdrawal of {$500.00} from I assume an ATM by method of CNP or card not present, that I didnt make or authorize. I reported this illegal transaction immediately, less than an hour, by phoning and speaking with a Chime agent. Therefore, I am perplexed as to why I am not being re-imbursed my funds for a fraudulent withdrawal for which I didnt authorize, being that I had my only ATM card with me, and I do not share my PIN with anyone? I am also attaching an email from my Area asst. Director of Finance that shows an attempt to defraud me of my paycheck using the ATO, Account Take Over, method at the same time of the fraudulent card activity. Fortunately, she caught this! I commend your team on their expertise at recognizing and preventing any further financial hardship to me because of this fraudulent activity but, with the additional mitigating and extenuating information provided to show there was an all-out cyber-attack on my account I am imploring you to reconsider your decision to prevent me from contacting my legal aide to litigate this matter. XXXX XXXX XXXX | XXXX of XXXX XXXX XXXX XXXX Washington D.C. XXXX XXXX XXXX, Washington D.C. XXXX Hotel : XXXX XXXX @ XXXX | @ XXXX Member of XXXX XXXX XXXX XXXX XXXX # XXXX in XXXX by Travel + Leisures XXXX World Best Awards XXXX Gold Ranking by XXXX XXXX XXXX XXXX XXXX Best Hotels
07/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 34482
Web
On XX/XX/XXXX around XXXX XXXX I got a notification sent to my phone stating that there was a charge made in XXXX that had put me way over my overdraft limit. The charge with me to a gas station in XXXX Florida about five hours away from where I was in the amount of {$140.00}. This is not only over my overdraft limit its {$20.00} over what they cover which means the shouldnt have even approved the charge in the first place. This is unusual because even there agreements have stated that you can not make a charge over the amount of their spot me limit which is there a equivalent of an overdraft protection. I immediately called the bank to report the information as a fraudulent charge. Even though I was calling them at the exact time of the purchases being made they told me I still had to wait until the charge was no longer pending. I asked them to please make a documentation that I was sitting at work in XXXX and waiting for them to respond about the fraudulent charge. They assured me that they documented that was what happened and to call them back when the charge cleared. I then at their prompt did my own personal research and found the store in which the charge was made I found that it was a gas station near a XXXX and filed a report with the XXXX Police Department in that area. When the charge finally cleared I sent in the report. In less than an hour they responded saying that they were not gon na go through with my dispute. I asked them what other information they needed and it was mentioned that I could probably provide documentation about me being at work. I provided proof that I was at work at the time of purchase and a picture of a map showing how far away the actual charge was made. After this I got another response saying that there was still not enough information to show that I did not make this purchase. I re-filed a police report with the police department in my area at the request of the other police department. I resent the information to them and the documentation showing that I was at work at the time of the purchase. When I made a call and they also stated that I still dont have enough information I started doing more research on my own I looked at the past police reports Ive made in regards to the situation and found that the same charge that happened to me two months ago happen at the exact same gas station. The last time this happened I asked chime to flag that store as fraudulent. These charges do not fit my pattern of spending as its at a gas station in XXXX in a completely different town for an amount close to {$150.00} I only make purchases of up to {$40.00} in gas and I have made the same purchase of gas pretty much every week for the last year that I have been a client with chime. Chime is aware of the situation and still continues to not do anything about it despite multiple attempts on my end of trying to get them to stop someone from using my card at that station. Theyve gone so far as to send me another card acknowledging that I needed a new card due to a fraudulent activity but will still not except that the charges were not made by me. This is honestly set me back behind all my bills including my groceries that I need to feed my children. I have articulated this multiple times and tearfully requested that they please assist me with my with this charge. I have all the documents I sent them and the conversations that where through e-mail and chat. I have proof of employment and schedule at the time of the event. All of this has been sent to chime for investigation. Despite my items they will still not tell me why I am still being rejected for my dispute claim they keep saying that theyre going to send me the information but even though they communicate through email they will not send me the information or talk to me on the phone about it they put excuses saying that the investigations department has no phone number to reach them at and state that they will have to put in a request to send me the information through the mail.
12/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48204
Web
I received an alert from XXXX XXXX on XXXXXXXX XXXX,2021 about an added remark and balance increase for XXXX $ from Chime. I have a debit and secured credit card from chime..my report from chime to the credit bureaus have in good standing reports but no points added to my credit score since I been a card holder.. then when I started inquiring to do rental applications again for housing I noticed the same pattern of behavior that whoever is doing this fraudulent activity knew the place I was doing a rental application at which is XXXX XXXX in XXXX Michigan runs and credit check and goes by your credit score and credit card debt to consider if your approved or denied.. I didnt know this until I came in the office on my appointment date for XXXX XXXX,2021.. I knew the activity alerts was suspicious and fraudulent because I dnt owe XXXX $ and have not used my card.. this fraudulent balance reported to all three credit bureaus caused my credit scores to drop from the XXXX to in the XXXX from XXXX, XXXX from XXXX and XXXX I filed a dispute with the credit bureaus and it was very hard for me to make a live operator contact from my phone number that I believe is hacked now tooXXXX I also contacted chime myself and was instructed to email chime at support@chime.com regarding my concerns.. I was also told by the chime representative when I contacted chime card services phone number ( XXXX ) XXXX and said my balance is XXXX $ and XXXX in good standing, I asked to be emailed a document stating this and was told to email support@chime.com.. chime.com.. I received another email from chime support services on XXXX XXXX2021 stating the information reported is accurate after conducting an investigation, I emailed chime support again and stated I disagree and that I didnt receive any documentation regarding where this debt come from that chime claim is mine and I had no transparency I checked my XXXX credit report due to getting an alert on the same date chime emailed me XXXXXXXX XXXX,2021 and seen chime contact information has been compromised the contact phone number was changed to ( XXXX ) XXXX and address XXXX XXXX XXXXXXXX XXXX, XXXX XXXX which is fraudulent on my XXXX XXXX the correct phone number for chime is ( XXXX ) XXXX and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, the contact information for chime on my XXXX report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone number ( XXXX ) XXXX, and chime contact information on my Transuion report is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and phone number ( XXXX ) XXXX this is intentionally done, I was told by XXXX XXXX I would have to call the credit bureaus and remove any freeze and fraud alerts to do a credit check and so I contacted XXXX first to have this XXXX and asked for my account to be noted temporarily and that XXXX XXXX is running a credit check for housing on my name.. I tried contacting XXXX XXXXXXXX XXXX,2021 and couldnt get through and Im going to still try the pattern of fraud I noticed is the name of the creditor and original creditor will be compromised and contact information so when the credit bureaus contact the phone number and addresses given it will be told its accurate coming from the scammers. I also had XXXX $ taken from me earlier in the year, and chime never added any points to my score when the whole purpose was to show Im building credit in my name and now the first time I seen anything concerning points from chime is a hugh decrease and a good remark In Good Stand and current but my points doesnt reflect there words and business advertising this behavior have caused my name to be slandered and livelihood in jeopardy of close to becoming homeless when I have sent my landlord a 30 day notice to move on XXXX XXXX,2021.. this kind of behavior of identity theft and fraud been ongoing that I continuously have to file reports very stressful. This is not my debt and account number.. it is my name that is the only thing accurate
05/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MN
  • 55104
Web Servicemember
This is a new dispute with additional information I submitted a transaction dispute with Chime because I received items that were materially different then described. I even offer the merchant to return the items but I refused to pay for shipping back to the merchant. Chime said they did an investigation but did not provide me any documentation supporting that, but they also did not TILA and Regulation e dispute process and took an exceptionally long time. The other party is providing false documentation with conversation details that never happened. They are committing fraud and Chime is not taking the matter seriously. My entire dispute is in the attached document. Chime has not provided me with the documentation to show why my dispute was denied. This item was sold to me as Like New -- but the item was heavily used and did not come with all the components and programs I was told it would come with. This item is/was Significantly Not as Described The seller even told me the consumer to go and purchase programs to overcome difficulties with the system that were not disclosed to me By XXXX listing guidelines for product conditions my purchase would be considered Salvage. Article 2 of the Uniform Commercial Code ( " UCC '' ) governs the sale of goods. According to UCC 2-314, a warranty that the goods shall be merchantable is implied in a contract for their sale if the seller is a merchant with respect to goods of that kind. An implied warranty of merchantability may be excluded or modified by words or conduct subject to the provisions of UCC 2-316. The product I was provided had significant issues, even to the effect that the seller told me to purchase additional items that I was originally told was supposed to be installed and apart of the computer device I bought. XXXX has denied my dispute based on the fact that I made alterations to the devices by installing XXXX XXXX. As you see in the image above, the seller told me to do this. As you see in the image below, XXXX refuses to honor buyer protection when alterations or repairs are made without consent. Clearly, I had the sellers consent to do this and I thus should not be blocked from receiving a full refund. 2-513. Buyer 's Right to Inspection of Goods. ( 1 ) Unless otherwise agreed and subject to subsection ( 3 ), where goods are tendered or delivered or identified to the contract for sale, the buyer has a right before payment or acceptance to inspect them at any reasonable place and time and in any reasonable manner. When the seller is required or authorized to send the goods to the buyer, the inspection may be after their arrival. Under 2-513 it becomes very clear from this statute I had every right to inspect the items upon arrival and to see what was going on with the items. I even notified the seller directly about this, and the seller never responded to my inquiries about the quality of the product. This is also a violation of my rights. 2-714. Buyer 's Damages for Breach in Regard to Accepted Goods. ( 1 ) Where the buyer has accepted goods and given notification ( subsection ( 3 ) of Section 2-607 ) he may recover as damages for any non-conformity of tender the loss resulting in the ordinary course of events from the seller 's breach as determined in any manner which is reasonable. ( 2 ) The measure of damages for breach of warranty is the difference at the time and place of acceptance between the value of the goods accepted and the value they would have had if they had been as warranted, unless special circumstances show proximate damages of a different amount. ( 3 ) In a proper case any incidental and consequential damages under the next section may also be recovered. 4-214. RIGHT OF CHARGE-BACK OR REFUND ; LIABILITY OF COLLECTING BANK ; RETURN OF ITEM. Chime also states that I will owe {$1500.00} for a balance that I disputed and did not receive provisional credit for this is misleading and TILA requires them to provide accurate information at all times.
11/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MO
  • 64131
Web
On XX/XX/2023 I received 4 notifications at XXXX, XXXX, XXXX, and XXXXXXXX XXXX on my physical phone letting me know of 4 transactions that were made at XXXX XXXX XXXX XXXX XXXX in the amount of {$400.00} total. Since I was currently on the way out of town and did not authorize those transactions I immediately called my banking institution Chime financial partnered with XXXX and XXXX XXXX to report the unauthorized transactions. I reported the unauthorized transactions and was told my card was being deactivated and I was being sent a new one one the mail but that I would need to call back when the transactions were no longer pending in order for me to dispute the unauthorized charges. I waited a few days for the transactions to settle and once they were no longer pending I called back Chime financial partnered with XXXX and XXXX XXXX to dispute the transaction. I was asked a series of questions pertaining to the transactions. I let them know that no I did not authorize the transactions but that my physical card was not lost or stolen. They than told me that they would open an investigation to determine if there was an error with the transaction and that I should submit any evidence I had to prove that I did not make the transaction. I went to the business where the transactions were made XXXX XXXX XXXX XXXX XXXX which is a gas station. I told the clerk that my card had unauthorized transactions at this location and asked if he could look up the transaction and provide me with information, a receipt, or possible video footage. The clerk told me that I needed to call the XXXX headquarters because they have been having issues with their gas pumps being compromised and that's how my card was charged but would not provide me with a receipt or any info about the transactions. I than called the XXXX headquarters where I was than told that they only the location itself could provide reversing transactions but that they are aware that that location is using compromised gas pumps and have told them they need to get new equipment but they have not. They also told me that they couldn't provide me with information about the transaction but if my financial institution were to reach out they would provide information to them. I than called back Chime financial partnered with XXXX and XXXXXXXX XXXX and provided them with the information I gathered about the transaction including the contact information for the XXXX headquarters. I was told that the investigation team would look in to the case and a determination would be made within 90 days. I received an email later on that day from Chime financial partnered with XXXX and XXXXXXXX XXXX stating that they had completed their investigation and found that no error had been found with the transaction and therefore my dispute was denied and I would be responsible for the {$400.00}. I immediately called back Chime financial partnered with XXXX and XXXX XXXX wanting to know why my dispute was denied. They told me that they only the investigation team could answer those questions but you can only contact by email but that I could appeal the denial and provide more supporting evidence. This went back and forth for a total of 5 appeals. I provided as much information as I could but since the gas station wasn't cooperating it wasn't much. I did file a police report about the incident which I provided to the investigation team and also a copy of my credit card statement showing transactions on that same day out of town trying to prove that I was out of town at the time the transactions were made. I finally got a response from the investigation team as to why my disputes were being denied and it was just a transcript of the series of questions I answered in the original call I made to report the transactions. As my financial institution Chime financial partnered with XXXX and XXXXXXXX XXXX should protect me against fraudulent transactions that I did not authorize and help me get my money back.
10/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • AZ
  • 85017
Web Servicemember
When I first moved into my apt in late XXXX of this year I got robbed for most of my possessions. My phone was one of the items stolen. My bank account is with chime bank and to operate an account with them one has to have a phone and you manage your account with your phone through their app. Im a veteran and my only money is from my XXXX check I get each month. It was direct deposited. I dont have a debit card for chime. What I would do is send money from my chime account to my XXXX account when I got paid. The ppl who stole my things attempted to access my account but were not able to. But because of whatever they were doing or attempting, chime suspended my account. The department of veterans affairs is who sends me my money monthly. They dont send money to suspended accounts. So they attempted to issue paper checks to me. I got one of them but after that I was unable to get my funds because the address they were mailing it to was my old address ( us vets ) and someone there did a return to sender which made things very difficult for me. What ensued was nothing short of terrible for me and I ended up not getting my monthly funds for three months and some change. Without a car and my phone I had been utterly stranded. I have no friends or family where I live. I went to the VA and changed my address they had on file for me to my current address. I also unsuspended my account over the phone with chime and then had the VA ppl change it back to direct deposit. To complicate things, when ppl would send me mail XXXX wouldnt receive the mail. The post office would show mail was delivered here but it wouldnt be in my box. Essentially someone here at my apt was apparently taking my mail. The property manager and his wife are the only ones who had access to all tenants mail, as they get a bundle from the mailman and then put tenants mail in the tenants box themselves. So about 2 weeks ago my parents visited me from California and helped me get a phone and a ride to the VA to see what was up with my account. The VA ppl showed me that my account with chime had been getting my last 3 deposits that I hadnt yet received. It took a few days after getting a new phone and setting up new passwords and emails to access my chime account through the app. When I finally got access my heart sank. The bank account, which was supposed to have approximately {$13000.00} was drained by some ppl who had somehow hacked my account. On around XX/XX/XXXX till sometime in early XXXX, these hackers did approx 19-20 unauthorized illegal transfers to themselves and their friends and another bank. I have been sick to my stomach. I immediately called chime to report this fraud. I also made a police report as they suggested. Chime said they would issue a temporary credit within 10 business days. I was unhappy about that but I agreed. I never had any doubt about getting my money back because it was stolen online by hackers. Chime denied my claim. I asked for reasons and to speak with those who did the investigation. They refused to let me. I appealed the decision and it was again denied. Im absolutely devastated. I have no money and no hope. I owe back rent and child support for 3-4 months for each not to mention other bills. Im gon na get evicted and disciplined by the courts for lack of payment. I absolutely need the money that was stolen. My life is so screwed because of this and chime doesnt care and wont repay me. Im so sad and upset. I dont know what to do. I need immediate help from somebody ; anybody who can see this for what it is : an online theft of my bank account through some hacking or something. I really have no idea how these hackers got in because it was so hard for me to get access. I never gave anyone access or authorization or any data for my account. Chime has left me broke and depressed and really hopeless. I desperately need help from you guys. Please please help me with this problem that has destroyed my life.
12/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85040
Web
I'm going to call the Consumer Financial Protection Agency and report you for not adhering to the law set in place for situations like this.I reported to you that I had unauthorized charges on my account on XX/XX/21 for the amounts of XXXX, and XXXX for a total of XXXX. All these charges were done on the XXXX of XXXX. They were done at an ATM all within an hr of each other and when I discovered the charges I attempted to dispute them with the merchant while they were still pending, however they were unwilling to work with me because the transactions had already processed so they referred me to my bank. Even though the merchant showed the transaction to have went thru I had to wait almost an entire day for chimes system to go from pending so that I could even file my dispute. I shut off the card, and had a replacement sent, reported my unauthorized charges to chime and expected chime to conduct an investigation into the matter and return my funds to my account in a timely manner. This was during non business hrs that I filed this dispute, around XXXX pm and within XXXX hrs of my filing this dispute, the very next morning I received an email at XXXX saying there has been a decision made denying my dispute and closing my dispute, and requiring me to not only wait for the documents used to determine their decision, but also that for them to reopen my dispute, not only would I have to provide them with evidence that would show something different from what I already told them, but that they would not open the dispute otherwise, and basically you're screwed. I'm the victim in this situation and protected by law, Chime is my bank and should be supporting me in getting my money back, but instead they choose to disregard my problem and tell me they're not going to assist me, or at the very least look into it properly. Chime has not done a fair or full investigation, because only one business hr into the first day of my dispute is not a reasonable amount of time to have done a proper or complete investigation. I don't believe Chime has acted in good faith with me or even looked into the matter at all. By law the burden of proof is not on the consumer to prove they have been victimized, but on the merchant to prove that there was no wrongdoing.I should have been given a provisional credit for the amount in question until a full investigation had been completed, and not had my dispute dismissed out of hand as Chime did. I entrusted you with my money from my job, thru direct deposit, expecting some form of protection because that's the purpose of a bank and instead I have been treated unfairly and with no consideration that all my money just got stolen, told that my dispute is denied, and then closed before my morning coffee was finished. You never even attempted to contact me with follow up questions or to discuss my dispute. I feel like Chime doesn't care for it's customers and that I have to appeal to a higher authority to correct this situation and recover my money, because Chime has not chosen to be fair and is attempting to treat me as if I didn't matter. I've emailed back and forth with member services and called and spoke with the dispute department and been given the same unacceptable answer, and told I would have to basically prove that the charges were unauthorized for them to reopen my dispute, even while I'm clearly telling them they are not authorized. It's baffling how I have to jump thru hoops and hurdles and provide proof that I was the victim to my own bank, and that without proper investigation how they have chosen to deny me the protections offered by law, which say that at the very worst I would only be responsible for 50 . To be fully responsible for the total amount and treated so unfair in the process is unacceptable. I want Chime to adhere to the law and get me my money back. It's sad that I have to resort to this to get some type of results that are fair.
10/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 77515
Web Older American
On XX/XX/XXXX I checked my emails like I always do in the evening and I had one from my bank, Chime. The email was for telling me my account had been closed. I had a credit builder account and a checking account. Well, right away I tried calling but I couldnt get thru, the only way you can get someone on the phone is by having an account. So I called my son who also uses chime and asked him to call chime 3way so that I could talk to someone. So I was able to speak with someone finally the second time we called and all they could tell was that my account was closed because I was not in compliance with the chime agreement. But I dont know what this means so I have sent them id say about 10-15 emails trying to get someone to tell me exactly what this means and what it is Ive done I let them know that I had lost my wallet with all my cards, including my SS and drivers license. I let them know that someone had been using my identity and was using my XXXX XXXX, XXXX and my XXXX to purchase XXXX I think it was. Anyway I was getting emails and notification on XXXX XXXX from people requesting payment from me. i didnt know these people and didnt owe them anything, so I started chatting with XXXX XXXX and XXXX about these people requesting payment from me and they were going to investigate this and take care of it. Well I told chime this but they still stuck with the i was not in compliance with the agreements of chime. So right away on the XXXX XXXX of XXXX I called the social security office to change my direct deposit because chime had closed my account. So the lady I spoke with told me that because it was so close to the end of the month my check would still be deposited into the chime account and they would have to send it back to social security and then they would deposit it into my new bank. Naturally I was very upset about this, but when I checked my credit history in my new bank account mobile app, I was extremely mad!! These people reported that I left owing them {$160.00}! They put this amount in my credit history. There was no way I couldve taken this large amount of money from them because I didnt have overdraft privileges. They offer this account they call spot me With this spot me they start you off with {$20.00}, then they give you XXXX {$5.00} amounts that you can give to five different people that have a chime account. So you give your XXXX {$5.00} spot me amounts and then wait to see if any one of those five people will send you {$5.00}. If they do then your {$20.00} Spot me goes up to your {$20.00} plus however many {$5.00} amounts you get. And this is money chime gives you every month to give away to other chime members. The most I ever went up to was {$30.00}, but the overdraft was paid back as soon as your next deposit hit the bank. Ive tried over and over again to get someone to to tell me why theyre claiming that I owe them this {$160.00}, but no one tells me anything except I was not in compliance with chime rules and regulations. I think I remember reading in one of their emails something about fraud, in other words that I committed fraud. Im XXXX XXXX XXXX I m barely able to spell the word let alone do it or commit it or whatever the proper words are. Its like I told them, I dont play games with my money. If I had done what theyre claiming I did, I would have left their bank and changed my direct deposit to another bank way before they wouldve had the chance to close my account themselves, and had to wait on my money an extra week! Bottom line is this ; I DID NOT TAKE {$160.00} FROM CHIME AND I DID NOT DO OR COMMIT THE FRAUD THING THEYRE CLAIMING I DID. And one more thing, I have an email from XXXX stating that they paid a {$32.00} dispute to chime on my behalf, well chime never gave me this money and they didnt send it back to XXXX XXXX The screenshots of the email from XXXX are about XXXX Im not sure if I put them in the right order.
04/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • MS
  • 38637
Web
To Whom This May Concern : On XXXX XXXX my banking account was compromised through Chime Member Services. They stole my DL info and the last 4 of my social as if my account would be temporary closed if I didnt not give the required info ( everything always done via email ), then proceeded to steal funds from me, totaling over {$3000.00} ( as of XX/XX/XXXX, I dont know the amount at this time ) After my account was emptied, Chime allowed me re-access using the same technique and info the impersonator used, even after I requested CONTINUOUSLY pleading to Reps over the phone ( please check ALL my phone records, the agents DID NOT Due diligence with security protection ) to have AT LEAST 3 verifiable forms of IDENTIFICATION added to my account as well as a pin if possible..it was always maam we are escalating this, no response back when I had them off the phone. Once I requested to close the account ( for the 4th time as of XXXX ) so no other funds will be deposited and I awaited the disputes from what was originally stolen to be sent via check to my home, the account was reopened IMMEDIATELY as of XX/XX/XXXX after the funds was deposited into the account. Why would they deposit funds into an account that was supposed to be closed? And who would know that was getting processed besides Chime? I really wonder. While on the phone with an agent to resolve, the money was transferred from the account They had stolen from me again! From what I know, the account is STILL OPEN without my permission and they have not refunded me back any money I worked hard for taken during this nightmare. Chime responded to the BBB that they put a provisional credit on the account but I could never EVEN USE THE MONEY BC I could not get in my account! The email and phone number was changed so many times and I feel it was all a distraction. I feel ripped off and cheated when Ive been so loyal to this company and referred many people. The disputes that I filed XX/XX/XXXX from fraudulent charges were CANCELLED a day after I filed ( XXXX ) and new disputes were started up. I lost total control of my account as of XXXX XXXX. I can not get in the account, and have not made a transaction since XX/XX/2021. Please review all attachments. Requests dating back to XXXX XXXX XXXX and I HAVE HEARD nothing from NO ONE at this point about a resolve. CHIME requested me to change emails and phone numbers so the hacker cant get in, but XXXX ; everything is switched again and they have taken over my account once again. I am very fearful this will never get resolved and I will never get the account closed nor my money back no matter how many times I have sent it in writing via US mail or email XXXX. The Fraud Dept never reached out to me after MULTIPLE ASSURANCE THEY WILL CONTACT within 48hours An Agent informed me that my phone number and email was associated With a close account by the name of XXXX, but my DL info and social was on a different account?? My account? The one that keeps getting hacked when it was supposed to actually be closed? Sounds very inside job like to me. Please see attachment. I have made a police report and spoken with the news because I am sure this has to be a Class lawsuit and I am NOT the first one this has happened too. My account has been reopened AFTER SEVERAL emails of me requesting it to be closed as of XX/XX/XXXX. Why would I have to go through such lengths to protect my name and my money moving forward? I really trusted this bank and disappointed that THE ACCOUNT IS STILL OPEN, and Im left with NOTHING but children I still have to take care of! Please help I have all documentation needed if further furnishing is required. I have sent a first class signed affidavit of the statements listed above to the bank in questioning with a 3 day response to no avail. Please help me make things right for me and my family. XXXX XXXX XXXX # XXXX Email : XXXX XXXX
08/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 90606
Web
After reviewing my monthly statements i noticed a transaction from Usps PO in thee amount of {$150.00} posted on Friday XXXX thee XXXXXXXX XXXX @ XXXX. I didnt recognize the merchant nor do i remember making any type of payment, purchase or subscribe to any type of services especially for that amount. I used the moblie app to inquire more in regards to the unfamiliar transaction. Upon looking at my statement for the month of XXXX there was not much information on the merchants information such as a Address or Telephone number to contact the merchant. It had vague information such as account description. I then called chime to report the unauthorized transaction. Upon contacting chime i was asked if i lost my card i replied no that i was just reporting the unauthorized transaction abd would like to know if they can give ne a contact number for the merchant. The Agent stated that i would have to look them up since they dont have a number on the merchant. Then shev asked if sometone else in ny household has access to my card and if i had my password or pun numbers written down on a notebook or piece of paper. i replied no i have them memorized because i use my mothers birthday. Then the agent told me i would have to get a different card in the mail and cancel the existing card i had. The proceeds to open a dispute claim that was supposed to take 10 to 30 days to conclude the investigation. It took them half a day to inform me that there was no error in the transaction made by the merchant after contacting them and that my claim was therefore denied and closed based on the evidence gathered in thier investigation. i then asked if i can get the phone number of the merchant name of the person they got in contact with. I was told again that i would have to request copies of the documents used to conclude my claim. which take up to 10 days to process the request. Funny how it took them 1/2 a day to conclude my claim but it takes them 10 days for them to send me the documents used to close my claim. On XXXX the XXXX i finally received the documentation request which was screen shots of my transaction history to look for patterns that shows i have used the merchant in the passs. I know i have never used or approved any type of service or purchase with the Usps. They also used mapquest to determine the distance from my address to the merchant address which i thought not relevant to a unauthorized transaction claim. So basically on top of having to proof didnt authorized the transaction i have to show proof that i didnot go to the location listed in thier document. What can i expect when they have the nerve to ask if i had any reciept to submit as evidence for my claim. Why would inhave a receipt or a invoice of something i didnot purchase or have no clue of what i am getting charged for. up to this date chime cant tell me what i purchased or subscription i got charged for. i reopened my claim only to get the same results. No solid evidence that i authorized, signed or approved the transaction. They still couldnt provide a contact number to the merchant because there was none available at the time. so based on the mapquest address i looked them up and got in contact to the usps. The Usps agent told me it would be hard to find my transaction if i did one and suggested i notify chime so they can file a dispute claim otherwise usps would not be able to help me in any kind of way. So back to where i started with chime having very little reliable information on the merchant. So i called chime to inform them what usps told me and was told to open a rebuttal claim. I was told that it would take 30 to 60 days to conclude the claim based on the type of claim i was reopening. ao pretty much was prolong my case till i go over the 60 days i have to resolve the case. i dont know how to go about this now so i am sharing my experiences with chime support team.
01/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • FL
  • 33486
Web
chime has put a temp hold on my account and I complied and given documentation drivers license, SSN #, utility bill, and other documents to provide showing my income. This messing up my employment direct deposit as I have been with chime for years and now all sudden being questioned with a hold for security reasons. I called 6 times I get through to nobody. They communicate through email with documents that were sent. I got notified on XX/XX/2023 that there was suspicious activity that they wanted to clear up and at that point I can to submit documentation which I did within 5 hours of the email I received. They do state that if I didnt respond within 5 business days could result in my account being restricted. Well now today XX/XX/XXXX I got email stating account is on temp hold for security reasons which I proved that all transactions and activity on my account is me myself along with documentation. Here is the email Temporary Security Restriction Hi XXXX, Were reaching out to let you know that some unusual activity relating to your Chime account has been detected. A temporary security restriction has been placed in order to safeguard your funds. How This Affects You The restriction will remain in place until we can verify some information with you. During this time, you will be unable to complete transactions, receive deposits, use your card ( s ), or login to the Chime app or website. What Is Needed From You To lift the security restriction, please respond directly to this email to verify the following items with Chime Member Services : Your primary government-issued photo ID ( such as a Driver 's License or State ID card ). Please send a copy of both the front and the back of your ID. Proof of Address ( such as a utility bill, cell phone bill, or cable and internet bill ) Next Step : Contact Us Please reply directly to this message to email Chime Member Services and submit your documents for verification. All documents must be in XXXX, XXXX, or XXXX format ( XXXX or other document formats can not be accepted ). Additional items may be requested after initial review. If you need clarification on the requested items above, or would like some help with submitting your documents in the correct format, please let us know and we will be happy to assist. Thank you for helping us keep your account secure, and for being a Chime member. Sincerely, The Chime Team chime XXXX XXXX XXXX XXXX XXXX Chime. All rights reserved. XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please do not reply to this email. The account isnt monitored, and we dont want to miss hearing from you. Chime is a financial technology company, not a bank. Banking services provided by XXXXXXXX XXXX XXXX XXXX Member FDIC. The Chime XXXX XXXX XXXX is issued by The XXXX XXXX XXXX. pursuant to a license from XXXX XXXX XXXX and may be used everywhere XXXX debit cards are accepted. This email was sent to you because you have a Chime account. **They do pick up the phone but its only customer service and the team that reviews the documents only responds by email!! So I called and ask to speak to everyone imaginable and gotten no where! I wanted to life the restriction as its messing with my daily life with everything tied into this checking account and no access to my money when I want to make sure they got the documents that they asked for which was confirmed by customer service rep. But I can not wait 7 business days which I was told for the review process. I would really appreciate if you can help me out here as this is very stressful especially in these times. I given all the documentation and I prove that its me so I cant understand why it takes so long when I have over {$8000.00} in the account and my employment direct deposit that I get biweekly and I cant access anything and everything gets sent back as far as transactions that a debit through direct deposit or bills
07/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • VA
  • 22193
Web Servicemember
On XX/XX/2023, Started receiving emails from CHIME about an account that was opened in my name and using my address. I called CHIME on XX/XX/2023 and informed them of what I was happening. They said I would remove my email from this account. This was sent to me on XX/XX/XXXX : Your completed direct deposit form is attached Send the attached form to your manager or HR to set up direct deposit. * It's that simple. Prefer to DIY? If your company uses a payroll platform like XXXX, you can manually add your Chime routing and account numbers to set up direct deposit. Routing number : XXXX Checking Account number : XXXX Still have questions? Read the blog. The Chime Team Then on XX/XX/XXXX I received this email : Hi XXXX, This is to inform you that the phone number associated with your Chime account has been updated to ( XXXX ) XXXX. If you did not request this change to your account, please contact Member Services at XXXX or ( XXXX ) XXXX immediately. Thanks! XX/XX/XXXX : I received an email saying that I will be mailed a debt card. XX/XX/XXXX : Hi XXXX, We noticed a new login to your Chime account. Date & Time : XX/XX/2023 XXXX XXXX XXXX Device : XXXX XXXX Approximate Location : XXXX, OH, USA If this wasnt you, please reset your password immediately and review your transactions for any unauthorized activity. Chime Member Services is available XXXX if you need any support. Sincerely, The Chime Team XX/XX/XXXX : Hi XXXX, This is to inform you that the email address associated with your Chime account has been updated to XXXX. If you did not request this change to your account, please contact Member Services at XXXX or ( XXXX ) XXXX immediately. Thanks! The Chime XXXX XX/XX/XXXX : Hi, welcome to Chime. Please click the link below to create a password and sign-in. Create a password When youre signed in, you can access these websites. Chime Unidentified Callers If you didnt sign up to Chime using this email address, you can safely ignore this email. After calling them again, I received the following email : XX/XX/XXXX : XXXX XXXX, Thanks for getting in touch. Even though the email you provided was associated with a Chime account, the other personal information we have on file does not match. Your email address has been removed from the account in question. We'll also remove you from any marketing email lists within 10 business days. Were always working to improve our service. If you have any questions or feedback regarding your experience, please reply to this message or call us at ( XXXX ) XXXX. Thanks, XXXX - Member Protection Team Chime Support Today XX/XX/XXXX : After talking with them again, I received the following email : Hi XXXX, Chime has closed the account ( s ) in question per your request to prevent further unauthorized activity. Please note that you will not be held responsible for any unauthorized activity and we will not report any information to external credit reporting agencies regarding these accounts. If you receive a debit card from Chime, please disregard and destroy the card. Here are some best practices you can follow to protect your identity : Place a fraud alert by contacting one of the three credit bureaus. XXXX or XXXX XXXX or XXXX XXXX or XXXX Review your XXXX XXXX XXXX by visiting XXXX or calling XXXX Visit IdentityTheft.gov or call XXXX to learn more about additional steps you can take to protect your personal information, including how to report Identity Theft to the Federal Trade Commission You may choose to file a report with your local police department. If you received a XXXX tax form, immediately report the suspected identity theft to the IRS ; you do not need to report the income or request a revised XXXX form showing XXXX income from them. Please let us know if we can be of further assistance. Thanks, XXXX - Member Protection Team Member Protection Services
03/05/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32086
Web
I had recently had a item that I ordered from XXXX and I never received item furthermore nobody knocked or ring the doorbell. Anyways the company was really bad and they said I HAD 14 days to deal with shipper and since itv took then 16 days by time for them rely as they ( XXXX ) only has email. This order would occurred on XX/XX/2020 I could be off but I have all the relevant info. I explained that this was not in the terms of agreement or warranty of sale or anywhere in purchasing agreement therfore I could and should not be held accountable. They said tough luck and stop responding to my email so I contacted my bank Chime bank or XXXX and, after waiting 4 months for the decision I was told tough luck. I appealed and have given them evidence including images of terms and conditions agreement warranty and it did not state what they told the bank that I had 14 days to talk to XXXX XXXX. By the way due to covid XXXX XXXX was not able to get hold of a person not that it was my job to call the shipper as I did not have any business contact or relationship with them it made no sense. I was upset with their decision and 4 weeks ago I got in a argument with a supervisor and here 's where things get real real weird. I've had chime for over a year and NEVER HAVE I HAD MY CARD NOT WORK NEVER. So I had in fact just used it 2 min prior and it worked. However as soon as I got of the phone my card no longer worked at atm anywhere and in fact my brother and father both of there chime cards worked fine at same atm. They tried resetting my account where I literally had create a new savings account when I logged in and all my money was in checking. Then when card still didn't work I asked them to send a completely new card and that didn't work. I'm sorry I just don't believe in a coincidence that big where all sudden my account has issues I never had after arguing with supervisor. Regardless it if illegal I would imagine to retaliate and mess with my account. This caused a 2 transaction where I had funds available to for some reason be declined as well to my broker. This caused a margin call and now I lost money because of this banks supervisor and their retaliation against my account. I need a full investigation done into my account or I will just have to sue chime as I'm certain they did something because I called back and I'm 98 % certain I got the same " supervisor " because A he sounded identical to other guy i myself am XXXX and so the 1st guy spoke XXXX and this guy sounded identical yet he denied knowing XXXX but its no way that was truthful. Then he said he was a XXXX I've never had anyone at a bank act like this and this man needs to get charged. What he's done is a CRIME! IT not not be lot lot money but it's the principal I lost XXXX on a bad decision they made an illegal one if you ask me as I thought they had to have a valid articulated argument but they didn't. Furthermore the behavior of this gentleman has left me speechless. I've never had a supervisor do that and then I called back and I am certain he lied and was the same guy so I can't call the crooks that robbed me to help me. I'm hoping with proper info you can help. Let me know what you need from me. to arguing with the supervisor and told them they needed to articulate a legal reason as to why my claim was being denied which they had not done. They just sent a highlighted receipt that XXXX sent saying delivered by XXXX but under it clearly says signature not required. Here 's where chime should also seen this item retail is XXXX $ depending on model I got veteran discount so it was XXXX XXXX I feel known the price of the item at minimum they needed to make their shipper aware of the importance of getting signature or at min ring doorbell and get visual confirmation from 6ft. None of this was done it was left unattended during covid when they know this has been an issue!
08/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MO
  • 64138
Web
This is in response to the response given by the institution on my last complaint, Chime has failed to properly investigate my disputes, ignored requests for proper documentation and a valid reason for denial of claims. As a consumer I have a right to file a chargeback in the following circumstances Fraud or unauthorized charges on the account. Orders that were never delivered. Merchandise that arrives damaged or defective. Orders that do not reflect what was purchased. Incorrect charges ( additional charges or incorrect totals ). In regards to Dispute XXXX Chime has continued to fail to investigate, provide a reason, and supporting documents used to support their denial or honor my chargeback/dispute rights backed by XXXX. I request my money back for the amount of XXXX. I have submitted supporting documents regarding the disputes and the shady practices performed by the merchant and how they have blatantly violated VISAs rules and Policies all of which Chime proudly says I am protected by. Chime has already failed to comply with their obligations on this dispute. I have proof that Chime has failed to provide supporting documentation or a valid reason to deny this claim within the 10 day time frame they are required to. In regards to Dispute XXXX Chime had failed to investigate properly, provide supporting documents for their denial or honor my chargeback/dispute rights. Chime decided to deny my claim of unauthorized transactions without properly investigating the supporting documents supplied by only 1 of the 4 vendors in question. They have failed to address how my card was charged 7 times in under a minute by two different vendors with a similar name who also failed to provide supporting documentation to validate one of the charges they did not willfully refund. They have failed to address how this same vendor charged my card for the same amount in under a minute, did not provide a refund and did not provide supporting documentation to validate the charge. They have failed to address charges not associated with the vendor who did provide documentation and did not provide any supporting documentation or reason to validate the charge. In regards to 9 of the charges that documentation was provided by the vendor, this vendor has blocked access to the account has not attempted to communicate with me at all and I have no way to contact them, based on that premise, I do not have access to the supposed purchases chime says I made and now own. Based on that alone I am entitled to a chargeback. It is CLEAR THEY ARE NOT REVIEWING COMPELLING EVIDENCE AS I HAVE DISPUTED WHAT WAS SUBMITTED BY THE VENDOR. And using evidence from one vendor as an excuse to deny charges am from a totally different one. In regards to Dispute XXXX They have failed to investigate ANY charges dated XX/XX/2023 from a vendor currently in dispute. I have 60 days to dispute billing charges from the time that I receive the statement. The charges they immediately denied appeared on my statement delivered in XXXX, there should be no reason why they were not handled in the same manor as the other charges attached to this dispute. Chime continues to pick and choose what rules and policies they wish to follow. Again not honoring Visas practices. No matter what evidence or documentation that I submit, it is clear based on the responses that I am getting that NO ONE is really investigating my claims. I have provided proof of the merchants in question shady business practices, how I have been prevented from using my purchases, and how the merchant has violated rules set forth by VISA and who Chime is refusing to do their part to hold them accountable. I am a victim of a fraudulent merchant and should be protected by financial institution. I want chargebacks filed on all the requested transactions and access to the money that was taken from me.
01/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 78227
Web
While incarcerated at the XXXX XXXX XXXX XXXX XXXX ( XXXX ) awaiting case disposition from XX/XX/XXXX to XX/XX/XXXX, I became the victim of identity theft. As a condition of deferred adjudication I was further remanded to attend a 90 day inpatient rehabilitation facility, XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. This incidence of identity theft consist of the individual hacking into at least two XXXX accounts, stealing my credentials and gaining access to my XXXX XXXX XXXX XXXX XXXX XXXX unemployment, Chime and XXXX accounts and submitting fraudulent change of addresses and the use of a XXXX XXXX XXXXXXXX XXXX and theft in the total amount of {$11000.00}. Of the {$11000.00}, {$9300.00} was through Chime via ACH external transfer to an account held at XXXX XXXX and {$2000.00} withdrawn from my XXXX XXXX XXXXXXXX XXXX. Unemployment payments fraudulently stolen total {$7000.00} of which {$5000.00} occurred through Chime. Funds in the amount of {$4200.00} were withdrawn from Chime on XX/XX/XXXX, the date of initial theft, and consist of {$1400.00} from the IRS received XX/XX/XXXX and other funds available prior to XX/XX/XXXX. My legitimate unemployment claim began in XX/XX/XXXX, shortly after the XXXX pandemic began. This complaint is being filed against Chime as a result of Chime 's failure to find the transactions that occurred through my account erroneous and fraudulent in nature and to return the stolen funds to me. I have provided ample and sufficient evidence to Chime to prove that I was detained at XXXX, remanded to 90 days treatment, and to document the fraud including emails, correspondence indicating an unemployment overpayment of {$5500.00}, police reports, federal reports ( to XXXX, FTC and the IRS ) and affidavits/sworn statements regarding the identity theft, and to further prove that I did not and could not have authorized nor initiated the fraudulent transactions that occurred through my account. When I was released from jail, on or about XX/XX/XXXX, I called Chime and was informed my account balance was {$0.00} ; I alerted Chime of the fraudulent activity and asked for my accounts to be frozen and filed a dispute. Due to the nature of the rehab program, I was unable to effectively communicate with Chime to further the dispute and the case was closed by Chime on or about XX/XX/XXXX. I initiated a dispute with Chime when I finished rehab and regained online access to my Chime accounts on XX/XX/XXXX. Chime 's positions is ( 1 ) I did not report the incident of fraud within 60 days of the first occurrence ; ( 2 ) the deposits from XXXX were recurring and the immediate withdrawal by external transfer on the date of deposit was not suspicious and was " expected '' ; ( 3 ) a sole XXXX accessed the account to conduct the fraud and never presented login errors with Chime. My position for this complaint is ( 1 ) due to my incarceration and remand to rehab, the 60-day period does not begin until either my date of release on XX/XX/XXXX or XX/XX/XXXX when I physically saw the XX/XX/XXXX statement with a XX/XX/XXXX date ; my report of the fraud on XX/XX/XXXX is within the 60-day period ; ( 2 ) it is apparent my account was used as a pass-through account for the fraudulent activity which is unlike my normal banking activity ; ( 3 ) the XXXX was never used prior to XX/XX/XXXX nor after XX/XX/XXXX, and is not owned by me ; ( 4 ) Chime is downplaying this incidence of identity theft and fraud and is not reporting the incident adequately to law enforcement. Additionally, Chime has failed to provide documentation it relied upon in making its determination that I requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. At all times I have made a good-faith effort to resolve this issue with Chime. Additional specific information regarding transaction amounts and dates is provided in the attached documentation.
04/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32835
Web
Starting from the beginning, ( Involving both Chime & XXXXXXXX XXXX ) in XXXX of XXXX, I opened a bank account with XXXXXXXX XXXX online & I was in the process of moving to another city due to a promotion at my job. They sent my debit card to my old address in XXXX, FL so I was unable to access my account online to update anything bcz it required my debit card #. So the account was inactive for awhile & once I finally found a place & had my own address again, I went in to XXXX XXXX location on XXXX XXXX XXXX XXXX, FL to update them on my new address & get a new debit card issued to me. The representative Never told me that my account was on the verge of being closed & that was on XX/XX/XXXX. I left the bank & went home to update my employer with my routing & account numbers for Direct deposit. At the same time I wanted to make sure my rent payments would come out of my checking account with XXXX because the property management company only accept checking/savings account info to make payments through their website. And most importantly, I set up a transfer from CHIME TO XXXX of my rent payment in the amounts of $ XXXX {$620.00} & {$20.00}. All to cover my {$1200.00} rent payment that was due to be withdrawn out of XXXX on XX/XX/XXXX. Without notification from XXXX XXXX they closed my account on XX/XX/XXXX. So, my transferred funds from Chime kept being Rejected, my very first rent payment was sent back to my landlord with the notation the the account was closed BY XXXX XXXX ( And That Was NOT True! ) And my direct deposit from my employer was held until yesterday XX/XX/XXXX at XXXX they sent it back to my employer & I will not receive my reissued check until XX/XX/XXXX. Between the dates of XX/XX/XXXX & XX/XX/XXXX I was told the direct deposit had already been sent back, my employer updating me daily that they had not received it yet. All to find out they had my Direct Deposit THE WHOLE TIME & just sent it back on XX/XX/XXXX. Now, the whole time, I'm being charged {$100.00} for NSF Fee & {$15.00} per day late fees by my Property Management Company who could be moving towards eviction processing in the days to come. I went into the branch location of XXXX mentioned above & they saw everything that happened with the transactions & could not explain why the account was closed on XX/XX/XXXX after updating my address & reissuing my debit card on XX/XX/XXXX. They said the only department that can look into my transferred amounts was the XXXX dept that did not take phone calls, only communicates through email. Now because of this whole ordeal I'm flagged as a risk to open a regular bank account all because XXXX closed my bank account without my foreknowledge when I came into their branch to update my address & receive a debit card on XX/XX/XXXX. As of now XX/XX/XXXX at XXXX ( I have a phone appt with them at XXXX ) I haven't been called yet. ( CHIME EXPERIENCE ) On XX/XX/XXXX, I have filed a dispute with Chime to try & get my transferred amounts back in my account that way. I received no confirmation by email so I called back the next day & found the dispute was Never Filed! This Chime rep did file the dispute & asked that it be expedited. That same day they emailed me saying my dispute was denied stating the transfers were successful & settled so they will not credit my account. When asked for supporting documents for their decision, Chime said they will email them it to me & as of XX/XX/XXXX at XXXX I've not received anything. I called them back today, XX/XX/XXXX at XXXX and was transferred to a person, I told them everything all to find out he was Not a supervisor as I asked for & that person transferred me to a voicemail system. PLEASE PULL AND LISTEN TO ALL CALLS IF POSSIBLE. I called from my same phone # each time. XXXX. Still, as of XXXX, I have not received a returned call from Chime Bank XXXX
07/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • OR
  • 97128
Web Servicemember
On XXXX XX/XX/2021, I received two emails from chime.com with the following subject lines : " Welcome to Chime! '' " Your {$10.00} has landed! Thanks for joining Chime. '' To my knowledge I have never requested, asked for, or been referred to Chime. I didn't know Chime existed at all before I received these emails. At my first opportunity, I emailed Chime support and requested they place a hold on the account and close it. Chime 's first response was to ask me if I was *really* sure I hadn't opened an account with them. After my next email, explicitly stating again that I had not opened an account, Chime responded : " In order to close this fraudulent account created with your personal information, could you please be so kind and send us a picture of your valid government-issued ID and the last 4 digits of your Social Security Number. I know this might make you feel insecure and I do understand that, I can assure you, here at Chime we are a secure Bank and we do not tolerate fraud. '' I replied, taking issue with the request that I provide personally identifying information ( PII ) over unsecure email. I offered to confirm my personhood over TLS or other secure means if absolutely necessary, but if made it clear I expected Chime to handle the responsibility for such means. Chime answered : " I totally understand your point XXXX, however, we are unable to proceed if you do not verify this for us. We really want to help you report this account. If you feel insecure sending the documents by email here is our Fax number XXXX ( XXXX ) XXXX, we will be happy to proceed once we have the documents. '' I replied to explicitly state my expectation was that Chime would place the account on hold and close it, as I had not made a request to open an account, and that I would not provide my PII over unsecure means. Chime responded again, restating the need for my PII " due to security purposes. '' To Chime 's credit, these responses were timely. However from the language used ( " I totally understand your point XXXX, however, we are unable to proceed if you do not verify this for us. We really want to help you report this account. '' ) it sounds as if to consider the account under report, they expect me surrender my PII. I find this unacceptable. In the very best case it is possible that another consumer may have simply entered their own email address in error, leaving mine on file with Chime instead of the one that consumer intended. However, there is clearly no interactive validation process on Chime 's behalf to ensure that this sort of incident does not occur. ( And industry -standard models for this exist. [ Models. Plural. ] ) Worse though, is that despite a legal settlement earlier this year ( XXXX : XXXX ) agreeing to stop referring to itself as a bank, Chime 's representative explicitly stated so in the act of requesting my PII over email. If I were describing this in person I'd pause here for dramatic effect. Instead, allow me to draw your attention to this statement : " I know this might make you feel insecure and I do understand that, I can assure you, here at Chime we are a secure Bank and we do not tolerate fraud. '' Chime needs a closer look from the CFPB. They seem to be a predatory lender with dogdy technology and limited customer support. These business practices are unsound in a general sense, but for a XXXX XXXX so closely associated with banking, it seems egregious. Chime is the weak link that sent my afternoon sideways and required me to take action to protect myself. I'd rather be spending this time at work. ( Thank God for my understanding employer! ) How many half-days are spent collectively by people like me to wrestle with Chime support only to need to file a complaint and credit alerts? ( And for those without an understanding employer, how much worse must it be? )
03/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IL
  • 62901
Web
On XX/XX/XXXX a little after XXXXXXXX XXXX I went into my account to check my recent transactions when I noticed a purchase of {$95.00} that was placed on a website called XXXX I immediately clicked the transaction to see more info and it noted it was an apparel purchase. Knowing I myself have never even shopped at this place or even heard of it before, I Swiftly clicked the dispute transaction button and followed exactly what I was told by chime to do which included cutting off my bank card and ordering a new one, so that's what I did. After I received a reassurance message from them that they would be investigating this claim and that my new card would be on its way I felt confident this matter was going to be handled correctly. In the meantime I was issued a " virtual temporary card '' to pay my bills and so forth. A day or two later I go to purchase groceries from XXXX XXXX pickup using this temporary card and it was declined. I immediately call chime support and explain what happened and the woman at first didn't even understand the situation I described to her ( even though it was in detail exactly what happened to me and why I put a hold on my account cancelled my card etc. ) She tells me yes it was denied because there's a block on your account. I told her AGAIN yes I did that MYSELF because of the fraudulent charge I saw so I cancelled my bank card AS I WAS TOLD. After 3 times explaining this to her she says " oh we didn't even get the request for a new card OR THE DISPUTE. '' Now mind you on my app it was telling me my new card was PROCESSING AND MY DISPUTE WAS BEING INVESTIGATED. I asked her what in the world is going on why was I being told two different things?? She told me don't worry I'll go ahead and put the dispute through for you, order your new card, and issue you a new temporary card. I told her ok great that's fine please do. Fast forward a few days later I check my app again just to see if there's an update. Surprisingly, there is but not a good one. My dispute had been closed by Chime saying no fraud was detected. At this point I'm feeling betrayed and frustrated. No fraud detected? So they're saying I did this? Why In the world would I put myself through having to cancel my pending bills and route them all to a temp card, and call a handful of different places, INCLUDING MY LANDLORD ( who only accepts CASH that I can not access because I have no physical card at the moment..which made my rent LATE by the way! )? Not to mention I had to pay an extra fee on my car note because I had to make it over the phone Instead of through my debit card on auto pay AND then have to worry about possibly not getting my Direct deposit from work!? IT MAKES NO SENSE. So at this point I'm almost livid. I call them back and ask them why my claim was denied. The lady tells me no worries we will submit a rebuttal and we will make sure we take care of this for you. I am in tears at this point simply because of frustration and honestly feeling like I've been violated and my money isn't protected the way it should be AS PROMISED. Still, I'm cordial and I ask her once again, am I safe am I protected and is this going to be taken care of correctly? She reassures me, yes. Fast forward once again to today. I receive an email from Chime saying once again there was no fraud detected and my case has been closed... Again. There was an option to email support for a copy of the " documents '' they used in determining this so I told them Yes ID LIKE WLL OF THEM. I am currently sitting here feeling like taking my little couple XXXX dollars out and telling them to take a long walk off a short bridge, but I feel I need justice. If this happens to me over only {$95.00}, who else is this happening to or HAS this happened to? What about our rights and our voices? What about being an FDIC? THIS IS NOT OK.
03/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • NJ
  • 080XX
Web
I attempted to open an online account today, XX/XX/2023, through Chime which uses The XXXX as its banking service provider. After inputting my name, email address, phone number and date of birth, they indicated they were not able to continue and provided no information as to why. When I called their support number, they told me I needed to send a screenshot of the error message received to their support email address ( XXXX ). I sent the email. They asked me for an explanation of the email ( even though the screenshot shows I received an error when attempting to open an account ). I explained the situation. They indicated that my application failed an identity check. It should not have. The information was all completely accurate. They asked me for a picture of my unexpired photo ID, a picture of my self holding a paper with my name and today 's date written on it, and my last four digits of my social security number. I provided those. The next email I received indicated that " Chime only allows one account per person '' and suggested I reset my password. I did not have an account, nor have I ever had an account with Chime. I did not have a password to reset. I attempted to reset a password as instructed. I received an email link to reset. I followed the directions. When I went to login with my email address and the newly reset password, nothing happened. The system just refreshed the login screen and did not login or provide any message indicating that anything failed, which was unusual. I then received a second email from Chime support indicating they needed the last 4 digits of my social security number which was already provided. Again it suggested I already had an account, which I do not. I responded indicating I had already provided that information and was confused by their email. I requested they call me and provided my contact information. I received an additional email from them after that, identical to the prior email, now requesting a photo of my social security card. I was concerned that they were not reading my emails and suggesting that an account may have been opened with my name illegally, so I called their phone support at XXXX XXXX ET. The first person I spoke to indicated there was no account after asking me for information. I asked them why email support would indicate there was, but they were unable to answer. I requested a supervisor. I was placed on hold and then disconnected. I called back. The person indicated they were a supervisor and their name was " XXXX ''. After repeating the situation to XXXX, I asked him who their primary federal regulator was. He initially told me it was confidential and could not share it. Then he indicated it was the FDIC after putting me on hold, but that was also incorrect. He told me I could call back and maybe someone else could help me. I told him I wasn't going to call over and over again until I got someone who knew the answer, that I wanted to speak with his supervisor. He transferred me to another random representative named " XXXX ''. XXXX told me he would transfer me to their fraud team to confirm whether an account exists or not. At this point, I am still waiting on hold after 40 minutes of calls, and 10 emails back and forth with Chime. So in summary, there are a few problems : 1. I was denied an account without reason and when I attempted to resolve the issue, no progress has been made and all responses via email appear automated without attempting to fix the issue. 2. Support emails seemed to indicate the existence of a prior account with some of my information even though I've never had an account with Chime or The XXXX. 3. Attempts to resolve the issue via phone support only created more confusion and support representatives refused to address the issue appropriately, even providing false information.
09/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30032
Web
Dear Sir/Madam, I am writing to report a distressing incident involving a Chime debit card hacking scam that occurred on XX/XX/2023, at XXXX XXXX. My Chime debit account was compromised, resulting in unauthorized transactions and significant personal information breaches. In detail, the incident unfolded as follows : On the mentioned date and time, my Chime debit account was hacked by an unidentified source, leading to my immediate expulsion from the Chime platform. Subsequently, I started receiving notifications regarding multiple suspicious activities, including unauthorized transactions, alterations to my personal information, such as my name, phone number, and email address, all linked to my Chime account. Despite Chime 's implementation of a two-factor authentication system, my account 's security measures proved insufficient in deterring the hacker, allowing them to bypass these safeguards with ease. The unauthorized hacker carried out three transactions amounting to a total of {$2100.00}, all of which were instantly withdrawn from my account. The first transaction amounted to {$2000.00} at the XXXX XXXX in XXXX XXXX, followed by two additional transactions at {$50.00} each for XXXX in Delaware. It is essential to emphasize that I am a resident of XXXX and have never visited either of these states nor have I ever had any transactions in those states. Furthermore, the hacker misused my phone number and email address to subscribe to numerous websites and services, causing further damage and inconvenience. I then had to spend the next morning at XXXX changing my phone number and creating a new email address to fwd all my personal mail. Regrettably, Chime has not exhibited a proactive approach in investigating this incident in a timely manner and resulted in denying the disputes saying no error was found. It is clear that the representatives at Chime did not fill out my dispute form with correct materials and blatantly ignored the fact the the charge locations were in two places across the nation at the same time. They also failed to acknowledge at my phone number, name, and pin was changed the instant these transactions began. Consequently, my hard-earned funds, necessary for covering essential expenses such as rent, car insurance, loans, utilities, groceries, and other daily necessities, have been compromised due to their negligent security system. They have revoked their temporary credit and have my account owing money that was stolen from me. It is also important to note that Chime was careless in their investigation which shows different time zones than where I reside as well as the names, phone numbers, and emails the hacker registered the charges under ( XXXX XXXX, XXXX ). Chime was careless in their investigation. The IP addresses, location of charges, names, phone numbers, and all information clearly shows this was a system hack and they along with the hackers are at fault. Chime has communicated a 3-month timeline for disputing these unauthorized transactions and ended with the wrong decision that no error was found. However, I face pressing financial obligations, including paying my rent late incurring more charges, and spending weeks with no answers. This situation has placed me in a state of profound distress, impacting my financial stability and overall well-being. I kindly request your assistance and intervention in ensuring that this matter is thoroughly investigated and resolved expeditiously. Your support is essential in helping me regain control of my finances and security. I have also contacted the FDIC to submit a claim against Chime. This keeps happening to innocent hardworking people. I appreciate your prompt attention to this matter and eagerly await your response and guidance on the next steps to be taken. Sincerely, XXXX XXXX
04/12/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • OR
  • 97477
Web
XX/XX/XXXX, I contacted Chime for the second time to discuss the missing {$890.00} from my account. The call was documented and additional information was requested both via Chimes internal ticket tracking system, ( ticket XXXX ) and via my email requisitionthe same information as ticket XXXX. I was informed my email would submit a 2nd ticket in the system for the same information. To date, Chime has not complied with any requirementsof12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) In an effort to resolve the issue quickly I have made the following calls to the bank XXXX XXXX 28 minutesXXXX XXXX 51, 57, 59, & 6 minute calls ; XX/XX/XXXX, 24,13, 7 total4.5 hours. I don't know if there are regulations regardingbank phone systems but repeatcalls were made due to Chime 's phone system dropping calls. Additionally, employees would only disclose first names, no operator, or employee ID, therefore when calling back only one time was I able to speak to the person I was just disconnectedwith. One agent informed me there are no outbound calls so if a call is dropped Chime considers that a resolved issue. The missing {$890.00} results from a pre-authorized charge XXXX performed XX/XX/XXXX. XXXX was replacing my XXXX covered by XXXX, they did a preauthorization but only make a charge if the damaged phone is not returned. I returned the phone the {$890.00} was never charged by XXXX and therefore XXXX can't refund the money. In talking with many different people I think I've come to understand the error. My XXXX XXXX visa card is a pre-paid card, when I make a purchase the money is deducted from my available balance. Chime transfers the funds to a ( for lack of better words XXXX holding account. Once my monthly bill is due funds are transferred from the holding account to pay the bill. XXXX places a pre-authorization hold on the {$890.00} funds.Chime transfers funds from my available balance to the holding accountXXXXThe pre-authorization disappears from my pending chargesbecause the transaction is not completed by XXXXChime either does not have an automatic process to revert the funds from the holding account to my available balance or the process malfunctioned. The interesting part was the totally inconsistent information I was provided by different people. -On 2 of the calls, the agent was able to spot the issues however both times- when they started to provide the solution the phone was cut off. -On multiple agents claimed XXXX had finalized the {$890.00} charge and needed to issue a refund. If that is an accurate statement, Chimes ' issues would be that the charge appears neither on the final XXXX statement nor viewable online. When I pointed out the lack of a {$890.00} charge on the XXXX statement, the agent responded I can see the transfer to XXXX with external data provided from Visa. The agent acknowledged the charge was not on my statement. I forget exactly what the agent said but I stopped him and said " Are you telling me is Chime does not have systems in place to accurately track financialtransactions? '' He responded " Yeah ''. Being XXXX and wanting to make sure I understood I said XXXX want to clarify you are saying Chime does not have adequate systems in place, because if this is what you are saying this is major and needs to be reported to CFPB, FDIC XXXX ''. He responded 'yes that's what I'm saying we have a major problem. 'Multiple agents informed me the money had been deposited back into my account. - I had to point out they are referring to a transfer I made from the savings account to the XXXX XXXX account for the purpose of the pre-authorization vs a reversal of funds to my account. Additionally, the beginning balance - charges in XXXX - transfers out of the account+ deposits into the account do not equal ending balance.
06/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 37830
Web
I Bank with Chime. On Friday XX/XX/XXXX at XXXX et. I had a transaction that was not authorized of XXXX. I call Chime customer service right after I saw the notification come up on my Iphone. The Rep I spoke with immediately cancelled my debit card. She then explained to me that she couldn't put a dispute in because the transaction was still pending. On Saturday the transaction went through and I put in a dispute regarding this unauthorized transaction. About two hours later They denied my claim. Below I will attach all the documents they have sent me regarding all of this. They stated in the denial email that there was no error. I called them again and they stated I could put in a rebuttal. I did ask the rep that I need a denial letter or a reasoning behind why they choose this decision. The rep stated it would be to much paper work and she wasn't sure if she was able to send me one. She stated that I need to send in paperwork to show where I was when this transaction took place. I then emailed the support with my dispute information my timesheet of I was clocked in at work from XXXX XXXX. to XXXX et. I also showed the location of my office in XXXX Tn. The transaction that took place was at a XXXX in XXXX, GA three hours away from me. I also sent a screenshot of my bank transactions that show 1 hour at XXXX pm et I was in a XXXX XXXX XXXX getting gas an hour later the XXXX transaction took place. I explained to the rep there is no way I would of been able to get down to XXXX GA in 1 hour to use my debit card. the store is three hours away. I explained as well to the rep that I called the Pilot and spoke with the XXXX and on Friday XX/XX/XXXX right after the transaction processed. XXXX the XXXX I spoke with stated she saw no transaction with the amount of XXXX even there. She declined that she couldnt send me the transaction list of that day. I sent all that information again with all the timesheet and they still denied my claim. This is beyond outrageous that I have to send in all that information just to have my claim denied. They shouldnt even allowed he transaction to go through. No one has my debit card or account information. I have had my wallet with me the entire time the transaction took place. This was my first intial email to them regarding all my screenshots below : Dispute claim # XXXX To whom this may concern for my rebuttal of the denial of my fraudulent dispute of a transaction of XXXX I have uploaded my timesheet and highlighted the day of the transaction on Friday, XX/XX/2022. And also the location of my office in XXXX, Tennessee. The transaction that was fraudulent was in XXXX, Georgia. Which shows on the transaction information on my chime app. It will show the highlighted as the time I clocked into my job after lunch XXXX XXXX and also when I clocked out XXXX XXXX. I have also uploaded three different screenshots of the fraudulent transaction in XXXX Georgia at XXXX et. And the second of the three screenshots shows my transaction for the whole day of Friday, XX/XX/XXXX. The third screenshot shows a XXXX transaction in XXXX, Tennessee. Where I was at XXXX XXXX as it shows. I googled the XXXX gas station in XXXX, Georgia. And you as well can XXXX it is over 3 hours away from me. There so if I did do this I wouldn't be able to get there in time of when the transaction processed. I will be emailing and calling until I get my money back. This is completely unacceptable that I have to show all this proof of where I was in order for you folks to know this is fraudulent. This is stressful as is having some take all my money from me and to add on I have to show proof. I've bank with you guys for a few years now and you guys have been awesome truly awesome. So I thought this would be an easy fix and this is becoming way more of a hassle
08/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 45385
Web
On XX/XX/XXXX, I received my Social Security deposit. Earlier in the month, I had reported my bank card lost/stolen, and a new card was expected to be delivered by XX/XX/XXXX. However, I did not receive new card in the mail. Wherein, on XX/XX/XXXX, after my Social Security was deposited, I called Chime to inform them that my card had not arrived yet. At that time, member services reissued a new card to be sent out to me. I could not make withdrawls with out physically having my card. Therefore, I was attempting to add funds to my XXXX XXXX account, as I had linked my Chime temporary card to my XXXX XXXX account. However, several attempts were made to do so, with only 2 or 3 successes, until I was completely unable to add funds to XXXX XXXX, getting failure notifications. After contacting Chime Member Services to see if my temporary card was active and that it was nothing on Chime 's end, I then contacted, what I thought, was XXXX XXXX support. ( See attached document contain the number and call log, showing initial call at XXXX on XX/XX/XXXX ) I spoke with a gentleman, who claimed to be XXXX XXXX support tech, named XXXX. He said his ID number was XXXX. At that time he used a program called quick support. He then used the program to hack into my phone at XXXX XXXX on XX/XX/XXXX. ( See attached document showing that phone was hacked at XXXX on XXXX ) The gentleman then used the hack and went into my XXXX XXXX account looked at some things, then backed out of XXXX XXXX and went to my chime account. He advised me that he needed to look at my transaction history. I had no control over my phone at this time. The only thing I was able to do was to take screenshots. He had hacked my phone at XXXX XXXX went into my XXXX XXXX account backed out and then went to my chime account. While in my chime account, he then proceeded to transfer {$1000.00} to himself, at XXXX, just moments after the hack, at XXXX. ( See attached document showing transfer to email with time stamp ) Initially when the transfer was taking place I was still on the phone with this XXXX at attached referenced phone number, and he was advising me that he needed to do this to ensure I would be able to add funds to my XXXX XXXX account. I advised him I did not feel comfortable with him doing that, and that I did not want to proceed with transfer. At that time he advised me that I could see on the screen that the transfer was showing up " unclaimed '' because he wasn't actually sending the money. However, he continued to tell me to hold and be patient. After he did some more things, the transfer then showed up " completed. '' I started freaking out, and he advised me not to panic or worry, that the funds would be directly replaced into my account. However, that never occurred, and when I called the number back, they just kept hanging up on me. That is when I called Chime and initiated dispute, because I never authorized this transaction. I have spoken to my landlord to advise him of my situation. He has given me two weeks grace period to pay rent, which will be up next Monday, and if I can not retrieve funds, I will have to go to XXXX shelter. I can not get my medications that I require for my XXXX. I can not pay my utilities. I can not get food. My Social Security XXXX money was transferred out of my account without my authorization. I have filed dispute, I have submitted documentation. I have spoken to Chime everyday regarding this matter. Each time I simply get dismissed. This is my final rebuttal. If I can not have my funds placed back into my account, I will be reporting to DFPI and Consumer Protection. In addition, I will be reporting to media. This has now become an issue where it is affecting my livelihood, my health, and wellbeing.
05/28/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NM
  • 87120
Web
On XX/XX/2021 I received a notification in my email that theyre was unusual log ins into my chime banking account, and alerted me to contact the company if i wasnt responsible for the logins. I live in XXXX New Mexico and the notification was based out of Texas. I report the activity to my bank immediately. They advised me that changing my password would ensure that I was safe. I did just that. Two days later, same thing happened, I again contact them immediately and informed them once again. I asked them to log my account out of all other devices and asked if there was a way they could somehow check the devices that were logged into my account. The representative pretty much told me he was unwilling to go the extra mile and find any sort of answer to my question. I was told yet again that I needed to change my password so I did. Several days later, I attempt to add fuel to my vehicle, and my card declined. This was shocking because as far as I knew, I had close to {$4000.00} in the account. I log in and cant believe that I see that my account has been drained! Over {$3200.00} had been transferred to chime accounts I did not recognize or had even the slightest idea of whom they belonged. And there were large amounts paid out to XXXX and XXXX. They drained all that I had in 2 days. Thats all the time they needed. Chime provides a virtual card which you can access the numbers to in their banking app. Thats how whoever had gained access to my account was able to find the online orders. I call chime within minutes and had a lump in my throat and was on the verge of tears. Lets just say, I have been denied and told Im not going to get any of that money back or lied to and mislead and every day possesses a new excuse and more lack of help or explanation from any of their 50 employees that have helped me over the last 23 days. I keep submitting my claim and getting denied, I have been told to wait for something in the mail and nothing has come. I asked for help and did my part to protect my account and myself from allowing this to happen and they failed to help with any of my requests that could have potentially prevented this and also I feel like they didnt take me seriously and give much thought to the possibility of this happening to now that it has, Im the one paying the cost and dealing with all the XXXX that I did my best to prevent from ever happening in the first place. They are allowing this to happen and offering me no help. All I get told is they want more info and thats why Im being denied. I dont get what else I can provide to them to help them make their determination. They should have the history of my call ins on file with proper notations in my concerns and they have made me submit dozens of documents and I just dont know what else they want or expect from me. All I know is Im left with this XXXX and unsettling burden that I never expected could happen to me. And this company does not a XXXX thing to help me or empathize with me or see where I did what I needed to do on my end and I took all the measures I needed to take and as best I could and they are offering me no help or support. Just another denial with lack of reasons or support. I just dont think that this is right and I dont know what else I could have done differently, but I know that picking them to ever be responsible for my finances was the first error I made on my end. They dont care and are allowing this crook to get away with stealing all that I have to my name that I earned for myself and they dont understand the price I had to pay for that money to begin with. And not they are allowing it to all be taken from me and wont give me any kind of help or guidance or support, just a big XXXX XXXX to my face as far as Im concerned
04/02/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 321XX
Web
Quick Timeline From the date error occurred to present : XX/XX/XXXX Error occurred | amount {$210.00} XX/XX/XXXX Error reported to Chime XX/XX/XXXX @ XXXX An email was received stating Chime has begun the investigation, and a request for additional information : Clarify if the dispute is for transfer to incorrect recipient or transfer not received. XX/XX/XXXX @ XXXX XXXX back with the additional information and a document of the phone bill was included. XX/XX/XXXX @ XXXX The investigation concluded, and a final determination was made. Claim denied No error occurred '' and Claim closed. XX/XX/XXXX Requested for the Claim to be reopened XX/XX/XXXX, XXXX Response from Chime denying for the claim to be re- opened XX/XX/XXXX, XXXX Documents that were used for making a determination was received from Chime. Reason claim was denied | You stated that the money was sent to the wrong person. Upon checking your IP log, the phone number that you entered during the Pay Friends Initiation matches the recipients phone number in his profile. You also confirmed the transfer after the details were entered. No system errors. Mobile devices connect to your carriers ' network ( in my case XXXX XXXX XXXX ) by using an APN XXXX Access Point Name which is pre-programmed and compatible with your device 's sim card. The APN which again is provided by the carrier is used to establish a connection from my device to the internet. Mobile devices connected VIA Mobile Data have 2 IP addresses ; A public IP and a Private IP address. When a device is using a carriers ' network XXXX in my case XXXX XXXX & *** ) the device is connecting you to the nearest cell tower using your private IP address. Both IP addresses are assigned from your carrier by your devices APN and change every data session. Therefore, your determination is incorrect, false and misleading and your interpenetration of what occurred isnt even correct because the Phone number entered during checkout matches the phone number in the recipient 's profile does not matter because the money was MEANT to go to that phone number, not the person who was not authorized to use XXXX XXXX XXXX and spend money that did not belong to him which is illegal. To be clear, my claim stated the payment was deposited into an account illegally using XXXX phone number. The payment was supposed to be received by VC as a text message that someone sent her money and in order to claim it sign up for a Chime account. Instead, the payment once again settled immediately in the criminals account, and exhausted the next day by ATM withdraw which is clearly shown on the documents you used for your determination. If you really want to be a smartass and get technical then compare the device information from XXXX XXXX XXXX to XXXX XXXX device information that is collected every time, he logs into his account because surely if your right like you think you are then youd have a match to the device information that belongs to XXXX and directly tied to phone number XXXX XXXX XXXX through a contract. The money was sent to the right phoner number but not given to the correct person because this XXXX XXXX used XXXX phone number in his Chime account illegally and without authorization which caused the transaction to settle immediately not giving me the chance to cancel. This is an unauthorized transfer and I challenge your determination and demand my funds be returned to my account before I take further legal action. Thank You and will be waiting to hear from you XXXX XXXX *NOTE* In the included documents I have underlined and highlighted very important details that should be taken into account, I have also included information that debunks your conclusion and why your investigation results are not valid.
04/13/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 77071
Web
Good morning, my name is XXXX XXXX. I have a banking and savings account with Chime. On XX/XX/XXXX I was duplicate charged from XXXX XXXX XXXX, for {$470.00}. I contacted XXXX XXXXXXXX XXXX to inform them of the double charge. They informed me that the reversal would take up to 10 business days and it will go into my XXXX savings account. I explained to them that I needed the {$470.00} back in my account that day, the agent I spoke with advised me to have the funds reversed I would need proof that showed that the transaction went through and wasnt still pending. So XXXX didnt accept the screenshot I sent them, so advised me to have chime send something over providing the funds did in fact go through and was not pending on the account. So I contacted Chime advised them of the situation ( above ) this is all on XXXX 2022. The agent I spoke with at Chime told me they cant send anyone anything and the best way was to open up a dispute with them. So I did then right after I hung up with chime I called XXXX back and told them that Chime said they couldnt send anything to them and the best way was to open the dispute. The agent with XXXX informed me that they had already put in for the reversal and the dispute would have to be canceled I couldnt have both options. So I hung up and Immediately called Chime back and told them to cancel the dispute that I just had opened. I was informed that the dispute was closed and received an confirmation email from chime on the date of the XXXX. So 10 business days went by and I noticed that the {$470.00} was not in my account or my XXXX XXXX savings account so I called XXXX and advised them of the situation this call took place on the XXXX of XXXX. The agent from there did a investigation and called me back within 3 hours and advised me that, Chime had hit them with a dispute code XXXX ACH reversal code. So they processed that and sent it to chime, I explained to her the dispute was closed and she said that it wasnt closed in time and on XX/XX/2022 it was processed as a dispute and sent to chime. So I did a 3 Way call between myself, XXXX, and Chime and the XXXX agent explained to Chime the situation. Chime told me to do a dispute rebuttal so they can locate the {$470.00}. So they informed me and the XXXX agent that they understood what happened and was gon na put all the information to their support team to het this situation handled. A week went by and I havent heard nothing from Chime. So I contacted them on XX/XX/XXXX through the phone and the agent said that they needed proof Showing that XXXX did a dispute reversal. So the same day I contacted XXXX and asked them can they provide any type of proof showing that they processed the ACH XXXX Dispute to Chime. They sent me two secured documents from their accounting department that showed they processed the dispute and in fact was sent to Chime with a tracking number. I sent that to Chime through a PDF I was told from a manager when I called on XX/XX/XXXX that the funds would be in my account on the XXXX of XXXX which was yesterdays date. When I called yesterday I was told differently talking about it can take up to XXXX and my funds would be in my account after a final decision. When you email their support team its always the same copy and paste messages and never a accurate response. No one knows anything and I just want my {$470.00} I sent all kinds of documentation to them and a had a 3 way call with them and XXXX. Please help me this is ridiculous and bad customer service. XXXX has done everything in their power to help me and has done everything they possibly could they dont have the {$470.00} and my account with them reflects that. I feel Chime has my funds and just dont want to give them back.
02/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 62025
Web
First off I would like to do show that the record that I have been using time for almost 2 years now I started to know notice some transactions that was I was load onto my card and for some reason I never saw the money reflected back into my account or I never saw the money I never spent the money so I never really questioned it until I went over my bank statements my bank statement is as follows my time credit bank statement I loaded {$5000.00} on there to pay off my credit and I hopefully that will build my credit a few months later I remembered that I had done this and then I noticed that I never thought of money come back to my card and I never spent the money so I called time to get a printout statement of my transactions and lo and behold on all my credit cards statement from XXXX XXXX reporting agencies they showing that my balance for chime is {$5000.00} I called time and asked him is that money in my account or is that money what is that because every Bank every credit reporting agency shows a balance on my time card at XXXX XXXX dollars they said that money that the money was spent and it just comes it goes back into my security account and they don't pay that bill until a month later which I didn't understand it made no sense at all to me because I never was able to charge it something on my card and it got approved and then I'll pay it back later it was already declined if I didn't have the money on my time card so I don't know why they're waiting a month to pay something back that they having fun in the account right then and there I cross reference this with my other tribe card which is a debit card I noticed on the same month that I put this deposit in for {$5000.00} I'd also made another deposit for {$3000.00} so it was a total of {$8000.00} worth of deposits that I transferred to my debit card in my time card the {$5000.00} is the one that was never spent it was never it was never spent on my behalf and and when I remembered about it it's time inform me that it was just paid off but that money they're not holding money and then they thought it was so far fixed but now that I see my bank statement and from a debit in my time and my credit reporting agency XXXX XXXX I see all those things now I'm 100 % sure that they are basically stolen {$5000.00} for me and I would like my money back as soon as possible I don't condone the square bill collecting or if this is bill collecting because this is your leading me to believe something in your not being 100 % truthful it creates uncertainty and untrust in the financial institution was something I should be able to trust so I'm disputing this much charge with shine and hopefully this with money will be returned to me as soon as possible cuz they have lied to me from this point going forward I submitted documentation saying that if you look at my deposits the time where I deposited the XXXX went back they paid the balance off it was not {$5000.00} matter of fact I noticed that I put XXXX more it was a total than {$8000.00} so they {$3000.00} it was already spent I see where that money was accounted for but the {$5000.00} was never spent and never accounted for and I would like that money back my statements and they told me that that's not they don't hold money they're lying they directly lie to me in my face because they are only money so I need my money to return back to me if you look on my credit statement you'll see my balance it says for XXXX XXXX {$5000.00} if the if the transaction was taken care of in XXXX why does it reflect {$5000.00} is my balance for the whole year of 2022 makes no sense there's only one explanation they have my money sitting there for nothing I can provide the credit statement if I need to
06/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OR
  • 97219
Web
In XXXX of XXXX my chime account was hacked and XXXX or so was taken from my account. I notified chime and within about a week they credited my money back. I then closed the account. In XXXX of XXXX I was buying some stocks online but couldnt tell what account they were Coming out of. A few days later I was up late on my laptop and an email popped up saying my chime account was charged for something. I was surprised because I had closed my chime account months before this. So I started looking at the emails. And could see that this wasnt the first time it had charges. A couple of them being the stock purchases I made. I them called chime who at the time seemed very helpful. They got me in m touch with a few people, I think fraud department and or member services. I explained what I had found. They told me to log into my account and dispute the charges. I was unable to log in because who ever reopened the account had changed all the passwords and login information. The reset the account so I could log back in. When I went to log back in the app wanted to send my phone number a 5/6 digit password. I hit ok but nothing happened. No code was sent. So for months I would email chime my drivers license, my picture with the date written and answer a few security questions. They would reset the account. And same thing each time, no code ever came. Almost a year of this. This is all so I can log in and see what transactions are not mine. Something I told them we could do over the phone if they read them to me. They were not going for that option. They finally told me I needed to get a new phone number so I would receive the code they send. They said it was the only way. So I got a new number to use for this account app only. It finally worked. I was in the account and could see the XXXX of multiple charges I needed to dispute in my account that I had closed and they reopened. When I went to dispute them the app told me I would have to call them. Hmmm. So I give them a call and guess what. We went over every dispute over the phone. Yes I could see what needed to be disputed know vs my recommendation of just having them read them to me and I would say yes or no if I made them. Just seemed weird to me because we could have taken care of this so long ago. So they start the disputes. Tell me its going to be minimum 45 days. They cant credit my account anything because it has been too long. To long because their system wouldnt not send my phone the code and because they could not do over the phone even though thats basically what happened ( doing them over the phone ). Ive sent them multiple emails asking them for a credit due to this is not my fault. I have sent emails asking them to expedite the dispute process due to this is not my fault. So now Im in the waiting game of the 45 day. Dont forget this is now a XXXX XXXX issue. I started thinking why would they dispute the charges with the companys that the hacker purchased from. This was clearly chimes fault for reopening a closed account. As far as I know. Banks or companies acting as banks should never reopen an account with the same account number. If they would have left it closed my stimulus check would not of been deposited and it would have been rejected back to the federal account and a paper check would have been mailed. So this is where Im at with multiple emails to chime stating that they are the one at fault I dont think there is any need for the disputes and they should own up to the issue and credit my money back immediately. As it has been over a year long process and so much of my time waisted. Now Im waisting your time because a company didnt follow some simple protocol that would have elevated this whole problem.
04/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • KY
  • 40272
Web
In XXXX I made a purchase off a website called XXXX I was 2 get XXXX XXXX guests 2 sets. XXXX dollars a piece plus express shipping.. XXXX to XXXX ky. I clicked buy now entered my credit builder cards number and clicked ok. I recieved a confirmation email then. From XXXX. Which made no sense. And a comfimation from XXXX. Pictures will be included. Then XX/XX/XXXX I recieved a delivered messaged. Went home and recieved nothing. So same night I filed a dispute with chime. Was told it would be roughly 30 day and max 90XXXX So I had also filed one with XXXX. Same order but different disputes. I told chime I never recieved package. And XXXX that I was scammed. XXXX told me they had a 10 day policy and if I was telling truth I'd be paid on XX/XX/XXXX. So on the XXXX I call XXXX. Was talked to as if no dispute existed. Talked for a few hours and someone in management told me I had to cancel dispute with chime. They can't help me with a dispute current with chine. So I cancel the dispute with chime. Called again next day. Once again was treated like no disputes ever was request. Then get moved around. Am finally told that they will never be able to help me because I filed with chime. I demanded to speak to someone higher. Then again someone else. Finally ingot someone again management that told me I'd be taken care of within 5 days. She understood and refund would come. 2 days go on I call XXXX back. Was told no one had told me there. And had unpleasant back and forths for next few days. But same day I called and was told no. I rebuttaled only maybe 2 days after I had closed. Possibly 3 but still within 72 hours. So after filing rebuttal I wait a few weeks send un even more information Traching numbers no package shipped. XXXX post no info The website XXXX had changed. I sent that information. I also emailed XXXX and have been ignored for a while now. Pics also included. So I was talking to chime. It was sided with the merchant I'm told. In app .. so I call am told it's not. That they were wrong. Again told same I. App. Again lied. I have been hung up and completely disrespect by chime and XXXX staff for a while now. So then they start ignoring my messages. I call. Get put on hold and magamant tells me he's going to escalated it. In a chat I'm told we're are going to put you through to disputes team for escalation and it takes days to get a respond. I asked for a copy of the investigation. Am told oh you should have it within. Ten days. On day either I call and ask where it is. Am told they can not swnd it till its over. I say I gave all the proof possible receipts. Comfimations. Emails of scammer. Proof his XXXX account account was gone. Proof XXXX was gone and not selling said items. Proof XXXX had took money without authorization. Proof is I ordered an get a email saying I'm a guest and need to validate an account. And this transactions not on my XXXX account and use had XXXX for years on years .... I included many screenshot and have been lied to over and over. Not package was sent to the US according to message board from XXXX website.. it was sent in XXXX to XXXX. And the tracking tells I was scammed they say. I included that screenshot to chime. I gave a reference number to chime giving access to XXXX chats with me included that they know 100 % I was scammed. Then XXXX XXXXXXXX tracking update showing it was delivered to XXXX. And us never recieved it states. It's keeps going. First it was XXXX has 30 days. Then it was merchant has XXXX. Then XXXX. Now it's coming on this and chime refuses to tell me anything. Even who the merchant it. XXXX. XXXX. Guy who ripped me off. And they just make mee want to go nuts and throw stuff around and go crazy
08/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TX
  • 77429
Web
On Saturday XX/XX/XXXX, I contacted Chime customer support that morning because my debit card was being declined for a purchase at a store. The Chime representative wasn't able to determine what the issue was and that there was no notifications that my card had even been used. I disregarded the issue because I believed it was just a technical error or just a 'fluke ' accident. On the evening of XX/XX/XXXX after a series of hectic events, my wife and I believed my personal PC was hacked and our financial information was stolen. She immediately logged into the Chime site using her laptop and found several thousands of dollars worth of transactions that had been charged to our card. We noticed that the balance and transaction screens she was reviewing did not match my personal laptops screen. I immediately froze my Chime debit card and contacted the support team and explained the issue. The representative and I identified over XXXX transactions totaling + {$20000.00} with all varying amounts that had been slowly and meticulously withdrawn from my account over the last 60 days to not draw any immediate suspicion or flags with Chime. I explained the situation to a bank representative named XXXX and she agreed that these were unauthorized charges and explained that within XXXX business days from the date the dispute was started, I would receive a provisional credit in the amount of the charges while the investigation continued. Given the nature of the situation and amount, I wanted to verify the situation with a manager at Chime and that's when I was transferred to XXXX. XXXX immediately advised to me that these charges would not meet the requirements for a provisional credit because it did not meet regulation E requirements. I asked what the requirements were and he was unable to provide that information. He also stated that even though I had supporting documentation showing the scam/hack, that I would need to wait up to 90 days to be credited anything. I find this a grossly irresponsible and a malicious practice with Chime bank and its owner XXXX. I've received correspondence from Chime bank in email since then outlining transactions that fall under regulation E which include excerpts of 'Transactions must be unauthorized charges ' and 'charges eligible for provisional credit must be within the last 60 days '. This information Chime bank provided to me and I clearly have iterated to them several times that these are unauthorized charges and majority if not 3/4ths of these total charges have been in the last 60 days and the last two weeks specifically. Chime will not acknowledge this nor will they provide a legitimate response for not providing a provisional credit. I believe that this prepaid bank does not pay out provisional credits as required by regulation agencies because there are countless if not thousands of customers who complain of the same thing online and nothing has been done of it. Regardless of this being a prepaid service or not, I have been with this bank since XXXX and have never filed any complaints, had 0 disputes or issues on my account and do not a have a history of doing this. To make the matter worse, another bank account of mine that was compromised for several XXXX dollars, noticed the issue and concern and are already working to assist with provisional credits. All banks have to follow the same regulation and it is absolutely ridiculous that Chime feels as though it does not have to. The attachments labeled XXXX. ' shows the malicious method the hackers used of modifying the information to not show any of these crypto transactions such as XXXX ' or 'XXXX ' and modified my available balance to reflect what it actively should be.
06/06/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 32703
Web
claim id XXXX Chime Hello Disputes team here is Some more info on this stolen money that Im to believe you are trying to steal from me as well with what XXXX told you in this additional documents. This is for you to decide onto who has stolen this money from my account. Either this XXXX XXXX XXXX, U break it I fix it or XXXX XXXX. So please do me come back and tell me that I have to face the consequences due to this individual or one of these corporations that stole my money from me and you not wanting to provide It back to me is the way this sounds to me. I will not give up on this Amount of money that way stolen from me at once. I guarantee you this. Please make this easy for the both of us and with all the extra documentation that I have providedto you!!! Suspect # 1 # 2 # 3 U Break it i Fix it Suspect # 1 # 2 # 3 Hello Chime DisputesTeam, I was just thinking that this must have been the girl or the guy I sound say considering Ave was a XXXX XXXX that was at my house on XX/XX/2021. This is the reason why she was wanting to leave my house so quickly. I have never met this girl before and I sure as heck did not give this girl authorization to Access my device and I XXXX sure as heck did not put this Money into this Persons account. I would have do be God XXXX crazy if I would just give some girl {$1200.00}! I did not authorize this person to do what she or he must have done to me. I will press charges to the fullest against this person that must had gone into my device and transferred my money from my account to Hers or his account. I never gave this person any of my personal information the only way that I can believe that this person had gotten me information would have been via U break it I fix it or XXXX considering there are the ones who compromised my XXXX XXXX! So Im to know this was a hole set up for them to have this girl to my house and got them to give her my personal information! To when I went to either my bathroom or my car at the time of this person that was at my house to where I did not and would never give them authorization to do this to me!! So I would like for you to check out geographical areas and please make sure that this was this Person that has stolen my money from my Chime account and please put my money back into my account due to this being unauthorized activity. As I stated once and I will keep telling you this I WILL PRESS CHARGES AGAINST THIS PERSON TO THE FULLEST FOR WHAT THIS PERSON HAS DONE TO ME AND I DO NOT KNOW WHO JOI C. But with your geographical check this will show you if this person had done this to me or not. IF YOU DO NOT PUT MY MONEY BACK INTO MY ACCOUNT IF THESE TRANSACTIONS SHOW UP AT THE SAME LOCATION THEN I WILL KNOW THAT YOU ARE IN WITH XXXX XXXX AND THE Compromisation? OF MY LIFE!!! Yes I did give this girl a {$120.00} but that is all that I had given to this person with my knowledge. That is it! So then when they denied this claim they then told me that the reason to them denying this claim is due to that i had asked this for this persons information so that i could then file pr press charges ion this person who has stolen my money, They also denied this claim due to me telling them that i was going to get an Attorney to help me out with getting my money back and thirdly they denied this claim die to then stating that they found my IP address to be IN the state of Florida and my response to them was how did you find my IP addressee to be ion the state of Florida when issues a VPN setting on my phone so then on my second or third rebuttal to this shady ass company they then replied that hey had found my IP address in Chine in which how could i be in 2 different places at the same time???
08/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • KY
  • 42301
Web
Our truck was stolen out of our driveway on XX/XX/XXXX. My chime card was inside the vehicle. Upon waking up and discovering it was missing we called the local PD and filed a report. The PD showed up at XXXX and took our statement. The officer left the home at XXXX when the officer left, we called the insurance company to report the claim. We then went into our primary bank 's online banking and locked all the cards as we were getting notification that the cards were being used. I had responded to the text confirming it was not me who had completed the transaction. Since then, our primary bank has refunded the money and completed the claim. I also bank with Chime. We had not been banking there long. I created the account to put my wife 's tip money from waitressing into because we recently moved, and our bank is out of state. Chime had sent me an add and so we just went with them since we could open online and deposit at the pharmacy. I had only used the card for deposits never purchases up until this point. I didn't even think about that card because I had never used it. I got a text about the charges going through shortly after the officer left and responded that it was not me. I called chime to file a dispute and they sent me email notification of this dispute as well as provided me with a claim number of # XXXX. We uploaded the police report on XX/XX/XXXX and received a notice via email on XX/XX/XXXX that our claim was denied. We called in and they informed us the decline was due to the police report being missing so we reuploaded it on the XX/XX/XXXX and also emailed it to a rep on XX/XX/XXXX to XXXX and confirmed with the agent on the recorded line that he did receive the report and viewed it and was able to open the link. They then reopened the claim and since it has been denied again. They closed the claim on XX/XX/XXXX as denied and would not provide a reason. They have not responded to our email attempts to ask for clarification needed. We called and spoke with a rep that stated it was denied again and it would take 11 business days to get a reason as to why we were denied. This XXXX day is up this week and we have had no correspondence. I have since called back in hopes of getting answers and was refused. My wife and I called in together because she worked in banking and wanted to speak with them about the regulations being violated and the supervisor, she spoke to by the name of XXXX told her they are not a bank they are a Financial Technology App and therefore not subject to the same regulations. My wife asked him why he would not call the disputes specialist on our behalf and explain the situation for clarity or why he would not provide a reason for decline, and he stated he had no access to anyone on that team or way to contact aside from a request to re-review. He also stated that they were not able to access any documents regarding the claim decision and only request they be resent. He did however offer to send the claim to another investigator because per his statement the claim decision is at the investigator 's personal discretion and so the same claim could be handled completely differently by another investigator. The original email stated if the dispute was not resolved by XX/XX/XXXX, we would be provided temp credit and it has not been provided nor is the dispute resolved. When I went to the chime page on XXXX, I found that this is a complaint that many members have made. The provide a police report as proof and the claim is continuously denied with no reason provided. The time stamps for purchase were $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX and $ XXXX XXXX most of them occurred while we were with the police.
04/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • CA
  • 94121
Web
I filed a dispute for XXXX transactions on XX/XX/XXXX for charges relating from XX/XX/XXXX To XX/XX/XXXX under the visa code 30 rule that allows consumers to have a time length of up to 540 days. I had contact chime customer support and spoke with their specialist regarding the reasons for the request and provided multiple documentation supporting my request. However each time I would received an email that the investigation team has determined no billing error had occurred and for that reason my dispute is closed. Today is XX/XX/XXXX and this is my XXXX time contacting chime explaining that the reason for my dispute was not because there was a billing error. The reason why XXXX filing a dispute is because after making XXXX separate deposits into this merchant I requested a withdraw only to be denied. After doing some additional research i discovered the merchant is operating without a valid license issued by the appropriate commission regulator authority and have been added to the blacklisted for consumers to avoid. No license means the company has not been regulated or audited to ensure their operations, XXXX, and services they provide is fair and The establishment itself is following the protocols set by the commission within their jurisdiction. The XXXX XXXX referring to is XXXX owned by XXXX XXXXXXXX XXXX which is a online casino targeting us players. I want to make it absolutely clear that XXXX well aware when it comes to gambling there is a very high probability of losing money. I have no issues Accepting responsibility for my actions and that is not the reason XXXX filing the dispute. The reason why XXXX filing a dispute is because the casino has commited unethical business practices as explained by the gambling commission as predatory tactics by delaying Winnings and implementing rules not within their own terms and conditions. I ended up contacting the gambling commission to make a complaint and soon discovered the casinos is operating without a valid license and is unregulated. After depositing in excess of over XXXX $ to this company I finally got lucky and won XXXX And was excited to recoup some of loses however when it came time to get paid my withdraw was denied. The casino first accused my account has not gone through the verification process which was their reason for not processing my payment. My account was already approved and I have saved the documents which was given to me by their own security department. After providing them the documents the casino Proceeded to say the passport in the document just recently expired in XXXX of XXXX and for that reason they can not process my payment. The expired passport they were referring to is the same exact passport witch matching serial numbers they accepted and used to verify my account. I asked the casino if they can show me point to me under terms and conditions Does it say documents are required to be kept up to date? Furthermore under terms and conditon it clearly states that documents are required when processing NEW PLAYERS ( XXXX not new ) and that these procedures are to ensure it be integrity of both PURCHASES and WITHDRAWS. However I have made multiple deposits since my passport expired yet the casino never blocked my account from depositing or request documents for verification, it was only when I attempted to withdraw did they decided to enforce a rule that shouldnt have been applied to me in the first place. I asked the casino if they can please give me an explanation and address my concerns however the casino was unable to give a valid answer. The casino proceeded to confiscate my winnings blocked my account and stop responding to my emails and phone calls.
06/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92113
Web Servicemember
I noticed suspicious activity on my Chime Bank Checking account on XX/XX/2022 and immediately contact Chime back via the mobile app. I alerted the bank that Id received Suspicious/SCAM messages via XXXX messenger , stating that Id won a bank-contest and that information was needed before the funds would be deposited. Chime Bank confirmed that this was indeed a SCAM and should be ignored. The bank immediately suspended my account and new cards were issued. On XX/XX/2022 at XXXX PST, my payroll wages were deposited into my account from XXXX XXXXXXXX XXXX XXXX XXXX the amount of {$1100.00}. From that amount, {$110.00} is automatically deposited into my Chime Checking account leaving {$820.00} in Checking and {$110.00} in Savings. I made the following payments from my account : {$45.00} to XXXX, {$35.00} to XXXX, {$260.00} to XXXX XXXX, {$47.00} to XXXX, {$14.00} to XXXX. I also transferred {$300.00} to my Chime Credit Builder account. The total amount in each account as of XXXX ; XXXX on XX/XX/2022 was {$300.00} in XXXX XXXX account. {$110.00} in Chime Savings account and {$520.00} in Checking account. On XX/XX/2022 at around XXXX, I received an email from Chime bank, stating that the phone number associated with my account had been changed and updated to a phone number that I DID NOT recognize. The phone number listed was ( XXXX ) XXXX a XXXX XXXX subscriber number. My account was suspended and I was not able to access any of my bank account information. I attempted to use my Chime Credit card at XXXX AM at XXXX XXXX to rent a vehicle and the transaction was declined. I immediately contacted Chime bank because the funds should have been available. The bank was unable to verify my identity ( because the phone number associated with the account had been changed ) and would not provide me with the information over the phone. My bank account was locked and unable to be accessed for XXXX hours and only when I submitted a copy of both my Drivers license and a photo of me holding the drivers license was my bank account unlocked and I was granted access. THIS IS WHEN I DISCOVERED THAT ALL OF MY FUNDS HAD BEEN WITHDRAWN FROM ALL THREE ACCOUNTS. The funds from my payroll, including the Overdraft were withdrawn and sent to Paysend.com I attempted to stop with transaction with the bank agent, but was told that I could not stop the transaction because it was still Pending and only after it cleared would I be able to dispute it. I continued telling the agent that I did not authorize this transaction and that no one had access to my banking information. The transaction cleared my account, leaving nothing but an Overdraft balance of - {$0.00} I have continued trying to work with Chime bank to get the funds returned and have submitted XXXX disputes because I did not authorize this transaction. My accounts have been locked, reset, and unlocked XXXX times in the past 7 days with no success. Chime bank had denied each dispute that I have submitted, claiming that I did authorize the transaction. After going back and forth with the bank with no luck, I submitted a police report with the XXXX XXXX Police Department on XX/XX/2022. I received word from XXXX that it was not a case of Identity Theft, but rather an Internet Crime and a report should be filed here. I stressI DID NOT AUTHORIZE THE TRANSACTION FOR {$670.00} to be made from my account. I have never done business with XXXX This transaction was not made by me, no one had access to my debit card or credit card. I have not been able to get any information from XXXX other than that it is a Money transfer service. There is no contact phone number in which to speak with an agent to get any information.
02/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 182XX
Web
I made a purchase for " Meow Mix Original Choice Dry Cat Food 22 Lb. Bag NEW '' on XX/XX/2023. I contacted the seller a few days after I purchased it because I purchased it on a Monday. It was Friday and the item showed that it still wasn't shipped. I thought that was odd. After contacting the seller, they updated a tracking number and showed it was delivered. It turned out that the item was NOT shipped to the address that I provided in my purchase. I have attached a screenshot to show both the address I provided on XXXX for the seller to ship to and also the address that the seller shipped to. I contacted XXXX and they provided me a document that shows the location that the package was delivered to. It was delivered over XXXX miles away from my address. I contacted the seller to show this proof. I sent them screenshots from XXXX showing the delivery address was not my address. I also brought up the fact that on the delivery confirmation with XXXX the weight of the package doesn't align with the weight of cat food. The weight was XXXX pounds for the cat food and the item that shows as delivered XXXX miles from my address is only 0.90 pounds. It also shows the item was delivered at a dock. I do not own a dock... this is literally a meat packaging facility that my package was delivered to and it also shows that a person by the name of " XXXX '' signed for it. I have provided ALL of this information to Chime. I even provided screenshots of me and the sellers direct correspondence to eachother. I disputed the case two individual times and BOTH were denied. Chime literally tried to tell me the seller refunded me partially when they haven't. They tried to tell me that two deposits I got in my bank account of {$9.00} and {$11.00} was refunded from THAT seller. Those were refunds from two other items that I purchased that were unrelated to this purchase! I have also attached the screenshots from them here. Chime claims that I did not try to resolve it with the seller. I have screenshots to provide that I did try to resolve it with the seller and they stopped responding all together. I was straight up scammed by this seller and provided so much evidence to Chime.. but I am getting nowhere with them. They just say they will escalate the claim and then they deny it! I have no choice but to report them here. I want someone who is competent to review my information. To summarize : XXXX have provided screenshots of the purchase confirmation page which shows MY ACTUAL address I provided the seller. XXXX have provided a proof of delivery from UPS which shows the actual address it was delivered to which was NOT MY ADDRESS. You can also see the weight of the package does not match with the bag ( it was a 22 pound bag of cat food and the package shows as only 0.90 pounds ). Also, shows a XXXX picked it up at a dock. My house last name is XXXX. There is no XXXX living here. -I have provided proof of correspondence between me and the seller.. he does not refund me and he completely stops communicating with me all together after calling him out on his scam. -I have provided two screenshots of the purchase amounts of {$9.00} and {$11.00} because Chime is claiming that those were refunds from the seller when this was two different purchases that I had refunded the same day right after purchasing! I have enough evidence to show that NO package was delivered. This seller is a dropshipper. On the item page that I purchased from it shows they ship from XXXX Illinois. But the XXXX delivery page shows it was shipped from a company named XXXX and it's located in XXXX Tennessee. I want my money back in FULL in the amount of the purchase price of {$31.00}.
11/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • GA
  • 304XX
Web
XXXX TICKET # XXXX ( XX/XX/XXXX ) 2023 EMAIL TICKET # XXXX ( XX/XX/XXXX ) 2023 Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XXXX Claim Total : {$5000.00} I XXXX XXXX XXXX Received an email stating ; " Hi XXXX, Thank you for reaching out to Chime Dispute support, I'm sorry to hear about the difficulty you're experiencing. 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. Here are the options that you have if you do not agree with the outcome of your dispute XXXX. You can request the documents we used during our investigation if you disagree with the outcome of your dispute. The documents will include : Information that was available to us while we investigated your dispute Additional information or evidence from the bank, if any was provided You also have the option to submit a rebuttal for your claim. A rebuttal is a reinvestigation of your claim in which you are able to submit new information that was not previously available to our Investigation Team. Note that new information is not required when submitting a rebuttal but it will be helpful to our investigation. Thank you for being such a loyal Chime Member. We really appreciate your time and business with us. Further, if you need any additional assistance do reach out to us and we will be glad to assist you. For more information on disputes, check out our Help Center. We at Chime are available 24/7 on the live chat support. Alternatively you can email us at XXXX or call us at XXXX. Regards, Balkrishna | Chime Dispute Support '' The agent that I am currently on the phone with ; XXXX wanted me to write out a statement regarding what happens on XXXX the XXXX 2023. She sent me an email To attach this statement to and it stated Hi, XXXX at the the top of the email. I then had to ask her to send another email with my name XXXX, which she then did Below https : XXXX I received an email stating that money was being transferred out of my account The email had {$640.00} and I needed to call my bank which I assumed was the XXXX number at the bottom of the email. I called the number, and someone pretended I'm assuming to be a chime representative, and I then gave them the information which was my pay anyone transfer number to be able to cancel this transaction. Then from XXXX XXXX to XXXXXXXX XXXX all together XXXX.was transferred out of my account the following email provided with the amounts below XXXXXXXX XXXX XXXX XXXX XXXX Refund of XXXX XXXX XXXX XXXX XXXX I then filed a dispute for {$2000.00} because that is all that was missing from my account at that time. Nine minutes later at XXXXXXXX XXXX I realized that another {$2000.00} was missing from my account. To continue, I then filed another claim because by the time I reached someone on the phone {$5000.00} was taken out of my account unauthorized. As you can see above the transfer add up to {$5000.00} I don't understand why this has happened to me I have never used pay anyone transfer that I can recall. I have been a customer with you all for a long time, and I should be treated like a valuable customer like anyone else. I hope that Chime realizes that I did not do this and will refund my money. I am XXXX XXXX XXXX and I still work everyday for my money, and it is hard for me right now because my husband is XXXX XXXX XXXX, and I honestly don't know what else to do besides go through small claims court if this isn't resolved. I hope I don't have to do that, because it is going to be a headache for both of us. All I want is my money back that was stolen from my account. Thank you XXXX XXXX
07/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 10452
Web
The morning of Monday XX/XX/2023 at XXXX, I received my direct deposit from my job ( as was normal due to the early direct deposit option proposed by Chime ). Shortly thereafter, when I tried to check my account balance I realized I was logged out of my account ( I use Face ID on the app so my keychain information always popped up but the information wasnt listed at this time ). When I tried to input my information, it gave me an error notice that my account had been closed and to call customer service. After a couple of seconds, I was sent an email stating that my checking, savings, and credit builder accounts were closed ( the email worded the closure as happening in the future but listed the day of as the closure date ). I immediately called Chime customer service at the number that was listed in the email and was going around in circles because the automated bot service doesnt list a live representative as one of the immediate options. I finally selected the fraud hotline option to get a real person on the phone, despite that not being my issue and was successful in reaching someone. I explained the issue to the representative on the phone and I was told that the department he was in isnt equipped to handle my inquiry and I was transferred to a representative in Member Services who tried to be helpful but ended the conversation with I cant really tell you anything more than you violated the terms and conditions of your Deposit Agreement, and you have to send an email to Chime Account Review to get more information. Frustrated that I had spent over 45 minutes on the phone to be back at XXXX XXXX, I sent an email to the Account Review board inquiring about my situation and was told the same thing by four other representatives on email. XXXX representative requested personal information verifying my identity and listed the reason for my account being closed as : We couldnt verify that you were the intended recipient of this deposit ( Ive worked at the same company since XX/XX/2023 and get paid weekly, so Ive gotten this direct deposit many times from XXXX to the second week of XXXX with no interruptions, and I have been a client of Chime Bank for years prior to this ). I sent documentation to the representative who requested it, including my valid ID and my most recent deposit information for the past XXXX months ( there was actually a lot more information that was requested of me ). After a few hours, I sent a follow up inquiry asking about the status of my account multiple times and was sent back what seems to be an automated response based on certain keywords found in the emails that didnt answer my question or even pertain to the inquiry I sent. For example, one email I sent said : Good afternoon! I am sending a follow up email about the status of my account now that I have sent my documentation over as requested by one of the representatives. The response back to me was : We can not give you anymore information about your account until you send in documentation verifying your identity and that you are the intended recipient of this deposit. When I responded saying that I indeed have already submitted my documentation, I received no follow email or response. Im concerned because not only did they list my account as not being able to be refunded or reopened without reviewing my documentation, I have already submitted extremely sensitive information to verify my identity through their email thread that doesnt seem very secure. As of XX/XX/2023 at XXXX, I have not received any sort of response, update, or final decision nor have I received any information about the money that was in my account at the time of closure.
06/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • IL
  • 60046
Web
My bank is holding me a liable for fraudulent activity I told them everything that happen and provided screenshots of receipt and merchant email and police report Chime XXXX denied my dispute even when I said i didnt make the purchase it was unauthorized of {$300.00} chime say there no error in unauthorized transaction I lost my card and it got stolen to where someone spent my hard working money just for them spend it on things They like how is that fair I know if it was your money you would he XXXX off as much me if you go work for so many hours just to have your money stolen plz grant my request and give my money back I needed that money from work to get back and forth and now I have zero transportation because I got my money stolen and They denied my request saying no error has occurred my daughter thats XXXX XXXX XXXX told me she may those purchases without permission she me she saw a AD where if you did download this XXXX game to win money and when she saw that you had to pay first she went on a spending spree that ended costing me {$300.00} which that was my work transportation sense I take XXXX back and forth I work two jobs trying to provide for my family I hope you could understand I was only making enough to travel to work and trying to feed my family no matter what I said to chime they denied my request to return my money 13 times I need assistance to get it back from chime they need to be held responsible and accountable for their actions this all they keep saying over their dispute investigation team not taking me serious I need assistance Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : XXXX XXXX Date Error Reported : XXXX Claim Amount : {$300.00} Hi XXXX XXXX XXXX We received your request to reopen your claim listed above. We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed. Chime dispute department even when I tell them what happen they still dont care they refuse to give me my money back even thoe I told what has happened your dispute department let people who take other people money and get away with it like all I wanted was my money back but come refuse is there a higher up I can talk that can override your dispute department decision because this not going anywhere I want my {$300.00} back I wont stop to get it no matter what I do the dispute department won't accept I'm not a fault what happen I didn't give my daughter permission and chime having some kind of grudge against me for some reason i know for a fact if y'all was in my shoes and lost money y'all would have contact your bank for a dispute when I tried to contact my bank they rejected my dispute of {$300.00} three times in a row so chime this is okay I told them what happen that i didn't do it and that my daughter did without my consent I can see chime doesn't have my back at all I would like to speak to a higher up that's above the dispute department my daughter thats XXXX XXXX XXXX told me she may those purchases without permission she me she saw a AD where if you download this bingo game you can try to win money and when she saw that you had to pay first she went on a spending spree with my XXXX XXXX that ended costing me {$300.00} which that was my work transportation sense I take XXXX back and forth I work two jobs trying to provide for my family I hope you could understand I was only making enough to travel to work and trying to feed my family like I said this purchase was unauthorized
03/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • OH
  • XXXXX
Web
I am a CHIME customer before this initial issue I was with them over a year in XXXX of XXXX my IRS tax refund was deposited on XXXX into my chime checking account over a month later they suddenly suspended my checking account causing my monthly deposits to be returned when I address the issue with chime and sent them everything they asked for over & over & over again for weeks into months now almost a year they still kept sending emails saying they need these same documents! I had a refund from XXXX for buying a pool for over {$1000.00} dollars but chime said when the account is suspended or closed the account can no longer receive deposit refunds withdrawals & such so XXXX kept trying to refund this money to chime after several tries XXXX called Chime begging them to allow this refund to go back into this suspended account CHIME allowed this transition after telling me they wouldn't except any money that wants or needs to go into this suspended account going against their OWN RULES after they sent my pay deposits back in this case making it even HARDER for me to get my money from XXXX which XXXX went against me by refunding my money to a suspended checking account after months of waiting for them to figure out another way to give me my refund back this has been almost a year chime has had over {$1300.00} hundred dollars of my money and simply refuses to give it back I have over 70 emails going back & forth sending them countless forms of my state I.D pics of me hold SSI card bills with current address even receipts for XX/XX/XXXX pool purchase I have given them everything they have asked for in the formats PDF they asked for and still they send the same email asking for these documents that they already have had in countless emails I've emailed CHIME about closing my account and they send the same email I've asked too speak to supervisor nothing this has been going on since XX/XX/XXXX they waited over a month to suspend my checking account by saying they feel my IRS refund was suspicious & they have to suspend my account until I proved where XXXX deposit came From and so I did sending XXXX IRS TAX TRANSCRIPT I have every email I have sent too CHIME to verify this claim there isn't one thing they have done to help me or give me my money back they have went against their own rules of not excepting any deposits refunds & such to my suspended account and went behind my back to except a refund from XXXX while my account was suspended which happened in XXXX of XXXX 3-4 months after account has been suspended there is NO EXCUSE CHIME CAN GIVE ME for this horrible customer service they have stolen my money of over {$1300.00} hundred dollars and still almost a year of disputing this with CHIME XXXX XXXX here we are still nothing they robbed me someone please help me I need my money back I live on a fixed income I have tons of proof that I acted in a timely manner and provided them with all the documents they asked for PDF formats and never got suspension off my account so that I may have access again to my account because of them I almost was evicted because they sent my monthly deposits back but yet excepted a XXXX refund against their rule they won't even let me close my account humm could it be because my money 's not I'm my account anymore because they took it there has to be a LAW there breaking by doing this I just want access to my checking account to get my money please this has went on long enough I proved & provided who I am that this is my account and did what they ask and they have robbed me of my rights stealing my money of again almost a YEAR OF XXXX they are putting me through HELP PLEASE XXXX XXXX XXXX
10/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 142XX
Web
On XX/XX/XXXX there was a transaction not authorized in the amount of {$200.00} that was declined due to insufficient funds from a XXXX XXXX account then not long after another transaction not authorized in the amount of {$200.00} that did go through and take the money out of my account from another XXXX XXXX account in a different name and made out of California then the next day on XX/XX/XXXX there was another not authorized transaction from a XXXX in XXXX Washington that was stopped due to fraudulent activity then not long after that one another XXXX transaction from XXXX Washington went through and money was taking out of my account in the amount of {$25.00}. I reached out to my bank which is Chime immediately when I noticed while I was at work told them what was going on and wanted to lock all of my cards and account immediately and they told me I had to wait until those transactions are out of pending status to do anything. Instead of trying to stop them which didnt make any sense to me by the way. I asked them how someone charged my account using my debit card when I still had my debit card in possession and if there was anything I can do to help they said you have to wait until they are out of pending status to do anything and once clear they can start a dispute. Once the XXXX XXXX cleared which was the next day I called and asked to start the dispute process so I can get my money back in account and had them send me new cards for my account, they asked a few questions and I mentioned the XXXX transaction again and let them know that one was still pending but I still wanted to get the ball rolling they put me on hold came back and told me that transaction was canceled and now can add it to dispute I was frustrated and told them yous just had me wait a day for the bigger transaction to get out of pending status but just stopped that one he told me he didnt stop it that they did on their side ( XXXX XXXX but was canceled by the way while on hold came back and said it was canceled. So I filed the disputes and they were denied. I called them and asked them why were they denied and they told me they would send the documents they had that gave them the final decision and could take up to 10 days to receive it and told me I could start a rebuttal to send them proof showing my location and what I was doing on that time and it really rubbed me the wrong way because I have been a member of chime since XXXX never an issue at all but I sent them all kinds of documents showing proof of exact gps location, pay stub for the week many transactions before and after those ones that werent authorized with physical receipts with exact store number remind you these transactions were in XXXX Washington and California and I live in XXXX NY on the other side of the country they denied my dispute 4 times even other chime members I spoke to after spending 3 days on the phone!! Said I see you definitely sent more then enough information to prove and verify the transactions arent yours they would handle and resolve it immediately then kept getting denied I dont know what else to do and this isnt right I work very hard for my money and take care of XXXX babies and a fianc and self and never had anything like this happen to me before and I pretty much did all the investigating to verify these transactions were clearly not me and mentioned they even stopped them due to fraudulent activity and wish they would have froze my account after that first very first transaction took place and confirm and verify it with me because either one of those transactions would have occurred and isnt right and now refuses to give me my money back
05/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NY
  • 10469
Web
To whom it might concern. Regarding my account. There seems to be a slight problem with my account. After speaking to a representative from chime support my card was deactivated. Then talking to your representatives for over XXXX hrs My account was closed. Reason was I violated user terms of agreement. Reason ( XXXX XXXX, Chime has found that your behavior violates our anti-harassment code of conduct. Therefore your Chime account has been closed. ) If you still have funds in this account, please allow 14 days for any outstanding transactions to settle. Then, a physical check for the balance will be sent to the address on file. You should receive your closure check shortly after. Thanks, XXXX | Chime Member Services This is incorrect if the conversation was recorded please review the recording. As I asked for assistance to resolve the matter I originally called for was a transaction that was on my account that was not recognized Dd/Br for the amount of XXXX XX/XX/XXXX @ XXXX This was the reason I was provided for the deactivated chime card. After talking to a supervisor rat the dispute department I informed them not to deactivate my card I would just pay the amount that was not recognized. And then proceeded to disconnect the call.. I then checked my card @ XXXX to find it was deactivated Then I proceeded to call back chime support to try to find out what was going on with my account. These conversations went on for the first XXXX and XXXX After getting no where with the representative I disconnected the call to call right back this went on for another XXXX mins. XXXX representative was providing me with some information regarding this process of card deactivation he placed me on hold the pick right back up and stated that I called him out and was irrational stated that he would close my account that's when I explained to him what was he talking if your not going to assist me please transfer the call to someone that would. The call was then placed on hold and I proceeded to disconnect the call again. To call right back to talk with another representative. This call lasted 10 mins This representative informed me that I was able to use my temporary chime card untill my card arrived in 7 to 10 days. I also asked was my account in good standings his reply was you have no problem with my account everything is fine. This call was disconnected. This was the last conversation I had with any of these representative at chime on the XXXX of XXXX. XX/XX/XXXX I received an email message from chime. The message stated my behavior violates the service terms of agreement therefore my account will be closed If asking for assistance with my account violated user terms and agreement then some thing is wrong. When asking for assistance from a representative that would provide me with the assistance needed when it is needed is imperative to resolve a problem correctly and Is expected as most of your representatives decided to not recognized my concern with my account and decided to take unnecessary actions against me. Also take into account the recording of the conversations. Please review them. Then decide who was at fault. Deactivated my card without authorization from myself Then closing my account when the original problem was never addressed correctly. My account balance {$2100.00} please refund the total amount to the correct address on file. I rather wait for my refund then to deal with unpleasant unprofessional representatives that enjoy toying with people 's emotions laughing and transferring calls to avoid dealing with the problem at hand leaving us on hold for over 2hrs at a time
01/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 76053
Web
XX/XX/2023, XXXXXX/XX/XXXXfunds were transferred out of my savings account into my checking account by an unauthorized user. XX/XX/XXXX{$1900.00} was transferred out of my account to XXXX unauthorized XXXXXX/XX/XXXX I got notification on my phone, logged into my chime app and was able to cancel the transaction, and move the money back to my savings. XXXXXX/XX/XXXX{$1900.00} transferred back out of my account to XXXX XXXXXX/XX/XXXXI was able to cancel the transaction and put the money back into my account. XXXXXX/XX/XXXX. I transferred my money back to savings XXXXXX/XX/XXXX I called Chime to notify them of this fraudulent activity XXXXXX/XX/XXXX., while on hold waiting for an agent, a different person was able to get into my account, transfer {$1900.00} out of my savings XXXXXX/XX/XXXX I was able to transfer the {$1900.00} back to my savings XXXXXX/XX/XXXX while on phone with Chime agent, {$2000.00} was transferred out of my savings XXXXXX/XX/XXXX. {$1900.00} was transferred out of my account and payed to $ XXXX XXXX XXXX, payment immediately went final, could not reverse the transaction Notified the agent of this unauthorized transaction, XXXX filed a claim for this transaction. I also had to have the agent reset my email address, phone number, and password for my account because i could not access with my saved details so these items were changed by someone, other than myself, to gain access to my account. This was all documented by the agent that i was on the phone with. I had to email them a photo of my drivers license, front and back, as well as a selfie holding a piece of paper with the date and my name for authorization. XXXXXX/XX/XXXX {$780.00} was transferred out of my savings account by another person, unauthorized. XXXXXX/XX/XXXX.00} was transferred from my account and paid toXX/XX/XXXX. Called Chime back to let them know that i did not authorize this transaction. XXXX said that transaction was still pending, They filed a claim for it and said that if the merchant didn't claim the money within XXXX business days it would be returned to my account. XX/XX/2023 I got an email from Chime saying that the claim for the first transaction was denied because they couldn't find anything wrong with the transaction, I immediately called them and the agent filed a rebuttal for me. The agent said that the process could take until XX/XX/XXXX. XXXX also said that I was eligible for a temporary " credit '' of the {$1900.00} that should be in my account no later than XX/XX/XXXX. Still no deposit from Chime. This deposit should not be temporary considering all the evidence that I did not make or authorize this transaction and the measures I took prior to the final transaction taking place. XX/XX/2023 The merchant claimed the transaction for the amount of {$940.00}, I called Chime to let them know. The agent on the phone filed the claim for me. XX/XX/2023 XXXX a denial email from Chime for the {$940.00} claim, stated found no problem with transaction. Called Chime, agent filed rebuttal, said that I qualified for a temporary " credit '' to be deposited into my account no later than XX/XX/2023. My money was not temporary and these claims were not authorized by myself or my wife. There is plenty of evidence that i provided them and the claims department can look at my account and see all the activity to see that these transactions were fraudulent. I am on XXXX and my account was drained of all the money I had. I needed my money to pay my bills and the bill XXXX don't care about the problems that i am having. Please interact with Chime to get my money back in my account.
06/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 92040
Web
On Saturday XX/XX/2022 I was in XXXX XXXX California at my home at XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX when I received a notification that my chime account was charged for {$54.00} by a company out of XXXX California called XXXX XXXX As soon as I saw this text notification, I received another text notification that another charge pf {$29.00} was declined due to non sufficient funds ( the account only had around {$60.00} in it at that time and after the unauthorized {$54.00} charge my funds had been depleted under the attempted {$29.00} charge. I immediately called Chime and notified them of this. I was told since I needed my current card to stay active for my work, that I wouldnt want to submit a fraud claim until after I recieved my new card which was fine. I also want to note that I saw 3 more unauthorized and unknown charges however I have been unable to get a hold of these 3 other merchants so I am not going to include them in this complaint. The representative I spoke to also suggested i try and get a hold of the merchant, XXXX XXXX. I was able to find their information on XXXX and I verified they are a store in a mall in XXXX California who only does in person transactions, they do not do internet transactions. I am including this information because 1 of the many supervisors I spoke to at Chime told me I made the charge online which is false. I was able to contact XXXX XXXX and they confirmed the transaction and confirmed it was an in store transaction for the amount I listed ... .they then also confirmed the 2nd declined transaction did take place but was declined due to nsf. I received my new card on Thursday, XX/XX/2022. I activated my new card and then submitted my claim through the chime app to receive the money back for the fraudulent charge. Approximately 25 minutes after submitting my claim, I received an email from Chime that said they are dealing my claim because I made these charges myself. I explained to them that these charges originated out of XXXX California and I have not been to XXXX California ( 750 miles away from my home ) in many years. I have now spoke on to a total of XXXX people at Chime. I have been called names, hung up on, told I was lying and I really made these charges, and laughed at by representatives. I have tried to escalate to a higher tier of customer service but have been denied. I have requested callbacks from the Vice President of Member Experiences XXXX XXXX but have been denied by tier 2 ( supervisors ) customer service. I have done everything in my power to prove that I did not make these charges to include referencing chime to simply look at my account and they can see charges taking place in XXXX XXXX, thus I couldnt have been in XXXX to make these charges. They have caused me a great deal of stress and anger. They refuse to help me and they only ever tell me that their decision is final. I dont know what to do... I am not a rich man. I just want my {$54.00} back and I will move on from them. Please help. Chime is stealing from people and not letting people move up their chain of COMMAND to proper levels of management who can actually do something about this. Based on the number of claims put in and the amount of complaints with the Better Business Bureau, Department of Financial Protection and Innovation, and Consumer Financial Protection Bureau, I believe someone on the inside of Chime is protecting themselves from letting these matters be escalated. I did not AUTHORIZE this or any of the charges I submitted. The charges originated out of XXXX California and I reside in XXXX XXXX California. Please help.
07/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CT
  • 06492
Web
OnXX/XX/XXXX I tried to log on to my Chime account and it came back saying my account was locked. I emailed Chime and received an email back from Chime stating that they will need me to submit a copy of my photo ID and documentation showing I am the owner of three listed cards. I immediately submitted all requested documentation. Each time I submitted the requested documentation I received a generic email back from Chime stating they needed a copy of my photo ID and documentation of three listed cards. I submitted the requested documentation SIX times and called Chime because one of the cards listed is under my father 's name ( my name is on the bank account ). I explained to Chime that I do not have a photo of that card, it is my father 's card and they will be able to see that they've allowed me to deposit money from it multiple times throughout my long relationship with Chime. The representative understood and assured me that it wasn't an issue, and they would unlock my account. A few moments went by before I received an updated email from Chime that requested a copy of my photo ID and documentation for TWO cards - Chime removed the card that belonged to my father. I resubmitted the requested documentation. No more than a few moments passed before I received another generic email from Chime stating my account has been closed and is " not eligible for a refund ''. The money in my account isn't a " REFUND '' ... it's MY balance from MY direct deposit paychecks that were deposited into Chime for over a year and a half. I reached out to Chime via phone a minimum of 6 times and was assured an appeal was sent on my behalf and my account would be reopened. I reached out to Chime via email 23 times and continued to receive generic template email responses stating that they had a right to keep my money because I tried to deposit money using a card under my father 's name. I had attempted to deposit money, using the same card under my father 's name that I've used with Chime four times in the past, and Chime declined the deposit. Chime was stating that the balance is fraudulent and not eligible for refund. After going back and forth with Chime for days I was finally able to get someone to understand that just because I used my father 's card, which allegedly violations their terms and conditions ( which I read up and down 8 times - it does not violate their terms and conditions ) does not mean my balance is fraudulent- it means it's misconduct at MOST and that anyone at Chime can easily review my account and see that the balance is from my last paycheck that is directly deposited on a biweekly basis. Finally, I received an email stating that my balance would be mailed to me after 14 days and I would receive it within 30 days. It has been 17 days since I received that notice. I emailed Chime yesterday for confirmation that my balance has been mailed to me. I received a generic template stating they will not send it to me until I submit documentation. I emailed back and attached the email from Chime stating they would mail my balance after 14 days. The next response from Chime was a member asking what the issue was. I responded explaining every detail. The last response from Chime was from XXXX XXXX today, XXXX XXXX XXXX stating that they need more time to review my balance before they will send it out. I did some research regarding this issue with Chime and was pained to see that this is a common occurrence. I loved Chime. I raved about them. Now they are illegally keeping my money and giving me the run around when it comes to actually mailing my balance to me.
06/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WI
  • 532XX
Web
My chime account was strictly used to receive payments that I was eligible for during the pandemic. I never went into it for anything unless absolutely necessary, as it was for emergencies only. A few weeks ago There were weird emails I started receiving regarding my chime account notifying me of my debit pin, email being changed as well as a login being made in Virginia ( Have never been there before ). So I began looking through all of my emails regarding chime and I discovered that this stems back to a few years ago when I began receiving covid payments. Now I noticed money being taken out of my account, but it was so much that I wasn't even sure that I would be able to do a regular dispute or even get my money back at all. SO i filed a police report as well as a complaint/report with the FBI and FTC. I was told to attempt to dispute all of the money that was stolen from me and my children before escalating it with the law. So I disputed the transactions about 30 minutes ago and I am now providing the necessary information as well as documents to help resolve the situation in the best way possible. I have never linked a chime debit card with my apple wallet and I found an email notifying me of a card being added to apple pay around the same time as my account pin and email being changed behind my back. A complete stranger 's apple wallet was being loaded using my account 's chime debit card that I never even had in my possession. I have spent almost 2 years trying to recover from this and my local police department barely even attempted to help me recover my stolen money. I have been in contact with a lawyer regarding the issue if there is any more trouble recovering what was stolen from me. Chime has been an amazing bank to me for years outside of this so I really hope the information as well as documents I provide in this email are helpful enough to resolve this issue and end the nightmare my family and I have been put through as a result of thieves taking everything I ever had in this account. More information worth noting is the frequency of these fraudulent transactions being made on my account. For the most part, they were always spread apart by at least a few days to prevent any alerts being made to me. I have done thorough research regarding cyber crime and learned a lot about how these things go down under the noses of victims like myself. My email has been subscribed to spam letters that I have failed to get around to cancelling for quite some time now. These emails would vary from loan offers to job posts. None of which I have ever volunteered to receive. This is known formally as " email bombing '' which is used in order to stop victims like myself from noticing emails from banks and such that would prevent the thief from pulling off the scam. I also learned about " sim swapping '' which is used to swap numbers with the victim. This was used by the thief to verify using the sms code sent to my phone. I never once received these messages even though that is the necessary way to get into my account. I am also going to attach all of the past reports and complaints I have filed regarding this issue on top of the most recent and informational reports I have made if that is fine with you guys. I made sure to put as much detail as possible in this email as well as the files I provided below. If there are any questions you guys have please do not hesitate to email me as soon as possible. I will provide whatever is needed for this issue to be resolved as it has been a struggle to provide for my kids as well as my mother who is unable to work.
12/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 20111
Web
On XX/XX/2022, I received an email from Chime saying my account is going to be closed on XX/XX/2022, with no explanation or reason. I then tried to email Chime ( XXXX ) multiple times and have gotten no response back. I called Chime support and was told that they dont know why my account got closed and read the same email that was sent to me with no explanation. I was then given this fake email ( XXXX ) by a customer representative over the phone and was told to send an email asking to appeal my account closure. Another customer representative told me that email does not belong to Chime. I had XXXX transaction disputes that were open during the time they randomly closed my account for no reason. The first dispute is a scam on XXXX that was not investigated properly. I was scammed on XXXX for {$1100.00} on XX/XX/2022, and received a candle instead of the XXXX XXXX XXXX I ordered. I tried contacting XXXX and they told me that my account is permanently suspended for violating their buyer abuse policy, even after the fact that was only my second order ever on XXXX. XXXX told me that they cant do about it and I have to make a dispute with my bank. I filed the dispute with Chime in order to return the candle to get my money back and they conducted an improper investigation and used no evidence in order to deny my claim except that XXXX said that I have the merchandise and I never tried to return it or message the seller which I cant do if my account is permanently suspended instantly. I filed multiple rebuttals and they keep denying it with no evidence, since my Chime account is now closed there is nothing I can do. The second dispute is a scam on XXXX ( XXXX ) that was never investigated at all. I got scammed for {$940.00} on XXXX on XX/XX/2022, and received a XXXX XXXX instead of the XXXX XXXX XXXX XXXX XXXX I ordered from the XXXX app. I send an email to XXXX about the scam and continuously kept getting ignored, so I tried calling the number they have on their website but the number was unavailable. I then filed the dispute with Chime in order for me to return the XXXX XXXX which is worth only {$10.00}, and they closed my account in the middle of the disputes process. I also filed a claim with XXXX about this and they told me the dispute it ineligible for XXXX XXXX protection and they couldnt give me a reason why. They told me dispute it with my bank but Chime has closed my account down after I filed my dispute without completing the investigation. XXXX is now waiting for a response from Chime that they will not receive because Chime has closed my account. The third dispute is a scam on XXXX ( XXXX ) on XX/XX/2022, I ordered a pair of XXXX XXXX XXXX Sneakers for {$550.00} and received a replica pair of the shoe. I then tried to send an email to the email address that is on their website saying I wanted to return the fake replica shoes for a refund and was greeted with a messaging saying that email address does not exist. I then called the phone number on their website and the number was unavailable. Then the same thing happened again, XXXX denied my claim and couldnt give me a reason except telling me to dispute it with my bank. Then Chime closing my account after I filed the dispute without investigating it at all. Chime has unfairly closed my account for no reason and has failed to tell me why my account is closed or do a proper investigation of my claims. They have lied to me and cheated me out of my money. The disputes team at Chime is horrible, they have laughed at me, told me false information, and have flat out not done their job.
07/25/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • OH
  • 44108
Web
Dear, CFBP : On XX/XX/2023, I XXXX XXXX got on to my regular Chime Bank XXXX and attempted to upgrade my address to link my XXXX debit card to my Chime Bank debit and credit cards, that I've had for several years now. To pay my bills, like I usually do and what is a regular function that they keep on their app for customers to use, so I thought no bad business would come from connecting the two banks. However ; for some reason, several different errors message kept reading : " Unable to Link Accounts '', and to " Call the Chime 'Bank XXXX Customer Service Department XXXX, to get more answers and find out why there was so many error message sent out to me. So, I stopped trying to link my XXXX account to my Chime Bank and decided to physically go to my XXXX XXXX and withdraw {$500.00} to put into my Chime Bank account through their XXXX Pay System. A transactions I have always done in the past, which is the only way Chime Bank will let customer deposit their funds into the system. Having the XXXX receipt in hand, I went home to pay my bills, never thinking or knowing that on XX/XX/2023 at XXXX Chime Bank would suspend and lock my money and account away from me. And its been 8 days since they refuse to unlocked my account, and return the monies that I just put in there after just making a simple financial transactions that would show up in their Chime Banking System and in my account, automatically, this is very suspicious to me. So I immediately went to call Chime Bank CSR department to find out why the account was suspended and locked before anyone inside their company would notify me, warn me of any fraud, or let me know why they could not get the needed information in a better and more timely manner, so I can pay my bills and buy groceries. After being on the phone with Chime Bank CSR, I realized that there were no fluent XXXX XXXX speaking agents and that all of them were working internationally and claimed they could not communicate with any higher-up management or supervisors. Yet I continue to convey to more than several CSR, that there was no fraud happening, this was all of my transactions, and that I need to speak with someone that can understand me clearly and that could deescalate this case for me, so I can feed my family and pay my bills. The CSR agents then just kept repeatedly sending me the same email messages, even after I sent all my personal information, they ask for over and over again to prove that I am myself, through their portal links, such as www.chime.com,, XXXX, XXXX, and a document link XXXX XXXX XXXX XXXXXXXX. The CSR agents can not answer the whys Chime Bank all keep taking me through the same email loops, asking for the same or similar information over and over again, locking up {$500.00} of my money, without acknowledging any of the information I have already sent into them, and continue to send me the same several random emails, asking for verification with no real follow through on their part. This is fraudulent and scammers behaviors. I have given proof of my identity, and Chime " Bank '' shut down my account, telling me that they would not give me my {$500.00} back. After they shut down my Chime account they sent an email asking for information from my XXXX XXXX, and that is raising many red flags for me. The way they are handling themselves is unprofessional, so I am making this complaint to resolve the problems I have with Chime Bank. I hope to remedy and deescalate these types of behaviors and get some proper answers as soon as possible, as well as have my {$500.00} returned to me as soon as possible.
06/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CO
  • 81004
Web Servicemember
On XX/XX/2022 I was the unfortunate victim of a home invasion. Everything in my home was taken including my wallet an lookingd cards. Once these thieves departed, in my new car, my thoughts immediate focussed safeguarding my pending SSDI check. I contacted Chime Bank and reported my XXXX bank cards stolen and asked that the account be frozen until any potential problems/security issues could be accessed. The Chime Bank representative assured me that cards were now invalid and the account frozen. This call was placed with my smartphone with the speaker on and three friends sitting within a few feet and listening intently to my conversation with the Chime Bank agent. I was further assured that my pending deposit ( scheduled to post to my account on XX/XX/XXXX ) was safe. The next few days were spent evaluating, accessing, and completing a damage report. On XX/XX/XXXX I again called Chime Bank with the intent of regaining access to my account. The Chime agent, in reviewing account details, announced that the account was never frozen and that both cards were still active. Upon hearing this information and not believing it possible, I inquired as to my present account balance. The Chime representative reported a balance of this $ XXXX. The balance did include my monthly SSDI check. Where is my deposit? I was told that through a number of ATM withdrawals every dollar was stolen.I was in shock at such news. I was furious! {$2600.00} stolen with cards that were reported stolen 5 days earlier. My funding for an entire month stolen. How? ; What am I going to do now? Bills, rent, food, and utilities all requiring an income which at this moment I don't have. It is inconceivable that a bank could be so negligent and/or incompetent in dealing with reported stolen cards. Most card companies and banks have a reported stolen card disabled within seconds, even before you hang up. In this case I was given every assurance on XX/XX/XXXX that my deposit was safe. Since this incident began I have tried to communicate my assessment of the facts, my monetary loss, and Chime Banks responsibility to their member, me! Due to negligence, incompetence, or just an error Chime Bank misrepresented the present security issues of taking a week to not address a stolen card. As per my member service agreement, lost or stolen cards are to be reported immediately. As I did and with enough forethought and diligence to avoid this situation. Chime Bank has stalled, ignored, and blatantly refused any requests for compensation on my part and accepts no responsibility for the loss of my funds due to their mistake. Everyday for over a month now I plead with various Chime departments for understanding and assistance and all I get is form emails, requests for specific account information on an account that I was unable to verify as my own despite the sheer number of picture and IDs sent. If not frustrating enough, Chime closed my account on XX/XX/XXXX. Every effort on their part to bury information, stall my efforts in pursuing the {$2600.00} owed to me, and as they ignore and dismiss I continue to suffer, surviving only through the charity of a dear few. I have just gone 3 : weeks with no water in house and am about to experience an extended power failure due to nonpayment. Yes, I have suffered. Not a cent in pocket for a month. I may never recover from this loss. As each day passes, hope that Chime Bank will step up decreases. I have no options but to ask your assistance in this matter, possible intervening on my behalf. please I'm on my own against a giant and tiring from all angles.,
04/08/2022 No
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IA
  • 503XX
Web
On XX/XX/XXXX, I had XXXX transactions from my Chime bank account that were not by me used in XXXX local stores of my city and vending machine. I reported the card lost/stolen and fraud on the account. I also reached out to my local police report ( XXXX XXXX XXXX # XXXX, XXXX. ) The transactions were as followed : XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$27.00} XX/XX/XXXX XXXX XXXX {$1100.00} When I called the following day on XX/XX/XXXX, Chime customer account repeatedly told me that my birthday was incorrect and I had to send in my identification, although I've been a customer since XX/XX/XXXX with no issues. I was afraid it was identity theft, but when I called again on XX/XX/XXXX- they could identify me perfectly fine. This is the first time I had issues with customer service. I filed disputes for every transaction above. The dispute number is XXXX. The detective working on the case was able to track down a photo of the person who used the account and video footage from XXXX XXXX XXXXXXXX of the person who used the account. Chime has refunded me for XXXX of the XXXX XXXX transactions and XXXX XXXX XXXX, but I am still without XXXX {$1100.00}, XXXX XXXX {$20.00}, XXXX XXXX {$20.00}. Chime has closed my dispute two times saying there were no errors found, but they have yet to contact either the merchant or the detective. The photo of the person using my card is clearly not me. I have sent in my identification. I've also requested documentation of the " research '' they used to close my case after each closed dispute. I've only received one that is now expired but it said since the card was physically used with chip it was not an error. The card was in physical possession of the woman using my card so of course the card is being used. On XX/XX/XXXX, I received an e-mail that once again my {$1100.00} dispute was found not fraud or error and would not be received. I immediately called customer service to ask why and how. I have recorded the call on a second phone due to conflicting information. The customer rep says that the e-mail was sent in error and it was still being researched. He said I had to give them until XX/XX/XXXX. This call is recorded and I can e-mail it. He suggested I e-mailed the chime support e-mail in which I did and received no response. I called again on XX/XX/XXXX asking if there's a possible update. Customer service says that it was indeed closed on XX/XX/XXXX. Once again, I recorded this call. The call was escalated and once again they are going to review it and I have to allow 10 business days for an outcome. This would be the 3rd or 4th time in the same cycle. I can provide both calls as soon as I figure out how to get them from a phone to my computer. They have yet to provide me with any documentation of what research was done since the first XX/XX/XXXX dispute. They have not contacted the detective or merchant ( both have been very helpful. ) and this person is soon to be charged with felony charges yet I still do not have my funds from Chime Bank. I have no more evidence to give, but my detective does yet they fail to reach out to them. The merchant also has evidence. They are saying I have to give another 90 days. If they close this, I will have to once again re-open wait for 10 days for their decision then if they close it, I have to give another 90 day. This is a repeated cycle with no difference or resolution.
10/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 853XX
Web
On or around XX/XX/XXXX, I noticed four transactions on my CHime checking account for {$25.00} that I was shocked to see because I did not make any transactions that were anywhere near those amounts or to XXXX on that date. These charges were pending in my account, but I could see who the transactions came from. They were all from the XXXX XXXX and provided a phone number. I tried to call, but the number was not working. I contacted Chime immediately and explained I did not make the transactions. The response was that the charges were still pending. I had to wait for the charges to go through before I could file the problem and request my money back. I did get the refund claim filed, and on XX/XX/XXXX, I received an email from Chime saying that based on their investigations, we have concluded no error occurred ; therefore, no funds will be credited to my account, and the claim is considered closed. I responded the same day, asking for the documentation because I disagreed with their findings, and filed an appeal. Then, on the XXXX, I received an email " wondering if you've had a chance to review the latest update from our team. If they don't hear back within XXXX hours, they will consider the claim resolved the ticket. '' I responded that same day. Then, on the XXXX, I got an automatic email response saying they got my request regarding me asking for the paperwork on their decision and wanting to file an appeal. On XX/XX/XXXX, I got an email with another response saying they made a final determination on the claim and again claimed there was no error. I am still waiting to receive documentation about their decision, only the second rejection of my claim. I sent another email asking for the documentation and explained I disagreed with their decision. This email was sent on XX/XX/XXXX. On XX/XX/XXXX, I got an email from Chime saying the documentation I requested had not been provided and the team should get them to me within ten days, no later than XX/XX/XXXX, which was the day I got the email, so I think that was a mistyped date. On XX/XX/XXXX, they sent an email saying as per my request dated XX/XX/XXXX, they were providing documents regarding my claim and provided a link to the papers. I attached the documentation I got from Chime, which was just a detailed account summary of my transactions, and how this made any connection to their decision made no sense to me. During this time, I was going back and forth with XXXX, trying to get them to refund my money. I also got many different stories from them, but I included my conversations with them in the attachments. They provided me with a reference number I needed to give to Chime to get the money back. I offered this to Chime and still need to get my money back. I am so frustrated with Chime. I have never had any issues with them, so I was disappointed with them and this terrible process. I have never had charges that I did not make end up with this kind of conclusion ; this is why we have bank accounts to protect us from letting people take our money without our permission. I did not make any of the four {$25.00} transactions to XXXX and got a hold of Chime while they were pending in my account, and the fact they refused to refund this money is unbelievable to me. I want my {$100.00} back, and I will be satisfied. If they let people get away with taking money that is not theirs and then making the victims pay for it, they win, and it is unfair and illegal ; they should not get away with this. I should not be paying for a transaction I did not make or authorize.
02/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 23462
Web
On XX/XX/22 I received a text from my bank saying my phone number and email were changed and to call customer service if this was in error. So I called customer service and was unable to access my account because my phone number wasnt associated with it. I tried logging into the app and full online website and was unable to access it even using the last XXXX of my social security number. I then received an email saying my Account was on hold and I would need to send a selfie with my name and todays date on a piece of paper, my card front and back and updated email and phone number. This was XX/XX/22 by now! The first text was at XXXX, this was a normal policy for Chime, if your account is on hold they ask for this info to prove its your account so I thought it would fix my account and I sent it. Unfortunately the way this online banking is set up, you can not reach customer service without a phone number associated, so in order to just get through to customer service, I then decided to use the phone number in the text I received to try to get to speak with a customer service representative. And while I was on hold with Chime ( my bank ), somehow every XXXX I had plus {$200.00} overdraft was taken from my account. Within minutes my paycheck, my tax return and anything else I had including {$200.00} in overdraft. Totally over {$5000.00} was taken every minute from XXXX until XXXX That day, XX/XX/22. The only option I was given was to name off every transaction that I saw that was mine, then the ones that weren't my own authorized transactions. But as I stated I was locked out of my account so I was on the phone for over an hour waiting to have access to even see, and when I was finally able to see, all of my money was gone. The only action taken was to put another hold on my account, lock me out again and to wait until these fraudulent transactions were settled meaning cleared, taken from my account and then I was advised to call back when that happened! Except, how was I to do this when I can no longer access my own account, its locked again at this point.?! So I called back at around XXXX on the same day XX/XX/22, and the same thing was said, Id need to wait until these transactions went through to dispute them. There was no stop payment, no protection, they obviously are these charges are suspect and in large i crime nets of $ XXXX {$1000.00} at a time, every minute starting at XXXX. No resolve was offered, they didnt even offer to call me back when this occurred, I was just told Id need to continue to call back and monitor my own account which I cant do again, without sending the ID, card info in a selfie via email to Chime. At this point Im not sending anymore info online, this is obviously how someone was able to hack into it in the first place. I received over XXXX emails within minutes and was being texted by a number claiming to be chime all through this as well. That number along with all emails and texts are recorded in my phone. They were even able to access all of my savings and transfer that to my credit account and drained that as well. So they were in my account moving money around as I said over {$5000.00} within hours was just gone to XXXX company. There has to be information on the payee, where the money was deposited and they changed and created an email using my name! I am a XXXX XXXX, and had just received my tax return, I work very hard and precious to receiving my taxes I only had a few XXXX dollars to my name, now I have nothing. This amount of money is huge, and I can not live without it.
09/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NC
  • 27511
Web
on XX/XX/2023 i got a text message from the bank or so I thought it was the bank asking about a fradulent transaction for the amount of XXXX from a XXXX in XXXXXXXX XXXX I replied no. I then got 3 phone calls from the banks automated system which I missed because I was sleeping due to working XXXX shift. I got a 4th call and picked up for this call. This was around XXXX on XXXX. It was a male on the line claiming to be the bank ( chime ) and trying to confirm a fraudulent charge. I declined the charge and they proceeded to help me reset my password, confirmed my address was wrong as well as the address that was on file. I recently moved so my address was not yet updated on the banks website under my account. So they said they needed to cancel my card and send me a new one to my new address at which time I gave them the correct address and they stated they were updating it for me. They stated they could see the device in florida logged into my account and in order for them to log the person out I needed to uninstall the app from my phone and redownload it once they advised me to do. I did as requested. I reset my password with their temporary password they gave me via confirmation codes, once again sent from the banks system which I have previous text messages from when I reset my password previously. So I had no reason to think this was not someone other than the bank. The phone number and text message number were from previous valid transactions made with the bank. The person then stated he was going to send me one bogus charge and to accept it. I did that and i got a text from the same number stating that the charge was declined. And thanking me for confirming that I am who I say I am. The person then stated that I needed to say no to the next bogus charge. This next one never came through and I was put on hold for about 10 minutes at this time. The male returned to the phone asking if I got the second text message in which I stated no, and I was placed on another hold. He was gone for about 2 minutes and unmuted the phone at which time I could hear him and at least 2 females talking and laughing in the background. At this time I hung up immediately. I redownloaded the app to find that every XXXX from my savings had been moved to checking, and 4 back and back transactions were done at XXXX. XXXX at XXXX XXXX, and XXXX at another, all located in texas. I got emails stating that a device from CA was logged into my account at this time. I called the bank to filed a dispute and explain what just occured. At this time I was at work clocked in which I can not do unless I am at work. There was no way I could be in CA or TX when I am in NC clocked in at work. I clock in around XXXX. I have sent the bank text message screenshots, my call logs, my emails showing that the charges were done from a phone that was logged in CA, at the same time the transactions occurred. The bank claims no one can call out on their automated system but clearly they can, as well as the text messages confirming they declined a charge and also changed my address. I also sent the bank the photo of my time card from work to show I was at work just minutes after the transactions occurred. I have reopened my disputes many times. All to have them be declined with no explanation as to why besides my own statements to the bank each time. Their system even flags this situation as scam/fraud. They at one time even closed it out again before I could submit my time card from work to prove I cant be in CA and NC at the same time when I was at work.
06/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WI
  • 535XX
Web
On Thursday, XX/XX/XXXX, a total of XXXX dollars in total was stolen from my Chime credit Builder account and checking account. I was receiving notifications from both XXXX XXXX and Chime about these purchases. I am assuming they hacking into my XXXX XXXX, which has my Chime debit card as a pay method on the app. I received automated texts from Chime asking if these purchases were authorized by me and to reply YES or NO. I replied NO, and received an automated text back stating that the transactions were blocked and to get a new card and get rid of my old one, so I did. A couple days later, I looked at my account and saw that the charges were no longer pending and still went through. I contacted Chime using their chat feature and explained what happened on the day the money was taken, sent screenshots of the texts I received and said that it was not me and filed a dispute. A few days later, I got an email saying that in their investigation, they found that no error occurred. I then called Chime twice after this happened explaining my situation, explaining that this was my RENT money and that having this money stolen from me has put me in extreme hardship and risk for being evicted. The first time I called, the man had finally told me where these transactions happened, as Chime had given me absolutely zero information on these transactions after they denied my dispute with zero explanation. He told me the transactions happened in XX/XX/XXXX. I said that I do not live in XX/XX/XXXX and didn't understand why Chime isn't suspicious of that disconnect alone. He said that I had to prove that I wasn't in XX/XX/XXXXon the XXXX, the day the money was taken. I emailed the Chime support email that he gave me screenshots of my work timesheet that tracks my location because I get mileage reimbursement. I was working thankfully on the XXXX in XXXX, where I live, so I had that proof that I was not in XXXX. I also explained the situation again to him, and he actually assured me that with the proof and information I provided, I should be able to get my money back without a problem. He sent the information to the investigation team, and the next day, I received the same email. That they found that no error occurred. It was the same automated email, word for word. Not personable or caring at all. I was exhausted at this point and was experiencing chronic stress with my financial situation and being at risk for eviction because my rent was very late. I called Chime again for the second time a couple weeks later and spoke to a woman. This woman told me that all she could do was request to reopen the investigation if I had any additional information I had not sent before. I expressed to her my frustration with the way I have been treated by Chime and my confusion with what more information could be sent after I quite literally proved I was not in the state that the money was taken when it happened. I emailed Chime again with screenshots of the notifications I got from XXXX XXXX about mysterious purchases trying to be made that were declined due to me finally locking my account to prove that it was and is still happening. She told me that the information I provided was very helpful. Again, the next day, same automated email saying that they found no error occurred and the money was taken rightfully. I have never been treated like this by a company. I have never felt so violated and uncared for. I am begging for help. This has sent my life in a spiral. I will send all the information and proof I can. Thank you for your time.
04/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • FL
  • 33578
Web
I opened a deposit account with Chime on XX/XX/XXXX and applied for Chime Visa Debit Card so I could use it on my upcoming trip to XXXX. On the same day, I connected my XXXX XXXX XXXX checking account, jointly owned with my wife, successfully with my Chime account. ThenI initiated a transfer of {$3800.00} from your XXXX XXXX XXXX account to my Chime. On XX/XX/XXXX, I received email confirmation from Chime below : A deposit of {$3800.00} has posted to your Checking Account. Your updated balance is now {$3800.00}. Congratulations on funding your account! You can now use your Chime Visa Debit Card. However, on XX/XX/XXXX, I received the following email from Chime : Chime has identified unusual activity relating to your account ( s ). A hold has been placed on your account ( s ) until we can verify this activity. Since then I have been working with them to resolve the issue. I provided all the items they requested and more as listed below : -photos of front and back of my Florida drivers license - photo of my U..S. passport photo page - photo of my social security card -A selfie of me holding my passport and a piece of paper with my name and today 's date written on it. -A selfie of me holding my social security card and a piece of paper with my name and today 's date written on it. - a photo of the ach transaction printout provided by XXXX showing the transfer to Chime XXXX bank statement from XXXX XXXX XXXX with my name shown as a joint account owner of that account and the line item showing the {$3800.00} ach transfer to Chime - written explanation about the origin of the deposit ( s ) to verify that I am the intended recipient, I.e., a direct ach transfer from XXXX XXXX XXXX checking account i co-owned to my Chime account. - a pay stub showing i set up a direct deposit into the XXXX XXXX XXXX I co-owned and initiated the deposit. After many many calls with Chime customer support and getting response from a different agent of Chime member protection team almost every single time based on e-mail signature and many times being asked for the items I already provided, I still could not resolve the issue. The last file upload Chime Member Protection team sent to me could not be used because I have reached their document upload limit. The last agent that I worked with closed my account on XX/XX/XXXX with the email below : After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. When I asked him what else exactly I needed to provide and offered such as any items they may need from my wife as the co-owner of the XXXX XXXX XXXX, I got the response from XXXX below : For security reasons, Chime is unable to share more information about the account closure. We're also unable to review whether your account can be re-enabled or refunded until we receive valid documents verifying the deposits. To help us validate the deposits, please contact the source of the funds to verify them as the source of the deposits and yourself as the intended recipient. In the meantime, I invite you to review the Chime Deposit Account Agreement. When I asked the member customer service team what they are looking for since I already provided my bank statement, they could not offer me clear and explicit instructions other than reading the instructions back to me.
06/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 34608
Web
XXXX XXXX of 2023, my family and I took a vacation to XXXX, Texas. Unfortunately, during an outing to the XXXX XXXX, my phone was stolen, leading to fraudulent charges made using various financial intermediaries which ultimately were funded directly from my Chime account, which is owned and operated by XXXX XXXX XXXX. We immediately contacted the local police and filed a report with the XXXX Police Department, which is attached for your reference. Upon contacting XXXX XXXX, they advised me to address the disputed charges originating from Chime 's account directly with Chime for a refund. I also had a separate dispute with XXXX XXXX for the same incident, and they have already refunded me for all the transactions. The relevant documents for the XXXX XXXX dispute are attached as well, showcasing the funds that were already in my XXXX XXXX account. Upon reaching out to Chime, they assisted me in starting a dispute for the transactions that originated from their account. The representative assured me that I would be able to go online and submit my supporting documents, and that I would receive a temporary credit. However, I immediately noticed that the section to upload documents in the Chime app was disabled. Concerned, I contacted Chime right away to express my worries, and they reassured me that I could email them the necessary documents and that the approved credit would be applied to my account shortly. I promptly submitted all the required documentation and waited for a response. Unfortunately, I eventually received an email stating that my claim had been denied as no error had occurred. This decision baffled me, as I had attached a police report, provided an affidavit, and had been refunded by other financial institutions. In response, I requested an appeal and asked for proof of the investigation, as is my right. However, I was informed that it would take 10 business days to receive the documentation. Despite my repeated inquiries, no proof was provided. The company is ignoring my requests, denying my claim without conducting a thorough investigation, and withholding the necessary evidence. It has been nearly two months, and I still have not received any documentation. I firmly believe that Chime immediately denied my claim, neglected to conduct a proper investigation, and lacks the necessary evidence. Their actions indicate a reluctance to take responsibility for the security of my account and the reimbursement of the funds. It is crucial to note that these funds were from my federal tax return, as evidenced by the attached pictures. Furthermore, I want to highlight that I have spent over 12 hours on the phone with various representatives, supervisors, and departments. These interactions involved prolonged periods of being put on hold for up to an hour and, on some occasions, being hung up on, exacerbating the frustration and difficulty of resolving this matter. Each time I was able to speak with them at length, they all assured me a provisional credited would be added to my account. It never did. Given these circumstances, I urgently request your assistance in contacting Chime to facilitate the prompt refund of my rightfully deserved money and to ensure that my account remains open. It is disheartening to learn that there are numerous complaints online regarding Chime 's repeated mishandling of similar cases, taking advantage of individuals who lack the resources to engage legal representation. Your intervention in this matter would be greatly appreciated
11/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 482XX
Web
Tuesday XX/XX/2022 starting at XXXXXXXX XXXX my card was fraudulently used 6 times to do 6 different ATM withdrawals at 3 different ATM locations and 1 transaction made at a restaurant. I woke up XXXX morning on XX/XX/2022 to get ready for work and noticed I had several notifications that withdrawals have been made the night before while I was asleep in my home. I immediately called Chime to cancel my card out and to dispute the charges. The representative I spoke with cancel my card out and had a new one shipped out to me and started my claim. Not more than 24 hours have surpassed, and on XX/XX/2022 I received an email from Chime that stated " 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. You may request a copy of the documentation we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX ''. In which I requested the documents that were used in determining how my case was closed so fast. In the meantime I filed a police report to add onto my claim to help use that as support. {$1100.00} dollars had escaped my account within a XXXX minute time span overnight and Chime was already letting me know that they were not here to help me at all. XX/XX/XXXX I submitted my police report and noted that I had to wait until 2-3 days for the official physical copy but emailed proof of me filing the police report with the officer 's name and report number. The same day I got an email back saying they received my rebuttal and would escalate it to their investigations team for review. XX/XX/2022 I received an email from Chime 's support/investigative team that stated " We reopened your claim based on the additional information you provided. We have completed our investigation and have determined that the additional information you provided did not change our decision. We have concluded that no error occurred. We consider this matter closed. You have a right to obtain copies of the documents we relied on in our investigation. We trust that this information resolves the questions you had related to this matter ''. Yet again I'm being shut down and thrown to the side without proper answers or even the documentation that I had previously requested, but taking the necessary steps to ensure that my funds get back to me that are technically federally insured. On XX/XX/2022 I respond and ask yet again for the documents they used to determine why my case was closed again. XX/XX/2022 I received an email from Chime stating if I did not agree with the outcome of my dispute that I could provide receipts, police report, any conversations I had with the bank about the transaction ( s ), etc. and then received a following email the same day stating that a thorough investigation was conducted on my claim and included reviewing purchases, transfers, deposits, and withdrawal behaviors that have taken place on my account. After carefully determining those above factors they determined no error was made. How in the world would those few things be considered " thorough '' and have anything to do with my money being stolen? & my school refund check at that, that I had just got deposited into my account. On XX/XX/2022 I submitted my official police report and the end result was the same... absolutely nothing being done and stating no error occurred and sent me the same emails from before.
10/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CT
  • 06042
Web
In the month of XXXX I had a fraudulent charge on my account, that my bank texted me to see if I authorized and found that I didnt. The following day they allowed the transaction to go through anyway. So a dispute was made in this transaction and found to be in my favor. At this time, I had to be issued a new card on my account as well. I had a subscription to XXXX XXXX and during the month of XXXX they tried on several different occasions to charge my account for their monthly charges. However, due to the fact that my card information had changed each transaction was declined and I received a notification stating so. It also stated it was due to them not having the correct card information. But on XX/XX/2020 they were able to debit my account for {$58.00}. I never really thought anything else of the situation and just allowed the charges to continue. Since they had already had the new card information. Now here we are in XXXX and I had yet another fraudulent transaction come through my account that I had to dispute. So after the dispute was initiated, I was told I had to be issued another bank card. So I asked why? When they give out my card information anyway. When I told the rep on the phone this information, she said they werent allowed to do so. So I then brought up the issue that occurred in XXXX. I was then transferred to a supervisor, who upon further investigation determined that the information I gave was correct and sent an email to their escalations department. They then emailed me today, to basically deny the fact that they committed any wrongdoing. So I took it upon myself to investigate further and contacted XXXX XXXX to find out how it was that they got my card information, when I never entered it into their system or called them with it? Their rep XXXX, told me that they received the updated information from my bank. She explained that their agreement with bank was if they had the previous card information in their system, my bank just updates that information automatically. So now it made sense, how this was able to occur. I phoned back to my bank with this new information and after explaining the issue and email situation to another supervisor. I was advised that the only thing they could do was block the merchant from charging further transactions to my account and I could file a dispute for the charge. He then placed me on hold and never came back to the phone. He just sent me back over to the dispute department. Once there, I reiterated the entire story and let the rep know I had since cancelled services with the merchant. I told them it was today, but when looking through my emails found that it was really on XX/XX/2020. However, the rep informed me that though they gave my information to the merchant they were unable to process a dispute because I let the charges continue to occur in my account. But I explained that they facilitated fraud, as I never authorized XXXX to debit my account in the first place, they did when they gave XXXX my new card information. So had they not done so, there would have never been any subsequent charges. I also was bringing this to their attention because they were trying to assure account security. But how can you do that, if youre the ones who are supplying peoples account information. Their supervisor stated that they never receive the card information, which I said has to be untrue on some level when their system generates the new cards and numbers. So this information has to be logged somewhere.
07/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • UT
  • 840XX
Web
On XXXX I went in to the XXXX XXXX station to purchase a pack of cigarettes, they scanned the cigarettes ( {$10.00} ), I requested {$20.00} cash back to total {$30.00}. I entered my pin number and the transaction came back declined. I pulled up my account on the mobile app and seen the {$10.00} ( the cost of the cigarettes only ) was pending. I showed the cashier my phone that the transaction for {$10.00} looks like it's going to go through, she reassured me that the transaction was declined and the {$10.00} will fall off and not post. Since that amount was frozen, I had to transfer more money in order to buy a pack of smokes and get {$20.00}. She rang up the transaction again {$10.00} for cigarettes, I entered my pin number and requested {$20.00} cash back and the transaction was approved {$30.00} The next day XXXX I went in to the same XXXX XXXX to buy a pack of cigarettes and to get cash back, she scanned the cigarettes ( {$10.00} ), I entered my pin number and requested {$20.00} cash back, the transaction was declined. We tried the transaction again requesting {$19.00} instead of {$20.00} thinking maybe I didn't have enough in my account for the whole {$20.00}, again the transaction was declined. I stepped aside and pulled up my account to see why they were declined and noticed that both of the transactions for {$10.00} ( cost of the cigarettes only ) were pending. I told her that both transaction 's were pending and looks like they are going to go through, she told me that they would fall off and not post because the transactions were both declined. Since the two transactions for {$10.00} was frozen and no longer available I didn't have enough funds in my account to try the transaction a third time. I left the store without any cigarettes. On XXXX I pulled up my account to see if the funds were released and seen that both transaction on XXXX went through. The one for {$10.00} ( the transaction that was declined and was told that it would fall off ) and the one for {$30.00} ( The transaction that was approved ) these are the same transaction but the one included the cash back amount of {$20.00}. and the two transactions that were declined for {$10.00} on XXXX actually posted also and didn't fall all like the cashier told me that they would do. I tried to bring it to the owners attention and they told me that I needed to dispute them with my bank in order to get my money back, so I filed a dispute online with Chime only to receive an email stating that the investigation was completed and it was determined that an error didn't occur and I won't be getting my money back. I requested the documentation used to determine their verdict. because obviously there is a gap or something missing in their process because all three transactions were an error. I was rung up 4 times for cigarettes and only received one pack, therefore the other three transactions are considered errors. The clerk did not give me the cigarettes because her system showed declined so the cigarettes went back on shelf because it was believed that they weren't paid for and I left empty handed. When the documentation came back that the three transactions were settled I was shocked, something is not right, the store should have been out of balance. Since I was charged for something that I didn't receive should be considered an ERROR therefore I want the {$30.00} credited back to my account. Feel free to contact me if you have any questions ( XXXX ) XXXX Thank you, XXXX XXXX
12/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • IA
  • 52241
Web
During the month of XXXX, and XXXX of XXXX I have spent 4 to 6 weeks unable to access my account and literally 15 to 29 hours on the phone, being sent through the same mindless protocells over and over again. my password was wrong, and it would only send a code to a phone number, I no longer have access to. It could not send the code to my email 9on record ( that, and many other easy solutions are not allowed ). I tried to update my phone number so I could get the code and that could not be done. 4 times I have sent pictures of my ID and various other things as requested. Since. Iowa only issues a paper ID and one must wait 4 to 6 weeks to get the plastic version in the mail, their ID scanning system would never accept it, yet I am told that the only thing I can do is do it over and over and over again. I have called over and over again. The only other option I am given is to email XXXX. Every time I do that, I only get back automated scripts that do not address my problem. I had mu own solution which happened to be in place : A XXXX XXXX account linked to the debit account. But Chime had me with two different accounts : A debit account & and a credit builder account. On XXXX I called to close down the Chime accounts since it was a moment when no money was in them.. If there was money, it would be sent to an old address where I get no mail from. I wanted to close the accounts BEFORE a direct deposit for over a XXXX dollars hit. I was told the account was closed. It was not. 5 days later my direct deposit ( which I need to live! ) was put in the account. Durring my many more hours on the phone, I was told that it takes 5 business days to close an account. So now it was scheduled to be closed on XXXX, ONE day after my direct deposit hit it. So they were going to send my money to an address I am not at anymore. My other solution, to use XXXX XXXX to ge3t my money ( linked to the Chime debit account ) would not work because they automatically transferred the money out of the debit account ( where I could have gotten it ), to the credit bu9ilder account, so I could not get access to it again. Everything that is done, and the timing, seems to be to deliberately prevent me from getting my money. Keep in mind, I can verify any info on earth, I have my complete debit card number with security code and expiration date, I have my email address on record, I have my social security number and phone numbers ( including the one I can not access now ) and I also know the exact amount of my direct deposit and other account transactionsAND I sent pictures o my government ID and more!!! There are many possible solutions that their protocells refuse to allow ( they will only send me copied and pasted scripts ) : Transfer the money back to my debit account so I can use my legitimate XXXX XXXX account to get it. Let me update the phone number so I can get the code to access the app. Send me the code via email ( which they have on record ) Call the state of Iowa and verify my legitimate government ID I have ( and sent them ) pictures of my broken debit card, pictures of my government ID, and many more things. They are always rejected. On XXXX XXXX I AGAIN went through their ID scanning process and also manually sent them all to XXXX ( for the XXXX time ). After hours on the phone, I was able to get the account closure cancelled to buy some time while they will not let me have my money. It is sitting there and XXXX cant have it. I need my SSDI to live.
11/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Money was not available when promised
  • MD
  • 21229
Web
XXXX XXXX XXXX Sat, XX/XX/XXXX, XXXX PM ( 3 days ago ) to mediator Dear XXXX : I emailed the XXXX XXXX XXXX & they recommended I contact your office. My name is XXXX XXXX XXXX XXXX. Hope this email finds you well. I'm contacting your organization for assistance with Chime ( Stride ) Bank depositing my {$500.00} in my account. On XXXX I went to XXXX located at XXXX XXXX XXXX XXXX, XXXX and did a transaction of {$500.00} that should've been deposited to my bank card immediately. The cashier informed I could only do XXXX transaction @ that store. I asked for another XXXX location she told me XXXX XXXX XXXX XXXX. So after I did that deposit I went to 2nd. store to do 2 more deposits. In which I did 2 {$500.00} transactions ( {$1000.00} total ) and both credited my account immediately. Once I got home I checked my account to make sure all XXXX deposits were in my account. The 1st one from XXXX on XXXX XXXX wasn't there. I contacted Chime and told it's not showing in my account. Therefore, on XXXX I went back to the 1st store with the receipt to speak to manager XXXX. She said they did the procedure correctly and it's Chime 's fault for not being in my account. XXXX took my receipt, my information and said she would check in to it. After 2 days with no response I called her. Still telling me the same thing she talked to District Manager and he said the same Chime is at fault. Now, through this I've been contacting Chime with the information I was given. They're are saying it never came in so send a copy of receipt to XXXX. XXXX the 1st store manager sent copy and I did also. I called Chime again still claiming money not there and haven't gotten emails. I've explain the situation seems over thousands of times, keep sending same email repeatedly but they refuse to assist me. I call explain issue to representative thoroughly, tell them I went to 2nd. XXXX same day and put {$1000.00} on card which came right on my card. They look up my account then tell same as I told them " there's 2 more on XXXX. I keep telling them " that's not what I'm talking about I just told you that '' I even sent email of receipt from 2nd email XXXX. spoke with a Chime manager last week, sent 2nd email with receipt as we spoke. She checked, said it was received. Again, still when I call the same over and over again they don't have my funds nor emails. I haven't had this issue with them before. correspond via email with Chime and all emails been received. So they're saying except for now 1 1/2 months. I know they're lying don't comprehend why. Literally, I truly don't know who ( 1st. XXXX or Chime ) has my funds. However. I believe it's Chime. All I want is my {$500.00} placed in my account. This is extremely mentally agonizing, frustrating, & upsetting. I suffer from XXXX & on medication for it. This is absolutely is/has taken a toll on me. I receive XXXX $ XXXX monthly. I take XXXX medications and other meds Also, I'm on a fixed income. I can't afford not having my funds. I most definitely want to sue for pain & suffering. I'm aware this isn't a law firm but do you know of any firms that could/would assist me? I don't have a lot of money as I explained ) if know of any please inform me. Thanks. I'm sending all correspondence I sent to Chime ( the emails they never received ) to you also. I truly very much appreciate your time reading and assistance with resolving this situation ASAP. Again Thanks. Look forward hearing from you.. Best regards, XXXX XXXX XXXX XXXX XXXX
05/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MS
  • 39564
Web
I was emailed from Chime on XX/XX/XXXX at XXXX pm. Informing me my phone number was updated to a XXXX XXXX on my chime account and another one at XXXX that there was a new login from a new device XXXX and from a location I have never even been to from XXXX XXXX XXXX FL XXXX XXXX. Then at XXXX XXXX another email from chime informing me. That my replacement card was on the way and I never ordered a replacement card because I had my chime card in my wallet and didn't need a new one. Then another email at XXXX XXXX informing me my email address that has remained the same since the day I opened my chime account 4 years ago was now updated to an XXXX. I did not make any of these changes to my account and didn't actually receive and see the emails until around XXXX but when I did see the emails at this time I immediately contacted Chime support to inform them of the fraudulent activity and this is when I was also informed of the 94 fraudulent transactions that wiped me out of all of my money that I had just placed in savings moments before the fraudulent activity took place. ( which is really crazy how these hackers knew the money was deposited immediately afterwards ) I don't just have money like this going into my account normally and really don't have any deposits at all to my chime account in quite some time. So this was no fluke that they knew of the money being there all the sudden??. Anyhow I was then informed that there was no need to worry and he assured me the problem would be resolved. Well after verifying my identity and securing my account with the support member. He then informed me that I could not file a dispute for the transactions to my account that were sent to a one XXXX XXXX XXXX app account 94 times in the amount of {$910.00} until the transaction were no longer pending and have had successfully went through to my account and That I should call back and start the dispute process once the transactions had processed and paid out. After hanging up with The Chime support member. I then went on to inform cash app of the transactions in hope the transactions could be stopped and action could take place against the person responsible for the XXXX XXXX account and fraudulent activity to my chime account. Unfortunately I did not receive any response until it was too late and even then I don't feel as if the right actions were taken to handle this crime. Well then 2 days later on Monday morning XX/XX/XXXX first thing that morning all 94 transactions went through and were no longer pending. I immediately contacted Chime support again and started the dispute process. Once again being told by the chime support member. Not to worry that they assured me that the problem would be resolved. That they would email me to keep me updated on the process. Only to email me on XX/XX/XXXX to inform me that my dispute was denied and that no error was found. I disputed the fraudulent activity again and got the same response from chime of no error found on XX/XX/XXXX. I don't know what to do. I have lost my home and am suffering financial hardship because of these fraudulent transactions to my account and that chime says they protect me against happening to sue me my money is safe with them and if it does happen that they will refund the money to my account. Well this is far from the security they offered when I was looking into opening account with them in the beginning. I would have went somewhere else if I knew that this could even happen.
10/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • NY
  • 144XX
Web
To whom it may concern, I am writing this report to try and recover my credit status, and hopefully some of my finances that I've lost in the process of this situation. In XXXX of XXXX I turned XXXX, and I got a letter saying due to being late on my rent for my apartment located in XXXX, I was going to be evicted as of XX/XX/XXXX. So I had packed up my things and left the apartment ASAP. I also received letters in the mail at my apartment and mother 's home located at XXXX XXXX XXXX XXXX XXXX NY XXXX, from my bank saying my car loan was very over due. When I knew this was incorrect, because i have gone inside and made cash payments almost the entire year of XXXX, I started looking more into my paper work and emails. I had never had any security alerts or issues as far as I knew, with my emails or phone, or phone number. So I never had deep dived into my account / email information before. I had soon come to find emails from XXXX saying I deposited and transferred over XXXX $ into my chime checking account. Saying I came inside to the XXXX branch, when i have had XXXX in the past this account was not mine, and I never had a credit card through them, and my account with them was not open for that long. My mother XXXX XXXX has ignored me and my requests for my birth certificate and bank letters when they were delivered to her home in XXXX NY. She has repeatedly opened my legal mail regarding DMV / Car information. XXXX benefits with past companies i worked for. I found payments with weird labels, that i know i never sent/received. I found transfers and linked accounts to my Chime Bank Account. I found direct deposit forms/ checks with my name attached for my ex boyfriends address XXXX XXXX XXXX XXXX NY. His name is XXXX XXXX, his name comes up repeatedly in the XXXX XXXX transactions ive found. I found in my emails someone has accessed my XXXX or any money/benefits i had with past companies i worked for. XXXX XXXXy, XXXX, and XXXX. My mothers number and address was found to be associated with many of these accounts. Same with my XXXX accounts, i found her number or home phone number attached when i would not and have never used them as a form or communication for any company/service/online service ect. I ran a report of my personal information through XXXX and found my email has been leaked on the dark web. My social security number has definitely been compromised. I found statements from XXXX XXXX and XXXX XXXX saying I had been pulling out cash consistently, when I was not. I found my XXXX XXXX and XXXX were also accessed and used for transferring and pulling out cash consistently that was not me as well. Someone hacked into my accounts and sent messages to my friends/family asking for money, etc. I was always just paying my bills not checking them because I was under a lot of pressure at the moment in time in my life. I don't know who may have stolen my identity, or why, but I am struggling very hard in life financially, emotionally, and physically due to this situation. As of XX/XX/XXXX, My car has gotten repossessed, I've been left with no where to live, and a large amount of debt that's not mine, and overall have loss enjoyment out of life. The bank my car is repossessed by has told me to contact my dealership to get new financing to gain possession of my car again. My dealership says I own the car and the title is mine and the lien is open and active. I can not get a straight answer or the keys to my vehicle. Thank you.
10/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Confusing or missing disclosures
  • NY
  • 144XX
Web
To whom it may concern, I am writing this report to try and recover my credit status, and hopefully some of my finances that I've lost in the process of this situation. In XXXX of XXXX I turned XXXX, and I got a letter saying due to being late on my rent for my apartment located in XXXX, I was going to be evicted as of XX/XX/XXXX. So I had packed up my things and left the apartment ASAP. I also received letters in the mail at my apartment and mother 's home located at XXXX XXXX XXXX XXXX XXXX NY XXXX, from my bank saying my car loan was very over due. When I knew this was incorrect, because i have gone inside and made cash payments almost the entire year of XXXX, I started looking more into my paper work and emails. I had never had any security alerts or issues as far as I knew, with my emails or phone, or phone number. So I never had deep dived into my account / email information before. I had soon come to find emails from XXXX saying I deposited and transferred over XXXX $ into my chime checking account. Saying I came inside to the XXXX branch, when i have had XXXX in the past this account was not mine, and I never had a credit card through them, and my account with them was not open for that long. My mother XXXX XXXX has ignored me and my requests for my birth certificate and bank letters when they were delivered to her home in XXXX NY. She has repeatedly opened my legal mail regarding DMV / Car information. 401k benefits with past companies i worked for. I found payments with weird labels, that i know i never sent/received. I found transfers and linked accounts to my Chime Bank Account. I found direct deposit forms/ checks with my name attached for my ex boyfriends address XXXX XXXX XXXX XXXX NY. His name is XXXX XXXX, his name comes up repeatedly in the XXXX XXXX transactions ive found. I found in my emails someone has accessed my 401ks or any money/benefits i had with past companies i worked for. XXXX XXXX XXXX and XXXX. My mothers number and address was found to be associated with many of these accounts. Same with my apple accounts, i found her number or home phone number attached when i would not and have never used them as a form or communication for any company/service/online service ect. I ran a report of my personal information through XXXX and found my email has been leaked on the dark web. My social security number has definitely been compromised. I found statements from XXXX XXXX and XXXX XXXX saying I had been pulling out cash consistently, when I was not. I found my cash app and XXXX were also accessed and used for transferring and pulling out cash consistently that was not me as well. Someone hacked into my accounts and sent messages to my friends/family asking for money, etc. I was always just paying my bills not checking them because I was under a lot of pressure at the moment in time in my life. I don't know who may have stolen my identity, or why, but I am struggling very hard in life financially, emotionally, and physically due to this situation. As of XX/XX/XXXX, My car has gotten repossessed, I've been left with no where to live, and a large amount of debt that's not mine, and overall have loss enjoyment out of life. The bank my car is repossessed by has told me to contact my dealership to get new financing to gain possession of my car again. My dealership says I own the car and the title is mine and the lien is open and active. I can not get a straight answer or the keys to my vehicle. Thank you.
12/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 37412
Web
XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$89.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX$76.00} XXXX These are the transactions that I did not authorize I did send over proof of my work schedule I travel for work and on my schedule it does show where Im supposed to be those days and my location of where Im at doesnt match where these transactions are being made in person, as well as my computer, where all my personal information was taken which I did inform chime of. I tried to give them everything I could think of to give them. I also felt suspicious that maybe one of the workers at another store possibly wrote down my card information I just know for sure I did not make those transactions I listed above and there was no way possible I couldve made them being in a whole different state or another city that is like an hour or two away chime did not have any solid proof to deny my claim. This is discrimination. They base their stuff off of previous transactions based off of the conversation I had with a dispute manager prior to today but some of these transactions listed above Ive never had repeated transactions with some of these companies and I feel like thats bad ground to based their reasoning for denying my claim when I requested documentation of any proof or evidence that know for sure I made these transaction they had none they didnt send me anything yet. Im the one sending a lot of proof, and I still denied my claim even though I show proof of my work schedule, so Im asking you guys to report them as well as make them reimburse me of my funds. I have repeatedly reached out numerous times five times to be exact. I have spoken to dispute managers. I have tried to get in touch with the investigation team I was denied that I have reached out to support and got no response. I have sent over more and more pictures, screenshots written statements and basically begging them to do the right thing, and to reimburse me. I just given them all the proof I have. But even with me, making these numerous steps they still denied my claim with no solid proof or real investigation. They denied my claim in less than a day which is not enough time for a thorough investigation. I am being discriminated towards, and I did voice this to them. I also told them that my concern was that they denied it quickly because of the amount of money but I did not make these transactions. No pin number was use for these transactions. Someone had my card information and was making numerous transactions on my account without my permission and knowing. I did tell them this as well they ignored me. I have done everything I could think of to do to correct the situation. I have cried and pleaded with them to get them to reimburse. They treated me unfairly unjustly with no solid proof. I even had to call XXXX to see if it was possible that they could tell me if someone use the pin trying to narrow down if it may be with someone I knew, and it wasnt nobody I knew. I found out no one use the pin they use it as credit this should be causing them to raise a more suspicious eyebrow and see it wasnt me who use it because of that and because of my work schedule proof. As you can see, I have taken so many steps to try to bring a resolution for me and my account, but I have been treated unfairly I have been discriminated towards with no fair, justly investigation, or them having solid evidence, even though I had solid evidence.
12/18/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MI
  • 48328
Web Servicemember
During the Summer I stayed at a hotel and paid with my Chime Visa debit card, I would reload cash in the card daily to cover the room when i stayed there. After being at the hotel for a month I received a portfolio and went over it with my transaction history and there were many duplicate charges as well as unathorized transactions for random amounts that did not correspond to the hotel rates. I immediately showed the hotel the issue and they informed me that the charges I was seeing were only supposed to be holds on account not charges and that I should contact my bank immediately. I contacted Chime and they contacted the merchant, who on the phone told them that several of the charges they had were not authorized and I should have my money returned. I was given XXXX dollars that was pending and the other transactions XXXX in total was going to have to disputed I was told by the chime employee since they had already settled. He told me he would assist me in getting my funds and understood the hardship this was causing me. I asked the chime employees should I file the claim as unauthorized transactions or duplicate since they had both occurred. He said do not worry he would take care of that information and proceeded to ask me questions about my debit card. He then informed me my card would be canceled and a new one sent out because of the transactions that occurred. I told him I was ok with that but to allow me to use the card one more day so I could get my affairs in order, but to not allow any transactions for the disputed merchant to be processed. I was told if i sent my documents in before the XXXX of XXXX I would get a provisional credit if they had not completed the investigation. The paperwork was sent in before the deadline and the XXXX of XXXX came and went, I called on the XXXX and I was told 3 more business days and they were sorry about the inconvenience. I kept calling trying to figure out what was going on and every day they would extend the time, next I was told XXXX XXXX XXXX for my credit. When I informed them that i would be contacting the legal authorities that deal with this type of thing I received an emails stating that although I filed my claim on the XXXX of XXXX, my paperwork stated duplicate transactions and they listed unauthorized transactions so they had to reclassify my claim which changed the date to XX/XX/XXXX which placed some of my transactions in beyond sixty day and they no longer had to offer any credit and my investigation for refund would be complete by XX/XX/XXXX! Also the merchant that I asked to not be allowed to debit my account was able to debit my account by XXXX dollars leaving my account over drafted by nearly XXXX dollars. When I asked how is this possible with the card they had on file closed and no preauthorization. They have never been able to answer this and when i filed a dispute on those transactions they immediately declined it, one of the reason is because they said I have a relationship with the merchant! I already informed them i stayed at the hotel but did not allow the duplicate or fraudulent charges. This situation has left me with a deep distrust In the mobile banking system and the way chimes employees just disregard the law Im sure there are horror stories much worse than mine. I just wish this had not happened during XXXX season while going through a lock down for a pandemic, without friends and family I would not have made it through.
07/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 190XX
Web
On XX/XX/2023 I walked into the XXXX on XXXX XXXX and walked up to atm XXXX XXXXXXXX. At XXXX I inserted my chime card and proceeded to try and withdraw {$200.00} from my checking account. The atm said to take the money and my card would be released to finish the transaction but that was not the case. The {$200.00} never dispensed out of the atm and my card was released anyway. Thinking this was just a glitch I figured I would try a withdraw transaction at the atm directly next to it atm XXXX XXXX. I successfully withdrew {$240.00} in that transaction. I immediately went to a XXXX employee and told them the atm did not dispense my money from my first attempted transaction and was told they could do nothing to call the atm owner which is XXXX or my bank which is chime. So as soon as I got in my car I called chime and reported the dispute which is in their system as dispute number XXXX. I told them exactly what happened and they said they would issue a provisional credit in the amount of the iattempted withdraw of {$200.00} and their team would investigate it to figure out what happened and get me my funds back. XXXX days later I got a notice they denied my dispute and would not return my funds. They attached a XXXX page document showing transactions and explaining why it was denied. The problem is the documents they provided me were incorrect so not only did they deny my dispute without really investigating it they did it with false information. I immediately filed a rebuttal to that decision and emailed the investigation team myself in the hopes of them realizing they were incorrect in denying the claim by explaining in detail what happened. I still have yet to hear back from anybody regarding my dispute. I have called every single day since this happened for an update of some sort to resolve this matter. {$200.00} may be nothing to most people but it's a lot to me and to not have that reimbursed would be detrimental to my finances significantly. I contacted XXXX regarding the matter and they told me only my bank can do anything because I am not a XXXX customer and to file a dispute with them which I had already done. What I do not understand is that there is a camera on the atm and if you review the transaction from the time stamped footage you will clearly see the atm not dispense the funds to me. I have talked to every supervisor at chime possible and this has now become completely unacceptable. The chime employees were rude and actually hung up on me a few times. Just like they record our conversation for quality assurance I immediately let whomever I am on the phone with that I am recording the conversation as well so I do have copies of those conversations. I have never had a problem with chime or its team until now but I have done nothing wrong here and am being treated as if I did. I am begging for some assistance in getting in contact with chime and getting my funds reimbursed to me as soon as possible. I have no doubt in my mind that the atm recording will prove my dispute to be accurate and should result in the refunding of my {$200.00}. If you have any questions or concerns at all I can be reached any time on my cell at ( XXXX ) XXXX. I appreciate your attention to this matter and look forward to hopefully rectifying this situation as soon a possible. Thank you for your time. Please see the attached pictures of the atm QR codes and ID NUMBERS for your information. Sincerely, XXXX XXXX
09/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33573
Web
To Whom It May Concern, On XX/XX/XXXX Chime responded to my complaint here with another allegation that makes no sense! It has been a full year as of XX/XX/XXXX since these allegations came against me. For an adjustment of {$2200.00}. Chime you stated in your response that you advised me to contact the Ohio Unemployment Office for further information. Then asked me to contact Chime customer service for more information.. However, I was told you received a letter called an LOI for the remaining funds to return to the bank. You have not in XXXX year sent me in the back office emails that this was to be further investigated through Ohio Unemployment office. If you took this very seriously as you stated in your response. Then why has it been XXXX year and I am just learning about Ohio unemployment today?!! if you check ticket number XXXX you will see this is not what I was told. You continuously give me a runaround and send me on goose chases. The amount does not even match the unemployment amount that was deposited to my account {$1700.00} on XX/XX/XXXX, the adjustment was for {$2200.00}. You are not taking this very seriously. I called today as you stated I could at XXXXXXXX XXXX EST. I spoke to XXXX the member service supervisor. He further looked into the adjustment and it did not say where or why it was adjusted. He requested to put me on hold to further investigate the situation. With no surprise, I was on hold and then another member answered and I got nowhere. her name was XXXX and she said she could not transfer me back to XXXX. She said she was from the dispute department and had no dispute with that amount. Then she proceeded to transfer me back to member services. I am responding because I still under no circumstances can get a hold of anyone at Chime to handle this matter. The unemployment office does not have my funds. Your allegations are false. I have asked for proof of your allegations from the XXXX XXXX the LOI your specialist said they had. check ticket number XXXX.. you have yet to provide the LOI. And now I would like your proof from the Ohio unemployment office. as this is new news to me!!! When contacting Chime again I spoke to XXXX the supervisor. She said she could not see where or why the adjustment was made as well. I have gotten nowhere. You must do something about this. Your instructions to me are not accurate and your investigation has failed me yet again. When I called again Supervisor XXXX confirmed that it was a LOI letter from XXXX XXXX requesting the remaining funds to be returned to the bank. She sent a request to her team lead to find out more information and I was kept on hold for XXXX minutes. then came back to tell me that it was not disputable and that she would have to send it back to the internal team. the email that no one gets back to me on. She does not have a copy of the LOI and is sending another request to the back office. ticket # XXXX. So the ball is back in your court. Then I received an email back from the back office shortly after XXXX sent the escalation. The response I got back was I see you are requesting a copy of your bank statement. if this is sufficient please reply back. " NO ITS NOT SUFFICENT ''!! I'm right back to the same runaround. I have well over XXXX emails out to the internal team. You have not taken this seriously as you stated in your response. you have only further upset your member. What do you plan to do about this now?
08/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 45036
Web Older American
On Monday XXXX XXXX I received a notice on my Chime Visa card for {$1200.00} for a purchase of services from XXXX XXXX XXXX XXXX XXXX XXXX that I did not make. I have never even been to Alabama. I researched the charge which was done via the XXXX XXXX payment processing service. I immediately filed a dispute with Chime bank and cancelled my Credit Card. I was able to retrieve a copy of the invoice/receipt from XXXXXXXX XXXX by a Credit card inquiry. I contacted the XXXX number listed on the invoice for XXXX XXXX. That phone number goes to a XXXX XXXX XXXX XXXX with no branch or affiliation with a XXXX XXXX XXXX XXXXa. They had no record of my purchase and did not receive {$1200.00} and in fact do not even use XXXX XXXX to process any payments. XXXX XXXX the owner of XXXX XXXX reviewed a copy of the invoice I sent him and he saw that his logo was being used by the fraudulent company in XXXXXXXX XXXX. He send me a letter for me to forward to my bank ( Chime ) stating this is a fraudulent charge as well as a fraudulent company using his company name and logo. He has been totally cooperative in this matter and filed a dispute with XXXX XXXX. I sent all info to Chime ( my bank ) what I was able to find out. Their investigation began on XXXX XXXX XXXX. They refused to provide any information what they were doing during the investigation. Finally on XXXX XXXX they informed me that the investigation was complete : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1200.00} Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. I have requested documents that they used for the investigation and am waiting to get those. I also filed a business complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the XXXX Police Department and have yet to hear from them. On XX/XX/2022 I contacted XXXX XXXX XXXX and he informs me he was never contacted by my bank ( Chime ) or XXXX XXXX Info for Chime bank : Chime Bank Corporate Office Chime Corporate Office Address Chime , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact Chime Phone Number : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX Website XXXX https : //www.chime.com/ XXXX XXXX XXXX XXXX XXXX Customer Service It is a credit card and payment processor that is stalwart to make themselves accessible for help through their customer support phone number. When you contact a service representative, you may also learn about pre-purchase fees and troubleshoot any mechanical issues like card reader ( XXXX XXXX XXXX ) failure or deposit delays. They can help you get your critical payment processing capabilities back online, so you can start making money again as well as link your bank account and report taxes. Dial XXXX and keep your customer code handy. XXXX Representative XXXX XXXX agents of XXXX are available from Monday to Friday from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX headquarters are in the United States. The address mentioned below can be used to send a hard copy of the clients queries. Headquarters : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Support The Company doesnt provide a direct email address to its customers, whereas it allows for an email in Contact form. To use the contact form, click on the link XXXX XXXX XXXX XXXX XXXX
10/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MA
  • 02472
Web Older American
Chime Financial XX/XX/XXXX : I had XXXX charges on my Chime debit card, and immediately contacted Chime regarding disputing the charges, and when I finally got to speak with a rep, I instructed precisely that there were 3 charges ; 2 to XXXX and one to XXXX ( craft store ). They stated that since they were still pending, they may still be returned to my account ( as I instructed to freeze the account ) and I had to wait to see what happens..in order for them to completely investigate. XX/XX/XXXX : One XXXX charge was being returned, one XXXX charge is still pending, and the XXXX charge was approved and shows completed. I again contected them, spoke to another rep and stated there were 3 charges and one had been moved to return to my account. According to what they had listed, there was only one! Obviously they were not listening. Again, I was told I had to wait. ( No one has contacted me about XXXX being approved ... as they stated they would " monitor '' things ) Today I was contacted by " XXXX '' about a charge to my account. My Chime is attached to my account and I panicked. I called the number, and spent 45 mins with a " security supervisor '' who called himself " XXXX XXXX ''. He gained my trust, with how he could assist in blocking 'scammers '' from my accounts. Long story short, he was able to transfer XXXX from my checking to a dumby account. In the midst of it I realized the terrible mistake I made -- and how could it have happened when I had REQUESTED THE ACCOUNT FROZEN with the rep! Why didn't Chime question it? Why wasn't the account frozen? It had active alerts for the account, or does the info they gather for fraud go in a black hole? So, I call Chime again, go through the voicemail XXXX they have, and finally talk to another rep -- who read his script, and stated he would submit a dispute though since it was a scam, I likely lost the money... even with a supposed frozen account ( he has no answers for that ). I feel completely XXXX about this. Though, knowing not to just sit around ; I filed a complaint/action with the FTC, the Atty General of Massahusetts, and the local police-who will generate a report for submission to Chime. Chime isn't a real bank, per se, it is deemed a financial institution-online, with limited access to ATM 's ( XXXX ), difficulty in getting to an actual person, with a customer service # that just is awful in thinking you are getting anywhere. Chat on line doesn't work, you can touch the "? '' and nothing happens, many times. Not only do I feel frustrated by my XXXX, I feel after many years as a Chime customer, that these types of things " are business as usual '' for Chime. I want them to help me, refund my transfer from my supposed " frozen '' account, because it should have been alerted at least, I want the two remaining charges from XX/XX/XXXX returned. I did not make the charges. Period. It can likely be done with a couple key strokes. Customer service is everything. I have read many complaints about Chime -- and so far up until XX/XX/XXXX, I thought it was an OK company. I had no issues. However, I expected more from them, not just a someone in XXXX-knows-where reading some script about " i know how you feel XXXX ''. No you do not know. I am frustrated and dissappointed in Chime ( and myself too, I admit ). I would like to be treated like an honest human being, and be taken on my word that what I have reported is true.
08/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TN
  • 38117
Web
I recently opened an account with Chime, in order to receive direct deposits from my employer. The account was correctly set up and correctly linked with my employers direct deposit system, as I checked prior to the date I was to receive my first direct deposits. I was supposed to receive two separate direct deposits from my employer on XX/XX/XXXX, in the amounts of {$4700.00} and {$1200.00}. I had not received the direct deposits but mid-day, which is unusual for direct deposits. I contacted Chime and was told that it sometimes takes two pay periods for direct deposit to work and that perhaps Id receive mailed checks. I reached out to my employers payroll department and they informed me that the direct deposit was properly set up and that payment had been sent to Chime. I forwarded this information to Chime and later received a reply stating that essentially, Oh, whoops, yes we now see that we DO have your money but the account name doesnt match the name on the deposit. I replied that the names DID match and sent documentation to prove such. I then received a reply that said turns out it wasnt an issue with incorrect names but rather they could see that the deposits were for business purposes and they only allowed personal deposits. I replied that they WERE PERSONAL deposits- my paycheck from my employer! They almost immediately replied and went back to their first excuse saying that whoops, they messed up again- they actually could see that they were personal deposits but the names didnt match. I again sent documentation showing that they DID match. Chime claimed that because my deposit name listed a middle initial, which my Chime account did not, that they could not receive my deposit. I have NEVER encountered any institution that wont receive a deposit due to an initial. I sent them my birth certificate, drivers license, Social Security cards ( one with maiden name and one with married name ), and my marriage license. Even with ALL of that identifying information that matched my account and deposit information, they still claimed that they could not change my account. They told me that my funds were returned to my employer and should arrive in 1-3 days. I was told this on XX/XX/XXXX. As of today XX/XX/XXXX, my employer still has not received my money. I reached back out to Chime and requested detailed documentation showing that my funds had been sent to my employer, not some generic reply. The representative sent me a trace number and told me that my employer and I could use it to find my money. I reached out to my employer, and they explained that only Chime could use the referenced trace number to track the money, not the receiving firm. I contacted Chime once again to ask that THEY track my money and send me detailed confirmation. However, I dont believe that the trace number they sent me was even a legitimate number. From my understanding, the beginning digits of a trace number are supposed to be the banks routing number, yet the digits did not match Chimes routing number, or any banks routing number for that matter. I conveyed all of this to Chime and have not received a response in over four hours, when previously, they were replying in real time. Because of this incompetence, if not outright fraud by Chime, I have missed a mortgage payment, several other bills and credit card payments, my daughters tuition, and countless other important payments.
01/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MO
  • 636XX
Web
On XX/XX/2020 I tried to log onto my Chime account through my app but on a different phone. Chime sent a verification code which I entered promptly and immediately afterward my account was suspended for suspicious activity. At the time I had close to {$80.00} in my account. I receive an email telling me to submit documents, which I did in less than 12 hours. Along with 2 phone calls and 2 emails. I have emailed over 20 times, I have called over 20 times, Ive sent repeated emails to XXXX and XXXX. Ive called and emailed XXXX which is the parent of my Chime debit card. I have gotten 5 emails from Chime in the past 16 days. 2 stated that I would have a response within 24-48 hours. 1 stated I earned a higher overdraft privilege, 1 stated my direct deposit was accepted ( 3 days after the suspension ) and one stated that I need to watch my language or my account would be closed. I sent in two sets of documents, 2 drivers license, certified marriage certificate, proof of address, my actual chime card, other bank and state issued cards with my name printed on them, a picture of myself with my license, social security card, and I verify my identity every call I make to Chime for them to even talk with me about my account. I verified my social, account number, all addresses ever associated, all phone numbers ever associated, PIN numbers, physical addresses ect. Ive requested communication from Chime over 10 times in emails and over 20 times through phone call. Ive requested my account closed and my money returned. Ive requested a transfer to my legal husband who also has a chime account. My case has been escalated over 10 times and the only answer I have gotten is to be patient, 24-48 hours til complete, theres nothing that they can do until some other department who has no phone number or email address, looks at my account and sends me an email. Today is XX/XX/2020 and I still have no access to my account. Ive had no communication from Chime, No one knows why its still locked and Ive never received a single reply from chime that was automated besides the one telling me to watch my language. Ive never gotten an explanation of the why my account was suspended, not on how to fix it, or ANY information from Chime at all. Ive had my electric cut off due to no payment, my children woke up XXXX morning with not a single present, my renters insurance was canceled, my daughter still doesnt have her very needed glasses for her reading XXXX, Ive missed 4 days of work and counting, I lost the home I was to move into this week so Im now XXXX .... All because of Chime suspending my account and not communicating with me about it, because they havent done their jobs to verify or anything. However they HAVE accepted a {$140.00} direct deposit and my {$1800.00} stimulus check. All of this because I signed in on a different phone, with the verification code they provided. I did everything requested two separate times. Ive yet to get anything but automated responses from Chime. Ive been told on 6 different occasions Id have a conclusion within 24-48 hours. Its been escalated over 10 times, called over 20 and emailed over 20 times. I have all communication and proof of all denied transactions and that my account was positive with MY money. No promotional rewards, or anything. Direct deposits from the State of a Missouri and a Federal Government deposit. Please help me!!
05/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98406
Web
On the afternoon XX/XX/2022, XXXX unauthorized withdrawals from my Chime bank account took place at a XXXX XXXX ATM at XXXX XXXX XXXX in XXXX, WA. These unauthorized transactions took place while I was washing laundry XXXX XXXX XXXX in XXXX, WA - nearly XXXX miles distance from the ATM. I only have one debit card for this account, and it was physically in my pocket as these unauthorized transactions were taking place. After noticing the second withdrawal via a notification from my Chime app, I disabled the card in the app and immediately called Chime support. At that time, Chime support informed me that I had to wait for the unauthorized transactions to settle before I could start a claim. On the evening of Monday, XX/XX/XXXX, I called Chime support to initiate my claim. They asked me probing questions regarding my debit card, all of which I answered. I informed them the card was on my persons when the unauthorized withdrawals took place. They asked me how do I store my PIN information. I replied I keep it memorized, which I do. They asked me if I shared my PIN information - I do not freely share my PIN. The call ended with support stating they would review my claim. The next morning, Wednesday, XX/XX/XXXX, I received a notification in my Chime app that my claim was denied. I have recently received Chimes evidence that it used to support their denial of my claim. In it, they state that there were no hallmarks of account takeover. Point blank, that is a subjective statement, Im unsure how that could be used as a defense to deny my claim. They also state that because I process large transactions regularly on this account, they dont feel the charges are abnormal. While it is true that I process large transactions on this account on a normal basis, those transactions are via XXXX. I categorically deny Chimes assertion that I withdraw large amounts of money out of this account from ATMs on a regular basis. I can provide bank statements that to support my statement. Chime support also states that the location of the transaction or within their home address. Their words, not mine. I believe they are stating that the ATM is in close proximity to my home, and it is not. The ATM is approximately XXXX miles from my home. I do not conduct business in XXXX, WA on a regular basis. As stated earlier, I was in XXXX doing laundry ( I can provide proof ) when these transactions took place, with my debit card in my wallet. No one can be in two places at once. Just because an ATM is within driving distance of my home, that doesnt negate the possibility of fraud. Overall, I am disappointed in Chimes customer service. They provided nothing more than subjective statements to deny my claim, no factual proof that the unauthorized withdrawals were valid. Statements like no hallmarks of account takeover, or the ATM is in close proximity should not outweigh a client calling in fraud on his account, in real time, with his debit card in his hand. What is even more depressing is that they are attempting to use my honest business conduct with them against me. Just because I process large transactions from this account, that shouldnt give them the right to outright deny my claim. Especially when they didnt even review the video footage from the the ATM. I had to wait days to file my complaint, and Chime support denied it almost immediately, without a thorough investigation.
08/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 778XX
Web
On XXXX XXXX and XX/XX/XXXX I noticed several unauthorized charges on my account that occurred back to back from a merchant called XXXX totaling XXXX and also for XXXX I immediately reached out to Chime member support and explained the issue and confirmed that I didnt authorize or make these transactions. I explained that to them that I lost my phone and it had my card info and other info inside the card was then deactivated and a dispute was filed and while speaking with the support agent I was told that within 10 days I would receive my provisional credit and it could take 45 days for investigation to complete. XXXX XXXX the same day dispute was filed I got a denial for the amount of XXXX and was told that I can request the documentation that led them to the decision I requested those documents and was told that within 10 days I would receive said documents also if I didnt agree with the decision I could submit a rebuttal and they would reinvestigate my claim so I did that on XX/XX/XXXX not even 24 hours later I got another denial for the {$250.00} once again went through the same generic response from the day before. Once again I asked for documentation and submitted a rebuttal. XX/XX/XXXX same email ( denial ) I repeated the same steps once again. From XXXX I received no emails on XXXX I received a denial email for the amount of XXXX and I went through the same process request for documents and submitted a rebuttal. On XX/XX/XXXX I received and email with documentation that was used in the {$250.00} claim and no proof was presented to show that the charges were my charges so I reached out and once again submitted a rebuttal. From XXXX I went through denial and rebuttals every other three days I reached out to you guys and finally on XX/XX/XXXX I received provisional credits for both amounts and finally got documents thats still never proved that I made the said transactions I also filed another dispute on XX/XX/XXXX in the amount of {$490.00} through XXXX XXXX. I explained to the support agent that as soon as I seen the charge I called them and ask could they cancel the transaction because I didnt make it and it was still pending they told me to reach out to XXXX XXXX and ask them to stop the charge I did that and was told by XXXX XXXX support that since it wasnt my account they couldnt even pull the account up and that I would need to file a charge back with chime I called chime back and explained this and was told that once the charge is no longer pending I would need to call them back and continue with my dispute and I would immediately receive my funds back after explaining to them that as soon as I added the money to my account to pay my utility bill it was snatched out and that it should be something they could do fast forward three days later I received an email saying my claim was denied and from XX/XX/XXXX until this present day I have been going back and forth with submitting rebuttals. They reversed both provisional credits with absolutely no proof that an error never occurred I have every single email and documentation they have sent me and even an email from the other merchant saying I dont own an account with them. After 5 months of being stressed and depressed about my money that they have allowed to be taken and refuse to give me back I just want back. I want them to be held accountable for not protecting my money as promised.
07/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NJ
  • 08618
Web
I attempted to make a purchase for {$400.00} from XXXX on Friday, XX/XX/XXXX using my Chime debit card. After clicking Submit, the website screen popped up with an alert saying that the payment could not be processed and to select a different payment method. I assumed I had wrote my information incorrectly somewhere so I input the same information for my Chime debit card again. XXXX website again informed me that the payment could not be processed. However, when I checked my bank account with Chime, the {$400.00} had already been taken out of my account twice. I immediately called XXXX to confirm that the order had not been processed but the customer service line was not open yet as it was early in the morning. I called the customer service line again around XXXX on XX/XX/XXXX. The customer representative told me that neither transaction had been processed and that both were immediately rejected by XXXX because the company doesnt accept that form of payment. He advised that the issue was with my bank and not with XXXX, but that typically the money should be back in my account within 24-48 hrs since XXXX never accepted the money. Immediately following the call with XXXX, I then called Chimes customer service phone number and was connected to the disputes department. I explained what had happened and was able to file a preliminary dispute. I was told to wait to see what happens with the pending charge, and if the charge does go through, then the dispute would go into effect. As of today, Monday, XX/XX/XXXX, the money is still being withheld in my pending charges. I called Chimes customer service line again and was told that I would need to wait XXXX business days in order to access my funds as the charge would eventually expire. I explained to them that the charges should have never been taken from my account because it was not processed by the merchant and therefore never existed. I also reminded them that it was rejected and therefore did not need to expire because it was already cancelled. Still, the call center representative refused to help and continued to reiterate that I would need to wait seven days. I told the representative that I wanted the bank to use its insurance money to cover the {$800.00} missing from my account and that Chime could pay itself back once the charges cleared in seven days. The representative forwarded me to the disputes department again. The disputes representative tried to be helpful but she stated she could not formally enact the dispute on a pending charge. She tried to have the customer service representative investigate further into when the pending charge would realistic come off my account but the call center representative continued to reiterate that the maximum is seven days. Now, over a holiday weekend and as a single mom, I have to wait seven days for money to go back into my account when it shouldnt have been taken out in the first place. I am being punished for a glitch in Chimes system and they are unwilling to fix it or make amends. It is extremely unfair to me and makes me scared to even make purchases online or anywhere for that matter for a large amount. XXXX would not disclose why they wouldnt accept the payment so now I have no idea how to know which merchants accepts Chime and which ones dont. Ive never had this problem until Friday but it is definitely concerning.
10/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85032
Web
I opened a credit builder account and the activated " safer credit building '' feature immediately. After reading information directly from the Chime website, I used the account as they advised. I made {$2400.00} in deposits and used it for everyday purchases. I charged up to the entire amount deposited and the money for each charge was deducted by Chime as the charge was made.After reading in Chime 's Credit Builder FAQs " with a typical credit card, using a high percentage of your credit limit can negatively impact your credit score. You dont have to worry about that with credit builder. '' And " spending up to the amount you added will not show a high utilization card on your credit history, so use credit builder for your everyday purchases and let them count toward credit building! '' And " at the end of the month you can use the money in your secured account to pay off your charges. We will report your timely payments to the credit bureaus. '' I was shocked and devastated when Chime reported an " open balance '' of {$2400.00} and my revolving usage percentage shot up to 819 % because I have a {$300.00} credit limit from a different credit card ( chime does not report a credit limit and I have never used my other card ) my revolving usage prior to Chimes reporting was 0 %. My credit score dropped 23 points and I began receiving alerts that my debt had drastically increased from all 3 bureaus! I emailed Chime several times and they responded with condescending comments implying that I dont understand how credit scoring works and that maybe I had made late payments that caused my score to drop!! I assured them that I fully understand what had happened and I sent several screenshots from each bureau detailing the problem as well as the statements from their own website. They told me that although they had already taken my money for the charges I made, they hold it in a separate account and they report at the end of the month but they dont take the money from the separate account to pay my charges until a few days later at the beginning of the month ... then they report my timely payment at the end of the following month ... .WHAT???? So they take my money and they have my money at the time that they report my charges as an open balance due ( aka debt ) and I have to wait for a month for them to report my payment that they've had the whole time ... at which time, they also report a new months worth of debt ... .so the consumer is constantly showing a revolving debt that they've already paid ... .I asked them to report my payment immediately and they refused. They had my money when they reported this " debt '' but they refuse to report it until a month later. I had secured financing for a vehicle and am trying to get a home. My financing fell through because of this and Chime just keeps telling me to wait 30 days for them to report my payment. Unacceptable! I want my credit report to be accurate today! I also think Chime needs to re-evaluate its practice of taking consumers money and then reporting that they have a balance due then reporting their payments a month behind when then report a new round of supposed debt! This method of credit reporting leaves their consumers in a perpetual cycle of debt and high revolving usage on their credit report all the while, chime has their money sitting in a separate account!
12/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NJ
  • 08096
Web
On XX/XX/2023 I sent {$200.00} to XXXX XXXX via chime ( pay anyone ). She told me her chime tag was XXXX which came right up when I typed it in so I assumed i had the right account and sent her {$200.00}. A couple minutes passed and at that time she told me she hasnt received the funds yet. I asked her to pull up her account information so I could verify that I sent the money to the correct account and when she pulled up the info for me, I saw her chime tag was XXXX which immediately seemed suspicious to me because she absolutely DID NOT tell me there was a number XXXX after her name the first time she gave me the information. I immediately became suspicious that she was trying to deceive me into paying her twice. I asked her if she had XXXX accounts because it seemed odd that she neglected to mention the number XXXX at the end of her chime tag the first time she gave it to me. She insisted that she had not received the money and that she only had XXXX account. She requested that I try to send the money again. Still feeling like I was being deceived, I decided to do a transfer of XXXX dollars just to confirm she wasnt giving me another ghost account like she had done originally. She confirmed that she did get the XXXX dollars but at that point she asked if I could just give her the XXXX in cash so she didnt have to walk to an ATM. At that point, with much hesitation I gave her XXXX in cash and promptly contacted chimes customer service to have the original XXXX dollar transfer reversed because I sent it to someone else with the same name by mistake. Chime told me there is no way to reverse a transfer and I should be more careful when transferring money in the future. Chimes customer service then told me the only way to get the original XXXX dollars back is to send a request explaining what happened and ask for the money back. I laughed when they suggested that and told them that chime really needs to get it together because I was just robbed and not only did they not care at all but they really need to implement some sort of safety net to protect against something like this from happening more frequently. I then asked to speak with a manager about filing a dispute. They said a manager isnt necessary to file a dispute and the person I had on the phone would be happy to help me dispute the transfer. I explained the entire situation to the person I had on the phone and I was told I would have an answer in a few days. It wasnt more than an hour after I filed the dispute that I got a response from chime. The response simply stated that the dispute is now closed because no error occurred. I called back and explained the situation again and expressed how unsatisfied I was with their dispute process and requested to speak with a manager. I was placed on hold while they got a manager on the phone. I was on hold for at least 20 minutes when I heard a click, the hold music stopped and realized I was just hung up on. I called back and requested to speak with a manager again. The same thing happened. I was placed on hold for over XXXX minutes and then hung up on. At that point I just assumed I was never getting the XXXX dollars back and moved on with life like usual. Recently, I was explaining what happened to a friend and he suggested I reach out to CFPB and see if there is anything that CFPB can do to help me out.
01/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MN
  • 56007
Web
On Sunday, XX/XX/XXXX, I received an email ( sent to me just after 6am ) saying my password had changed for my Chime banking app. I was sleeping at XXXX and did not wake up until around XXXX XXXX to diss over this email. Upon receiving it I quickly went and tried to access my account via the app to see what was going on. I confirmed that I could not access my account. When I clicked reset my password it would not allow me to reset it because it wanted to send a code to my phone number which was out of date. Not knowing what to do, I called the bank. They ( after giving me a lot of run around ) informed me that a transfer had been done after XXXX on the same day XXXX the XXXX ) for {$260.00} which was my entire balance short of XXXX cents via the pay friends feature on the app to someone named XXXX. This name or person is completely unknown to me. I of course could not have completed this myself since at the time of the transfer I was already locked out of my account. I asked them to cancel my debit card and send me a new phone with express shipping. That was the only thing done correctly. They also updated my phone number which allowed me to change my password after we got off the call which I did. That was the only option I was given to secure my account, and I dont feel like their security is up to par. I did not share my info with anyone and yet this breach was allowed to happen. No verification codes were sent to me so I do not understand how this could have happened. Chime sent me a inaccurate transfer dispute form via email which I filled out and sent back via email promptly on the XXXX as well. I received an automated response right after saying that an investigation could date 45 to 90 days but a provisional credit may be issued after ten days. That was the last communication I received regarding the dispute. On Thursday, XX/XX/XXXX I received multiple emails from Chime stating that after reviewing my account, they are choosing to part ways with me and are closing all my accounts effective immediately. No mention of my dispute and my stolen ( and OWED ) {$260.00} was made. My app is disabled due to the closure and I cant take screenshots of any of the transfer history for my records. Appalled by the emails, I tried to call to speak to a representative and the automated system will not allow ANYONE with a closed account to speak to a representative for anything at all. It directs me to email XXXX and hangs up. I sent them a very concerned email regarding the account closure and more importantly the lack of resolution to my dispute given they have closed my account. I have reviewed no response. I am astounded and exasperated by my experience. I feel that they are trying to steal my money again by not honoring their responsibility to protect their customers and issue refunds when accounts are compromised. Instead they close the account for no particular reason and hope the customer walks away without further pursuing the issue. It is fraud and it is theft. Chime does not respond to customers, hides in fact, tells half truths, and my be actively involved in defrauding their customers. This same thing appears to have happens to numerous other customers, especially in recent months. All with difficult resolutions if any resolution is found at all. I expect a refund of my {$260.00} immediately.
10/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 11422
Web Servicemember
Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$510.00} On Friday XX/XX/XXXX shortly after returning home from work. I received a notification from Chime bank stating that my card declined at XXXX XXXX XXXX for 2 transactions of {$200.00} and {$100.00}. The reason explained in the email was that the wrong pin was used. This was strange because my card was in my possession. I quickly called chime and alerted them of the situation. While I was on the phone with a representative named XXXX she disabled the card and ordered another one. While on the phone with XXXX another alert was received. They went to another location and tried again. The card declined again at XXXX XXXX XXXX for {$180.00} due to the card being disabled, as stated in the email received. I was told that these transactions didnt go through and that they would fall off and would get my money back. My question is how can someone input the wrong ATM pin?, and still be able to steal my money. Why is the balance being subtracted from my account if the pin is wrong? I was transferred to the dispute department. I then told them again what happened, they Basically told me they couldnt do nothing and had to wait for the transaction to clear. The transactions didnt post till Sunday XX/XX/XXXX. I contacted chime. I provided all the information from what happened to the agent. Based on the way they were handling the information I could tell they didnt care or know what they were doing. I expressed my frustration and asked how could this happen? And what would be the proper recourse would be. I contacted them for days explaining my situation over and over and over again. No one in the company seems to care, use common sense or logic. The representatives provide no help and they seem robotic, lethargic, and they give the same responses. Nothing to try actually figure out your problem. After speaking to representative numerous representatives on XX/XX/XXXX. I received an email stating my dispute was denied and that based on their investigation no error was found. That is impossible and I feel they closed my case without do an investigation at all. There is no way you can tell me no error was found when clearly the alerts on my phone said the wrong pin number was used and they were still able to get money, explain that. Clearly there was a problem. Anyone doing an investigation can has to answer that very question. Chime has the worst agents. No one wants to help, they hang up the phone. I called and no one is providing me any information as to why my claim my claim was denied. They dont help in any way. They just read company policy over and over after you stating your issue, no way of actually trying to fix it.. I asked for a high level manager to speak to there is none, no way to contact corporate. As of today I will be filing a police report, going up the locations that was sent to me in my emails and request to see camera footage. This an outrage that I have to do my own investigation to get my money back that stolen from me. Im disappointed in chime and would not recommend this bank to anyone. XXXX to a bank where you can actually see an agent.. I plan on taking this as far as I can till I get my money back. This has been an inconvenience to me and family during this time.
09/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 28079
Web
Chime bank online services. I, XXXX XXXX XXXX, have an account with chime Bank. On XX/XX/2023 there was a fraudulent transaction from XXXX XXXX XXXX for {$180.00}. A second fraudulent transaction from XXXX XXXX happened on XX/XX/2023 in the amount of {$290.00}. I contacted the police and told them there were fraudulent transactions on my bank account and when they investigated they found that the XXXX fraudulent transactions the ISP address matched from the person who committed the fraud and my ISP address did not match that of the fraudsters. In fact the fraudster was over XXXX miles away from me in a different state so it could not have been me according to the police. I contacted both XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX gave me my money back XXXX days after I told them of the fraud and XXXX XXXX XXXX said they would never give me my money back, even if fraud had had happened. Chime Bank gave me a new card in XXXX of XXXX because of the unauthorized transactions. For some reason now they are denying my claim and the documents they give me don't prove anything beyond the police finding it could not have been me based on the electronic fingerprints and the fact that XXXX XXXX XXXX admits they never gave me any goods or services. Chime Bank needs to answer why they say no error in the transaction occurred and denied my claim XXXX times now. The police proved it was unauthorized and XXXX XXXX XXXX proved and admitted they never gave me goods or services for the transaction. How in the world can my bank claim no error when there was nothing but errors and the fact they don't answer my claims shows that they're lying and hiding something and giving my money to the fraudsters. XXXX XXXX XXXX not only admits they never gave me goods or services but says they will give me a voucher for a show in the future to show they never gave me any value whatsoever yet for the money that my bank gave them on XX/XX/2023. All this is proven and in the possession of chime bank yet they are either stupid ignorant or just plain incompetent and can't read documents that are in their possession. How they can lie to the Consumer Financial Protection Bureau and say that there was no error and do it with a straight face is beyond me and the fact the Consumer Financial Protection Bureau is allowing them to say this and not holding them accountable. I sent chime Bank the police report and their own documents where XXXX XXXX XXXX admits they never gave me any goods or services and said please read your documents that you send me better because they admit they're not deserving of my money because they didn't give me anything for my money. Chime Bank simply breaks the law and says we can't find any error. There are two parts to a transaction number one is did I authorize the transaction and number two is did I get any goods or services? I have already proven the transaction was fraudulent by the police and the police report and XXXX XXXX XXXX admitted they never gave me any goods or services. How can chime Bank say no error in the transaction is almost ridiculous to the point of being Criminal. They are giving my money to an entity that didn't do anything to deserve my money. XXXX XXXX XXXX never gave me anything that is deserving of my money. Chime Bank needs to give me my money back.
06/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • GA
  • XXXXX
Web
I WAS TRYING TO REACH CHIME BECAUSE I HAD RECEIVED TWO DIFFERENT CREDIT CARDS IN THE MAIL, BUT I NEEDED A DEBIT CARD INSTEAD OF ONE OF THE CREDIT CARDS. SO I XXXX THEIR CUSTOMER SERVICE NUMBER SINCE NONE OF THE AUTOMATED CHOICES WERE HELPING ME, AND I WAS NOT ABLE TO GET A LIVE HUMAN TO HELP ME. WHEN I CLICKED ON THAT PHONE NUMBER FROM THE SEARCH, SOMEONE ANSWERED THE PHONE AS CHIME CUSTOMER SERVICE, IMPERSONATING A CHIME EMPLOYEE WHOM I THOUGHT WAS DOING THEIR JOB AND HELPING ME WITH MY PROBLEM. THIS PERSON INSTRUCTED ME TO DOWNLOAD TWO APPS IN ORDER TO FACILITATE HIS ABILITY TO DEACTIVATE ONE OF THE CARDS THAT WAS SENT TO ME, ACTIVATE THE OTHER, AND TO SEND ME THE DEBIT CARD I WAS REQUESTING. THE TWO APPS WERE : XXXX XXXX XXXX, AND XXXX XXXX I DID NOT REALIZE THAT THIS GAVE THE PERSON COMPLETE REMOTE CONTROL OF MY PHONE ; I THOUGHT HE WAS ACTUALLY HELPING ME TO RESOLVE MY PROBLEM. THEN HE OPENED MY CHIME APP BY INSTRUCTING ME TO USE MY BIOMETRICS, AND HE ACCESSED THE CHIME " PAY A FRIEND '' FUNCTION. AT THAT POINT HE BEGAN INPUTTING THE AMOUNTS OF MONEY LISTED FROM BOTH MY CHECKING AND MY SAVINGS, TELLING ME THAT HE WAS TRANSFERRING THE MONEY TO THE NEWLY ACTIVATED CARD. HE EVEN PUT IN THE COMMENTS THAT HE WAS ACTIVATING THE NEW CARD AND DEACTIVATING THE OLD CARD, GIVING ME THE IMPRESSION THAT THIS WAS HOW CHIME EMPLOYEES DID THEIR JOB. THEN HE SENT THE MONEY, SAYING THAT THE EMAIL HE WAS SENDING THE MONEY TO WAS THE DEPARTMENT THAT ACTUALLY WOULD BE ACTIVATING MY CARD. AT THAT POINT I TOOK A QUICK SCREEEN SHOT OF THE TRANSACTION, TO HAVE MY OWN PAPER TRAIL. HE TOLD ME THAT I WOULD RECEIVE AN EMAIL TELLING ME THAT MY NEW CARD WAS ACTIVATED, AND WHEN I GOT IT MY MONEY WOULD SHOW BACK UP IN MY ACCOUNT. HE SAID IT WOULD ONLY TAKE A FEW MINUTES. HE ASKED ME IF THERE WAS ANYTHING ELSE HE COULD DO FOR ME, THANKED ME FOR BANKING WITH CHIME, AND THEN ENDED THE CALL. IN A COUPLE OF MINUTES, WHEN I DIDN'T SEE THIS EMAIL, I BEGAN TO BE CONCERNED THAT SOMETHING WASN'T RIGHT AND I MAY ACTUALLY HAVE BEEN SCAMMED. THEN I BECAME AFRAID THAT I WOULDN'T SEE MY MONEY AGAIN, SO I INSTANTLY CALLED THE AUTOMATED NUMBER AGAIN HOPING FOR SOME KIND OF HELP, FINDING AN OPTION TO DISPUTE CHARGES. I CHOSE THAT, AND AFTER A LONG LINE OF BEING TRANSFERRED FROM ONE REP TO ANOTHER, I FINALLY SPOKE WITH SOMEONE IN THEIR SPECIALIST DEPARTMENT. HE WAS A GREAT HELP AND REALLY SYMPATHIZED WITH MY PLIGHT. HE HELPED ME TO FILE A LEGITIMATE CLAIM, AFTER A WHOLE DAY OF NOBODY BEING ABLE TO DO THAT. I WOKE UP TO AN EMAIL FROM CHIME DENYING MY CLAIM, STATING THAT THERE WAS NO FRAUD. MY RESPONSE WAS TO TRY EXPLAIN HOW THERE IS NO WAY THIS WASN'T A CLEAR CASE OF FRAUD. THEY OFFERED TO SEND ME THE DETAILS USED IN THEIR DECISION, BUT IT COULD TAKE 10 DAYS. THEY SAID I COULD SUBMIT MORE EVIDENCE IF I HAD ANY. I DID TAKE SCREENSHOTS OF THE COMPLETED TRANSACTION AND THE PHONE NUMBERS AND TIME STAMPS FROM IT ALL. THE FAKE WEBSITE ( WHICH IS XXXX ) HAD POPPED UP VERY FIRST IN MY XXXX SEARCH FOR CHIME CUSTOMER SERVICE. IT LEADS TO A FAKE BUSINESS WITH A FAKE ADDRESS, AND AN EMAIL ADDRESS BEING : XXXX. THE PHONE NUMBER ABOVE IS THE ONE I CLICKED ON TO CALL FROM THAT SEARCH, WHICH WAS DONE ON MY PHONE, BUT ON THE WEBSITE THERE HAVE BEEN THREE DIFFERENT PHONE NUMBERS THAT I HAVE SEEN SINCE. THEY ARE XXXX, XXXX AND XXXX.
06/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • 85205
Web
I was using the " Pay anyone '' to transfer money to my landlord for rent. I entered my landlords number in the transfer request and it processed the payment of {$500.00}. However once the processed payment went through and refreshed on the site, it shows that the payment paid someone else entirely. I saw the name it paid and it cha ged from my landlords name, to someone else. I personally do not know this person., Customer service told me it was someone who has a chime account and my landlord does not. However, it looks like this person 's phone number has not been updated on their profile because that phone number belongs to my landlord now. How in the heck did my " Pay anyone transfer '' end up going into someone who has a chime account? That shouldn't even happen. There's a glitch in their system, and this is not my fault I have no control over anyone nor could I see if this person was associated with a chime account before sending a payment. I thought it was going to send the link to my contact not some random stranger that use to have my landlords phone number! To me, it looked like it didnt get processed through the " pay anyone '' transfer. It possibly funded someone who has that phone number connected to their chime account. I had already confirmed with my landlord, that she didnt have a chime account, so i dont know what happened on the backside of this operation internally with the bank, but my landlord was supposed to recieve a text that says she has been sent {$500.00} from me. She never even got a text message. She confirmed she never recieved anything like that from me or the bank. I then contacted the bank within XXXX mins of this transfer that wasnt processed correctly, and they were trying to fix it and then they hung up on me during my dispute. Never called me back, So i filed a claim online. When i did that i had used the wrong prompt and said it was an unauthorized charge because technically i didn not authorize payment to that other person. However when i talk to chime customer support they advised me they could see what happened and that i needed to fix that and so they were supposed to write to the fraud dept on my behalf to get this disputed but they wanted more evidence, when iprovded them my evidence they said no that they didnt see an error. I have supplied them with screenshots and communication between me and my landlord and her statment she did not reiceve any notification for these funds nor was anything deposited into an acct of hers because she never was sent the link via phone to have her link her card or account to recieve the funds! I dont know where my money went, or if it was depostied in someone elses account but this is not right or fair and someone needs to look a lot deeper into to this error. I Just want them to give me the money back, this has been so stressful for me. I am on the verge of getting evicted because of this, it's disgraceful if the bank deposited it into someone elses account especially if it was someone who already has chime because i had specifically did the pay anyone transfer which I was told would not work if a person had a chime account! That's not right that the bank lost my money or has a loop hole in their internal processes that cost me {$500.00}. Thats a lot of money and I need retribution here.
01/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85706
Web
To whom it may concern. I learned that my chime account had 36 unauthorized transactions. I reported it to chime. They accidently left off one of my transactions and opened another claim. They approved one transaction for XXXX and declined all other transactions ( 35 of them ). Unpon requesting infor on how they approved it shows no error and no investigation was done. But they recieved a charge back so they just put my XXXX back. The other trans are made by the same person in the same spending pattern and they were declined. Upon getting the report of how they determined this it shows that i stated my passcodes were only in my mind... that is not true on the inital claim you will see it was stored on XXXX XXXX which is how my account was hacked. No other documents i sent in were looked at. XXXX XXXX advised i needed to provide documents as investigations states they had nothing. Which is not true i have all the emails time stamped. I gathered documents from my doctors in calufirnia showing that during some of the transactions i was in XXXX 15 hours driving away from the towers that the ip were bouncing off of ... im sure if they researched they will see the ip address is in arizona and my papers clearly show me admitted to the hospital in california. I sent in the police report showing my stuff was stolem. I also have a phone call in fact there are two that chime is stating my money would be put back as the contacted investigations and the call was dropped but we called back and the new manager said it was not notated and would not help in any way. Visa provided me with the call as they record every call. I also sent that in. I called to do a rebuttle and the rebuttle was declined withing seconds that was on XX/XX/XXXX then another XX/XX/XXXX and another XX/XX/XXXX. Once i said i was going to contact the legal office the rebuttles were all active. Then all were cancelled. The information shows they did not use any documents that i provided to show the transactions were not mine. I was told that no matter what i turn in my claim will never be approved because of chime not getting a charge back. I am going to include all documents. Including the approval letter that said they approved my claim... only to find out they only approved on transaction and called it good ... .i only had one claim so i thought my claim was proven and all is well but they declined to credit the other 35 transactions that were clearly included in my only claim filed. I started XX/XX/XXXX fighting for my funds and they are now pushing XX/XX/XXXX to hear anything. They keep saying i need proof of transactions but being under the knife during several transactions is not proof to chime. And being XXXX5 hour drive away from the tower is not proof... they have it set to not pay no matter what proof i provide. Even the ip address of the merchant trying to transfer while i was on the phone with chime is not proof chime will even look at. They are sifting thru date to try and find a way to decline instead of looking at all the proof and putting together the real picture. If it doesnt support a way for them to decline they will not even look at it. This is not fair or ethical... or lawful!!!!! I am told a manager put together a wonderful rebuttle and tried to esculate it but it was denied right away.
03/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NJ
  • 08753
Web Servicemember
On XXXX, after spending all day at home sick, I went to withdraw {$400.00} from my account to pay my roommate part of my rent. My ATM withdrawal was declined. It was only then that I realized my card had 5 unauthorized gas purchases on it. The first two were from " XXXX XXXX ''. These transactions were done at XXXX XXXX and XXXX XXXX in the amounts of {$75.00} and {$75.00}. The next 3 charges were done at " XXXX. '' These transactions were done at XXXX XXXX XXXX XXXX and XXXX XXXX for the amounts of {$76.00}, {$120.00} and {$48.00}. The total of these 5 charges is {$390.00} and they were all done within 31 minutes of one another. I did not receive any notification on my phone from the Chime app when these charges occurred and my debit card never left my possession. Had I received notifications of these transactions, I would have locked my card immediately. I was at home sick in bed on my phone. I should have gotten at least 1 of 5 notifications but I got nothing from my app. I called Chime on XXXX for assistance because these charges were still pending and I could not dispute them online. I was advised to dispute them as soon as they cleared and that a provisional credit would be issued immediately automatically. I had to wait until XXXX for them to clear. During this call, I was able to report my debit card as compromised and I am being sent a new one. I woke up early on XXXX to check my account and try to dispute them. I disputed them at approximately XXXX XXXX on XXXX. I submitted the first dispute for 4 of the 5 transactions totalling {$320.00} ( # XXXX ) and a second dispute for {$75.00} ( # XXXX ). A provisional credit for {$75.00} was immediately issued but I was not issued a credit for the additional {$320.00} as I was assured I would be. I am now late on my rent and accruing late charges because Chime was unable to do as the rep stated in my first call on XXXX. In an effort to pay my roommate more of my rent, I called Chime to see why I hadn't received the {$320.00} in additional provisional credit so I could pay my rent. They informed me that Chime has until XX/XX/18 to issue a provisional credit and that they will only do so if their dispute has not been resolved by then. My 2nd dispute for {$75.00} has already been denied less than 24 hours after submitting it. Chime has not requested additional information or any supporting evidence. Chime has refused to even tell me the addresses of these 2 locations where these 5 charges were made. I have repeatedly asked for this information and they have refused to provide it to me. I have only received scripted answers to any of my requests. I have been unable to speak with an actual person who can help me. I have done so in writing and on the phone. During my call on XXXX, I was told that they could not see the information because it had not cleared yet. Then during the calls I made today on XXXX, I was told they are unable to provide me with the addresses of the locations where these 5 charges were processed. How can they refuse to provide me information about where my money went to?! I have enclosed screenshots of my call log to show my multiple calls to Chime as well as our email correspondences. I have also included screenshots of my individual charges, my ledger and my disputes in Chime.
03/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77327
Web
On XX/XX/2023, while on my way to work, I received a call from a Chime representative stating there was fraudulent activity noted on my Chime credit builder card. They stated they froze my card, would send me a new card and while they had me on the phone, beef up security to my account/card. I was sent a text message with a 6-digit code and when I received it, to let the representative know so that I could repeat the code to them. This code was to verify who I am without having to give out any personal info. While all of this was going on, I had clocked in at work ( by fingerprint only ) where I am an XXXX in a XXXX facility. Just as an fyi, I am the only XXXX on the skilled hallway that I am assigned, from XXXX. I kept being placed on hold and every time she would come back on the phone she thanked me for being patient. After an extended time of being on hold, and I was at the time where I needed to star XXXX XXXX XXXX XXXX XXXX, I went to check my app on my cell phone and realized that I had been logged out of my app. I called Chime from the phone at work to reset my log in info and when I logged back into my app, that is when I realized that all my money ( except {$.00} ) had been taken from my card/account while I was on hold. I was able to check the transactions on my app and while I was on hold and at work my card was used as such : at XXXX {$760.00} was spent at XXXX in XXXX, Tx , at XXXX {$170.00} was spent at XXXX in XXXX, Tx and XXXX XXXX XXXX {$36.00} was spent at XXXX in XXXX, Tx. All of these places are approximately XXXX minutes from where I live/work. I filed a police report with XXXX Police Dept. that very same night. I spoke with the manager at XXXX and XXXX the next day and they flagged the transactions and video for the detective who took over from the officer I filed the police report with. When the detective went to XXXX and XXXX and viewed the video, it was determined that all 3 transactions were done by a heavyset XXXX manand I am a XXXX old white woman. All of this has been turned into Chime repeatedly and each time they determined there was NO fraudulent activity seen. The detective has even determined it was a case of identity theft. When I requested documentation on their determination, I received an email with a statement from a XXXX at XXXX stating the cardholder was in the facility and made the purchase of {$170.00}. I called XXXX after reading said email and spoke with XXXX ( who is the store manager and has been for just over 3 years ) and she stated that there is not now nor has there been anyone working there by that name in the 3+ years she has been the manager there. Plus, since this purchase was done at a self-checkout they would not check ID to determine whether or not it was the cardholder. And to top it off, they need to follow a certain procedure and she would have been the one spoken to. I have forwarded to Chime the police report, the letter from Detective XXXX stating it was identity theft and the pics of the XXXX man who made the transactions, a copy of my photo ID with my full name visible, my log in info from work and the phone number/name associated with the call from the Chime representative that night. Chime keeps determining there was no fraud committed when I have sent all proof that it was not me.
05/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MO
  • 641XX
Web
On Saturday XX/XX/XXXX I was sent a text message by chime bank or XXXX XXXX which ever you want to call it and was asked if i approved a transaction for XXXX for a resumenow I told them no the transaction wasnt mine the said okay mo problem your card was locked anyway so no transactions went through, today XX/XX/XXXX I again had my account locked like usual so I needed to make a payment on my phone bill so I unlocked the card and made my payment my card was unlocked all of 2 seconds and that same transaction came through and was paid so I made my phone payment and called Chime customer service to see why was this transaction still being sent through when I already said it wasnt approved before so the rep proceeded to tell me that they didnt know why but because I called about the transaction they now needed to process a dispute and close down my card I told the representative that couldnt happen and shouldnt happen when you process a dispute thats not the way it should go especially since my card is back locked the representative proceeds to tell me that the transaction were recurring so it would be a good thing I told him no I couldnt I had to pay rent and thats all I have on my account he told me that I would be issued a temporary card I advised the representative that I couldnt use that card at the atm so why would I want that please just let me get my money off first at this point Im ready to close the whole account down so hes repeating his self Im so I asked for his supervisor who gets on the phone and tell me his name is XXXX I asked him the same about the transaction how was it able to be processed and why cant I expedite my card because theres funds in the account and I need to pay rent the rep claimed to not be able to expedite told me I needed to just wait the 7-10 days I told him he was being rude and I wanted to speak with someone else who wanted to help me he told me he wasnt worried about it stated that the card needed to be closed I have a credit card with them transfer my money to the credit card and use that I advised him that would mess with my payment history and credit score I wasnt doing that I asked for corporates number because the representative continued to be rude and talk over me very loudly told me to look on the website and find it myself advised that by law she asked it must be provided the customer refused asked for his name told me it was XXXX I asked for a real name customer lives over seas asked for real name representative asked actual name representative stated I was a racist and hung up on me I tried to call back the customer service number several times and was given the run around I received an email about an hit after the 3rd call for a supervisor the email stated both my credit card and my debit card had been closed due for o harassment of anything I was the one harassed I was told I was a racier by the representative told to go look for it when asked for corporates information and denied when asked for a supervisor I need help! I cant get my money for 30 days until they mail out a check the closed my credit card which will effect my credit and now when I call Im denied all help the last supervisor told me she needed to hang up on me for quality reasons like what does that even mean
08/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 75088
Web
On the night of Saturday XX/XX/XXXX at XXXX I received a charge on my chime debit card from XXXX in the amount of {$130.00} as well as a charge from XXXX in the amount of {$400.00}. I immediately knew someone got my card number so I transferred all of the funds in my account to my partner because I never made this charges! I contacted chime immediately by phone and they said I had to wait until the charges were posted to dispute them. They went ahead and canceled my current debit card and were issuing me a new debit card right away. On XX/XX/XXXX the two charges finally posted to my account so I called chime to dispute the charges by phone. I received an email back from chime the same day saying " 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 then was very frustrated at this point and called them about to submit a rebuttal and they said they would need additional information so I contacted XXXX Managed Payments team via phone and I spoke with XXXX which said my debit card was used on someone else 's XXXX account and the charge was not a purchase that I made on my personal XXXX account. They went ahead and emailed me this information ( attached ) and also stated that they will flag that XXXX account for fraud. I then contacted XXXX and spoke with XXXX who is the bookkeeper at the company. He said I am so sorry that happened to you give me the last four of your debit card and I will cancel the shipment and refund the money to you we have had this happen before to other people. I will email you once I look into this. He then emails me the following email ( attached ) The merchandise charged to your card has been picked up in our XXXX XXXX store. I will not be able to reverse the charge for you. I have attached a copy of the web order and it lists a name for local pickup. Also the merchandise is specific for XXXX XXXX XXXX XXXX XXXX. The school address is : XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX. I suggest that you contact the local police and/or the school directly. The email invoice even has the persons information who stole my debit card number and even used my old address as the billing address! I then submitted the rebuttal for the second time on XX/XX/XXXX with all of that information received from XXXX & XXXX XXXX and I received an email on XX/XX/XXXX saying We reopened your claim based on the additional information you provided. We have completed our investigation and have determined that the additional information you provided did not change our decision. We have concluded that no error occurred. We consider this matter closed. I then contacted my local police department to file a police report and they were very happy to see that I had the persons information who used my debit card. The police report ( attached ) was created and I called chime to submit my 3rd rebuttal and got this response denying my dispute on XX/XX/XXXX " We reopened your claim based on the additional information you provided. We have completed our investigation and have determined that the additional information you provided did not change our decision. We have concluded that no error occurred. We consider this matter closed ''
09/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IN
  • 47715
Web
I had a scammer make fake Chime XXXX page, I called the number on it thinking I was getting customer service on my lunch break because I went to get money from my account at ATM and it would only allow me to get XXXX, I needed to get out XXXX total so I was trying to call and request increase to my ATM daily withdrawal limit. The person who I spoke to sounded legit and he told me he could help, but for verification purposes I would need to download an app called XXXX XXXX, saying this was what they used to verify me. I stupidly did as requested, he asked me to move over my XXXX XXXX in Savings to checking so it could be account for told amount needed for limit increase, I should noticed that was weird, but I was on a time crunch and he knew it. He then asked me to go to " Pay Anyone '' tab on my Chime App, I did and he told me to click request money button. I said I am not wanting to send money, He said your not sending anything you are requesting to the number I give you a request for increase of limit to XXXX. I did this, it turns out the number was to a " XXXX XXXX. '' ( Chime has all this guys information ) And you can see in Memo it says " request increase to card limit XXXX ''. After I do that, then with remote app he took control of my phone and then requested all my money in my checking account XXXX. He then transfers XXXX from someone named " XXXX XXXX '' and put in memo " refund '', I am screaming at him to put my money back in my account, he then transfers the XXXX from my account to his account and disconnects the call. I shut off my phone, restart it, delete the XXXX XXXX XXXX and go back into my Chime app and try to get the money transferred back. It gives me a number to call, I call it, speak to a female rep who listens to me for XXXX minutes explain how I was scammed and she says she will put a dispute and I have to wait for 45 days for them to investigate, I ask for a manager, get a guy who repeats what she tells me and then 3 hours later I get email saying we have determined no error and you don't get your money back. I immediately go back online and speak to rep and demand an appeal, she puts in a rebuttal and tells me to send a detailed email of what happened. On XXXX I get email sending me copy of what they used to come to initial decision, it was a short list of questions asked to me by first rep and her one line answers, no details and she got some stuff wrong, on XX/XX/XXXX I get another almost identical email saying the reviewed their systems and didn't find any errors with their site so no error and they would still not refund me. I am on 2nd appeal, I called XXXX XXXX which Chime is partnered with and you can not get through, they just transfer you to Chime. I called XX/XX/XXXX and demanded to speak to upper management or someone in dispute department that keeps sending me determination emails and they give me XXXX in dispute dept, he just tells me he can resubmit rebuttal. I ask how are you determining off what document you provided no error, that I wasn't scammed and this is not fraud? HE tells me dispute dept. only sends out letters the investigation department reviews and then tells them what to say. HE couldn't let me talk to them, They have no apparent number or email address.
10/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10039
Web
On XX/XX/2023 at XXXX XXXX I went to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Contact phone number XXXX ext. XXXX. I spoke with a representative named XXXX who was the teller on staff that day. I asked if they could do a cash load of funds to my Chime account. She replied " yes. '' I gave her {$1000.00} to put on my Chime card and an additional {$4.00} which was deducted out of the {$10.00} I gave for the processing fee. ( SEE ATTACHED RECEIPT ) I left and went to get something to eat. Within less than 5 minuets, I checked my Chime account and couldn't understand why my funds was showing as pending, then I say where someone by the name XXXX XXXX minutes later once fund loaded at XXXXXXXX XXXX took my money {$1000.00} and {$40.00} more cash I put to the account. You could see where the money was deposited then pulled then put back in then pulled permanently out along with the {$40.00}. I went back to the check cashing please and snapped. I demanded my money back for I believed the worker along with someone else had stolen my money. I was told that my receipt was proof that they put the funds on the card. I contacted my mother and explained what was going and that I was furious. She advised me along with others to go to the police instead of going back to the check cashing place again, file a police report. I did file the police report the same day. I called chime and they advised that they would restrict the acount for any further access until the dispute was completed. Me and my mother both urgured furiously with Chime for they advised that they would put it into dispute for it appeared that whoever this XXXX is didn't do it along. There was another person involved and we were given an email address of the other party. Chime stated the transaction took place from out of the country. I was broke and really needed my funds back. Chime advised they would call me after two weeks and if the dispute was found in my favor that they would refund my money on XX/XX/2023. XX/XX/2023 came, me and my mother were very angry with Chime for we had not heard from them other than an email that the issue was still in dispute. The police XXXX XXXX advised that they have so many complaints against Chime complaint filed against theft and other issues with Chime. He advised they will not even speak with the police nor listen to them. This ended up going onto now, for Chime decided that they were not going to refund my money and kept my account restricted where I could not use, I didn't to anyway, but I want my money back. Chime told me and my mother that they could not advise nor had to explain why they were not given the money back to me. It is still ongoing and I still do not have my money back. They sent an email stating that I gave two people out of the country permission to take money. They way these criminals went about taking my money to Chime was legit and they were not going to do anything about it. ( emails between me, my mother, police and chime attached. ) Chime also advised the day of the incident to file a police report and send a copy to them and the receipts and anything obtained. Which I did all that they said do to get my funds back. To this day, I am still out of my funds.
11/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 78209
Web Older American
over a 4 month period my Chime prepaid credit card was fraudulenly being charged by XXXX XXXX and XXXX XXXX for subscriptions purchased by someone other than me and on a XXXX account other than mine as neither the charges nor the subscriptions showed up on my XXXX XXXX subscriptions or purchase history and only the transactions showed up in my XXXX purchase history but the actual subscriptions were absent in the XXXX subscriptions list which points to some highly suspicious, irregular, and i beleive fraudulent unauthorised transactions having such a fraudulent nature that even the worst fraud prevention software would never allowed through especially given the austier and unbending mature of XXXX XXXX subscription cancelation process that requires me to have access to these subscriptions in order to cancel them without which precluded me to stop the endless drain on my payment method even after i removed and canceled the payment method in my chime account and from XXXX they still resumed on the new temp card as well s the real card wich was a prepaid credit cared Chime provides all its customers as an added feature to boost credit scores. But once i removed the card from XXXX all evidence of those fraudulent charges were permanently erased from my XXXX account which precluded me from disputing the charges from that cardon XXXX. As I attempted to stop this fraudulent hemmorage of my very scarce resources i once again towards the end of the 4 month seige once again canceled and removed the next version of the payment method being painfully unaware of the of the process of he process that had the subsequent unauthorised charges irretrievably removed from my XXXX XXXX activity making it imossible to dispute the charges through the merchant represented by XXXX XXXX and XXXX. so i had to dispute them through the Chime account who is equally complicit of allowing such blatantly troubling if not fraudulent activity. For 4 months i disputed an redisputed the XXXX transactions totalling over {$300.00} that had amassed over the 4 month period. they gave the usual speak about it taking up to 90 days to recieve a decision but each time i would send documents they said were recieved but either werent or werent looked at they quickly within a days time would deny with no explanation. i felt like they were gaslighing me by denying me access to the actual person making these unconcionable decisions time after time. i had a previous dispute over a transaction that i had authorised but reported i beleived i was being scamed as i got no confirmation email and they not only gave me a immediate credit but it was resolved in a week and i provided no additional info and the documentation i sent Chime on this current dispute was so substantial and undeniable that it would have at least taken more than a week to go over sufficiently but they're decisions to deny came quicker and quiker while the the amaount of documentation they were acually able to recieve only increased. I dont know what kind of deal or candestined agreement these XXXX entities ( Chime, XXXX, XXXX ) have entered into and i dont care i just need my money back or my chances of survival will be deeply dimminished. What the XXXX is going on?
09/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NV
  • 890XX
Web
First, please forgive me for the delay in filing this complaint. I put a lot of time into trying to resolve this myself. When I couldnt it took me months to figure out and understand how to file a complaint. I have XXXX XXXX due to XXXX XXXX as well as many other affected abilities all of which slows me down. On XX/XX/ a debit for {$120.00} was cleared through my checking account with Chime Bank. I immediately notified them and they began an investigation. About a week or so later the charge again tried to go through my account but did not clear because had locked my card. Nearly every day I messaged Chime customer service regarding on going attempts from this merchant. I asked how I stop these charges which were not mine from coming through. At this point I have contacted the merchant who told me they showed no active account for me and were unsure of how charges were being made. I had canceled my debit card and ordered a new one as well. Chime told me they could completely block the merchant which I requested be done immediately. On XX/XX/XXXX another {$120.00} was debited by Chime for another charge from the same merchant. I again contacted them and they opened another dispute. I continued to receive notifications at least once a day about another charge from the same merchant being declined because I had locked my card and removed all funds from the account at this point. After several weeks of me begging them to help me stop these charges that continued to charge my account and being told several times that they blocked the merchant entirely, I received an email from Chime stating that the charges were not done in error but were mine. They stated if I had further information or proof to appeal. I then had another conversation with the merchant and provided screenshots the chat I had with the merchant in which their representative stated that the charges in question did not come from my account. The representative also emailed me this statement. I forwarded both to Chime who immediately denied my appeal and maintained that the charges were mine. I requested copies of whatever was used to make this determination and was told I would have then in 10 days. It took 3 or 4 requests and over a month for me to be given a document that is 80 % blacked out and shows absolutely no inclination of it being my charge. It has my name nowhere on it nor my address. The only thing I did recognize was my XXXX XXXX XXXX mothers first name. I know very well that she did not make these charges. The proof they provided me only shows that the charges were not mine. After all this, I received an email from Chime asking me if I wanted to unblock the merchant. In the middle of all this I also received emails for other account applicants regarding their application. For me to provide actual proof from the merchant that the charges are not mine and then Chime to insist they are and provide proof that does not contain any of my information is absolutely insane and I have no idea what to do about it. My account has stood in the negative since the debited my account over {$250.00}. If I had not removed my money I Chime would have continued to pay thus merchant despite my continued requests not too.
04/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 92154
Web Servicemember
Chime financial filed 3 unauthorized transaction disputes for me in the recent past and I received credit for all XXXX claims ( don't remember exactly how many unauthorized transactions that I had in total ). Going back through all the unauthorized transaction credits, I noticed I was still missing XXXX credits. I emailed chime support and told them about the XXXX others and asked them to add them again. I received an email from chime support the next day telling me they opened another claim ( claim # XXXX ). I had another {$2800.00} total in unauthorized transactions that has yet to be paid to me. Chime did not want to pay me back for the first three till I did a complaint with the CFPB and I thank you for all your help in getting part of my money back. but now I need help getting the rest. A few days ago I received another email from chime support that stated : Hi XXXX, Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Chime Checking Account will be closed on XX/XX/2023. Once your Chime Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2023 to the address we have on file for you. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX If this is not your correct address, please update the Personal Information section in your Chime Settings now. If this is not your current address, please notify us in writing at XXXX within 5 days of receiving this notification to make any necessary updates. If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed and any remaining balance will be aggregated with your Chime Checking Account balance prior to issuing a refund check. If you have direct deposits, ACH Debits, or recurring debit card payments, please notify the originators immediately to avoid disruption with your future deposits or payments. Direct deposits, ACH debits, and recurring debit card payments may be rejected after XX/XX/2023, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. Sincerely, The Chime Team So now I have no idea of what's going on with my 4th claim ( claim # above ). Chime had no right to close my account. I'm the victim here and I'm being treated as the guilty party. I sent several email 's to chime support to ask about why they closed my account and they tell me the above over and over without actually telling me the real reason. They state they can not tell me more. I need my money back from the other unauthorized transactions in which I did not authorize nor did I authorize another to use my XXXX Debit/ATM card. I also have been on Vacation in XXXX, XXXX ( out of country ) since last XXXX and haven't been able to talk to anyone in person. I've tried calling several times with no luck. The only contact with them has been via email minus getting lucky with the first claim that I filed. now when I call it says number is not in service when I try from a cell phone and I get a busy signal when I call from a land line.
08/01/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NV
  • 89434
Web
I have an account with Chime online bank. My account received XXXX direct deposits from Nevada XXXX : {$740.00} on XX/XX/XXXX, and {$13000.00} on XX/XX/XXXX. I was arrested and my probation revoked on XX/XX/XXXX. I remained incarcerated from that day until XX/XX/XXXX. My ex boyfriend hacked into my cash app account, which was connected to my Chime account via my Chime debit card, while I was incarcerated. He then transferred all the money out of my Chime account into my cash app account using the attached Chime debit card, and then transferred all the money from my cash app to his and a few other accounts. I did not authorize this, and I had no access to my account during my incarceration. I filed a police report with the XXXX XXXX, Nevada sheriff 's office upon discovering the fraudulent activity. I also filed a dispute with both Chime and cash app. Both institutions closed my dispute claims, despite documentation I provided them proving my incarceration, identity and the police report filed. There is no way I could have authorized these transactions from a prison cell. Chime refuses to credit the money transferred out of my account back into my account, though they are FDIC insured. The reasons they give are : XXXX. I didn't have my card when the transactions took place. XXXX. The cash app transactions were normal for my account. I did transfer money from my Chime account to my cash app account when I was not incarcerated, but never in those amounts or worth that frequency, and I couldn't do so while I was in jail. It is also not possible for me to have my card while in prison. My father tried to have them cancel my card while I was in prison, but Chime also refused that without a notarized Power of Attorney. The prison I was in did not have a notary. Chime would not accept penalty of perjury. The last 4 digits of the Chime debit card number that was used to transfer the money fraudulently to my cash app account are XXXX. My Chime account number is XXXX. The case number for the police report I filed is XXXX, XXXX XXXX XXXX Nevada sheriff 's office. The dispute ID for my Chime dispute is XXXX. ( They have closed this dispute XXXX times. ) I was incarcerated in the XXXX XXXX, Nevada jail from XX/XX/XXXX until XX/XX/XXXX. I was transferred to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Nevada on XX/XX/XXXX and was released on parole XX/XX/XXXX. The name of the man who hacked my accounts is XXXX XXXX. My current phone number is XXXX. My current email is XXXX The documentation I am sending include images of : The front and backs of both my state issued drivers license and my prison ID ; my booking and transfer paperwork from the XXXX XXXX jail ; my booking report from XXXX XXXX XXXX XXXX XXXX XXXX ; my release paperwork cover page from the date of my release from prison ; the business card of the deputy who took the police report I filed ; Bank statements from Chime indicating the deposits made into my Chime account that were stolen and the transfers out of my account to my cash app account and the transaction history from cash app that proves my Chime debit card was used to transfer money into my cash app and then transferred again to the account of XXXX XXXX.
11/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 14845
Web
My card is a prepaid credit card that is attached to my " bank account ''. I was going through mental health problems at this time and was taken advantage of. I allowed someone to use my card and they claimed to have lost it. When I went on my app, I had to do it from that persons phone because my phone had " gotten destroyed by water '' which is clear now that they did this on purpose, to cancel the card, the person who stole my card and claimed it was lost, looked over my shoulder to retrieve the log in information. Once I was logged in, the wrong card was cancelled. I stupidly allowed the person to help me cancel the card, and they canceled my actual bank card and not the credit card that was stolen and claimed to be lost. I then went into a XXXX XXXX XXXX XXXX and inpatient rehabilitation program. I went into the Hospital on the night of XXXX and it was not until I was on the phone with my Mother from the facility and I gave her my information to log into my bank to get funds because she had my daughter that I discovered my funds had been moved to my credit card and spent. I reported this to Chime and to the local police. My XXXXXXXX XXXX XXXX had to call for me because I was in a facility at the time. When I reported this to the police they told me once I was home they would come over, and they did, to take a statement, from there I made a police report and pressed charges. When I heard back from Chime they wrote me back and gave me reasons why they would not repay me the funds. I then wrote a request asking that this case be re-reviewed. I read the reasons sent forth about why Chime made the decision to not return to me my money that was stolen. One of the reasons that were given was because the money was spent in the area in which I live and another reason was because funds were moved from my savings to my Chime credit account. Well, as stated in my police report, which I have attached, my Chime card was stolen from me and the person accessed my bank account and moved funds from my savings account to my credit account, therefore the money would be spent in the area in which I live. I used someone's phone to access my account and cancel the card when the person said that they had lost my card however the wrong card was canceled, as stated, my spending card or bank card, not my Chime credit card was cancelled by mistake. I have attached documentation to show that this person was later, in my Chime account from their phone, and this is while I was in a facility and Hospital where cell phones are not allowed, therefore I wouldn't have had access to my account, and also it states the persons name who did all this was logged in from their phone. The facility that I was in while the funds were being spent, is in the state of PA, so I was not in the vicinity where the funds were spent, and have attached proof of this as well. XXXX stands form XXXX XXXX XXXX XXXX which is located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Attached I have my police report, a screen shot that this person was in my Chime account from their phone, and my admittance date to XXXX and University XXXX XXXX XXXX XXXX. Thank you for your time and consideration in the matter.
08/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 304XX
Web Servicemember
On XX/XX/2022, an unidentified male entered my home with out permission and stole numerous items. Electronics, personal files, my vehicle, and my purse. At the time I was staying next door at a family members home bc I was extremely ill XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. My spouse was working out of town and I need help eating, bathing, etc. During the evening hours of XX/XX/2022 about XXXX my home security cameras caught a male entering my home and exiting it XXXX mins later with my belongings. He proceeded to steal my car as well. On XX/XX/2022 @ XXXX pm, XXXX and XXXX pm XXXX, XXXX, XXXX was withdrawn at a gas station ATM a few XXXX from my home, later really morning of XX/XX/2022 @ XXXX, and XXXX at another has station ATM {$200.00} and {$200.00} was withdrawn and XXXX x XXXX was charged for withdrawing the funds at XXXX that same morning, finally at XXXX on XX/XX/2022, that night, a purchase was made at that same gas station for {$43.00}. Due to my illness it was 2 days before I realized what was happening. When I became aware of the burglary I immediately began contacting my banks and credit card companies to notify them if unauthorized charges stemming from this mans theft. Every one investigated and found the above information to be true. Everyone returned my funds with the exception of chime financial. I provided them with my XXXX timeline proving where I was at the time of the theft. I also provided a photo still taken from my home security footage, 1 letter from each of the business where my card was used for my bank as evidence. Each business owner prefer their own independent investigation and each found that the theft was no fault of mine. The man in my security cameras at home matched the man illegally withdrawing funds using my debit card. There were several charges. 1 in store, with card presented at check out to make a purchase, and 5 total ATM withdrawals between the 2 business. I uploaded the proof and sunny my dispute straight to chime. Within XXXX how my cousin was denied without even a proper investigation. The GPS/timeline information shower I never left my home. The camera footage shows the assalant clearly that's why I uploaded it as well, a detailed list of my whereabouts from my digital footprint on my XXXX timeline for the day before an after the unauthorized charges where made. WHEN MY CLAIM WAS IMMEDIATELY DENIED by come without any tell investigation, i reached out again to chime to file an appeal/rebuttal. I've asked 5 additional time and reach time my claim was immediately DENIED. Even though they have the undeniable proof from myself and the business owners that this was theft, chime still refuses to return the money. I need help. Upon doing a little research into chime and their track record where disputes are concerned it turns out that they never give in favor of their clients. I found over XXXX complaints exactly like mine where people have given endless and absolute proof and chime had continue to deny their dispute claims, appeals, and any rebuttals they filed. They just ended up losing their money. I can't to that I need my funds for my family. This was all we had left. In total {$960.00} was stolen. Please help.
12/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • SC
  • 29483
Web
Re : Chime ... ... '' Chime - Online Banking - Banking That Has Your Back '' Below is a copy of the dialogue between myself and Chime regarding their closing my account with no explanation. The closure notice stated I had violated policy. I don't believe I did. I set the account up with an initial deposit of around {$20.00}. The account stayed up and open until my first Employers Wages Direct Deposit was received by Chime. That was when they closed the account, locked my out of seeing any transaction history and refused to return the deposited funds. Since I can not access the account I can relay that my estimate is that there was over {$350.00} on deposits. Below is the email dialogue. You may want to start at the bottom and read up. XXXX : Account closed by you XXXX XXXX XXXX XX/XX/2022, XXXX XXXX to Chime Re : Account Closure " Error '' Going Forward, I read " Clause 10 : Amendment and Cancellation '' in the " Chime Deposit Account Agreement '' as you suggested. I also read " Clause XXXX : Account Holds, Suspensions, Restrictions, and Closure ''. Under it you give yourself the right to close an account " without notice '' if " You '' deem it. Under it you list four reasons for closing an account. The list is not comprehensive. The account was only opened about two weeks ago, but not funded with payroll deposit until XX/XX/2022. The only transactions I have used the debit card for were to make withdrawals. I don't recall using the card for any purchases. Being trained in XXXX activities I can't see where anything I did would violate the second reason. And, the last two reasons under clause 9 wouldn't seem to apply here as the account hasn't been active for over six days for any sort of legal notice to be submitted or given my transaction history in the short time frame to be suspect of some action that violates the Deposit Agreement. I would appreciate a " specific '' reason for the " closure '' of the checking account. Using the legaleze of the contract for the potential rationale that " may '' fall under the four reasons is vague. I suspect a judge would see that as well. Oh... .and yes as the contract stipulates, so will an arbitrator. Your manner and methods here are not very consumer friendly. I would actually prefer to remain a member. Since I know I didn't do anything wrong other than attempt to patronize your business ; I'd like an apology. For the time being, a " specific '' explanation is warranted. Regards, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/2022 at XXXX XXXX Subject : Re : Account closed by you To : Chime Member Services XXXX I sincerely hope your reference to a refund I related to any bank charges or fees for opening an account with your organization. If you are saying that you intend to keep my deposited funds, plan accordingly. I shall consider your actions as straight forward fraud. Unless my deposited funds are returned immediately you can count on being contacted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX END For you folks at CFPB, thank you so very much for any assistance you can bring. Regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
09/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • FL
  • 33613
Web
On XX/XX/2022 I received a deposit from my 401k to help cover past due bills, the next day I went online to pay my bills and also logged into Chime from my work computer and received error message call customer service. I call and the gentleman explained it was because of security reasons etc. he advised to send photo and mail. I sent requested info and received an email back asking for the same/similar information that was just sent. I resent 3 maybe 4x, W2- Tax forms submitted to the IRS XXXX address proof and ID front and back. I was told on XX/XX/2022 3 business days. Today is the 4th business day and no resolution, not even communication/ update on what is going on with my account, every customer service agent i spoke with confirmed docs submitted, they're waiting the department to review. I demanded the situation be escalated because I am not in any predicament to not have access to those funds or my regular deposits of my check which is tomorrow night which will be 6 days since the lock out of my account. Chime should be embarrassed their company gives minimal customer service assistance, their agents basically have no capabilities outside of what WE THE CONSUMER can do on the App apparently since no one can call/assist with follow up emails requesting EXPEDITED service. MOST communication, I have initiated which has my anxiety through the roof because NO ONE SEEMS TO CARE. per their FAQS someone should get back within 24hours. not true. I went on XXXX and XXXX XXXX reached out, generic response someone will reach out but NOPE, my boyfriend went on his to contact for me which i believe trigged another generic email requesting that I sent photo of myself holding my ID and PAPER WITH NAME AS REQUESTED, and i have today XX/XX/2022. AND STILL NOTHING, no follow up, no advising they have received. This inconvenience has started a chain of real life events for me something that should have been resolved that day per their FAQS EVERYTHING SEEMS SO SIMPLE. There should be some type of CIVIL RIGHTS AND/OR consumer negligence placed on this company i have children who didnt enjoy their weekend due to no money, ive had to pick up food from a church and in 34 years of my life.. I HAVE NEVER, I CANT EVEN GO GET A LOAN BECAUSE CHIME IS MY CHECKING AND SAVINGS CARD AND CAN NOT BE VERIFIED!!!! i am broke i have mentioned this countless times to chime reps over the recorded calls. I am not being heard obviously, 3 escalated sup calls i am not being informed if docs received unless i make the call or being informed with any updated. next will be the safety of me and my children if i dont get my money to pay my light bill. MISTREATED, EMBARRASSED AND DRAININED. i CAN NOT FOCUS AT WORK BECAUSE I DONT KNOW WHAT IS GOING ON WITH MY CHIME ACCOUNT OR ENOUGH TO EAT LUNCH! ALSO TRIED TO CALL CORPORATE ( XXXX ) XXXX TO COMPLAIN/GET A RESOLUTION HOPEFULLY XXXX AND PER RECORDING MY # ( IN WHICH DOES NOT WORK AT THE MOMENT ) IS NOT IN THE SYSTEM HOWEVER WHEN I CALL CUSTOMER SERVICE XXXX ( XXXX ) XXXX AND INPUT THE SAME NUMBER I AM LOCATED, DOESNT MAKE SENSE. I ASKED THE REPS AT CHIME TO ASSIST WITH THAT AND PER RESPONSE, EMAIL FOR ASSISTANCE ... WHAT KIND OF HELP IS THAT?
09/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NM
  • 877XX
Web
Chime Bank Dispute Claim XXXX Fraudulent charge on debit card ending XXXX ( now closed ) XXXX XXXX received message on mobile app of fraudulent charge XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/2022 for {$48.00} asking if it was me, replied no ; I turned off debit card ; I called Chime and reported the fraudulent charge XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/2022 and they stopped that charge ( second charge ) and a third charge. Chime said they could not stop the first charge XXXX XXXX XXXX pending for {$580.00}. Told me I had to wait for the charge to settle before I could file a dispute. There was no message from my mobile app for the first charge to XXXX. Chime email new debit card processing. XXXX XXXX XXXX XXXX pending charge for {$580.00} settled and posted. I called Chime and filed dispute claim. Chime email that the dispute was filed. XXXX XXXX Chime email provisional credit given XXXX XXXX Chime email saying they were making the provisional credit permanent. Chime email you received a merchant credit and a provisional credit so we reversed the provisional credit. I emailed dispute team I did not get a merchant credit. Chime email we can send you documents. XXXX XXXX Email to Chime Please call me XXXX XXXX Email to Chime Why am I getting no response XXXX XXXX Chime email You need to send info to rebut decision XXXX XXXX Email to Chime What info do you think I have that you don't have XXXX XXXX Called Chime and spoke to investigations. She agreed I did not get a credit from the merchant and said she was sending a note to the XXXX XXXX XXXX XXXX emailed dispute team about XXXX XXXX message from investigations XXXX XX/XX/2022 Called Chime and spoke to XXXX XXXX he said dispute denied. I said that was not true since the dispute says I got merchant credit that I never got. At my request XXXX transferred me to a manager. Talked to XXXX - Manager Dispute Team. XXXX reviews everything with me and finally agrees there was no merchant credit to my account and talks to the billing department. XXXX and billing department agrees no merchant credit went to my account. XXXX said he was sending and elevated dispute to the investigation team to process in 3 business days. XXXX XX/XX/2022 Called Chime and asked to talk with XXXX the Dispute Team Manager. Was transferred then talked to XXXX ( lady ) who says the Merchant ( XXXX ) did not credit to Chime for the fraudulent charge even though Chime had said they did earlier. And I asked her specifically that assuming XXXX did not credit Chime would Chime not credit my account for the fraudulent charge. XXXX said that Chime will not credit my account for the fraudulent charge. XXXX XXXX emailed merchant to verify they credited Chime. XXXX XXXX emailed Chime forwarding the message from the merchant that they accepted the chargeback from Chime XXXX XXXX emailed Chime Federal Trade Commission Electronic Funds Transfer Act ( EFTA ) states that if debit card is not lost or stolen I can't be held responsible for the fraudulent charge XXXX XXXX Absolutely no response from Chime. Called XXXX and was transferred back to Chime. There is no way to contact Chime Corporate Office. XXXX XXXX I Filed Complaint to CFPB
08/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MD
  • 20912
Web
I received 8 plus emails today from Chime.com today, XX/XX/XXXX. I do not have an account with Chime or Chime.com Nor does my spouse -- the emails sent to me used my spouses ' name, not my name. Nor do my teens have an account with Chime.com The emails to my email address all with a chime.com address started with an address to my spouse thanking me for opening an account. In the middle of the day I received a notice stating I had sent money to an individual with a name we do not know. ( I had not sent any money to anyone on any account, nor had any one else in my family ). A couple hours ago I received an email stating that my account had been switched to a new email address. Most of the emails referred me to the chime.com website if I suspected any suspicious activity or I wanted a change. To figure out what was taking place, I checked our bank accounts ( which, to repeat, none of which are connected to XXXX ) and I confirmed that no money has left our accounts. I looked online to see if there was such a thing as a chime.com and found that there was and found a phone number to call them here at this link https : //www.chime.com/about-us/ I called the following number listed on the above website link - XXXX ( Note - some of the emails sent by chime.com shared the same phone number. ) The call with XXXX from XXXX was very unsatisfactory. After I shared the above information and my email address, XXXX shared that there was an account set up using my email address. She also confirmed that the name on the account was not my name nor was it the name of my spouse or any other family member. She would not share what name was used on the account. I asked - " how is it possible for someone to set up an account using my email address without my permission? '' XXXX of Chime.com said she did not know how that was possible. I asked to please delete the account using my email address. XXXX of Chime.com said that they could do that and it would take up to 10 business days to stop emails coming from their various departments including their marketing department. I asked why it would take up to 10 days - that is a much longer timeframe than any other spam email I have experienced. XXXX was not able to tell me why. I asked to speak with someone who could answer the above questions and was told I needed to share the last 4 digits of my social security number and my email address again in order to do so. Given my skepticism of the Chime.com business practices and the emails I had already received I told them I was unwilling to give any more information. I received an email shortly after the call saying my account had been switched to a different email address. The email address was similar to my existing email address but also included some portions of a password that has been used by family members. I would like : 1. to stop receiving emails from chime or anyone associated with Chime 2. have confidence that Chime or anyone associated with Chime or attempting to defraud Chime can not access any of my accounts 3. to know that if someone calls Chime to lodge a complaint like mine that they will be removed from their list immediately.
10/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MI
  • 48238
Web
I was scammed by someone saying they were a landlord. There were XXXX different transactions sent out to $ XXXX A guy name " XXXX XXXX '' advised me to send him the money for an application fee and holding deposit for property on XXXX XXXX XXXX in XXXX Mi. I sent the first payment of XXXX dollars to him on XXXX shortly after viewing the home I sent another XXXX a little after XXXX XXXX for the partial payment of the deposit because I had to load the money on before I could pay the rest of the fee. He agreed to wait for the rest of the payment to be paid the next morning. I sent him my section XXXX packet for him to fill in and he still hasn't returned it claimed his system crashed. I made the payment on XXXX to him on XXXX at XXXX in the morning because the card would only let me transfer XXXX I had to load the rest and paid him the additional XXXX dollars for the full XXXX dollar deposit amount. I tried disputing it with the bank and they sent me a message today saying they wouldn't be crediting back the payment possibly because of the way that it was processed either way I ended up finding the house on a company site XXXX XXXX that stated the only post on their company site and XXXX but I applied to the property on XXXX and then again on their site when I realized I had been scammed I honestly believe whomever this person is may be apart of their company because after I scheduled to view a team member XXXX XXXX advised me to apply to the property but I had already done so. The next day he messaged me and said he had been trying to contact me I never received a text or a call from this guy only thru email the number he has listed goes to a non working voicemail ( XXXX ) XXXX I've tried dialing numerous times especially after being scammed I wanted to talk to a person no one ever called only wrote me thru a portal on findigs where I've screenshot the messages sent to me. After telling me to apply the next day the guy writes me and tells me that the property is no longer available after one of his colleges had already asked me for my documents. That I did send in and then shortly after he informed me that it was unavailable I get a message on the portal saying that it's because my voucher doesn't cover. Message below. Hello! Please be advised that the home you have applied for is covered by XXXX XXXXXXXX XXXX XXXX XXXX and the voucher you provided is for XXXX XXXX XXXX. Please either have your XXXX ported over to XXXX XXXXXXXX XXXX XXXX XXXX or please transfer your application to a home covered by XXXX XXXX XXXX. Please advise. Thank you! Which is not true. XXXX housing covers all of XXXX XXXX I informed them of this and haven't gotten a response since. At this point I want to assume the entire company is a fraud and that they are just stealing people 's money on different states. What property management company doesn't have direct contact I think what hurts the most is realizing that the house I thought I was holding never had a chance and that it was all a big scam from the start. Now I just need to figure out how to get the money back and get the person that did this off the streets so they can't do this to anyone else.
04/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OK
  • 73110
Web
On XX/XX/2023 I tried to mobile deposit my last check I received from my employer XXXX XXXX. When I was employed with XXXX my check was always direct deposited into my Chime checking account and there never was a problem with them accepting the direct deposit. I quit XXXX. and they mailed my last check which was {$840.00}. Since Chime is an online bank the only way to deposit this check is through mobile deposit. Before I mobile deposited the payroll check I checked Chimes terms to see how they wanted the check endorsed for mobile deposit. I also watched XXXX videos too and I endorsed my payroll check just as specified in Chimes website. I signed the back of the check and also wrote for deposit only on the back of the check. I took a picture of the front and back of the check and submitted to Chime for mobile deposit. Less than 5 minutes later I received an email from Chime stating the deposit was not accepted. Thinking I did something wrong I rereviewed the policy how to mobile deposit a check and I had everything correct so I resubmitted the check again and less than 5 minutes later I got the same response that the deposit wasnt accepted. I tried several times again and I got the same message over again. Frustrated with mobile deposit I found a phone number for Chime on XXXX. I called and spoke to a CSR and she told me that my check wasnt accepted because I tried to deposit it too many times. Not satisfied with her answer I asked to speak to a supervisor and she told me I tried to mobile deposit the check 7 times. I asked her how could you deny the mobile deposit from the same company that direct deposited in my account every 2 weeks. She had a scripted answer to my question. Frustrated with her scripted answer I asked to speak to a supervisor. I spoke to the supervisor and posed the same questions I asked the CSR and she told me I tried to mobile deposit the check too many times and not to submit it again. Considering I need to pay my rent and some other bills this check needs to be deposited and that answer is unacceptable. I suggested to the supervisor to call XXXXXXXX XXXX to verify that the check is valid and she flat out said no she wouldnt do it. By this time Im in tears because all shes doing is apologizing while saying theres nothing else she can do. Taking a shot in the dark I asked to speak to another supervisor and she put me in contact with another supervisor who was just as useless as the one I was talking too. Everything she said was just as scripted as the last supervisor but she threw in that it was the Federal Reserve who made up this policy. I asked could she send me a copy of this policy from the Federal Reserve and she told me to go to the Federal Reserve website to see this policy. I asked if this is a policy of the Federal Reserve why come this policy wasnt on the Chime website and she went around that question and really started lying. By this time Im hysterical because theres no way that I can deposit this check and no one including management from Chime was willing to help. Now I have a payroll check that I dont know how to deposit because Chime will not accept my mobile deposit. Please help!!!!!
04/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MO
  • 641XX
Web Servicemember
I went to XXXX XXXX XXXX for a XXXX XXXX XXXX on XX/XX/2022 the fee was {$30.00} ( doesnt go towards your service ). We discuss a quoted price of {$1100.00}, Hairstyle I wanted, how to maintain the hairstyle and the DOs & DONTs. The same day I sent her a {$200.00} deposit to order the hair & I booked for XX/XX/2022. XX/XX/2022 she contacted me stating she has to cancel because the hair isnt here, would I like a the {$200.00} refund or do my real hair for free. I told her I would like the {$200.00} refund & I will send it back once the hair comes. XX/XX/2022 she texted me stating the hair arrived so I got on her site to send her {$200.00} again once I get on her site I see she changed the prices to {$100.00} more & new appt is XX/XX/2022. XX/XX/2022 I get to my appt, bout half way doing of her doing my hair she tells me I dont have enough hair & I need to pay her {$200.00} more than quoted price plus the {$100.00} she went up. I told her thats not okay to do that to me when you already quoted me something else. So she gave me cheaper extensions called tape ins instead. When I was done I told her this is not the hairstyle I asked for but its okay. ( I have a picture of the hairstyle I asked for & I have a picture of my hairstyle what she did ) XX/XX/2022 they started coming out from my roots very painful. I contacted very nonchalantly she said well dont comb your hair because they can come out. I communicate with her many times everytime they come out the last straw was XX/XX/2022 XXXX getting ready to go out & 4 more comes out while Im curling so I sent her pictures & contact her about this because Im very upset at this point she never says sorry or try to fix anything. She tells me Im misunderstanding her she will put them back in at my tighten appt which is {$250.00} + {$30.00} deposit I already paid for XX/XX/2022. ( she wants me to pay for to fix her mistakes ) so I contacted my bank to dispute the charge as goods/services not as described Because this false advertisement I cant do any of things/ hairstyle she states on her XXXX & faulty services because I purchased the hair from she installed them & now they are coming with in the first two days. I provided proof of everything Im stating including pictures. She lied to them & said I had this style in for months & just now complaining about it. Which isnt not true they were installed XX/XX/XXXX the first day I texted her saying I had problems was XX/XX/XXXXXXXX XXXX two days later then XX/XX/XXXX a month & two days I have about 10 out in the first month. These are suppose to be in for 12 months with tightens every 3 months. Im suppose to be able to go swimming, take a shower, comb, brush, Wear ponytail or bun & curl I wasnt able to do anything of these things because they kept falling out from my roots which is very painful. I put in 3 claims for CHIME BANK to fix this and no one is helping me since Ive been scammed for false advertising. I spoke with 3 supervisor & 1 manager the manager was playing a video game while not helping & being rude then he hung up in my face. I absolutely can not get any type of help from chime bank. My next step is suing the hairstyle!
09/14/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • IL
  • 60419
Web
Hi, I am reaching out regarding the above account number. Chime Bank, has closed my account and refused to give a refund of the balance of the account. My SBA loan was deposited back on XX/XX/XXXX. On about XX/XX/XXXX they suspended the account without notice or an explanation why. After going back and forth for 2 weeks, they requested every single piece of my private data. I initially sent in my ID and SSN, but now have asked for more and its very concerning. I have not made not a single transaction. I never received any documents from them in the mail, not even a debit card. So there has not been any activity on the account. Then out of the blue, on XX/XX/XXXX, closed the account and told me Im not getting a refund. I hate I ever chose this institution to do business with and this is a total nightmare. They dont allow you to get anything resolved over the phone. The reps says just to email a support box and Ive now grown suspicious of their practices and dont feel comfortable sending anything additional. And after checking reviews online and social media, have noticed they have done this to numerous consumers unjustifiably. I called and emailed, emailed and called and no one seems to be ale to help me. All I get is scripted messages stating the same things over and over as opposed to someone directly addressing my concerns. Yet they only continue to give these same scripted responses. I need a real live person to communicate with. I only have ONE form of ID. There is no other government issued ID that any citizen is required to have. You all cant hold my funds simply because of this. I need to understand WHY the account was suspended. Exactly which part of the member agreement was violated? Please answer this question for me in your next response. There has not been one transaction made on this account. So what activity would justify suspending my account? I have submitted utility bill and ID as originally instructed. I have used the same documentation, along with tax returns to the US Government and has no issues, yet Chime has deemed it as unacceptable. I find that quite odd and outrageous to say the least. This is a very shady and deceptive business practice when a customer is trying to get an issue resolved. Were in the middle of a pandemic and to hold anyones funds without explanation is obsurd. I plan to take full legal action if you all can not get this resolved timely. Im still confused as to what activity or behavior would warrant closing my account. Again, I didnt make any transactions. I only had the SBA deposit. Was it closed because of this type of deposit or the amount? Also, what do I need to do so I can secure the funds. I am responsible for paying this loan back and its indefensible to be on the hook for repayment of money that I never had available to use. I already reached out to the SBA and they told me I need to resolve it with you all or take legal action because there isnt a way for them to have the money returned. The above statement in quotes is what I have sent to Chime, as well as XXXX XXXX, whom is believed to be the card issuer and FDIC insured institution. XXXX XXXX
01/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 14127
Web
On Thursday XX/XX/2022 around XXXX PM I received three emails from Chime " Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022. If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed. If you have direct deposits, ACH Debits, or recurring debit card payments, please notify the originators immediately to avoid disruption with your future deposits or payments. Direct deposits, ACH debits, and recurring debit card payments may be rejected after XX/XX/2022, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. Kind regards, The Chime Team '' I immediately sent an email at support@chime.com to get an explanation of why my accounts were close and how can I reinstate them. " Good Afternoon, I just received notification that my Chime accounts have been closed. I do not know why this is happening since I have money in those accounts. Please let me know how I can fix this. This is not ok. How do I get my accounts activated again? Best, XXXX XXXX '' Right away I received this automated message from chime, " This is an automated response to let you know your request has been received and is being reviewed by our Member Services team! To add additional comments, reply to this email. I am researching cases of this matter and found out that over XXXX cases were filed against chime due to immediate account closures. Also, the customer support team is refusing to let clients know the reasoning and according to their member agreement, can refuse refunds. Most of them came from deposits of stimulus checks. I filed taxes with my husband jointly and all of our stimulus payments went to another account and not with chime and the only direct deposit I have is through my work payroll and all were processed correctly in accordance with the membership agreement. Later that day around XXXX PM I received this message from the support team " After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies/ Kind Regards, XXXX | Chime Support. '' I then review the member agreement per the section referenced and they said that they have the right to refuse explanation and refunds. The money in the account is my money through a legitimate company and I do not know why I am in violation and why I can't have my funds. I documented the entire incident with current receipts to prove that there is no violation and I am happy to include them when necessary. I am entitled to my funds and I expect them to be sent to me. I've already set up another account with a different financial institution and I do not plan to continue my services with chime.
01/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • XXXXX
Web
Around XXXX XX/XX/XXXX, i opened a new Current account Chime account https : //www.chime.com/. I opened the account as it said my deposits were protected by the FDIC as indicated on its website till today " Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Members FDIC ''. About 2 days later, the account was opened and i was able to access it via the mobile app. The account number was XXXX and Routing number was XXXX. On XXXX XXXX, i wired {$200.00} into the account which was deposited successfully and verified via the mobile app. On XXXX XXXX, i wired {$1200.00} into the same account which was deposited successfully and verified via the mobile app, totaling {$1400.00} balance. No document was requested from me up to this point. On XXXX XX/XX/XXXX, i discovered my account had been closed. I reached out to Chime through phone ( XXXX ) and customer service email XXXX and XXXX detailing the issue. After several follow ups, i finally got the first reply from Chime saying " During routine security monitoring, we noticed unusual activity with your Chime account, and were reaching out to verify your identity. Your account is on hold until it can be verified. ". They asked for Photos of a valid, government-issued photo ID, such as a Drivers License or State ID card and photo of a secondary form of ID ( i.e., passport or signed Social Security card ) . In response, i provided my international passport data page as well as my green card ( I do not have a state ID ). My reply was never acknowledged. I followed up and on the XXXX XXXX, they replied with an automated email that asked for more documents : New photos of a valid, government-issued photo ID, such as a Drivers License or State ID card, photo of a secondary form of ID ( i.e., passport or signed Social Security card , Proof of address ( i.e., full page of a utility bill dated within the last 60 days ). Between the XXXX and XXXX XXXX, i called everyday spending about 45-1hr on the phone. They would " transfer you to support specialist '' from one person to the other. After about the 5th call, i realized what they were doing. They seem to have an internal system that cut the phone off if the call had been on for a certain number of minutes. So the agent 's purpose was to delay you until that time reached and you got cut off. Each time, i just got the same automated email asking for documents. I have sent more documents but the more i sent the more emails i got. I don't believe they look at those emails or interested in refunding my money. I eventually got exhausted and gave up. XXXX XXXX XX/XX/XXXX, I called again and they did exactly the same thing. They " checked '' for about 30 minutes and transfferred me to " an account specialist '' who was basically a restart of the whole process. They kept me on for about 15 mins and the call got cut off. Not sure what to do but it shouldn't be legal that a company would take money, add no value and keep it to themselves. Can you please help? I just need a check of {$1400.00} sent to the address on file on their record.
04/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • GA
  • 30309
Web
I received an email from Chime at " XXXX '' on XX/XX/2021 stating " Your Chime Visa Debit Card has been shipped to you. A bright green envelope should arrive in about a week. '' followed by a physical mailing address I have never been associatedwith. Tried to call Chime 's customer service at XXXX but could not get a live person. I then sent an email to their support stating that this is a fraudulentaccount and I never authorized opening it. Went through 2 or 3 form letters from the support team asking if I'm sure I never had a Chime account. Had to tell them multiple times that I have never heard of Chime before. The support team then replied that I will need to send a picture of my government ID and SSN card for them to close the account. This is absurd and unsafe for multiple reasons, a ) email not being a secure enough platform for this kind of communication, b ) I have not initiated a relationship with this banking institution and the onus is on them to make sure their accounts are valid, and c ) they clearlydid not take this deal of care or require this identityproof when they let a scammer open a fraudulent account with my information. I have asked to be connected with their fraud dept repeatedly but they refused to do so. At this point, on XX/XX/XXXX, they said they " blocked the account which will prevent the account from being accessed by an unauthorized party in the future. '' I asked for the account to be closed, again, as any user is " unauthorized '' since I never opened this account. I followed up on XX/XX/2021 and XX/XX/2021 but have not received an answer. On XX/XX/XXXX I received an email saying that the email address on my Chime account has been changed. I then received a text stating the same. I then again contacted the support, stating this is a fraudulent account and needs to be closed. Again, I went through 2-3 form letters asking if I ever had a Chime account. Then again, they asked for me to " verify my identity '' with a picture of my ID and SSN card and told they can not assist me if I don't send those documents. On XX/XX/2021 I was able to call their main line and actually get through to a live person. After repeating the same information, his " solution '' was for me to contact support via email, although I told him many many times I have done that already to no avail. He did not offer any other resolution. I explicitly told him there is a physical debit card going to an address that I have no association with, to which he said " well they'll need to deposit funds into it to use it. '' The irony that I had to explain data integrity to a representative of a banking institutionis not lost on me. At this point, there is a fraudulent account that Chime refused to close under my name. There is also a debit card that was sent to an address I have never resided in. Their stance remains that I have to provide them with copies of my ID and SSN card because " thisis done to prevent unauthorized third parties from being able to close legitimate members accounts '' although they did not do their due diligence in preventing an unauthorized party from opening an account under my name.
04/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • MA
  • 016XX
Web
I opened a XXXX XXXX XXXXXXXX Account with Chime on XX/XX/XXXX. This was in addition to the Checking and Savings Accounts I have with them. Every time I made a transaction, I would need to transfer money into the account first in order to use the account. On XX/XX/XXXX, deposits in the amount of {$190.00}, {$120.00}, were deposited from my Checking Account. On XX/XX/XXXX, {$60.00}, {$10.00}, and Cashback Rewards in the amount of {$2.00} were deposited. The charges were XX/XX/XXXX XXXX - - {$22.00}, - {$20.00}. On XX/XX/XXXX, - {$79.00} towards my classes, XXXX Convenience Store, XX/XX/XXXX - {$80.00} XXXX XXXX XXXX, - {$10.00} Convenience, XX/XX/XXXX - - {$11.00} Convenience. On XX/XX/XXXX - - {$11.00} Convenience, - {$110.00} XXXX XXXX XXXX ( Not Authorized ), - {$10.00} XXXX. On XX/XX/XXXX, I was charged {$110.00}! On the statement, it shows only the charges from XX/XX/XXXX and it only shows the deposits of {$120.00} and {$190.00} = {$320.00}! This is in the deposit account and was not reflected as my available balance! In XXXX, deposits were taken from my direct deposits and put into the deposit account for the XXXX XXXX XXXX Account, which was not authorized, in the amount ( according to their third statement for the same time ) + {$1300.00} ( {$320.00} + {$1000.00} ) and they charged the erroneous amount of XXXX which, as mentioned previously, I could not possibly owe. This continues into XXXX where {$1200.00} was charged for a secured account that I had to transfer money into for use. In XXXX, XXXX, it shows that the balance in the deposit account on XX/XX/XXXX was {$1200.00} ( should have been {$1300.00} ), plus an additional {$300.00} deposited. Then, they charged {$1200.00} ( that I did not owe ) with {$310.00} still in the deposit account. Their math is not even correct because it would have been {$300.00} that remained. So, the total I should not have been charged and is owed at this point is {$2900.00}. In XXXX, XXXX, a total of {$5000.00} was deposited into the deposit account without authorization, bringing the amount they owed at this point to {$8000.00}! I did not receive credit for refunds or errors/disputes they made either. This statement was changed multiple times and I have each statement. In XXXX, XXXX, I no longer was using this account and no new transactions took place. However, the statement claims that I spent {$1400.00}! The only activity that took place was my being refunded in the amount of {$980.00}, which should have actually been {$1200.00} for fraudulent XXXX charges which I won the dispute regarding. Furthermore, an additional {$1000.00} was charged to me on XX/XX/XXXX for a supposed balance of {$2300.00} ( on the third statement ). An additional {$76.00} was deposited into this account which is far less than what actually was and so that brings the total they owe to {$10000.00}! They charged me {$1400.00} on XX/XX/XXXX when absolutely no transactions were made. They went on to charge {$260.00} on XX/XX/XXXX when no transactions were made and {$59.00} on XX/XX/XXXX when again no transactions were made. {$10000.00} is the total they have fraudulently stolen from me.
03/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • PA
  • 165XX
Web
I initiated an external transfer from my XXXX XXXX bank account to Chime Bank on XX/XX/XXXX. That transfer was sent from XXXX and taken from my account on XX/XX/XXXX, which was the next business day. The amount of the transfer was {$2000.00} and as of XX/XX/XXXX that {$2000.00} can not be seen in my Chime account and no one at Chime can locate it. I know I did everything correctly because I linked the two banks using micro deposits from Widget that were used to verify the banks being linked. I have been in contact with Chime via email, using the messaging feature on their phone app and by phone. There have been over XXXX messages back and forth with email and the messaging feature and I have called at least 6 times on three different days. I keep getting mixed messages back from Chime. On some occasions they tell me they can not do anything because if it did not arrive in 3-5 business days it is the fault of XXXX XXXX. I also get messages saying they are still working on it. There is no consistency because almost every response is from a different person. My bank, XXXX XXXX, has also been trying to help and they are getting no where when they contact Chime. Widget has also provided me with all the documentation showing the transfer was sent. They said if it was rejected they would know. XXXX XXXX gave me a deposit trace #. This number should allow Chime to find out where the transfer is but I can not get to anyone at Chime that has the ability to use the trace # properly. From what I am figuring out when you call or email or message Chime you are just getting a call center because almost every reply I get is from a different representative. I even asked to speak to anyone in management when I was on the phone and they did not have the ability to get me anywhere. According to management at XXXX that trace # needs to get to their ACH or Transfer department and I have tried to tell these representatives at Chime this but when you get a different person responding every time it's hard to get follow through. I have looked all over the internet for ways to contact Chime but all you see is the same phone number and customer service email address. Their website lists their management team but no way to contact them. I even contacted XXXX XXXX, who partners with Chime providing their debit cards to consumers. They told me to send an email to their customer service department with the details and they would try to contact Chime. I did this XX/XX/XXXX but have yet to hear back from Stride. This {$2000.00} is a lot of money to me and Chime is just giving me the runaround. I should not have to do all this work as Chime should know the processes to take when someone says a transfer from another bank is missing. I am sure I am not the first person with this issue. The most frustrating part, as I have mentioned, is that I can not get a hold of anyone at Chime that seems to be in charge. I should not get a different representative with each response. I have a lot of documentation but it says here not to include personal information so I will wait to hear from you as to what you want me to send.
09/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33510
Web
I was XXXX in XXXX from XX/XX/XXXX through XX/XX/2023. During this time my Chime credit builder card was used to withdraw {$100.00} at an atm. Total charges I was charged was {$100.00}. I filed a dispute and provided Chime with documentation proving I could not have made this charge because I was in XXXX. Just over 2 hours after filing my claim I received an email stating after their investigation they decided that no error occured. I immediately requested copies of all information used for them to come to that decision. I received an email back from them the next morning with 1 screenshot of the information that was used to deny my claim. The only thing they used was the actual transaction of an atm withdrawal made on my account. All that did was prove a transaction was made. They did not use my written statement, nor did they use my evidence proving the dates I was detained therefore I could not have been the one who made the withdrawal. I requested a supervisor look over my dispute and appealed their decision. I then provided even more documentation from my case and the court process showing I wasn't released until XX/XX/XXXX. They emailed me stating the documents would be sent to the investigation department and would be looked at. The next morning ( today ) I received an email stating they found no error occured and " As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. '' Once again I have requested a copy of all the information that was actually used to come to this decision. I asked if they even read my statement or the letter from probation office verifying dates of my XXXX, or the file that was additionally sent from court transcript showing date of my XXXX, XXXX, and the date the case was dropped. Clearly they are only allowing a computer system to determine my claim. Their user agreement for the Chime Credit Builder card states " liability for unauthorized transactions that take place on the XXXX system is XXXX dollars ( {$0.00} ). We may require you to provide a written statement regarding claims of unauthorized transactions. This protection does not apply if we determine that you have been fraudulent or negligent in the handling of your Card. These provisions limiting your liability also do not apply to any credit transactions that are not processed by XXXX. See YOUR BILLING RIGHTS below for more information concerning your rights and our responsibilities under the Fair Credit Billing Act and your potential liability for transactions that are not covered by this section. '' Chime did not once say they find me to be negligent or fraudulent in the handling of my card. According to their agreement my dispute should be approved and the funds returned to me. Chime not accurately and thoroughly following through with considering all the information provided for my claim is victimizing me all over again. Because of the way my dispute was handled they are condoning theft from my account.
05/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • DE
  • 198XX
Web
On XX/XX/2022, my account funds were depleted due to 4 unauthorized transactions via XXXX ( time stamps show these transactions were initiated in 60 seconds ). As a result, my account was overdrawn. I called Chime as soon as I noted the activity and had my card cancelled and re-issued. I waited until activity posted to initiate a dispute. Meanwhile, same day I spoke with XXXX customer service who confirmed these transactions were not made under my XXXX account. At approximately XXXX on XX/XX/2022 I observed the charges had posted to the account and immediately contacted Chime to initiate the dispute process. Immediately following the call, I sent an email to Chime ( per the request of the dispute team ) with following details : Name, date and time of call with XXXX Screenshot taken of my account history with XXXX showing that there were no transactions initiated by me for the amounts of the activity in dispute. It's worth noting, that XXXX customer care was not available as my dispute was initiated outside of the merchant hours. To my dismay, at XXXX ( less than 2 hours later ) I received an email stating my dispute was being denied as they found no evidence of error. TAt XXXX I received notification that my claim was reopened after being in receipt of rebuttal documentation. I never sent further documentation. This suggests that Chime has an automated process in place to deny claims without investigation as my evidence was not taken into account before closing my claim. I was then advised via email sent at XXXX that per my request the claim was reopened and upon review, the decision to deny my claim would remain. AS of XXXX I received documentation from Chime in support of their decision to deny my claim. Their decision ( per the notification I received ) was made because of hte following : I had the card in my possession No lost/stolen items reported ( I '' m assuming like a wallet or purse ) I initiated a XXXX transfer not long before the activity. I've replied back explaining the transfer I initiated which was to cover what would have been insufficient funds for an AUTHORIZED transaction which still was returned unpaid as my account was depleted by the activity with XXXX. AS of writing this complaint, Chime has failed to comply with XXXX regulations, provided insufficient documentation. Clearly has an insufficient program in place to protect its customers. I will be contacting a lawyer to seek assistance in recovering my funds + legal fees against Chime. I've attempted to contact XXXX Bank ( with whom Chime partners with to provide these services ). Attempts to reach XXXX were unsuccessful as their phone menu redirects all Chime customers back to Chime. Further, the team handling disputes at Chime appears to be only in place to record the complaints but that investigations are conducted by a separate team with whom customers are NOT given the ability to communicate with outside of emails. Something must be done, XXXX should be held liable for facilitating a partnership with this company. Chime should be further scrutinized for misleading its customers.
09/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • PA
  • 152XX
Web
On XX/XX/2023, I received several emails from Chime regarding the opening of an account and welcoming me to the Chime Bank system. I have never had a Chime Bank account of any kind. I've also never made any request for one at any point. The first set of emails stated that I opened the checking account and that a debit card would be mailed to the address on file. The email did not state what the address was or if it was even my address The next set of emails stated that if I make certain deposits I would qualify for one of their promotional credit cards. So far, I have not found any activity showing a new credit card. I also received an email stating that I had a new login on the account. The Alert email did not show the device or the location of the device. Additionally, I received another email stating that there was a new phone number added to the account. The phone number was ( XXXX ) XXXX. I've made attempts to call this phone number to see if someone answers. This number goes straight to an automated voicemail. As I was busy on XX/XX/XXXX, I was not able to see the emails until XX/XX/2023. So, on XX/XX/XXXX, I call Chime to inform them that I did not open this account. After verifying my identity while on the call, their team decided to close the account. They sent me emails right after verifying that they closed the account. Chime created an internal ticket for this issue ( ticket # XXXX ). As I was on the call, I requested a report showing all activity associated with this fraudulent account, how Chime received my information, and any and all activity associated with my name and personal information. I also requested a written letter from Chime with the following statements included : 1 ) The fraudulent account was not mine ; 2 ) I am not liable for the account ; and 3 ) Any activity from any account ( s ) opened under my name will be removed from my credit report. They informed me to report this fraudulent activity to the FTC on identitytheft.gov and share the report number in order for me to receive that information. I filed that complaint and sent the report number back to Chime. All Chime stated was that the account was closed due to violations of their policies. I responded to them in stating that I was the one who informed them of the fraudulent activity that led to the closure of the that account. I also informed them of their own instructions which I followed, for me to receive the activity report. Chime gave me the same response regarding them closing the account due to violation of their policies. They did not provide me the report. I was originally concerned of whether this was just a fraud attempt by a bad actor or a set of bad actors. I've also had had concerns whether this was someone from Chime who created the account to pad internal numbers. I believed both angles need to be investigated, especially with the fact that my email was used. I asked Chime about this and informed them that I would report the Bank if they were uncooperative in providing information as to what transpired or the written statement. They did not respond to my requests.
03/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 864XX
Web
I would like to make a complaint against Chime bank who has frozen my account since XX/XX/XXXX. On XXXX XXXX I received an email from Chime stating that if I did not submit two forms of ID, social security card, driver 's license and proof of address, my account would be suspended due to suspicious activity, that being transferring money into my account. I am a US citizen that has recently returned here after living in XXXX for some years. The alleged suspicious activity was for me to transfer money from my account in XXXX to my account here. When I opened the account the customer service rep confirmed it was ok for me to do that and even suggested the company I could use ; XXXX I went ahead and took that advice and have been transferring my savings into my account here. Having already submitted most of the documents when I opened the account along with requesting documents through email rather than my online account, I thought the email might be a scam, so I contacted the bank to check. They confirmed for me that the request would have come from support at chime.com, and that otherwise it was a scam and dont answer it. The email I received did not come from support at chime.com and as a result, I did not submit any of my documents. Five days later, I went to the grocery store to find my card did not work. I also later attempted to make an online purchase and my card was declined. I called the bank over several days and was unable to connect using my phone. I even sent several emails with no response. Eventually I managed to get through on my computer, and was told that my account had in fact been suspended. It was confirmed that I was requested to submit documents to them so they could unlock my account. I did this straight away and was told it would take 24 to 48 hours to re-activate my account. 48 hours later my account was still frozen so I contacted them again using my computer. They told me that my documents had not been submitted and that the enquiry had been closed. I was then required to resend those documents which I did immediately. I waited on the line until the customer service rep confirmed they had received them. Again, I was told 24 to 48 hours later my account would be re-activated. Another 3 days later, my account is still frozen. I again called customer service using XXXX and was told they could not help me and did not have any contact details for anyone who could help me. The representative told me she could escalate my case and thats all she could do and I would just have to wait for a response. The rep told me that XXXX bank in South Dakota was the one that suspended my account. I contacted XXXX who confirmed that I do not have an account with them so they can not help me. They did forward my complaint on to Chime also, but another 24 hours later I still have not heard from Chime and my account is still frozen. So, as it stands now, I have been unable to access my money, purchase food or gas for the last 9 days and have been unable to speak to anyone who could actually give me an answer as to when I will be able to access my account.
11/18/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • NY
  • 10308
Web Older American
I opened up a Chime Bank account in XX/XX/2023. After opening the account and linking my XXXX XXXX account to the Chime account and transferring {$2000.00}, I was notified there was fraudulent activity. Chime Bank requested I uploaded my Identification Card and Social Security card along with the bank statement showing the transfer, which I provided. They closed the inquiry and my account was still locked to my access. I then had my daughter and myself call Chime Bank to resolve the issue, as I am hard of hearing my daughter helps me with these kinds of issues. We contacted Chime bank and my daughter was informed the documentation I had sent over was unclear or blurry, she asked if she could re-upload the information, they agreed and provided us with a new link to uploaded my Identification Card and Social Security Card front and back. I received a response e-mail inquiring about the Bank Statement from my XXXX XXXX Account showing the transfer of funds to Chime Bank, which was provided along with proof of address in the form of a property tax bill. After this was sent we received a response that the account number on my XXXX XXXX statement with my name and the transfer was incorrect, at this point my daughter wanted to call them and explain they had the account number wrong for the bank it was being transferred from, as it was similar numbers in a different order. We both called Chime bank once again and spoke with their call center, who when trying to explain the issue just had generic responses stating they understood the concern but couldn't do anything as far as my account. My daughter asked them to speak with their compliance department as she wanted to know how they could not see where the money was coming from in the account that they had locked me out of with {$2000.00} still in it. The customer service representative we spoke with said they would escalate the issue and a specialist department would reach out. I had no communication and received an e-mail they were closing the account and the inquiry once again. At this point I sent a lengthy e-mail about how this is not right and I had proved more than enough information to prove the account to be mine, and would file a complaint with the XXXX My daughter and myself called one last time, and my daughter pleaded to speak with a supervisor or manager that could look into the account, we were told everyone is in meetings and they do not know how to reach them, that we can only communicate through e-mail. I find this whole situation to be very unusual and borderline a scam. I've researched their other complaints which they have multiple of stating the same issue, large sum of money placed into what seems to be a 'Banking App ' just to be closed out of and ignored, or put through rigorous email chains with no solution. I just want access to my account and my {$2000.00} back, I am a XXXX XXXX XXXX XXXX living on Social Security and to lose {$2000.00} is not chunk change, it affects my monthly living expenses, and is causing financial hardship going back and forth with no positive end in site.
10/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 752XX
Web Servicemember
Hello I really hope you can help me. There was several transactions to my checking account which I didn't make. I contacted Chime bank ( my financial institution ) to get the problem resolved. The lady I spoke with at Chime, told me that she was going to have to make three claim because of the amount of unauthorized transactions made. She said it was Chimes policy. ( now I realize Chime does it on order to divide the incident to have reason to deny ). The three claims I speak of took place by the same person in the same time frame. The lady I'm speaking of name is XXXX and her husband name is XXXX. XXXX approached me saying the IRS has money to sort out and I might be approved of unclaimed funds. He said his wife should do the filing for me since she does income taxes for the IRS. Having done that. I Began to question her about the refund. She told me she wouldn't steal nor take advantage of me. Little did I know she was, by getting my personal info from Chime. She had Chime change all my personal info to reflect I was staying at the address she provided. She had my phone number changed as well as my email address. I was frustrated having found this out because Chime had a debit card mailed to her address which they should not have done. Chime would have their members verify themselves by sending a selfie holding driver license or ID holding an index card with name and the days date on it. Why Chime allowed this happen is senseless to me. Her coworker got in touch with me and told me what was happening. She advised me to Contact Chime and have them block the card. I also started the claim process. With this claim Chimes employee made three claims on the same ticket. Claim number XXXX, claim XXXX, claim XXXX. Chime approved claim XXXX which was {$2000.00} XXXXThey refuse to approve claim XXXX and claim XXXX. Their reasoning is " I didn't send them no new documentation " The documents I did send to them that they used to approve of claim XXXX is the same paperwork I got off my transactions history and messages from the lady that contacted me. ( I would like to send these to you ). I don't understand how are they allowed to do this. They are trying to make these separate incidents which they aren't separate incidents ( as you'll see when I send this to you. ) I also asked for the reason why and what they used to come to the conclusion. They never sent me documents so I could see why they would deny certain claims but approve some. Does not make any sense to me other than that claim XXXX is the lesser amount of the 3 which was {$2000.00} claim XXXX amount {$22000.00} claim XXXX {$2400.00} ( and something ). The lady that did this to me perpetrated a fraud. I trusted that she was a legitimate tax preparers. As soon as the IRS deposited {$31000.00} into my account she immediately started making withdrawals. ATM withdrawals, transferring money to her bank account XXXX XXXX and Bank XXXX XXXX also cash app transfers. I explained this to no avail. Now I come to you for help. After you review this hopefully you find the way to assist me In this.
12/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • XXXXX
Web Servicemember
On XX/XX/2022, while I was in XXXX, KS, I went to a gun show to look at guns and purchase some items to start my build I am building. Upon finding those items I proceeded to pay for those items so I needed to turn on my Chime debit card to make that transaction and it went through. After that transaction was made I forgot to turn off my card and not even XXXX minutes later I started to receive text messages from Chime bank saying my debit card was being used in Florida. So I go back into the Chime app and turn my card off and I received a call from someone that appeared to be from Chime fraud services. The man asked me to verify information and told me that the charges would reversed. Well turns out that only one charge of {$250.00} to XXXX was reversed. As I was headed back to Texas where I live at I decided to check my bank account and the amount went from {$700.00} down to - {$100.00}. All of my VA XXXX check that I get every month was completely gone. My VA XXXX check is {$2200.00} each month. Someone stole all of it leaving me with nothing to pay bills or get food for myself and my family. There are XXXX separate charges of {$250.00} at XXXX different XXXX locations in Florida. There is a charge for {$55.00} at a XXXX gas station in XXXX, FL. There is a charge for {$47.00} at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, FL. There is a charge for {$7.00} Star XXXX XXXX XXXX in XXXX XXXX XXXX, FL. There is a charge for {$9.00} at XXXX XXXX in XXXX XXXX XXXX, FL. All of these charges were made while I was in the state of Kansas. I have and also had possession of my debit card in question. I filed a dispute claim on all of those charges on Monday, XX/XX/2022, because Chime bank told me that they could not make a dispute claim on a pending transaction. So I called back Monday after I told them they had XXXX hours to get my money back. After I filed a dispute claim on those charges I receive an email the next day saying that they reversed one charge of the {$250.00} and denied all of the other charges I mentioned above in this report. I called Chime bank and asked them about why they denied the other charges and they said the charges were not made in error and if I wanted to open a rebuttal case I could. So I sent in a picture of me at the gun show along with a picture of me standing in front of a sign saying the name of the gun show on it. After spending about XXXX minutes on the phone with Chime I get frustrated with them and hung up on them. After about XXXX hours I receive XXXX separate emails saying that they closed my accounts due to activity on it that didn't adhere to their deposit terms and conditions. I have been getting deposits to that account from the same people for over 4 years. Those people are the VA XXXX. I called the XXXX XXXX XXXX, FL police department and filed a police report with them as well as contacting my local police department here in XXXX, TX. I have attached a copy of my bank statement showing the unauthorized charges on my account. The charge for XXXX XXXX XXXX for {$53.00} and the XXXX charge of {$21.00} was me.
05/05/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30236
Web
Good evening Madame or Sir, I'm submitting this complaint, not to cause any problems, but to possibly raise an elbow or 2 to get someone to take a look into what's really happening to everyday people like myself. On XX/XX/2021 ( Monday ), I go to work as usual, only to have my phone stolen, immediately after not locating it I go into a panic, from there I make preparations to getting another cellular device, long story short the next day I do so ( unfortunately purchase another phone ), now here 's where my nightmare begins!! Once I get myself situated from work about to start my night as a student, I chose to download the new app of Chime Bank to my new phone, all there is to do is sign in but I forgot my password, Great,, which isn't good but I haven't had any previous issues so I figure what the heck, I submit from the a request to reset my password! I'm thinking ok within a few minutes they should be able to send it through my email & I'll continue from there.. Oh no, cause I had to say after a certain amount of attempts why I'm still having trouble renewing my password, why I'm still having issues with this process, I get an email saying someone should be contacting me to help me with this process, I figure ok, I would get an email in no time & I can go my way! I decided to place my own call to see if I can check on the status because the email said I should upload my driver 's license, a second form of ID which was my S.S. # & proof of my address which I sent! XXXX, complete run around! I was told I still needed to upload another clearer form of my physical address because the original one I sent wasn't eligible, so I did, I emailed a letter I had received from the mail, from there you now have 3 formal pieces of identification!! From FridayXX/XX/XXXXto Saturday XXXX, still nothing, by Monday XXXX I'm livid, NO RESOLUTION, NO MONEY & still given the run around, CHIME claims they're backed by XXXX. & XXXX XXXX but the moment I tried to get a resolution from them to somehow, I was re-routed back to Chime Bank who's employees have no idea what it is to be on Californian soil, ask them what the area/ zip code is & you have to be told either they're not at liberty to say or to hold on for just a moment while they look it up!! Wow, are you kidding me?? Area codes as well as zip codes come right off the time of your head w/ out second guessing that!!! Longer story short, I've been told that emails were sent to me which I have no inclining about pertaining to my account addressing the issue, PLEASE.. what I don't have time to do is lie on anything or anyone! I told the so-called manager who was a waste of time speaking to over the phone that I would be filing a complaint against them, him being smart said I have every right to do so, which I told him I didn't need an approval from him but be advised as to you've been warned!! This as I've stated, has been my XXXX on this Earth & I need HELP ... I need access to my funds to continue paying my bills & if not close the account because at this point there's nothing left to do!
09/14/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • IL
  • 604XX
Web
Opened account - XX/XX/XXXX ACH Deposit - XX/XX/XXXX Suspended account - XX/XX/XXXX Closed account - XX/XX/XXXX Dates of attempts made to resolve issue with the company : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX This account had one deposit made via the SBA, which now I dont have access to and need to return back to them. The only action I ever took with this account was to update my phone number because initially the two step verification wasnt working but I was able to have that resolved with my mobile carrier. So the suspension of the account caught me completely off guard. I was adamant about not sending any documents via an unsecure email address. I value my privacy and my rights. Therefore I did refuse to send them the requested documents. Please keep in mind, this was prior to them closing the account and I made that clear. I would have no issue with it but they couldnt tell me why they were requesting this info or the reason for the account suspension. I believe it to be maniacal to demand something without providing adequate reasoning. I attempted calling but no one over the phone has any info and they say you must go through the chime support email. In doing so, I was told to refer to the member agreement. So I did, and I acted upon it. On XX/XX/XXXX, PRIOR to the closure of the account, i sent the following email : You all state the following in your member agreement also, which I have pasted below. You hide behind these clauses and unethical business practices so no formal action can be taken against you. Well the last part states, if you dont agree, do not use the account and get a refund. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD OR SPENDING ACCOUNT. XXXX CLOSE THE SPENDING ACCOUNT AND REQUEST A REFUND, IF APPLICABLE. I have not used the account. The card was never activated and no transactions were made. If you continue to make this a hassle for me as a consumer, I would like to close the account and have a check mailed to me at my address of choice so that I know I will receive MY money. The postal service has been horrid and unreliable in many areas across the nation in an attempt to suppress voter participation. My mail does not come consistently. I need resolution to this matter. I cant continue to have my funds held up by you all over frivolous nonsense. Please not that the paragraph in all caps is within the arbitration clause this company has within their member agreement. I copied it from their site. Therefore I feel since I had not used to card or the account as it states, let alone activate it or make any transactions, they have no right to withold the funds and invade my privacy. But they did not respond to this request, which was sent 3 times by the way. BUT on XX/XX/XXXX emailed me and said the account was closed and isnt eligible for a refund. Again, no details was provided on why this decision was made. And since then I have been fighting to recover what theyve basically stolen from me.
06/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OK
  • 73135
Web
On XXXX/XXXX/2023 I had two email notifications showing that my Chime Bank Account had my email and phone number changed without my permission/knowledge. My account was hacked. I called Chime an hour after I received these emails to reset my email, phone number, get a new debit card and access into my account again. My entire savings funds ( over {$6500.00} ) had been transferred to my checking account and there was a total of 8 unauthorized transactions that totaled to {$4300.00} that had been removed from my checking account. All the transactions were pending when I called to dispute, so I was told the transactions needed to either expire or settle with the merchant before any dispute could be filed. On XXXX/XXXX/2023 the transactions settled, so I called to file a dispute ( claim # XXXX ) and on the same day I received an email stating there was no error that occurred and the dispute would be closed. I called and asked for the documentation as to why this was denied, was told it would take 10 days to receive the denial information, and was asked if I wanted to re-file the dispute. I told Chime I did want to re-file the dispute, so a rebottled claim was made under XXXX. I was unable to see any open disputes on my Chime App so on XXXX/XXXX/2023 I called to see if there was actually a rebottled dispute in process since there was nothing showing on my end. I was told by a Chime member there was an open pending dispute for the rebottled claim and was asked to send all supporting documentation to help further prove my case. I sent three emails XXXX/XXXX/2023 all with documents showing my account was hacked, the 8 unauthorized charges, and any other information I had that I thought would further help this case. I never received any documentation as to why my claim was denied the 1st time within 10 days like I was promised by Chime. I called Chime and spoke with Chime Live Support almost every day to check on the status of my rebottled case to ensure multiple times this claim was being filed under Regulation E and to make sure they had received everything possible from me to help this case. I was told it was filed under Regulation E by multiple different support numbers, so I thought I was okay. This morning, XXXX/XXXX/2023 I received an email stating my rebottled case was denied. I called Chime again, asked for the denial documentation again and asked to speak with the Supervisor as well. A second rebottled case has been started ( XXXX ) but I do not trust this bank anymore and need further help. It's been almost a month now since my account was hacked and these unauthorized transactions have taken place with no result, no clear answers and no documentation as to why my dispute has been denied twice now. This was money I was saving for almost a year for my fiance and I 's wedding this coming XXXX. I am XXXX and at a loss for what to do or how to get this resolved, but desperate and willing to help in any way I can. Please let me know what I can do to further help my case so I can get my money back. Thank you.
07/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • PA
  • 162XX
Web Servicemember
I received this email from chime withno details of the transaction. They think they can just take people 's money. This is complete robbery and unprofessional. A class action lawsuit should be filed. Account On Hold HXXXX XXXX, Chime has identified unusual activity relating to your account ( s ). A hold has been placed on your account ( s ) until we can verify this activity. Please see below for further details and instructions on how to submit an appeal to this hold. What Happened During routine monitoring of accounts on Chimes platform, we identified some unusual activity regarding the amount and/or origin of certain funds which have been deposited to your Chime account. What We Did A hold has been placed on your account. How This Affects You This hold will remain in place until the origin of the funds deposited can be verified. Unfortunately, you will be unable to use your Chime Visa Debit card or sign in to your account on the Chime website or mobile app during this time. What Is Needed From You To submit an appeal to lift the hold on your account, please provide the following items for verification : Identity verification documents Your primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a copy of both the front and the back of your ID. Proof of Address ( such as a utility bill ) Written explanation Explanation for the origin and intended purpose of any cash funds recently deposited to your Chime Checking Account Explanation for the origin and intended purpose of any funds recently deposited to your Chime Checking Account via third-party cash transfer apps ( such as XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. ) Explanation for any other unusual deposits to your Chime Checking Account that you may have received As much documentation as is available and applicable to support your explanation Some items which may verify the origin of funds loaded to your account : Receipts, invoices, paystubs, work orders, bank/earning statements, etc. Some items which may verify the path of funds from their origin to your Chime account : Bank transfer statements, withdrawal statements, receipts for cashed checks, etc. Expected Timeline for Appeal Review of your appeal will typically be completed within two business days of receiving all verification items. An update will be provided on your account status once this review is complete. Please note : Additional items may be requested after initial review if your appeal does not sufficiently explain the unusual activity in question. The timeline is typically extended by one to two business days for each additional submission. How to Contact Us Please reply directly to this message and attach the requested items. All documents must be sent in JPG, JPEG, or PDF format ( we do not accept PNG or other document formats ). If you need clarification on the requested items above, or assistance in submitting your documents in the correct format, please let us know and we will be happy to assist you. Sincerely, The Chime Team
09/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • VA
  • 20111
Web
My account Has been suspended with this company for almost 60 days. Initially I was told No further action was required from me. But after several weeks Of not being able to access my account I called back to further inquire. They then told me that there was an unauthorized transfer reported to my account, meaning someone is reported they did lot authorize a transfer of funds to me so they suspended my account and I was told they have 45 days to make a decision. They would not release any information to me on Who or what reported anything on authorized. They would not give me any information at all and they put a hold on all my funds. They then told me I am required to verify all/every transfers I ever received in order to clear this error. They would not release any information on which particular transaction was said to be on authorized, or who made the false claim, in order for me to specifically verify that transaction. Which is not only ridiculous to ask but tedious. But nevertheless I complied and agreed to verify all transfers ever received in order to clear up this mistake. It has been well over the 45 day allotted time frame and I have yet to receive a reply and my account is still suspended and my funds are still being held. I called today to inquire and the manager I spoke with told me the only thing they can do is send another email to the support team who has no phone access. She is a member services and they have no way to make the support team update any tickets or request. she recognizes that I have sent in many escalation tickets and none of them have been responded to but I was told that this is the only thing she can do and she has no way to release my funds even though I have submitted all documentation. After further investigation on my part, I contacted every person who has ever transferred me funds and all have confirmed that none of them reported anything fraudulent or suspicious to chime bank. I went a step further and obtained documentation from each person who has ever sent me funds and they all say it was an authorized transfer. This prompted me to do more online investigating and I see that I am not the only one who has experience this same issue with Chime. They randomly suspend accounts By saying there was suspicious activity reported or you are in violation of a policy, without giving any actual policy/reasoning or proof of these claims. They then stop replying when you try to receive your money. Or tell you more information in needed AFTER they use their 45 days time frame, in order to restart the decision time frame. They will not return funds to sender, or banking entity, and refuse to send a check to the mailing address. Even If they wish to close the account I am still entitled to my funds legally received. At this point I feel this company is attempting to scam people out of their money in hopes they will give up trying. There has been a major increase of this activity by this company since the pandemic started and people have been receiving unemployment.
09/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OR
  • 974XX
Web
I received my direct deposit for my paycheck on XX/XX/XXXX and transferred cash over to my " XXXX XXXX '' account in order to pay bills and make some purchases. I do this because a credit card is supposed to have more protections. You have to transfer cash or " prepay '' over the credit builder in order to use it- like a prepaid credit card. I paid some bills, bought a couple things and then went to bed. I wake up at XXXX XXXX to see charge for " XXXX '' for {$450.00}. There was a " rejection '' of the charge email in my inbox as well. I canceled the card immediately by XXXX XXXX and then I clicked the " dispute '' for the transaction and submitted it with documentation. The thief/criminaXXXX also tried to charge {$450.00} a second time, then they tried {$220.00}, and then {$190.00}. The initial {$450.00} was the only one that cleared. A fraud alert was triggered and sent to me, but the {$450.00} was still cleared by my bank! I called Chime on Saturday to follow up with the report and spent 52 min 42 sec on the phone either on hold or being transferred around to different people and being read the same paragraph. They told me " the transaction must first clear '' before they can take any action. I called two more times for another 2+ hrs. in total and spoke with a " manager '' at one point that just kept repeating the same thing pre-written FAQ paragraphs from the website. They could do nothing until the charge cleared. I saw that the charge cleared on Sunday XX/XX/XXXX so I called them. They could do nothing. I called XXXX. I had made an XXXX account, but I hadn't accessed it since XX/XX/XXXX. I had no transactions and I had never uploaded a " payment method ''. I have the proof. I uploaded it to my dispute. XXXX could do nothing about the payment because credit card was used under someone else that they could give me access to. I received an email at XXXX am today XX/XX/XXXX saying " we've completed our investigation of your billing inquiry, and we've determined that no billing error occurred ''. Billing error!? I reported this as Credit Card Fraud! This is the first time I have ever reported fraud or made a " dispute '' for Chime. I will continue to make reports and try to get this money back that was stolen from me, but I now want Chime to be investigated and others to be safe from what I am having to deal with. {$450.00} of cash is huge for my family and I. Fraudulent Transaction : -Date of transaction : XX/XX/XXXX -Amount : {$450.00} XXXXDescription of Charge on the Account : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX by Chime : repeated phrases saying they " can do nothing ''. They did next to nothing. They said the fraud was legitimate. -Actions by Me : canceled my card immediately, filed dispute, uploaded proof, multiple calls to Chime XXXX hours of research, calls to XXXX to try to get them to cancel/reverse/flag as fraud/etc., documentation. This is my first experience reporting a fraudulent charge to Chime. I don't think I will be banking with them from here on out.
03/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • PA
  • 151XX
Web
On XXXX I filed a dispute report with beyond compelling information for an approval, the bank then closed my account and removed my access to in app help and account access. i then received a acceptance from the merchant and I notified chime representatives, they stated funds regarding dispute would still be handle efficiently and quickly despite account closing, through the course of weeks Ive been following up with both merchant and chime ( recorded calls ) to ensure success of the mailed checked totaling XXXX for this dispute mainly but any any other amounts because I dont know what the value was prior to closing in any of my accounts as the closing was immediately no warning, instant account ban and no information given on why when I consulted chime agents just general book read information was given. They have lied about dates, denied me assistance and service, neglected me on numerous occasions, lied about the status of the dispute one days its done one day its not when I call in, sometimes the reps just hang up with the up most disrespect. Unfortunately, Chime has not performed well and the service i received was inadequate because representatives arent knowledgeably equipped or cant see that information as stated by representatives on numerous occasions leaving me the customers with XXXXXXXX XXXX, elevated XXXX and XXXX, no resolution, clarification or effective helping explanation for the actual issue at hand regarding chime withholding money, and discrimination. I am disappointed because the amount of help I got as a customer being a member for so long vs now having my account closed, has been the complete opposite of care, or the sympathy I got before it is extremely unacceptable especially when the problem can be easily completed as the merchant has already accepted dispute I even stated this was a life or death situation to the representative on XX/XX/28 as chime abruptly ended account and made all funds inconsiderately unavailable as I can no longer survive due to all funds being tied in one account leading to deterioration of life and jump starting my XXXX including XXXX, my symptoms have gotten extremely bad since then and extremely heightened after calls of bad service with chime, chime is basically holding up the line because they can and I am not a member now and this is just completely unfair to me and causing a ripple effect of chaos and struggle in my life, physically and mentally. The longer this weighs on me the more mental problems arise making my condition worse. To resolve the problem, I would appreciate and encourage chime to collaborate on a unique resolution that can satisfy the customer and bring healing instead of inhumane robotic behavior and actually help get this already done chargeback ( on merchants end ) to be done on chimes end chime is simply holding up a line for a time sensitive situation because they can, its unfair and I just really want this dispute completed and processed on chimes end immediately as the merchant has already accepted.
01/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MO
  • 63017
Web
Friday, XX/XX/2021 four fraudulent transactions were made on my debit card with Chime bank. XXXXXXXX XXXX {$50.00}, XXXX {$56.00}, XXXX {$56.00}, and XXXX {$59.00}. These transactions were made at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I immediately called XXXX XXXX, and they could only provide me receipts on the transaction, and let me know to provide them to my bank for the dispute process. Immediately cancelled my card and called Chime. Chime stated the transactions have to be settled before I can file a dispute. XXXX other transaction attempts were made by the hacker to my card the weekend of XX/XX/XXXX, but they did not go through since I had cancelled my card. Once the transactions settled, I filed the dispute with Chime. They gave me a 10 day window to provide them with documentation or other information regarding the transactions. XXXX days after I filed the dispute, I received a notification stating Chime had denied my dispute and is closing the case. In those XXXX days, I did not have time to go to XXXX XXXX to pick up the receipts. I called Chime and requested a rebuttal and to reopen the case on XX/XX/2021. For this rebuttal I was able to provide the receipt documentation from XXXX XXXX to Chime. I did not hear back for almost two weeks, and I called Chime. They let me know the rebuttal was denied on XX/XX/XXXX again. They did not notify me in anyway about the status of my rebuttal and closed the case 3 days after I submitted my rebuttal with documentation of the purchases again. I requested once more to re-open the case, and requested Chime to contact me this time with any questions or if anymore information is needed. They requested I resend my documentation from the merchant, and there were no notes on my case from the dispute team that they had initially received my documents. I resent them my documents from XXXX XXXX again, and the service rep stated he will escalate this dispute request for me so that the team does not overlook my documents again. The receipts from XXXX XXXX show my card was swiped and show the incorrect expiration date for my card for all four transactions. It also shows the hacker bought small amount items, then took out {$50.00} dollars in cash back for each transaction. Chime emailed me a document stating their reasons for denying my dispute, and their reasoning does not align with the evidence I provided. I will attach both the receipts from XXXX XXXX and the Denial Documentation from Chime. Chime stated they believe my card was used in person at the XXXX and the chip was used. The receipts I provided state clearly for each transaction my card was swiped. They also failed to check the documentation showing the wrong expiration date was used for my card. They also did not take into consideration, my card had multiple denied transaction attempts and multiple merchants after I cancelled my card following the XXXX XXXX transactions. I believe Chime did not handle this dispute and investigation properly.
11/21/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IL
  • 60641
Web
I have been with chime bank for a while now and this past year has been awful. They refuse to respond to any support requests, i mean refuse. I have requests that are upwards of three months that have yet to be addressed and even a request to fix my personal information on my account that was incorrect that is over 7 months old and i have spoken with the 13 times and over 100 emails and nothing has been done about it. I also have submitted 3 seperate better business bureau complaints about these same issues and have only gotten one response from them and that response was literally a timeline of lies on their part. I sent the correct informtion to them and they never responded. But so far the issues beyond this are : 1. dispute in the amount of {$1200.00}, has been denied several times when they evidence shows that i paid and never received the product. Even have a letter from the company stating that they did not fulfill the order and had no plans on doing it in the future. And also would not give me a refund. That along with a police report, emails from comapny and even complaints from the XXXX, surgeon general and consumer advocates groups, all saying that the best way to solve the issue would be to dispute the charge. The bank has denied it 3 times now. 2. dispute in the amount of {$860.00} from when i was homebound during covid someone used my card online to book hotels and i disputed this charge, i included a police report and even contacted all of the hotels involved and the person booked the hotels online and checked in under a different name and the card was never used in person and they were all out of my state and during a time when i coudnt leave because i was in the hospital. athey still denied my dispute. 3. two seperate disputes filed in XXXX small ones for {$120.00} and one for {$24.00} and the comapny never even filed a dispiute or aknowledged my request after countless emails. 4. after 45 emails and numerous requests for the information they used in the disputes be sent to me i have received nothing. spoken to them so many times and everytime they tell me ten days and nothing shows up. every ten days i request it and nothing since XXXX. 5. There was an issue with them in XX/XX/2020 where they illegally froze my account and it was frozen for two weeks appoximataly and during that time they received a deposit to my account int he amount of {$1000.00} from the SBA ( small business administration ). The deposit never posted to my account and i have sent them over 100 emails and the sba over 250 emails about this issue and chime has never responded to a single email. 6. Their service onlie is always being interrupted and i am left without access to my funds during important times and nothing is ever done about it and noone is ever held responsible. I have tried so many options and they basically laugh in my face and tell me that theree is nothing i can do. You are my best shot here at fixing a terrible problem with a horrible bank. Please Help
11/20/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CO
  • 80909
Web
I notified Chime of some transactions that i never authorized on my account on XX/XX/2020 the same day I accessed my online Chime account and noticed the charges. I filled out the dispute form on the Chime ap and submitted it on XX/XX/2020. I received an email on XX/XX/2020 from chime informing me that their investigation found no error no credit would be issued and the claim was closed. The ldocument they provided me with the reason for the denial of my claim was full of errors and false assumptions that they used to deny my claim. These are exerts from the claim denial letter as well as my response to Chime. Based on our review, the member is disputing almost all of the transactions at the end of XXXX / early XXXX across 2 different disputes. On XX/XX/2020 in the middle ofthe disputed transactions timeline, the member transferred {$77.00} to their Chime XXXX post a {$770.00} funding event through 'Cdle ui benefits '. During this time the member would have had access to the account and seen the account balance. This indicates cardholder anticipated transactions and funded the account accordingly, and also that the cardholder had control of their account and up to date knowledge of their account spending balance. There would be no reason to fund and control an account that has been compromised. This first statement shows that Chime did not conduct a reasonable investigation. All of my deposits into my chime checking account are from direct deposit from " cdle pua benefits '' Since I opened my Chime account this has been the only way I have received deposits into this account. The fact that the person who denied my claim did not look into my account to see that all of the deposits ever made were from " cdle pua benefits '' and were direct deposit shows a that no time or concern was put into this investigation of my claim. Also Chime states that a transfer of {$77.00} from my checking into my savings proves that I had control of my account and up to date knowledge of my account spending. This statement again shows the lack of effort or concern that was put into this investigation. The transfer into my savings was initiated by Chime themselves, I did not login to my account and initiate any transfer or view mjy balance. Every deposit into my checking since I opene this chime account autmatically inititates a transfer into my savings of 10 % of the deposit amount as I am enrolled in the Chime program " save when I get paid ''. Every deposit into my chime account has been subject to the 10 % into my savings plan since I opened my chime account. How does my enrollment in Direct deposit and " save when I get paid '' both programs Chime encourages its members to participate in, suddenly give chime a reason to deny crediting my account for fruadulent charges that I reported the day I discovered them? I contacted chime and informed them of this error in their investigation but they have not acknowledged nor have they corrected their findings of this flawed investigation.
12/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 77073
Web
XXXX day, a friend sugested me to use Chime as my bank, it was easy to work with them and it woul help to improve my credit. It was a honeymoon for about XXXX years : money was " safe '' and my credit was fantastic! Suddenly, I got a notification about my card been used in Florida on line with a charge of {$3200.00}, and I denied, they cancelled my card and send me other one. From there, I guess I changed like 5 times my debit, and my credit cards, to the extreme that in some point in time, my online card did not match my physical card, or I got chargers with a card I did not had yet on my hands. But the worst was about to happen : last XXXX, siting in my desk computer, at home in XXXX, getting clear about some charges made in my Chime checking account, via chat with a representative from the bank ( no name ). Suddenly, a transfer from my savings account, {$550.00} was moved to my debit card account, and from there, ( I'm looking at the app in my phone at the same time I'm chatting with this person ) I saw several small drafts start appearing, from Chick-fil-A, XXXX every minute, others under door dash, all in GA, other charge was made in a movie theater in Florida, pizza place XXXX Papa XXXX in California XXXX XXXX total XXXX XXXX chargers to my debit cars, from XXXX pm to XXXX ... in the middle of all this madness, I asked them if we need to call the police, the answer of this person was " no, it's not necessary, we take care of this ... '' more coming and I ask to stop it, to cancel the card and deny all the expending, this person said that he can not do it nothing about it, and close the chat window. Inmediatelly, I tried to disconnect the card, I could not do it. I try to reconnect, nothing, I called, they let me on hold for about XXXX minutes ... no response. I was checking all the charges, and the total ammount of all those charges was the same ammount that was moved from my savings, to my checking account. After that, I went to different websites to place a complaint, nothing happened. I asked chime to dispute the charges, they did the investigation and said : " Nothing wrong, those charges were legit, and they did not accepted my demand of reopen the investigation, and finally, XXXX months of insisting, I was able to made an other complain, and before XXXX I had a No valid, and I can not try again. For good or bad, I have screenshots of the bank account, the dispute with the denial, and some information of some of the charges, XXXX from each company. ( I'm attaching the screnshots to this email ). My bank account was left with - {$40.00} ... anything solved? No, and I do believe they own me more than that money... I live scare to use any bank, because someone empty my account I got behind on my payments, getting me in a really bad situation, even, some payments programed were canceled ... it has been a very stressful situation. I hope this information help people, and think twice and research better about the bank the choose to work with.
03/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • ID
  • 83616
Web
I am writing this in regards to the identity theft and mass amounts of unauthorized transactions that took place on my account with Chime a financial institution under The XXXXXXXX XXXX, that took place on XX/XX/2023 beginning at XXXX when I received a notification stating there has been changes made to my account. I immediately contacted member services at precisely XXXXXXXX XXXX informing them I did not authorize this action. During my hour and forty five minute phone call I was transferred back and forth between multiple representatives meanwhile my account was being compromised with unauthorized transactions starting at XXXX and continuing until my accounts were empty. Totaling XXXX unauthorized transactions all paid out to 3 different aliases on XXXX XXXX resulting in a total loss of {$10000.00}. I filed the first dispute on XX/XX/XXXX which I was lead to believe was for the total amount much to my surprise when I called member services to check the status of my dispute and account on XXXX XXXX to find out that dispute number was only covering the first 15 unauthorized transactions totaling {$3300.00}. At this point I had to file 2 new disputes for the remaining charges. Only to receive a email notification on XX/XX/2023 stating after careful review of my account Chime had decided to end their relationship with me, and my account will be closed as of XXXX XXXX. I maintained contact for the next few days hoping to get a resolution before the closure but never received a direct response for what was going to happen to my disputes I filed for the unauthorized transactions in the amount of {$10000.00}. I then received notification on XXXX XXXX after the account was closed that my one of the three claims for the unauthorized transactions has been denied. Followed by an another message stating that the second of the three claims in fact was approved for the unauthorized transactions that took place during the call with Chimes member services department. The first claim that was denied was in the amount of {$6700.00} and the second claim Chime approved was for the amount of {$59.00}. That leaves the final claim for the remaining amount of {$3300.00} which I still have not received any updates or outcome on. How can Chime deny the majority of the fraudulent charges and only take responsibility for {$59.00}. Why was my I initial inquiry and disputes not all covered under the same claim number since the phone number used during these unauthorized transactions was the exact same phone number used in the unauthorized transactions in the claim for {$6700.00}. I never received a response on the third claim. Now being extremely disappointed in how Chime has wrongfully handled the situation against regulation E and ETF guidelines leaving me a single mom of two young boys in major distress due to financial fraud. I reached out to my local law enforcement creating a report on XX/XX/XXXX which then lead me now to seeking your help in resolving this matter.
11/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 90008
Web
On XX/XX/XXXX I was reviewing my bank statements from chime and I noticed that my card was used for multiple ATM withdrawals without my consent. The following transactions are were taken out of my account. XX/XX/XXXX {$160.00} was withdrawn XX/XX/XXXX {$200.00} was withdrawn from my account on XX/XX/XXXX {$260.00} was withdrawn from my account on XX/XX/XXXX {$200.00} was withdrawn from my account on XX/XX/XXXX {$300.00} was withdrawn from my account on XX/XX/XXXX XXXX was withdrawn from my account on XX/XX/XXXX XXXX was withdrawn from my account on XX/XX/XXXX {$83.00} was withdrawn from my account totaling in XXXX that was taken from me. After reviewing all of these transactions I immediately called chime to file a dispute. My first dispute filed with them was denied they told me that they need more supporting documents for my claim after speaking with them over the phone I sent them supporting documents letting them know the locations where the transaction occurred and how they were in multiple spots all around XXXX XXXX not near myself. Also how during the time I just started school so all my time was spent mainly on campus or at work. After I filed a rebuttal my claim was still denied after that I sense more documentations of my school schedule and my work schedule showing them that during the times of the transactions I was either at work or on campus at school. They still denied my claim even after I sent them the documentation that they were asking for. I then decided to ask them to send me their report over why they denied my claim after viewing the report I was able to see that the dispute team did not try to really look into my claim they said that I was using the card that I locked because fraudulent claims are found on it even though I was not using that card since it was locked. I have rebuttal them on their dispute review showing them how they did not handle the reviewing of my claim correctly and how they made multiple mistakes and they still denied my claim. After sending them so many supporting documents for my claim they still deny it at this point I can see there is nothing that I can do with chime for my claim and to get my money back. I explained to them how one of my cards was on my phone as a form of XXXX pay and how that phone was stolen yet this still does not matter to the company I've tried numerous of times to try to be patient and try to give them documents however everything I do just results in a denial of my claim. Lastly I was told that my claim would come to a final decision on XX/XX/XXXX I waited all day to see their decision however they never got in contact with me to let me know their decision. I had to get in contact with them to find out what their final decision was which makes me see that the dispute team of chime is not trying to diligently work on my claim since they forgot to make me aware of their decision. I have many more forms of documentation if any is needed please let me know and I can send more.
05/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CT
  • 064XX
Web
To whom it may concern : My complaint is with Chime Bank. I use this account for online gaming with XXXX. I received my first email from Chime Outreach on XX/XX/XXXX. They said routine monitoring required verification. The deposits from XXXX were flagged as suspicious. I sent the documents they asked for and called Customer Service to explain that I was online gaming and that if they just looked at my bank statements they would see that I pay into XXXX to play and they pay back my winnings. The agent I spoke to made a ticket on my account and said if I got any more emails to just respond and tell them it's just gaming and that they had already made a note of that on my account. I did so and they kept emailing. I answered every email and sent every document they have asked for. Copies of emails from XXXX, copies of all my transactions from XXXX, copies of my own bank statements showing my deposits TO XXXX, copies of my husband 's W2 from his employer, which is a paycheck we get direct deposited into this Chime account twice a month, copies of my ID, cable bills and tax forms with my address on them. I have never NOT responded and kept in constant contact. I received an email on XX/XX/XXXX asking for more documents and that I had XXXX business days to send them. Instead of XXXX business days, my account was suspended XXXX hours later. I asked for a phone call so that I could discuss this with an actual person. I never received any confirmation that any of those documents were ever received or reviewed by anyone. I only kept receiving the same repetitive emails over and over with no clarification about what to specifically do. Even then, I still ALWAYS responded. I called customer service and they told me there was nothing they could do. I have saved all our emails back and forth and also my XXXX recorded phone calls with Chime Customer Service. I have been met with resistance at every attempt to clear this up. Even when Chime sent me a link to upload more documents, the link said " You've reached your document upload limit '' and when I called to have that fixed, I was once again told they could not help. I have photos of this as well. All anyone would have to do to figure this out is just to look at my bank statement. It could not be more clear that I pay XXXX to play their games and they pay me my winnings back. It's all right there on my bank statement that they have had access to this whole time. I can not pay my bills, rent, or buy food for my family. We did not even receive my husband 's paycheck because of this suspension. We have a XXXX XXXX XXXX child and elderly parents who also rely on us. The reason I use XXXX in the first place is to help make extra money for my family. I have done some online research and have noticed this has happened to thousands of Chime customers, over the last several years. They have a record number of complaints and have been sued several times. I am getting no response and they have not fixed my account.
06/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10456
Web Older American, Servicemember
I am the victim of unauthorized purchases.! As of XX/XX/XXXX with a Chime Debit Card It was done in such a manner that i have no receipts and my checking account has only have {$20.00} First, let me start here, on XX/XX/XXXX I tried to log into my Chime account and was told to use the App. I have problems with the App as the last 2 times I placed my Chime Debit card on it, I was someone skimmed the code and password, and had 11 unauthorized purchases from XXXX XXXX XXXX XXXX XXXX I am a XXXX I do not have any use for the items. It does seem that it was some party from a XXXX XXXX, yet all the purchases were in California. All 12 unauthorized purchases totaled about {$2700.00}. I am trying to get more information, yet the Chime, / XXXX XXXX made a rash decision to reject my claim, and I want to file a new claim with Chime. I want to file this complaint as well for their lack of follow through and not even giving me a credit. I am in financial hardship because of this. In addition, Chime detected suspicious activity on XX/XX/XXXX and I had a Direct Deposit coming in from my employer XX/XX/XXXX. I had to provide a lot of information to get my account from suspension. Yet, my employer withheld my check and I had to apply for Direct deposit again. Then my employer, ( XXXX XXXX XXXX XXXX XXXX XXXX ) said Chime rejected the routing number and account number the first time and I had to do it again. I consider both instances poor customer service and follow-up. First I want and need a refund from the unauthorized purchases on Chime XXXX # XXXX XXXX XXXX XXXX. I need Chime to check the purchases on this new, but disabled card. I do not have the record to the recent unauthorized transactions, only a brief description on my online bank account. 11 of them from XXXX are unauthorized. Chime says I have to present more information, I was kind of hacked and have very little information. All i have is what is on my online banking account. But to Chime, that is not enough, and i am still out the money. All of the unauthorized purchases were made between XXXX and XXXX XXXX on XXXX. XX/XX/XXXX that XXXX. A record of this is on my checking account. I am in need of my funds back that would be fair, and a more through investigation from Chime Member services. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not all but most of them . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 336XX
Web
As today, XX/XX/XXXX, my neobank Chime in which ive had for over XXXX years sent me an email this morning stating the following : XXXX XXXX, Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/XXXX. Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( XXXX ) days of XX/XX/XXXX to the address we have on file for you. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX If this is not your current address, please notify us in writing at XXXX within 5 days of receiving this notification to make any necessary updates. If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed and any remaining balance will be aggregated with your Checking Account balance prior to issuing a refund check. If you have direct deposits, ACH Debits, or recurring debit card payments, please notify the originators immediately to avoid disruption with your future deposits or payments. Direct deposits, XXXX debits, and recurring debit card payments may be rejected after XX/XX/XXXX, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. Kind regards, The Chime Team This completely caught me by surprise. I have absolutely everything sourced from this bank. I pay all my bills, my direct deposit. Absolutely everything. The email message is extremely cryptic. No one from Chime will answer any questions and refuse to even talk to me. I have absolutely no idea what happened. I have lost access to all my money in that account, and i have no clue what to do. This is absolutely insane. I haven't done anything unethical or illegal. Im an office manager for a medical practice who works full time. Im amiss, completely perplexed. Whatever is going on, or whatever Chime thinks is going, is NOT. I deserve answers. I deserve to be heard. I do NOT deserve this type of erroneous banking decision to negatively affect my life when i have not done anything wrong. I want to my money and to understand what the XXXX transpired. This is wrong and they should not be able to get away with this. I need THE CFPB to step in and do something. Ive been googling what has happened to me, and its happening to alot of people. Its time the law got involved. Do i need to hire a lawyer. I have a great level of ambition for taking on social injustice, and i have no problem working with a lawyer to begin a class action lawsuit assuming one is warranted. I really think that the CFPB Needs to focus their attention on this banking institution. Something very unethical is going on at Chime, and it needs to be addressed immediately. Please i need your help. I honestly have no clue what is going on and i know i have done nothing to cause my account to close like this.
09/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 92563
Web Servicemember
Chime Account Verification Since this started on XX/XX/XXXX, I have lost my contract job because I had no gas to get there, kids were sick with XXXX and had XXXX and XXXX temps but had no gas to take them to Urgent Care and no money for a co-pay, missed a funeral of a friend, my son has been missing school because no gas to take him, XXXX XXXX in the house, and no diapers for my XXXX day of the XXXX I ughter! They asked me for a copy of my driver 's license to be sent in and a utility bill. I sent in a copy of my driver 's license front and back copy of my retired military ID front back copy of my benefits letter from the VA for verification purposes of the deposit That was made direct deposit by the Department XXXXf Veterans Affairs, and I sent them a utility bill. I didn't hear anything on XXXX XXXX so I called back and they told me that it couldn't be an XXXX format for the pictures they need to be in JPEGs, so I modified the picture quickly and sent that in immediately and they verify they received the pictures and the PDFs once again and said in 24 hours my account should be unlocked. Then I called back in 24 hours when it wasn't unlocked and they gave me another runaround connected me to the supervisor on duty and said another 24 hours. Then another 24 hours went by I called back and I sent them documents yet again, I also emailed the review team and the support team because that's who I told was handling it and I sent in the documents once again on the next day so that would've been the first second third and fourth I sent the documents, and then again on the seventh. Every day since the XXXX of XXXX I keep getting told that the account will be unlocked in 24 hours than other times until 24 to 48 hours and every time it's been by a supervisor. I've spoken to supervisors 12 total times because the first few days I was trying to call they told me that " there was no supervisor that they could transfer them to. They couldn't transfer to a supervisor to help me. '' They said they couldn't do anything on their end that I had to go through the review with the support team and they're the only ones that can handle anything with my account and there is no way to physically talk to them only email to which I emailed them and never got any replies except my case were being forwarded and it would be handled and taken care of promptly. The only direct apposite that hit my account was from the United States government department of Veterans Affairs for my XXXX XXXX XXXX check. No other checks no other deposits have been made to that account ever. I had signed up for Chime approximately 3 1/2 weeks before all this happened and we're just waiting for my direct deposit to hit since I get paid monthly, and I already sent in verification documents when I opened the account. As of today they still have not unlocked my account or kept me updated like I was told on they were going to per the last call 48 hours ago with a supervisor.
06/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • SC
  • 29609
Web Servicemember
On XXXX XXXX I was approved for an apartment in XXXX The pictures of the apartment listed on the internet were not the same as the unit that Id signed for. I drove from XXXX to XXXX XXXX and signed the lease upon arrival XXXX XXXX. I paid for first months rent and deposit as well as an additional month of rent. I wanted to pay the rent up so I could just be ahead of things. I didnt expect that once I got to my unit, it would be infested with roaches, dirty and not what was advertised! That night as I unpacked to shower, my friend at the time and I ( my toddler was with me as well ) were attacked by a male that was on bad drugs.. we slept inside of my rental that night up until XXXX I waited for the rental office to open up to let them know I wouldnt be staying there and to grab my refund. After speaking to the property manager XXXX XXXX, she finally agreed to refund me. She said that she would mail me my refund but I didnt have a place to stay at the moment so I had to wait until I arrived back to XXXX to have it sent to my friends residence. The check was initially supposed to be {$2700.00}. I received a letter in the mail from XXXX with the incorrect refund amount listed as what was owed. It was basically written document to show what she would pay to me. I emailed her again to get the update on where my money was at because she instructed me that it would be expedited overnight! That was a lie. This was XX/XX/XXXX XXXX. XX/XX/XXXX she responded with a message saying it was issued on the XXXX XXXX. Check # XXXX Amount {$2700.00} I never received this check! I never deposited this check with chime. I never cashed this check. CHIME is where I handled all of my money. On XXXX XXXX Chime sent me an email saying that the provisional credit would be taken from me. This led my account to be in the negatives to where I couldnt pay my car note, I couldnt feed myself nor my daughter. My car is repoed! Ive emailed them since this date with proof of me moving out on the XXXX XXXX XXXX and the emails between me and XXXX XXXX concerning my refund! I keep getting an email stating it takes 30 days to reinvestigate the matter. Its been over 30 days still no update and my money was stolen from me! I feel this is inhumane and unethical. Thats literally my hard earned money. As I open the chime app, theres not an active investigation going on either to check the disputes or reopened disputes.. but yet Ive received numerous emails saying that my case will be forwarded to the dispute team XXXX. I am extremely frustrated because I literally dont have a car anymore due to this discrepancy. Thats my money and the dragging feet to resolve it is frustrating. This con artist was able to take my money and I dont like how chime has handled it. This is not the first time my money has been snatched from me due to CHIMEs way of doing business.. I am now speaking up because almost {$3000.00} in the negatives is INSANE! When that is my MONEY.
08/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • WA
  • 98683
Web
On the XXXX of XX/XX/2023, I decided to move all my money of the sum of {$6600.00} from my checking account with XXXX XXXX XXXX ( which I opened while I was in XXXX school at Tennessee ) by initiating a ACH transfer to my Chime account to settle some emergency family needs. I initiated the transfer by connecting my XXXX XXXX XXXX checking account with my Chime account via the Chime app and I received a notification email acknowledging transfer initiated. Surprisingly, the following day XXXX of XX/XX/2023 I received an email of Account Closure Notification : Following a recent review of your Chime Checking Account, we have made the decision to close your account with Chime. Your account failed to comply with the terms of your Deposit Account Agreement, and we will close your account as a result. Your checking account will be closed on XX/XX/2023. Since then the ordeal began. I have made countless of calls to the support and directed to send emails to their review and support teams which I did numerous times. Oftentimes when I ask which part of the Deposit account agreement did I break, I get the generic response " For security reasons, Chime is unable to share more information about the account closure. We're also unable to review whether your account can be re-enabled or refunded until we receive valid documents verifying the deposits ''. I provided all the items they requested for verification listed below : photos of front and back of my driver 's license, photo of my social security card, Utility bill for proof of address, bank statement from the XXXX XXXX XXXX showing the transaction of transfer to Chime a proof I own the account, my workplace ( XXXX ) badge, written explanation about the origin of the deposit ( XXXX ) to verify that I am the intended recipient. After numerous calls with Chime customer support and getting response from a different agent of Chime member protection team almost every single time based on e-mail signature and many times being asked for the items I already provided, I still could not resolve the issue. On XXXX of XX/XX/2023 after XXXX months of back and forth communication, I got an email saying : " XXXX XXXX, Thank you for reaching out. I apologize for the inconvenience of this situation. After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. Please let us know if we can assist you further or give us a call at XXXX '' At this point, I want to believe Chime is fraudulent because I don't know how they will close my account and at the same time seize my legitimate money in it. If they say they can not verify the source, I think the right thing to do is to return the money to XXXX XXXX XXXX where the money was transferred from.
04/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 62025
Web
XXXX ish - Received a Chime XXXX XXXX XXXX in the mail that I never signed up for. XX/XX/26 - Tried calling the 800 number on their site but no options for fraud and impossible to get a live person. Only option was to email XXXX XX/XX/26 - Emailed them advising that I thought I was a victim of fraud. XX/XX/26 - Got an email from Chime support back saying, " This is an automated response to let you know your request has been received and is being reviewed by our Member Services team! ". XX/XX/26 - Got a second email with the following message, " XXXX XXXX, Thank you for reaching out and letting us know you believe a Chime account may have been created using your personal information. Chime takes reports of identity theft very seriously and we are happy to further investigate the matter for you. Please note : If you might have created an account in the past ( months or years ago ) and just need assistance regaining access to this account and just or need a card, please let us know and we can assist you with regaining access. It is not possible to open a second Chime account, delete your current account so a new account can be created, or change account numbers ( or create new ones ) once they have been set at enrollment. You can not re-enroll using a referral link if you have already enrolled without using a referral link. Please confirm whether you recall potentially creating this account or not. Once we have received a response. We will do our best to respond within 2 business days. Thanks, XXXX | Chime Member Services XX/XX/26 - I responded to that email with, " I did not open any account with Chime and would formally like to have this account frozen, eventually deleted and investigated for fraud. '' XX/XX/26 - Received this message back : Thanks for reaching out to Chime Member Services, this is XXXX! I'm sorry for the inconvenience but to best assist you and investigate further, please send us a picture of your valid government-issued ID and the last 4 digits of your Social Security Number. I would be happy to assist you further. I look forward to hearing from you. Thanks, XXXX | Chime Member Services XXXX - Finally got around to emailing them back and advised I was not comfortable giving a company that has already sent me a card that I suspect to be fraudulent anymore personal information. XXXX - They emailed back and advised to give them my name, last four of SSN, card number and account number. XXXX - Responded back with the above info. XXXX - They advised : Thank you for providing that information and letting us know you did not open this account. We have blocked the account, which will prevent the account from being accessed by an unauthorized party in the future. Please note, we have escalated this issue to a specialized team for further review. They will reach out with an update within 24 hours. XXXX - I emailed back and advised I wanted the account closed immediately.
08/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 90012
Web
Held over XXXX dollars and after XXXX day mailed me a check for XXXX or less. In XX/XX/2022 Chime decided to close my XXXX accounts by notifying with an email only I contacted Chime several time via the phone and email. Because this was a huge surprise to me, I was told I had violated a policy or something, but they would never tell me why as did several other people at chime. Chime also held all of my money for XXXX plus days and still wouldnt tell me why my accounts were closed and felt very victimized by thisI had not money to pay bills, or a checking account, But chime did not care nor were they being accountable to why they felt their actions were just.. I also still do not have access to any of my past records with Chime, which I needed for tax purposes, but Chime feels that they have rights over my records, and do not have to give them to me. It has been almost a year and I still do not know what violation I supposedly violated to justify closing my account or access to past records on the accounts. I want to know what violation and proof that I violated it. If in fact, I am fairly confident that I have not violated any policy, which I am almost XXXX percent sure I have notthat any and all negative reporting to agencies that Chime report this negative info too be completely removed! I also want to know why and I want access to ALL my pass records on the XXXX accounts. I would like to know what would be an the explanation for holding all my money for XXXX days while knowing it was causing me major problems and affected me negatively in many ways and what would be an appropriate compensation for the banks lapse in regulationsand violated, which is public info regarding chime losing a legal law suit for just these same things you did to me, but after Chime lost. everyone knows XXXX was being sued at the time for illegally closing peoples accounts and holding funds of customers, for whatever reason and was found to be at fault for these same or similar issues. My accounts was handle in the exact same way that Chime just lost a law suit to, AFTER.So, I would like all my questions answered please, and resolved. Respectfully I sent this email today : I would like to know why you closed my account XX/XX/2022, when I asked back then I told i violated some policy, but NO ONE could tell me what that was, as well as, Chime didnt have to tell me. So again, legally I also want to know why I still do not have access to any of my past records, and why my accounts were closed without any proper notice or explanation.and then held my month for 30 days before you released it!?!? legally I have every right to my records, as well as XXXX should have access to my pass payment history of the credit boost. So what are you going to do to rectify thisI am now fully ready to move forward with XXXX to take legal action against Chime, for not following anyCFPB regulations. I have filed a complaint with the CFPB. Respectfully,
05/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TN
  • 374XX
Web
I have my XXXX benefits direct deposited to chime when these fraudulent charges began I had only had chime for about 2 months. XX/XX/2023 I got XXXX for violating my XXXX XXXX in XXXX XXXX ga. The pulled my time on my XXXX which means I was to stay in XXXX XXXX XXXX XXXX was over. And I would be done with probation. I was released on XX/XX/XXXX .. when. U are sentenced to time more than a month the XXXX asks for your personal property to be released I'm guessing. So that they are not responsible for it. To release everything except. The clothes worn in when arrested. My friend and neighbor next. Door picked upy property. She took my purse cell phone jewelry. Everything I had but clothes to my home. Who I share with. A roommate. She put my belongings in my bedroom .which I have a lock on my door. So all these months by and I'm proud to know that. My benefits have been accruing and I will have a good bit tof money saved up. Made plans to myself to get my license back something I couldn't. Do with receiving my money just monthly but my card not being touched for. 5 months I can now finally get legal when I got home. Got to my phone to get to app use money. My balance was XXXX. Savings. XXXX. How could this be. I then started digging on transactions and activity from XXXX to XXXX and found money transfer 's atm withdrawal s. Transactions for the entire time of my XXXX XXXX. Up. U til the very same day I came home transfers to a person that I knew. Trusted. Supsed to be my friend I allowed him to come help with my dog from time to time while I was gone. Of coarse when I confronted him. He denied it. I called the police to come out. To report it. I called chime. Filed claims for every transaction and any activity to occured from XX/XX/XXXX to XX/XX/XXXX to being fraudulent and unauthorized transaction and charges... I sent chime this. Including a document from the XXXX XXXXXXXX sheriff 's office staying my dates in. XXXX XXXX XXXX XXXX XXXX. Chime left me feeling like I had nothing to worry about. They have done nothing but close my account. My app was locked I couldn't get into it to show the fraud detectives the charges and transfers noonw from there. Has given me any explanation to why denial or for closed acct. Infact. Say I am to pay them back. The money I claimed and disputed. I have a mountain of emails back and forth and still I don't know anything except. I was denied and I owe themu own money that I never. Received that was stolen from me. I need help I need my money I am reaching out to whoever can plz. Help me. I have done and will do whatever I need to get this resolved and refunded. Because. I was I XXXX and believing what was the furthest from the reality of what's happening to me. It was hard enough. XXXX XXXX XXXX XXXX XXXX XXXX XXXX but to come home to getting robbed of al I had. My water is bout to be off. My power too. I HABE no way to pay for anything groceries nothing plz help me
02/18/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WI
  • 53212
Web
I Have XXXX disputes open with chime on for a cancelled transaction with it works for {$120.00} and another for a merchandise not as described from finish line for {$160.00}. They denied my dispute # XXXX XXXX XXXX ) via email and stated I need to email them request for documents to support denial, which I did, and have still not received reason for denial. I then received a denial for claim # XXXX XXXX XXXX XXXX on XX/XX/XXXX. I called to speak with a supervisor who advised me they can not provide a denial reason and I have to wait 10 days for them to send me an email with the denial docs. Keep in mind this claim was mishandled from the start when I first sent to dispute form over on XX/XX/XXXX. Initially chime disputed the wrong transaction. Instead of disputing {$160.00} from finishline on XX/XX/XXXX, the disputed {$79.00} from XXXX XXXX. No one called to notify me of this error. My daugther 's school account was locked due to non payment and I called them for more information on XX/XX/XXXX. They advised me I dispute my daughter 's tuition payment and thus they sent the payment back on XXXX. I then called chime and was advised they would cancel the dispute, but the {$79.00} from accelus never posted to my account and I should contact XXXX to find out why. Prior to finding out chime disputed the wrong transaction, I did receive a new dispute form on XX/XX/XXXX, but when I called chime to ask why I received it, I was told by the representative that it was sent in error, please disregard. When I called back to advise that the accellus transaction should not have been disputed, I was told to send the new dispute form to start the dispute that should have been started XX/XX/XXXX, and they would close the credit builder card and put a block on my account so itworks could not keep trying to process the XXXX automatic debit. needless to say they cancelled my card to my checking account instead of the credit builder card and I am still getting notices of itworks trying to debit my account. I then received another denial for the XXXX dispute stating my dispute for unauthorized transaction has been denied. I immediately called and advised I did not dispute as unauthorized, I disputed it as merchandise not as described. The rep advised he would reopen dispute and try to cancel closing of my card. He said the case would be re-examined as merchandise not as described. I received a denial on XX/XX/XXXX for this claim again, which is how we ended up here. I feel like this claim has been mishandled from the beginning. I have never been told that a bank could not provide me a reason for my claim being denied. I also still have not received credit to my account from accellus for the {$79.00} disputed in error. I would like this matter reviewed as I am starting to wonder if this is even a valid banking institution based off of the way they do business. Did they receive the credit from XXXX and take my credit?
12/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • GA
  • 30306
Web
I started a checking account with Chime, in late XX/XX/2023. I also opted for the Credit Builder secured credit card to start helping my XXXX score. The company I work for, XXXX, offers direct deposit, to be set-up in Workday, for paperless payroll and convenience. I selected and entered my Chime checking account as the elective account to receive the payroll, which is bi-weekly, on XXXX. My first two paychecks went through, no issues, to my checking account. The third pay date, XX/XX/2023, was deposited to the Credit Builder account, which I never designated or chose as a payroll election. The full amount, {$3100.00}, was deposited to Credit Builder. Now, if there was fine print that stated the Credit Builder account would be taking anything from my payroll, I never would have signed up for any product from Chime. I never saw or was able to review any language over this " option. '' I thought the action was severely wrong and immediately shut the Credit Builder down, through a Chime representative by chat, on XX/XX/2023. Payroll does come early with Chime, hence the XXXX date before the actual XXXX pay advice date. I noticed that as I checked to transfer funds back to checking before the closure of the Credit Builder account that this option was unavailable. My payroll was literally " trapped '' in the Credit Builder account, and the only access I would have would be through the credit card. The chat agent also never told me that once I closed the account, there would be a check mailed within 30 days with any funds in the closed Credit Builder account. This actually could be longer because there is a 14-day period to clear all transactions. Why would I ever knowingly let this happen? I NEVER WOULD, NOR WOULD I AGREE TO THIS FINANNCIAL SETUP. Also, I now have zero access to my payroll, which means missed car payments, missed utility and cell phone payments, late rent payments, and so on and so on. The repercussions of this action are endless. I finally have gotten in touch with several supervisors that have " stated '' they can expedite the return funds check, yet I have zero follow-up from these interactions. This has been after every interaction, usually by chat since XX/XX/XXXX up to today, has been fruitless. They repeat themselves constantly and actually write, " don't worry, we love our customers. '' Its almost insulting to get that type of response. Each rep says they have to email someone to get this done. Who that someone is, I have no idea. I have been going through this now for eight days, with zero resolution. This is shameful upon any company and if any accounts are ever closed with remaining funds, a transfer or smoother option should be available, not a 30-day waiting and mailing period, essentially trapping all of my payroll or anything else that would have been in the account. I hope this gets a lot of attention, because the process is entirely wrong on Chime 's behalf.
04/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 48207
Web
I Contacted Chime Bank on XX/XX/2023 after I noticed 3 charges in my transactions that I did not initiate or authorize. I informed Chime that I did not recognize or authorize these transactions and also informed that I had misplaced my card at some point. I reported the three transactions for dispute and cancelled my debit card, then ordered a new one. Chime informed me that they would investigate the matter and I was eligible to receive a provisional credit and would by XX/XX/2023 if they were unable to resolve the dispute. I then received an email on XX/XX/2023, informing me that Chime concluded no error had been made and the claim was denied. I would also be able to request the documentation Chime used to determine this outcome. I requested the documentation and was informed that I would receive the documentation within 10 business days. I still have not received the documentation! After the initial claim was denied, I reached out to one of the vendors in regards to the charges. I informed the vendor that I did not authorize the charges and would like a refund. The vendor apologized and then informed me that I would need to contact my bank for a refund. I took screenshots of the chat transcript and contacted Chime. On XX/XX/2023 Chime bank informed me that I could submit a rebuttal for the denied claim and email any supporting documentation. I emailed Chime and attached the screenshots indicating I reached out to the vendor and I forwarded the email from the vendor and submitted my rebuttal. I was then told Im still eligible for a provisional credit. On XX/XX/XXXX, I received an email from Chime informing me that the claim was denied. I informed chime that I had submitted a rebuttal and I requested documentation from the first claim. I called Chime XX/XX/2023 and was informed that the rebuttal claim was denied. I then called Chime on XX/XX/2023 to submit a second rebuttal and asked Chime to remove one of the three charges from the claim because the amount was small ( {$30.00} ) and I would deal with the two remaining charges. I was informed that I was still eligible for a provisional credit by XX/XX/2023. On XX/XX/2023 I received an email from Chime stating that I had withdrawn my claim. I called Chime and my call was escalated to a supervisor on the dispute team. I informed him that I still hadnt received paperwork from the first claim back in XXXX and that I didnt withdraw my claim. The supervisor then informed me that he would escalate the issue and ask for more information. I then emailed chime on XX/XX/2023 and requested for them to send me call logs from all conversations to indicate I had chosen to do withdrawal my claim. Chime needs to do better and hold themselves acceptable to the deadlines they establish and deliver on promises they have in writing. There is no reason I have no obtained the supporting documentation used to determine the outcome of my claims.
01/03/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 13501
Web
On XX/XX/2022. I was on a website looking for a new home. The website was called XXXX. On the website it states that you need to provide a XXXX $ Fee for an application. As I proceeded to look on the website I found a home that I would like to look at. I messaged someone that can help me out with the process. As we spoke he also informed me about the application fee and that I also had to send an additional XXXX $ for the processing fee. I was okay with it. I used chime mobile banking as my payment method. Chime is affiliated with stride bank. So as we spoke I filled out an application and paid the fee. He then proceeded to ask me more information about the people I live with. Anyone over XXXX had to fill out and application of their own and also pay the fee. At first I was little unusual about it but I needed somewhere to move. So then my son had to fill out and application because hes over XXXX, and I sent another XXXX $ to the person. So as we moved on with the processing, the person then asks me to verify my XXXX account. So being that I didnt know what he meant I asked my son for help. When my son came to help me he couldnt find what the person was talking about. So I then asked if I can get a refund for my applications because something didnt seem right and the person really didnt want to, also tried to persuade me into staying but then agreed to send the refund. So after a while the person kept asking me to verify my XXXX account. And asked my son to come help me once again. So my son came to help me he told me to stop interfering with the person because it seems XXXX. And the only way someone can access your account from a Third party they XXXX be a hacker or scammer. So as time went on he kept constantly asking me to verify my XXXX account. Somehow the account was verified and he proceeded to ask me send a code from chime. I simply was asking if I was going to get my refund and instead saying yes or no, he kept asking me to send a code for chime. So because he was asking for a code from chime I was thinking that would get me my refund back being as thought I sent the fees through chime. So at first I was struggling trying to send me the code and I couldnt get it right so then I had to ask my son for help again. My son was able to help me and send the code. The code was sent and my son proceeded to check my chime account. When my son opened up the chime app and tried to log in he said there was an error. We tried signing in a few times and it didnt work. So then my son called chime to to fix the problem but as my son is listening to the prompts from the call he check the balance. The balance for both of my accounts stated XXXX XXXX So continuing in the call we got a hold of an agent and got the account back. We were brought to another agent for the fraud/scam. We spoke with the other agent about the situation and gave proof. A few days later they were not able to help me.
08/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • GA
  • 30314
Web
I opened a account with Chime in XX/XX/XXXX with my refund check XXXX another check was deposited which was my economic stimulus check of XXXX another one XXXX. During that time my XXXX refund was deposited in XX/XX/XXXX XXXX. A cash deposit of XXXX cash was also deposited in this account. My Totaling XXXX. I called account still in good standing the representative confirmed my balance of XXXX. And asked me did i try to access my account by changing the pw I told her no. That's when we changed the email address to XXXX and pw Immediatly and I believe it was in XXXX or XXXX of XXXX i never I tried to access this account until recently in XX/XX/XXXX and could not access my account. My wife started a new account n requested the.money be transferred into the new one explaining the old one could not be accessed n wanted the money balance transferred to the new one. We also tried to access the account by using the ATM card with no luck. Now my wife does not have access to the account at all. During this time I asked her to help me bcause I couldn't seem to get help through customer service. Chime ask for me to verify my identity. I sent them on 6 different occasions 6pic photo id 's 6 pic of my ssc copy of a bill with addres n a phone bill with my new phone number. Since the old one was not updated. But again could not access my account. After looking at my emails I noticed a XXXX XXXX with some type of spot me all over my email. I don't know this young lady so I didn't understand her involvement with me. She is not one of my contacts either. Also while looking over my emails I never recieved a bank statement from chime by mail nor even through my email. Chime said that they noticed unusual activity n never elaborated on the comment that was made. Amatter of fact the only thing they informed me of that my account was closed due to some account disclosure. They informed me they will send a check from my savings and another from my checking in 30days from the closure date XX/XX/XXXX. And 14 days from the XX/XX/XXXX from my savings I recieved a check from the savings in the Sum of XXXX which was XXXX short of XXXX which that was my savings balance XXXX. I inquired about the other refund check of XXXX and still have not recieved a response from chime nor the check from the checking account. I did inform them I was gon na seek legal help into receiving the rest of my money. I didn't even know that the account had been suspended in XXXX bcause they never informed me by mail or email. I have tried to contact them by email 20 to 30 times with no response to the money that I know for a fact was in that account. The irs sent me a identity theft pin for my ssn incase someone had used my identity. Chime never elaborated on any activity done with my account. I never authorized any transactions on this account. I do know that this account in XXXX ended with XXXX and should still in account was XXXX
08/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30291
Web
Hello, I have made my final efforts to understand and put this matter to end with Chime Bank illegally taking my {$38000.00}. I have sent requested documents since XX/XX/XXXX, and they have yet to release my funds. This bank harassed me to send my documents and take selfies in which I lowered my banking standards and sent them a selfie of me holding my temporary Georgia Issued ID which is issued by XXXX XXXXXXXX before we receive the hard copy. I have told many representatives about how their representative by the name of " XXXX '' tried to have a personal relationship with me and may have hacked my information to have someone pretend to be me after I denied helping her son. My funds have been sitting in this closed account since XX/XX/XXXX, and the only response I receive is ( After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the section titled Amendment and Cancellation in the Chime Deposit Account ). Well, I read their agreement and it states that chime has the right to refuse to issue any remaining balance less than {$1.00} which is not the case in my situation. There are many reasons I can take chime to court for this neglect, but this would be considered {$38.00} to the taxes I have paid. I have explained the issue over and over about a Chime representative named XXXX who was calling my phone for personal matters, and I received no response in regard to that violation, so I let this bank continue digging their own hole. I have been advised to reach out to the federal authorities in this case as Chime have claimed there is a violation somewhere with my funds and their internal policies which should have been reported to the Federal authorities immediately or they are committing the act of theft by taking along with money laundering by the response I'm receiving from their support team which has no live representatives. If me overspending my hard-earned funds are not in compliance with Chime 's internal policies that give them no legal right to put my {$38000.00} in a no refund status as if this was a PPP loan or credit builder account. I am a perfectly sane individual who received this direct deposit in XXXX of XXXX and had to pay taxes on my funds. I have no problem with this account being closed but Chime bank is committing a major act of money laundering which will be reported if my funds were found to be unauthorized and they are holding illegal funds on a closed account generating interest under my name and not being reported to taxes. If this is not settled immediately, I will have the appropriate government officials to investigate Chime support team and Chime bank under the Federal Law for financial companies committing money laundering and I have everything documented and recorded.
06/16/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 10469
Web
On Friday, XX/XX/XXXX, I received an email from Chime, the financial institution where I am a current client and with whom I have a spending ( checking ) and savings account ( they are affiliated with XXXX and XXXX Bank ). They informed me that my account had been temporarily suspended due to suspicious activity. Since then, theyve proceeded to ask me for various documents in order to verify my identity and the source of my funds ( XXXX loan & unemployment ) ; yet every time I send in what theyve requested, I receive another email requiring an entirely new set of documentation. I understand that they need to protect themselves and their clients, so Ive continued to provide said documents despite their unnecessarily drawn out process of requesting more and more details with every response I send them instead of just letting me know of everything that they need from me in one go, in a single email. Well, it has been 6 days ( 4 business days ) and 2 days since I sent my last email providing the set of documents fulfilling their most recent request yet I havent heard a word from them since they last came up with something new to ask for and I can not afford to wait because this is my livelihood we are talking about ; my entire lifes savings is tied up with this bank account and I am a XXXX XXXX XXXX who is also a single father with two children and my job is thankfully picking up again but it requires me to purchase work supplies regularly and I dont have the funds available to do so because of Chimes carelessness ; not to mention all of the necessities that come with parenting and just being able to survive during these difficult times, as I get no help from anyone. Im willing to transfer my balance to a bank that actually cares about their clients, as Ive been reading tons of horror stories regarding Chime, where hard-working folk have had to deal with getting completely cut off from their entire account for weeks, even months on end, with no access to their completely legitimate funds, indefinitelyand this is despite them proving the legitimacy of every single transaction that Chime had presumed to be suspicious activity. I dont know what else to do. I have no money to buy food or toiletries, I cant do my job without supplies, and my partial unemployment benefits were just deposited into my account yet I can not even log inIm also expecting a tax refund but I guess theyll be holding onto that to too until theyre done dragging their feet on responding to my submissions. This is discriminatory at best and I dont think I can survive much longer without access to my hard-earned savings. The department that handles suspensions has no customer service phone number so I am left with no choice but to continue emailing them until something gives. I need help, please advise on what I can do in order to expedite this so-called review process. Thank you for your time, XXXX XXXX
08/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • GA
  • 30014
Web Older American
I was trying to pay my XXXX bill and for some reason it kept telling me there was a problem with my card. I knew there was enough money in the bank to cover the transaction so I called the bank or so I thought what it was the bank. I looked up the customer support number on XXXX and I doubt it they answered. I told them that problem that I was having and they said they needed to verify my account. They had me download an app which I didnt understand and they suddenly had all of my information, my bank account number my my home address my phone number they knew how much money was in my bank. They knew which credit cards I had and which other banks I banked with, and they ended up having me do a bunch of stuff from The XXXX XXXX saying that they were verifying my account and then they had me hit a button when I hit that button. All of my money disappeared. I ask what happened to it and I asked her to put it back and she said give me five minutes your account. It will be back in your account in five minutes. Im simply trying to verify your account so I can fix the problem. I didnt understand it I figured she knew what she was doing so I waited well within less than five minutes. She hung up the phone when I called back a man answered. I told him what happened and he said OK I see it heres what were going to do and he hung up I called back three or four times and they would not answer the phone. They kept hanging up on me and then finally I think they blocked me because my car with no longer go through it I went back to XXXX, looked up the number again and found a completely different phone number. I called it and it was the real chime bank. I told them what happened and they said they would check with the fraud department. They came back and said the fraud department refused to give me my money back if they said that I authorized the transaction I did not And I told them that and they said that was too bad and I asked them to at the very least, give me a new account and a new account number and new cards because these people had all of that information they said once I close the account I could not get a new account and they would, but they would gladly sent me new cards will new cards would not do any good on the XXXX these people have the account number, routing number and all of my information. I needed a whole new account and they refused to give it to me so I close the account out entirely whatever money I had left in there they did not give me that back either. It was only pennies, but they still did not send it back to me and I am very disappointed because I think that they couldve at least taken the phone number that I called and investigated the whole thing and found out that I was scammed Im very disappointed very sad that Im on a fixed income and thats all the money I had to my name to pay my end of the month bills and now this is going to totally throw me off course
08/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 94109
Web Older American
I reported my chime checking account I used without any authorization within 48 hours of it being used and stolen. It was abused from the chime app on my phone I reported my phone stolen I reported that the XXXX I reported my phone had been stolen to chime and I reported the fact that my driver 's license was stolen so do not accept any changes to the account because there had been a bunch of fraudulent charges. These have been done through the chime application through people like uber many times. They also used it on cash app which they took {$320.00} out several other transactions were sent to somebody called XXXX XXXX. Now my phone had been stolen and that is where I do all my transactions and chime do that so I wasn't able to contact them back all the time since I did not have my phone or access to my email and I had called them using a borrowed phone. They continue to let people use my account they charged money also to XXXX eats for significant amounts. They kept asking for me to point out what transactions were fraudulent I said every transaction after XXXX XXXX. on XX/XX/XXXX with the exception of XXXX {$100.00} ATM which was me taking money out from the credit builder account. My wallet was gotten into and left they took only my XXXX XXXX credit card my driver 's license and I suppose copy the numbers off the debit card. But they didn't need that cuz they have the app which has the number on it. They went as far as letting the thief change my address, my email associated with the account and all that after I had told them that they had gotten in my driver 's license to not let and allow any changes. So I was a lame duck they had my telephone where verification they would call the number and they had my driver 's license they changed my address I called back and I told them to verify the address they told me that wasn't the one on file I told him the new one they changed it and they went back in and changed it again. I told him I needed access to my social security money I was XXXX XXXX XXXX and that was all the money I had they ignored me and they just put me on hold every time. Fast forward to XXXX my new social security check came in and they allowed him to take money out of my checking account again {$600.00} out of the same account that I had reported fraud several times and I reported the wrong address had been put on there and it just completely ignored me. I need my money. The fraudulent charges in XXXX are over {$600.00} and they were very clear and I think about {$1000.00} I don't have it in front of me for XXXX. I need to have that money put in my account so I can use it immediately. I filed a complaint with the Federal trade commission for identity theft at the federal level. Since they had XXXX account that went into my XXXX account and hacked them and gave themselves access to my email and it wasn't until XX/XX/XXXX that I was able to recover it.
03/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NJ
  • 08094
Web Servicemember
This complaint is against Chime. I was an active consumer of their product for a little over a year, up until XXXX of XXXX. This is where the first issue arose with their bank. I woke up to {$1400.00} missing from my account. I immediately disputed the transactions as they were not made by me. I received an email from Chime stating that no error had occured, and the dispute was closed in less than a week, before I had a chance to even submit my documentation. I then requested the documents they used as evidence for their investigation, and was never provided them. After going back and forth with them, the claim was reopened. Around 3 months later in XXXX, XXXX, I received an email stating there was indeed an error, and my money was returned. After that, I stopped using this bank account because I could not trust them to correct this situation in a timely manner, and having to wait months for that amount of money could be detrimental to someones livelihood. It left me wondering, why not ( like other banks ) issue a credit during the investigation? Anyhow, fast forward to XXXX, XXXX. Somehow, the IRS used my deposit info from an old tax return, and my current tax return was sent to the Chime account I had not used in over a year. I did not even have the app installed. About a week later, I notice an email regarding the deposit. I reinstall the app, login to my account, and see that the money is already gone, this time in the amount of {$2300.00}! Again, I immediately dispute the transaction, explain the situation, show the clear account inactivity, and show my actual tax return documentation proving that the return should have never been sent there. Once again, I am immediately met with a response that no error occured and the dispute was closed. So, just as last time, I requested the documentation they used in their investigation, and as expected, have yet to receive anything. So this is the second time disputing a meaningful amount of money on an unauthorized transaction, and the second time being met with immediate resistance, and no support. I have been bounced between a number of support agents who repeat the same scripted response. I have asked for a supervisor multipled times, and have yet to be provided with one. This situation is more dire than the last, it is a higher amount, and my current situation left me relying on that to pay my rent, which I am now unable to do because once again this bank is showing signs of unethical business practices. They violated US Treasury regulation E already with their email response, and have been held accountable for that multiple times in court already. I would rather not have to file a lawsuit, and would like them to actually assist their customers. This situation could have been handled with a temporary credit while they complete the investigation, rather than possibly pushing one of their customers into being homeless.
11/11/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 326XX
Web Older American
I bank with Chime Bank online and have done so for about two years. On Friday, XX/XX/2021, early in the morning, I wrote an email to : XXXX to give them an update of my new phone number. Within fifteen minutes I received two emails stating that my account was now locked due to " suspicious activity ''. They went on to say that to get it unlocked I needed to submit my drivers license, front and back, copy of social security card, a selfie w/me holding my ID and a paper with my name and the current date. I submitted immediately and they later responded they could not read the selfie. I resubmitted the selfie and now, have done so at least four times but I think it is five times. My social security check goes to them via direct deposit and Friday was payday too. As of this time, they will not unlock my account, and no longer communicate with me. I have called and get shuffled to someone who states I will get a call back from a specialist but to date, I have not received one call. I have sent numerous emails aside from the ID ones stating that I need to pay bills and have no money. I am now past due on rent which will cost me an extra one hundred dollars, I am past due on my credit card so my credit is to affected poorly, I have absolutely no cash and nobody to borrow from. It is my belief they messed up from the start by locking my account when I simply asked to update my phone with a new number. There was no suspicious activity, and all the while they never asked me for my password or even my address of record. If the selfie was in fact not readable, the last one I sent in was taken by my landlord and was easily readable. I contacted them on XXXX last night and they responded saying they would get back to me but did not/have not. I am now desperate as I am flat broke. As far as I am concerned, Chime is irresponsible in their total disregard for my well-being. I am angry, I am sad and depressed, I am frustrated, I am resentful of their poor communication and they act like this is some kind of game but it is only me that loses here. To take control of my funds in such a manner is not the act of a valid fiduciary. I also had a small deposit of seventeen dollars rejected by them during this past week. I am at the point where I feel incapable of continued communication attempts without using foul language in expressing my sentiments. In a separate matter, a couple of weeks prior to all this, my phone was hacked via a " sim swap '' and I lost all my savings at a brokerage, that was my emergency money and because of that loss, having my account locked, has put me in a very bad situation. No bank should be allowed to jeopardize access to one 's money, and if it is in the name of security, it needs to be resolved at once. XXXX, Chime can go straight to XXXX! They need to open my account and should compensate me for having late rent fees due, and damaged credit as well!
10/05/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Account opened as a result of fraud
  • NY
  • 11429
Web
My name is XXXX XXXX Im a victim of unemployment fraud I have been going back and forth with department of labor since XX/XX/XXXX I filled my unemployment in XXXX of XXXX I had issues with my account with trying to login for months when I started my account late may or XX/XX/XXXX I finally got assistance with my account Around this time they reset the account for me and I was able to proceed with my application I was missing my social security card so I had to order a new 1 So I sent my Id and my passport information to dept of labor They told me they needed my social security card So I had to order a new one, do to the pandemic it took much long to receive it Around XXXX I receive my social security card and sent it over to department of labor Around XX/XX/XXXX started receiving my benefits Do to the fact it took so long to give them the social security card They started releasing payment that started from XXXX XXXX XXXX XXXX Everything was fine the funds were being deposit in my account for direct deposits Around XX/XX/XXXX had problems accessing my account My password was changed When I noticed that I called department of labors to inform them my information was changed They help me get back online When I got back access to my account I saw someone change my information My email, mailing address, and telephone number and they changed my direct deposit to debit card with key bank I saw that a debit card was created and mailed to the address that they changed my information too XXXX XXXX is the bank unemployment use to give you access to funds that are provided to you if you dont have a bank account Someone change the mailing address to XXXX XXXX XXXX XXXX XXXX NY XXXX Change telephone number to XXXX And also changed email to XXXX So at the time unemployment put block on my account Unfortunately when they locked the account They kept the fraudulent information Which caused this fraudulent account to continue to receive my deposit I call the labor department everyday for 2 years They told me be Patient it takes time to Resolve In XXXX they fixed my account so I can receive the remaining deposits In late XXXX the sent me a trace letter to contact bankcorp Which sent me to chime To come to find out this where my funds were being sent fraudulently I spoke chime the put in disputes and investigation to no avail The said give them up to 60 days to investigate which would of been XX/XX/XXXX No help I have the statement from chime for all the transaction I dont know what else to do I call labor department they say call XXXX Account number XXXX Claim id number XXXX Fraudulent account under my information The information above is the information tied to the fraudulent account I have account statements I have trace letter I have emails for 1 plus year with chime 2 years of expand to labor department what happened to me Everyone said they cant help me They took XXXX $
07/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33935
Web
I used chime for my checking account on Thursday XX/XX/XXXX I received my check direct deposit from the company I work for chime has suspended my account and they have kept my whole paycheck for the past four days since XX/XX/XXXX I have not been able to buy food gas paid my bills my cell phone has been disconnected I cant pay my car payment my car insurance I cant do anything for my family because they said they close my account for noncompliance I gave them the original email that I wanted to use and I signed up with in XXXX since XXXX theyve been continuously getting my checks direct apposite no problem on Thursday, XX/XX/XXXX they froze my funds and they have refused to give me any money they said it was for noncompliance they asked me to send my license front and back theyve asked me to send a bill at my house in my name and asked me to send the last four of my social I have called them 8 Times and beg them for a resolution Ive sent all the information required of me two times every time I called and talk to an agent they can tell that my account is suspended my account is locked and they tell me that they visibly see the information that I sent in everything I was asked for but they wont unlock my account how do you XXXX to them Im hungry I have to get back to work I dont know what to do they tell me they see my information there they dont know why a member of supports not taking care of and unlocking my account I didnt do anything wrong I wasnt overdrawn they asked me to verify my identity every time I call and I always verify my identity I give them my name I give them the last four of my social I gave them the last transactions I was able to use on my debit card and they still will not release my funds I am financially suffering right now I cant buy my kids anything to eat I cant pay my bill that was just disconnected I cant have gas to get to work on Monday I cant do anything Ive talked to multiple agents eight different times when I call Ive even talk to a supervisor I was told on multiple occasions I would get a call back within two hours nobodys ever called me back I need them to unlock my debit card and release my funds I dont know what to do its morally wrong and inhumane to do that to a person when they can visibly see Im complying and sending all the information they sent me to text messages telling me that my email was XXXX and then they sent me another email telling me that my email was XXXX explain to them I sent them the information from the email address I signed up with and that should be on file they keep sending me these emails that they create and I cant access. Im going to include all the screenshots from 10 different emails back-and-forth with time where I have complied and I sent my information twice I originally sent it when they first asked me to on Friday to XXXX then I sent it again and forwarded all the information again
07/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 23224
Web Older American
My name is XXXX XXXX and I reside I. XXXX Virginia. I'm a XXXX XXXX XXXX senior citizen and I'm XXXX and have been since XXXX of XXXX. I receive my income from Social Security XXXX. I found some unusual charges from my checking account. So I invested my account and found out that some one was stealing XXXX 's of dollars from my checking account using my debit card that was saved on XXXX XXXX account. So I started my own investigation I to the unauthorized charges found on my bank statements and I found them recorded on my online banking account. I bank with Chime and have been with them since XXXX. I've never experienced this kind of fraud in all my years of banking. I reported all the unauthorized charges posted to my checking account immediately. I was informed that I needed to file a dispute immediately. So I filed a dispute with the bank. I also notified the merchant of all the u authorized charges posted to my XXXX XXXX Account that is recorded in my activity on my XXXX Account. XXXX did an investigation and they informed me that they only allow a customer to be refunded if unauthorized charges were made in my XXXX account. Their policy states that they only allow a customer to be refunded unauthorized charges made on your account. XXXX only refunded me XXXX for unauthorized charges in my account. Do I called my bank Chime and informed them that the merchant that was involved in the unauthorized charges refunded me XXXX XXXX that was what they were linked to refund. So I ask the customer service technician what was their policy of recovering charges made on my account that were unauthorized by me. I was informed that I have to file a dispute immediately do that they could conduct their investigation I to the unauthorized charges. I was then I formed that their investigation would take 7 to 10 days to be completed. I received their results by email. Their finding was that they found no suspicious activity in my checking account. I immediately called my back to inform them that I disagreed with their results and ask to file an appeal so that they would start another investigation I to the unauthorized charges made to my checking account. I received s email from Chime Bank 1week after I requested so appeal be performed. Again the results of the investigation was that they denied my appeal and that I was eligible to receive all documents used in their investigation I to my u authorized charges. They told me they had 10 business days to supply me with the documents. Well it's been 1 month since I was told to expect the copies of the documents 10 days. I've ran out of ideas to see how I could get reimbursed for the authorize charges. I ask my attorney what I should do about my bank that denied my appeal and was told to file a complaint. Well thank you for reading my messy and I hope to get a response from your company with good news. Thank you XXXX XXXX
03/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NE
  • 68135
Web
I opened my account on XX/XX/2022. The following day, I received an email stating that my account was locked and to contact customer service. I first emailed and was told that they could not help me unless I emailed them " a picture of your valid government-issued ID and the last 4 digits of your Social Security number. Please also provide a clear photo of yourself ( selfie ) holding both your ID and a piece of paper with your name and today 's date written on it for verification purposes. '' ( As an aside, I used an XXXX email alias as my username as I generally avoid re-using usernames across financial accounts for security purposes. I am able to reply to emails sent from this XXXX alias, but not to send a new email. I was unaware that this could pose a problem when I opened the account. ) While I understand the need to verify a customer 's identity, it is not safe or secure to send the requested type and amount of personal information by unencrypted, regular email. Instead, I called customer service and was told that my my account was suspended due to a violation of the terms and conditions. Please note, I had not conducted any transactions on the account or used it in any way. The only possible transaction was a trial deposit from my other bank to link the accounts. I had already verified my identity during the account opening process ( including giving my drivers license and a selfie, as requested ). Nevertheless, the representative on the phone told me that I needed to verify my identity to request the suspension be lifted, again by sending via unsecured email : a picture of my driver 's license AND my passport, the last four of my social security number, and an additional proof of address, such as a bill. I asked whether there was a secure message portal I could use to submit this information and was told no. The only way to send this very sensitive personal information is by unsecured and unencrypted regular email. There are absolutely zero cybersecurity experts or organizations that endorse using regular email to send your social security number, driver 's license, passport, or other information as this information could intercepted and used to steal your identity. It is shocking to me that Chime, as a tech focused company, does not have a secure way for its customers to communicate sensitive personal information. After the phone call on XX/XX/XXXX, I decided I was not comfortable risking my identity by sending the requested information unencrypted and replied to the email chain asking Chime to close my account. Instead of a responsive reply, I received another email asking me to send my personal information by email before they could assist me. It has been more than a month and I have not received confirmation that the account was closed. I am concerned that Chime has not followed my instructions to close the account.
08/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • VA
  • 23223
Web
Good morning, On XX/XX/XXXX, I was at work when I received a transaction notification from my Chime Credit Builder credit card that a charge for {$61.00} from XXXX XXXX has just been drafted against my account. I had not authorized this charge, so I immediately ran to call Chime Bank to dispute it. While I was on the phone actually speaking with a disputes agent, a separate charge in the amount of {$58.00} attempted to draft against my Chime Credit Builder credit card. It was declined. Then I received a notification that the {$58.00} had drafted from my Chime Checking Account instead. I mentioned this on the phone call with the Chime disputes agent, and she acknowledged seeing the charges happening, so she hurried to close both of my accounts and issue new cards. She disputed both charges as unauthorized, so I was dumbfounded when Chime denied my disputes and said they saw no wrongdoing. I called them immediately and spoke with a supervisor who said there was nothing he could do, and that the charges were valid. I immediately reached out to XXXX for additional information that I could use to continue the disputes. I received an email from XXXX stating the following ( all of which was provided to Chime bank ) : 1. XXXX acknowledged that there were unauthorized changes and fraudulent charges made on my XXXX online account. The fraudsters hacked my XXXX account, changed the email address to XXXX and began ordering with my stored debit and credit builder cards. My email address is XXXX. 2. These two pickup orders were placed FROM XXXX XXXXXXXX XXXX New Jersey ) and XXXX ( New York ). I live in XXXX, Virginia, which is XXXX hours from XXXX and XXXX hours from XXXX XXXX. There is no way I could have picked up food XXXX and XXXX states away. 3. The times these orders were placed ( XX/XX/XXXX XXXX AM and XX/XX/XXXX XXXX AM ) I was already on the phone with Chime shutting down my accounts. This is fraud pure and simple ; and it is unsettling that Chime is trying to hold me liable for fraud after all the evidence I provided to them. I even requested they listen to the phone call between the Chime Disputes Agent and me- they would have heard her acknowledge what was happening in " real-time ''. I provided Chime with the XXXX automated email where the scammers changed my email address to gain access to my XXXX XXXX account, I provided the email from the XXXX XXXX XXXX where they gave all the details showing this was fraud, I gave the XXXX driving time frames to the cities where the orders were placed and picked up, I gave them my call records to show I was on the phone with Chime shutting down my accounts when the second charge was going through... I basically handed them everything they needed to make a fraud case, and they declined to proceed. To say I am disappointed is an understatement. I do not want to pay for a scammer 's lunch.
04/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NJ
  • 07107
Web
Yesterday XX/XX/2022 I had problems with living into my online mobile bank because my Cell phone was off I couldnt complete the XXXX step versification to get into my account and I couldnt reset my password either I been calling my bank all day trying to get them to help me log in but they said its noting they can do because they cant go past that XXXX step verification process so I wasnt able to log into my account all day until later in the afternoon I had someone pay my phone bill so I can reset my account long story short I had my pension money deposit into my account today it loaded in my account around XXXX sometimes I still was having troubles logging into my account by the time I was able to get into my account almost XXXX all my money was gone someone had logged into my account in moved my money from my checkings account into a credit builder account I never ever use and made a transaction XXXX XXXX XXXX for {$810.00} which was all of my money i immediately called my bank addressing the situation I have no money that was my pension money from my job I have no money yesterday was my mom XXXX XXXX anniversary that she been XXXX I couldnt go to the grave yard in visits because some one hacked into my account in stole all my money how this happen I dont know but its funny how they prevented me from accessing my account all day then when I finally do some one else gets access and was able to make out with my money I never use This credit card my bank is chime they have the online virtual card the same as the physical card which you never ever do the person who hacked my account would have been unsuccessful had the virtual been different for every debit card they never give the same card info the virtual card be like something you can use temporary until you receive the physical card them once you activate the real card you can no longer use the virtual now thats how the hacker did it they transferred my money from my savings to the credit building card and made the virtual card to they XXXX XXXX cause its the same information as the real card this person doesnt have the real credit card nor do they have any of my passwords I dont know how they logged into my account but people know how to do these things I received emails from chime saying someone logged in my account XXXX times yesterday from a XXXX and in different locations XXXX was in XXXX XXXX I live in XXXX this is crazy they took everything I had in one XXXX to XXXX XXXX or XXXX XXXX I need my money back to survive that was my pension money I cant wait months while they think about it I need my money immediately I have XXXX children in my house hold that depend on me I please help me I feel so violated chime security system seems like its only XXXX at stoping me from doing something because how they keep me out but let someone else get in and steal all my money
03/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30052
Web
I chose Chime Bank because they don't charge monthly fees and it's been ages since I've had to walk into a bank anyway. That's basically their only selling point. I don't think we are advanced enough as a society to get rid of brick-and-mortar banks just yet, sadly. Basic bank features provided by other banks are like pulling teeth with Chime. My main issue is a simple mobile check deposit. This has been going on for years actually. They turned it off sometime in XXXX and they always give me the same answer, they turned it off due to " certain risk factors. '' They never tell me what exactly the risk is or how to fix it, I basically just have to deal with it and use a check cashing service even though I have a valid checking and savings account and credit card with them. There's nothing they can do and they refuse to do anything. I spoke with a representative again today and he gave the same answer ( XX/XX/XXXX ). In response to that, I'm forced to use a check cashing app, XXXX XXXX, which isn't helpful either but it's basically my last resort. I am a XXXX XXXX and XXXX XXXX and both of my main employers still pay by check. My employer, XXXX XXXX XXXX XXXX XXXX uses XXXX XXXX XXXXXXXX to process my check stubs. He offered to send my money through another service, XXXX but they aren't compatible with Chime. He refuses to use XXXX XXXX, XXXX, or XXXX, which I have all of because of scams and risks to the company 's accounts. He's old school and it's a small business. XXXX XXXX unfortunately charges a fee to get my money immediately which is why I need Chime to turn on the mobile check deposit ASAP. They don't charge small amounts in cents, they take a pretty big percentage, up to {$25.00} worth for each check. I'm not exactly rolling in dough so I need every cent I earn. If I wanted to pay fees I wouldn't bother with Chime at all. If I don't want to pay a fee, I have to wait 10 days. Lately, XXXX XXXX has been giving me issues where checks I try to deposit decline or an error in the system makes me have to resubmit checks. This is making me nervous and delays my checks. On XX/XX/XXXX, I tried to deposit a check and it came back as declined. XXXX XXXX told me to try again. It declined again on XX/XX/XXXX. My employer called XXXX and they said that the check was paid out on the XXXX ... so where is it going!? This is too many ropes and hoops to jump through to do a simple thing. XXXX is still working on the issue as we speak and Chime refuses to do anything. If they could just turn on this important and basic bank feature I wouldn't have to go through this and I can get my money in time. Chime is owned by XXXX XXXX I have made a complaint to them as well. I also contacted the Federal Reserve Consumer Help Center and they referred me to you and I hope this will be the last time I have to tell this story.
07/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NV
  • 89102
Web
I am writing to express my deep concern and dissatisfaction regarding the recent handling of an unauthorized transaction on my Chime account. On XX/XX/, a transaction in the amount of {$1700.00} appeared on my account, which I promptly reported to your customer service representative during a phone call on the same day. During the conversation, your representative informed me that I needed to wait for the transaction to post or clear before initiating a dispute. Despite my insistence on immediate action, I complied with the instructions provided. Additionally, I was informed that an email would be sent to me, allowing me to submit a police report as supporting evidence. However, to this day, I have not received such an email. To my dismay, the transaction eventually posted, and the dispute process commenced. Astonishingly, within a mere three days from the transaction date, Chime reached a conclusion that the charge was not fraudulent. I must firmly assert that this determination is entirely erroneous, as I did not authorize nor recognize this transaction. I am committed to seeing this matter resolved properly and justly. I understand that resolving such issues can be time-consuming, and I am willing to actively participate and cooperate in any way necessary to bring about a fair resolution. However, I must emphasize that I will not cease my efforts until this matter is resolved in the appropriate manner. Please be aware that I fully intend to file complaints with all relevant United States government agencies, engage both local and federal law enforcement agencies, and raise public awareness through various media platforms. As a young social media influencer, I understand the immense power of social media to bring attention to such matters. Furthermore, I have already sought the assistance of a competent lawyer who is prepared to pursue legal action against Chime Bank, as I firmly believe that your institution has a fundamental obligation to safeguard consumers from fraud and illegitimate transactions. It is my sincere hope that we can resolve this matter swiftly and amicably. I kindly request that you initiate a thorough reevaluation of the disputed transaction and reconsider your previous decision. I implore you to conduct a meticulous investigation, taking into account all available evidence, including my steadfast denial of authorization for the transaction. I look forward to a prompt and satisfactory resolution to this issue. Should you require any additional information or documentation from my end, please do not hesitate to contact me via the provided email address or phone number. Thank you for your attention to this serious matter. I trust that, as a reputable financial institution, Chime Bank will handle this situation with the utmost professionalism and rectify the issue accordingly.
12/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32303
Web
Phone was stolen and multiple accounts had been accessed with multiple unauthorized transactions being made. Filed digital dispute on XX/XX/26 with Chime and XXXX respectively. Wrote and submitted a formal written dispute to go along with each dispute. XXXX dispute closed in my favor within a week. Chime however mishandled my dispute, and was treating it like a debit card dispute when the transactions were from my credit card account. They denied my claim. I filed a rebuttal, supplied more evidence such as resolutions with XXXX for the same problem during the same time span. Phone insurance claim filed for stolen phone ( approved ) documents and proof of delivery of new phone. Took a few weeks to respond and again denied my claim, stating that I had not supplied any additional information to reconsider their decision. I asked for documents used in making their decision to deny the claim. I never received them. Mind you I was at no point offered or extended a refund or temporary credit. I call and speak to an agent and they reopen my dispute for a 3rd time. 2 more weeks go by. They're investigating. It's now been 7-8 weeks since this began. I call and ask why I haven't been extended temporary or provisional credit or a refund. I'm told my claim is ineligible due to it being " non reg.e receiving merchandise or quality of goods ''. This is of course plainly wrong as my dispute has always been about unauthorized transactions. I call and speak to 3 more people searching for answers. They then tell me the charges are from my credit account therefore not eligible for provisional/temp. Credit. How can an ongoing credit card dispute for unauthorized charges that's been going on for 2 months now not be eligible for a credit? I've never experienced such apathy towards me a customer as i have throughout this processes when trying to correct a bill or settle a dispute. And any credit card I've ever had any fraud or dispute claims has refunded me or issued Me a credit immediately or within a matter of days. I thought credit cards offered greater protection than debit cards. It's been 2 months now, still have an open dispute and they still deflect or don't answer the question when I ask about at least providing a credit to my account while they " continue to investigate " this has caused great financial stress for me. I've done everything Chime has asked of me. followed procedures and completed all forms, submitted all supporting materials. Ive been given false information multiple times about this dispute along the way. Never been extended temporary/provisional credit or a refund so I might in the meantime access my funds that were taken. Nothing at all. I've literally gone hungry some days because I was waiting on a paycheck and didn't have my money which should've been in my Chime account. This has been a nightmare.
10/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • 85388
Web
XXXX XXXX XXXX XXXX XXXX of my account is XXXX hello good afternoon on XX/XX/XXXX of this year around XXXXXXXX XXXX XXXX XXXX I received an email from the XXXX XXXX that a person was trying to access my account telling me the location of this person who was XXXX from the XXXX after this I proceeded to change the passwords of my banking application and my email so that there would be no more problems, I was very concerned about the situation because I had all my money in this account saved for several months from my XXXX work and called the bank around XXXX XXXX to tell them to help me block my account, the bank replied with " we can't help you '' then I proceeded to email XXXX with my data and photos that ask you to identify your identity, they told me that my account was already verified, I normally work at night and that day after doing all this process I went to XXXX XXXX or at XXXX XXXX I notice they logged back into my account and were shopping online at various stores like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I tried to log into my bank app and was unsuccessful because all my account details had changed and immediately I called the bank so that they immediately blocked the cards that were being used at that moment again they told me that they could not help me that I had to wait for them all the purchases were processed and are no longer in pending status to present a dispute wait until XXXX XXXX on XX/XX/XXXX to be able to access my account since the bank had confirmed my identity again, I disputed the card and they told me that I had to wait to dispute the debit cards. this is the amount that was made with the debit card in Amount of claim : {$2700.00} Amount of claim : {$390.00} Amount of claim : {$1100.00} this is the amount that was made with the credit card The amount in dispute, {$5300.00} then call as the transactions were no longer pending to present a dispute for these purchases of my credit and debit card, they told me that both were already in a state of dispute, after three days the bank told me that there was no error in these purchases and that I would not have a refund of this money that has been stolen from me, the bank provided me with some new provisional cards I can see them in my application after this new card was used again to make the same purchases they re-entered my account they changed my data again and the bank no longer gave me access to this account without giving me a detailed report of the disputes I made. I still have no information about the latest information I have sent to this bank. I attach a photo of what it looks like This person entered my account and changed my email and phone number. I have also suffered discrimination from this company because although their staff speaks XXXX they refuse to speak it so that they can have better communication with them.
04/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • WV
  • 253XX
Web Servicemember
i got out of the hospital treatment facility because im a XXXX XXXX XXXX patient, upon getting out i found out my bank had been accessed and drained while i underwent treatment, in the sum of almost XXXX XXXX and right away i called chime. the rep who i spoke with went thru every transaction, filed disputes and closed my card and re issued and froze the account access online per my request. so now the waiting game. when the disputes finally started getting resolved everything was approved and credited all the way to the day i went into the hospital, except two disputes, dispute numbered XXXX, and XXXX the completion date was XX/XX/XXXX which would of been the 60 days. i called in when the XXXX showed that my deposits went in and XXXX $ was missing from # XXXX where they claimed it was cancelled already and prior credited. upon researching i found it indeed was not. so i called and a rep named XXXX was on the phone with me trying to get it resolved when i got an email saying that my dispute has been filed???? what dispute? so i opened my app, again with a rep on the line still, and it showed my XXXX $ was removed and the claim just paid out was now reopened and the money that i just waited almost 3 months for to be returned had vanished. i asked her what the heck was happening and she said i dont know but i saw that too and dont worry i will create a ticket on both of these issues that happened because i see all the documentation and what i just witnessed i got your back and will get this credited back within 48 hours. well fast forward to three supervisors, eight reps and countless hours on hold with nobody ACTUALLY RESOLVING anything and for me to be told several times on recorded calls that it will be credited 24-48 hours. well, yeah that never happened, actually the claim got denied. so you deny a claim of my money being sent thru your pay anyone and approve the XXXX $ transaction just five minutes prior to the one you denied ... hows that. well a rep said they will have documents sent and id receive it the next day but still as of 8 days later, have not received them. because there isnt any. regulation E is never followed, the terms are never followed by them and no reps listen its crazy, until you showed up. i have all calls, documents, and proof of theft, but yet they say it will be resolved 45 days later, even though it was just completed on the XXXX of XXXX. so im writing to ask can you get my money back they are refusing to follow there own rules and terms of having a bank with them and now they are denying things that they never even investigated. it A FACT! i called and no reply on the situation. case XXXX for the amount of {$8100.00} and XXXX for the amount of {$150.00} both of which they are not following guildlines. and still have not issued my money back. thank you and god bless you guys!
05/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 856XX
Web
On XX/XX/2023 around XXXX I went to login to my Chime bank account app to check my balances, but I was unable to login, it said my phone number and password had been changed. So I had to request a temporary link sent to my email to login. I logged in and I changed the phone number back to my phone number and I changed the password. In order to change these I had to verify my identity by sending a picture of front and back of my license and take a selfie picture and send it. After I completed all of that I went into the account and saw 5 unusual transactions that I did not make. XXXX ) XXXX, XXXX, XXXX posted XX/XX/XXXX at XXXX for {$12.00}. XXXX ) XXXX, XXXX, XXXX at XXXX also for {$12.00}. XXXX ) XXXX XXXX posted at XXXX for {$8.00}. XXXX ) XXXX posted at XXXX for {$490.00}. XXXX ) XXXX posted at XXXX for {$990.00}. I immediately called Chime Bank and told them that my account had been hacked and there were 5 unauthorized charges made from my account. They looked it up and said that the charges were still in pending status and that they can not file a dispute until the charges settle, and once charges settle then I can file a dispute and it will take up to 90 days for them to investigate. I said if they're pending why cant you just cancel them? They said they have to wait for them to settle to do anything. They said if I wanted to speed up the process I could try to contact the merchant. I contacted the merchant and they said they would cancel the charges just have my bank contact them. I called Chime again told them the merchant said to call them and they will cancel charges. Chime refused to call the merchant. Couple days went by and 3 of the charges settled so they started the dispute investigation on those 3 charges. I sent them screenshots showing my password and phone number had been changed on my account and an email from merchant saying to have bank call them to cancel charges. The bank then denied my disputes for those 3 charges saying no error occurred. The other 2 charges ended up expiring and never settled so money went back into my account. I called chime again told them I wanted them to send me the documents they used to determine no error occurred and I asked them why would those 2 charges that went back into my account why would they never have been pushed through and settled? They said XXXX merchant must have seen something wasnt right so never pushed them through. I said why is it that merchant could see something wasn't right and not push the charges through to settle but you guys somehow can't see that something is not right?? I also sent them screenshots from my XXXX account that's connected to my bank which shows numerous attempts to login to my account with wrong password entered and these attempts were from XXXX, XXXX, XXXX, and several attempts from different states in the XXXX.
06/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CO
  • 80524
Web
Please note, the closing of my account was immediately preceded by me reporting a different account as fraudulent. I have included both issues in the timeline. Amount in account : {$900.00} XX/XX/2023 - I reported a fraudulent account that was using my email mask. - Chime put a hold on my real account. - I emailed Chime proof of identity. XX/XX/2023 - Account still on hold, no updates. - Fraudulent account still open. - Sent Chime additional information about the fraudulent account. XX/XX/2023 - Account still on hold, no updates. - Fraudulent account still open. - Received emails from Chime directed at the fraudulent account. - Forwarded Chime the emails directed at the fraudulent account, re-describing the situation. XX/XX/2023 - Account still on hold, no updates. - Fraudulent account still open. - Emailed Chime a complaint about lack of updates and poor call center customer service. XX/XX/2023 - Account still on hold, no updates. - Fraudulent account still open. - Received emails from Chime directed at the fraudulent account. - Emailed them again about the fraudulent account situation. XX/XX/2023 - Informed by email that my account was officially closed on XX/XX/2023, and that I would be reimbursed within 30 days. - Fraudulent account still open. - Asked Chime about why my account was closed and re-described the situation about the fraudulent account. XX/XX/2023- Account closed, no updates. - Fraudulent account still open. - Received a response re-informing me my real account was closed. - Asked Chime again about the fraudulent account. - Received a response re-informing me my real account was closed. XX/XX/2023- Account closed, no updates. - Fraudulent account still open. - Received an email from Chime directed at the fraudulent account. XX/XX/2023- Account closed, no updates. - Fraudulent account still open. - Emailed Chime about the fraudulent account. - Posted about them on XXXX stating I was going to report them. - Finally received a response in my email from their social media team about the fraudulent account. XX/XX/2023 - Fraudulent account closed 40 days after I first reported it. - Real account still closed, no updates. XX/XX/2023- Account closed, no updates. - Emailed Chime asking for updates. - Received basic " 30 days '' email. XX/XX/2023- Account closed, no updates. - Emailed Chime asking for updates. - Received " we're making progress '' response. XX/XX/2023- Account closed, no updates. - Emailed Chime asking for updates. XX/XX/2023- Account closed, no updates. - Emailed Chime asking for updates. XX/XX/2023- Chime emailed me asking for proof of identity. XX/XX/2023 - Emailed Chime copies of IDs and a signed Affidavit of Identity. - Received copies of my bank statements. XX/XX/2023 - Emailed Chime asking for updates.
03/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • UT
  • 84088
Web
I am using the XXXX XXXX service for my car. I signed up for auto payment for their service because I was told I had no other choice. They charged my account for their service fee, but Im also seeing charges that I did not authorize. They charge you for violations ( which I had none prior to this ) and they charge these violations to your debit card without any prior warning. They recently tried to charge my account for {$310.00} with no prior warning and I didnt receive an invoice or any documentation on what that charge was for. In XXXX of XXXX I was also told by XXXX XXXX that I was not allowed to remove my banking information from their system and I was not allowed to pay any other way. I am fine with the monthly service fee they charge, but I did not authorize any other charges be taken from my checking, nor do they call to authorize the charge or give me any indication that they are charging me. I often dont receive invoices after the charges go through. I have asked for a copy of my contract with them and they refuse to provide it, stating it is available in their app, which it is not. This company has been holding my car hostage for almost a month now. Theyve locked my system due to my car failing to start. Ive paid a fee to unlock the device which did not work and now theyre trying to charge me an additional fee to come fix their issue with their equipment. I have already submitted a formal complaint to the XXXX and will be taking this matter in front of the XXXX judge soon. This company is predatory. They charge fees without warning and if the account doesnt have the funds to cover their fees, they charge an additional fee. I believe they do this on purpose so they can take an additional {$35.00} for every transaction. They also claim damage to the device without providing proof of the damages. I moved to XXXX from XX/XX/XXXX to XX/XX/XXXX and had a mobile calibration appointment scheduled with them. My car stayed in XXXX while while we were in XXXX. The calibration didnt work because my car battery had died. I scheduled a calibration the day I arrived back in XXXX, and found my interlock had been locked and my car was unable to start. I was not told about the locked state of the interlock, I found out by traveling to my cars location and it wouldnt start. After paying the fee and several attempts to unlock the device, the codes I was given all failed and I was told it was my fault and that the device had been tampered with. My car is sitting in my parents yard and hasnt been touched from XX/XX/XXXX to XX/XX/XXXX and no one had access to the vehicle. There is no way I would have been able to tamper with the device as I wasnt here to do so. Also, my car is stored on a private lane and no one would have access to the car, nor would anyone have reason to tamper with their device.
03/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • XXXXX
Web
I'm XXXX XXXX. I got our tax refund back. I looked for a XXXX and it led me to Chime. With 0.5 % interest, it sounds intriguing. I opened a Chime account, transferred {$8400.00} ( stupid of me to transfer so much at once ) from our main Bank at XXXX. I got an email from Chime two days later saying my account had been suspended. On Tuesday, XX/XX/XXXX, they asked for Gov't ID, source of fund, explanation of the purpose of transfer. I replied immediately with all of those documents including the screenshot from my main banking app with XXXX stating clearly that the source of the fund is tax refund and the purpose of transfer which is to build savings, it even stated IRS Tax refund so it's super clear. On the XXXX XXXX, I got a response back asking for the the back of my Driver 's License and, AGAIN I got asked for the purpose and source of fund. This is when I started to worry as I have previously sufficiently provided all the necessary documents and seriously wondered what happened during the review/ investigation on Chime 's end. I followed up with Chime again. AGAIN, I was asked for the purpose of the transfer, a second government ID, and source of income, they specifically mentioned unemployment check. This is when I got really angry and worried. They have gone totally off rail, asking for new documents without any verification or receipts of what documents they have received from us and are asking irrelevant documents like unemployment benefits ( me and my husband are working and have NEVER received any unemployment ). I have been on the phone with them everyday since Thursday, XX/XX/XXXX for at least XXXX hours a day without any concrete answer on why my account was suspended. With bank 's compliance and transparency, they should be able to tell you what they have received and why they are suspending the account. None of that happened here. That's transparency and I have seen NONE of that. All they could was apologize and escalate it to the next level. And ending up asking me to send documents that I have already sent. My husband is halfway through XXXX XXXX and is trying to find similar cases to compare to this and we are gathering all the people whose account have been suspended by Chime without any explanation, who went through the same thing and we are looking into class lawsuit. We found out that there has been numerous complaints to the State Delaware where Chime is incorporated and the FDIC. During the search, we found out Chime had closed or suspended many people 's account without any explanation. I felt so wrong to put my household in this predicament. And now our almost $ XXXX is nowhere to be found. My objective is to get our money back safely as soon as possible. There needs to be more transparency on online banks like these. There has to be legislation that guides this.
09/11/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • AZ
  • 85142
Web
On XX/XX/XXXX, I received my bank card for Chime bank and called to activate my card. Chime is not safe at all nor do they adhere to FDIC regulations. There needs to be justice for me, to say the least. I have submitted multiple police reports : Incident # XXXX from XX/XX/XXXX ( the day I filed the dispute that was denied and the same day the {$920.00} unauthorized XXXX XXXX went through ). I was on the line with the dispute department when they told me that {$8400.00} was withdrawn from my account which was unauthorized. I filed a dispute on XX/XX/XXXX and on the exact same day I filed a dispute, Chime let another {$920.00} be withdrawn from my account by the same person who hacked my Chime account even though I called and verified my identity with Chime over the phone and spent about an hour on the phone with them going over all the unauthorized charges on my account. These charges include but are not limited to : XX/XX/XXXX XXXX {$920.00} to affluent {$35.00} XXXX to XXXX XX/XX/XXXX XXXX $ XXXX they definitely need to investigate this charge. XX/XX/XXXX XXXX {$500.00} to XXXX XX/XX/XXXX XXXX XXXX {$310.00} XX/XX/XXXX XXXX : XXXX {$560.00} -- This one I proceeded to call XXXX to investigate and they gave me an address in XXXX XXXX , Florida where this package was fraudulently sent using my card info and billing address. XX/XX/XXXX XXXXXXXX XXXX {$1600.00} - No idea how I could have a physical card in my possession and this charge could have gone through. XX/XX/XXXX XXXX {$70.00} and {$85.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX $ XXXX This is a very important charge because they would've needed to link a driver 's license to this app in order to book a room with XXXX and Chime looked over this information. XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$200.00} $ XXXX I have been trying to find the identity of who used my card on XXXX XXXX to find the culprit but Chime has done nothing and refused to communicate with me because my email was hacked. Banks without actual live XXXX phone support or actual bank tellers shouldn't be legal. Chime is owned by XXXX and they aren't even a real bank. All that the frauds had to do was hack into my chime app and then they had access to all of my funds without my knowledge. Chime still owes me the {$920.00} remaining in my account that was supposed to mailed via check last month ( haven't received anything ). They refuse to recognize my email was hacked and they refuse to send or mail any supporting documentation as to why they denied my dispute that was obviously not me. I was in Arizona when these charges occurred and I have provided my flight ticket.Chime Bank has refused service and deserves to be sued. I have all the documentation. I am just collecting my information at this point in order to get the most retributionas possible.
09/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TN
  • 37209
Web
Hello, on XX/XX/23 I received a text message concerning if I was trying to make a {$760.00} transaction at a XXXX XXXX XXXX stating reply yes or no I then replied no. The number that texted me that then sent me a text stating that I will be receiving a call regarding the transaction that someone was trying to process. I received a call then I let them know that I dont know who or how someone was trying to make a transaction because my card was in MY possession at the time. It was very suspicious to me. I told the agent from chime that I dont allow anyone to use my card nor do I give anyone my information to my account or card!! I was on the call for over an hour trying to see what was goin on and they were able to go into my account to see and they told me that I needed to delete the app and reframe from logging into my account for that day and that they were going to give me a call the next day to let me know whats going on. I did not know wether to believe them or not because it was unusual for them calling me. but I I then reframed from logging in until the next day. On XX/XX/23 Wednesday night, I received a call from the same agent and same phone number from the day before, around the time my deposit was being deposited. I had a deposit hit to my account from my job ( the same time I always get my deposit ) I started to notice transactions were immediately being made. I called the number back to back to back to back to back they would not answer me. I started to get worried about my funds and immediately looked up chimes number and the number I was on the phone with was not the chime support number on the website. I then got in touch with an agent from chime they told me that I was possibly speaking with an anonymous scam chime. She said that she would place my account on hold and restrict all activity being made through my account. I told her I wanted to file a claim for the disputes. I filed 3 claims. The agent told me that I would receive an email regarding my claim ID numbers. I received those. The next day I received an email stating that one of my disputes were closed and denied those funds that were made. I immediately called chime back and asked to speak to someone higher up that can help me reopen and get my funds back to me! They said that the only way I could contact the investigation part was email. So I then emailed them, I sent photos attached to the email showing them my evidence of the transactions on my account. Its XX/XX/23 and I am still getting those disputes denied for I dont know what reason because I did not whatsoever make those transactions! I would REALLY appreciate if someone could help me with this and help me get the money I earned back into my account! I dont know what else to do because chime is not being very helpful at all. Please please help! Thank you
01/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 325XX
Web
On XX/XX/2020 I received my CARES act {$1200.00} payment into my Chime account. My vehicle and debit card were taken without permission by my ex-girlfriend. She then stole approximately {$560.00}. Upon realizing such theft occurred and confronting the thief, I was violently attacked and sustained life-threatening injuries. XXXX XXXX in my head and a XXXX XXXX XXXX. After being released from the hospital, I contacted Chime about the theft. The thief fled the area after attacking me, and was not able to be located by police. Because of it being an active investigation, the police could not release the report to me yet. However, warrants for her arrest were issued for " FRAUD ; CREDIT CARD THEFT MORE THAN {$100.00}, AGGRAVATED BATTERY CAUSE GREAT BODILY HARM OR DISABILITY, DOMESTIC BATTERY BY STRANGULATION ''. Chime 's Disputes team did an investigation, and determined " no error occurred ''. I challenged this determination, and requested a rebuttal. I was informed rebuttals take up to 45 days to complete. Over 60 days later, I contacted Chime regarding the rebuttal. I was told that they determined I did not provide any more information and they stood by their initial decision. This led to me filing a complaint with the XXXX XXXX XXXX. Chime, upon receiving the complaint via the XXXX, promptly closed my Chime account for " violation of the user agreement ''. On XX/XX/2020 the XXXX XXXX Sheriffs Office and XXXX XXXX XXXX Police Department captured the suspect and took her into custody. This allowed the arrest report to be released to me. I provided the report to Chime, and on XX/XX/2020 I was informed by Chime that they " determined an error did occur '' and that " {$560.00} was credited to your account ''. However, as mentioned before, Chime had closed my account months prior to this. So I promptly responded to their email, and informed them that my account was closed and provided updated direct deposit details. Chime then sent me a generic response stating " Any balance due to you will be mailed to the address on file within 30 days of the account closure ''. That was on XX/XX/2020. As of XX/XX/2020, I still had not received a check from Chime for the {$560.00}. I contacted Chime about this, and received a generic response stating " for security issues we can not release any more information regarding this account ''. I promptly responded with an email asking them to review the case, and transfer it to a supervisor, and not to send me a generic response again. Chime then sent me an exact copy of their first response, stating " for security issues we can not release any more information regarding this account ''. Almost an entire year after the theft occurred, I'm still just trying to get the {$560.00} that is rightfully mine. Chime 's conduct is immoral, not right, and straight up illegal.
03/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 75604
Web Servicemember
Last year I had to cancel my card a few timea due to someone paying a light bill and phone bill from XXXX and XXXX XXXX I made a dispute with chime and they came back and said that there was no error on my account I asked to check for duplicate accounts because I have no accounts with either merchant and I did not authorize transaction. The institution said they will not give funds back because there was no error. So further down the year I had about 5 deposits over XXXX each in 5 months and I have multiple transactions and purchases that were sent to my phone unauthorized transactions as if someone has cloned my card using it as their own I filed a dispute the bank claim there is no error and they won't give me my money back which is a whipping total of XXXX I received a student loan of XXXX $ and it show paid on my XXXX but the funds never made it to my account and the money was taken the loan is showing my credit score already I contacted the bank and they declared that there was no error. Not to mention that I have been locked out of my online banking for almost 10 months and someone hacked the account making all of my deposits go strait to my cc card that I have with chime bank which is not how I set the account up. I have sent the same information to get bank into my account over 30 times receiving the same response and no progress of me getting back to my account but more money is coming up unaccounted for and the bank is still telling me there is no error or the transactions did not go through in which they did and some how the hacker has it to were it's not showing on the statement but I receive at text after the transaction has been approved asking if I approved the transaction there were maybe 2 out of many transactions I authorized but there were many over charges and extra charges from the same merchant that wasn't authorized over XXXX at a time there are all send to my phone with a confirmation number receipt of purchase from a town or state I've never been to.bill were being paid and multiple online accounts including XXXX and XXXX 's charged that went through and not shown on the statement but the money is missing and the bank is saying that there is no error and I won't me reimbursed. I know my money is protected by the FDIC and I have fallen behind on bills due to this situation mid point auto and XXXX XXXX who lives in XXXX Texas had access to my information after trying to purchase a vehicle these are all the transactions that appeared on my account and law enforcement is stating on camera that the car lot has infact " stolen my identity '' and has duplicated my card and is making all of these online purchases from out of state with XXXX XXXX from XXXX Texas. And was confirmed that she had access to all of my banking information please help me get my money back please
03/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CO
  • 80204
Web
On XX/XX/XXXX I received a notification from Chime that my checking account was logged into from New York. I live in Colorado, so I quickly logged into my account, changed my password, and then initiated a transfer of all the funds in the account to my main account, at a different bank, just in case someone had gotten ahold of my account information. The total funds in my Chime account were {$35000.00} so when I initiated the transfer my account was frozen by Chime for violating the rules ( later I learned you can't transfer that much money at a time ). I called Chime 's Customer Service team to unfreeze my account and they said I would have to resolve this through their Risk Department, which is only available via email. The Risk Department sends me a template email of what I need to submit to verify my identity and the origin of the funds. The link in the email does not work, I keep calling back and they keep resending the same email to me with a link that does not work. Finally, Customer Service tells me to use the email address XXXX to send my documents which I do on XX/XX/XXXX. I continue following up with Chime in the days and weeks thereafter about the status of my account being reopened and Customer Service continues to direct me to the emails XXXX ' and XXXX ' but I only receive the same templated reply that never answers my question or addresses the status of my account being unfrozen. So, I continue following up with Customer Service and they assure me my money is safe and their team is working on it. Well, fast-forward to XX/XX/XXXX, a hold is placed on my account and I am unable to login into my Chime bank account at this point. I have not been able to verify that my {$35000.00} is in there ( money I have been working hard to save for my first home ). What is even more frustrating is that when I called Chime Customer Service they made me go through the same process as I did in XXXX where I have to send a picture of my passport, license, and picture of myself holding my license with a paper including todays date, screenshots of my paystub, and screenshots of the transfers request from my main bank account to Chime. They have received this information THREE times now, but I never hear from the Risk Team and when I call Customer Service they keep claiming they are putting tickets in with their Risk Department to expedite, yet the only communication I end up receiving is the same templated email requesting me to submit the same documentation I have already sent them. It is a vicious cycle and I have been in tears all week because I just want to get this resolved so I can access my money and move it to another account. I am fearful that Chime has no intention of ever reopening my account and I dont know what to do at this point so I am in desperate need of your help.
07/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WI
  • 532XX
Web
Everything I had saved in my chime account was taken from me ranging from dates leading all the way up to XXXX of XXXX. This account was always used as a savings account and I never ordered a card for it. I disputed the most recent transactions adding up to {$2500.00} last month and it was approved with no problem. The other large amount of money has been a lot trickier as I was not aware that I could dispute that many transactions in one until a representative let me know. The total amount was a little over XXXX XXXX dollars. I first disputed these transactions around XX/XX/XXXX. The dispute was denied in under 2 hours. I just received the documents that was used to come to a conclusion today even though I requested them 2-3 weeks ago which puts them over the deadline they gave me. I opened another one the following day and that one was again denied within the same day. I have provided all the necessary information to ensure that the company understands that none of these transactions were made by me. I provided my XXXX XXXX history showing that I never had a chime debit card connected to it nor have I EVER received transactions from a chime debit card for any of the given amounts. I showed them emails I received of my passwords and pins being changed despite never having a debit card. I provided proof of my chime account being logged into from a different state. One that I have never been to or even know anybody that resides in. I have spoken to XXXX support and there is nothing that they can do for me since I do not know the person that made these visa transactions. The information chime provided to me made this even more frustrating, as It was nothing but pictures of the transactions I disputed with no further detail or explanations on why i was denied. I have called every day since reopening the case and I receive the same answer every single time. It is the same automated script I have gotten since all of this has started. The very few times I have been able to connect to a supervisor and share with them the information that I have, they understand my frustration and have even told me that if it were up to them, I would have already gotten my money back by now. I dont know if that makes me feel better or worse because it tells me that the investigation team is either neglectful or incompetent and regardless of what it is, everybody needs to know that chime is unreliable and nobody should bank with them whatsoever. I have been nothing but patient and respectful with them only to receive nothing in return when I have shown more than enough to prove my case. Hopefully this complaint speeds up the process at least a little bit. I will he providing the same information I provided chime in this complaint as well. Thank you so much for your time. The chime dispute Id number is XXXX
09/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85204
Web
On XX/XX/XXXX, I get back to too back phone calls from my bank, but the claim they dont call people then I proceeded to answer this phone call. I answer this phone Call remind you I am at work in XXXX Arizona. The person on the other line did everything that chime does ask for my name and last for of my social so I did what they ask the person on the other line see you tell me that someone was trying to break into my account that we needed to follow some steps to make sure they didnt get into my account I said thats fine so they did what they did. ask me a few questions and then I got off the phone with them when I got off the phone with them. XXXX minutes later I checked my bank account and my money is gone, so I called them back talk to some lady on the phone and she tells me they couldnt do nothing until after the transactions werent pending no more to call back after they got done painting so the next day which is XXXX, XX/XX/XXXX around XXXX the transaction werent longer pending so I deal with the lady said and disputed the charges within an hour. After disputing charges I could email from them saying there was no error that my phones will not be given back to me so I called them back. They told me they were re-open the case and I will look into it. I said OK within an hour of getting off the phone with them. I get another email saying no error has been found. No refunds will give them back to you. So I called them back when over everything again the agent told me that something doesnt look right and the well put special note. Got off the phone and with a hour got another email say no error has happened and no refund well be given, so I called them back at this point its XXXX XXXX on XX/XX/XXXX talk to another agent and he proceeds to tell me to send documents proving my statements so I did sent documents of the call. Log the text message of me, refusing these transactions and my paystub showing that I was in Arizona at the time and date. Then within hours got another email say no error was found, called them back went through each documents with a supervisor of the dispute team her name was XXXX and she said it looks like fraud. That she would put in special note in my case. I get off the phone with her at XXXX XXXX at XXXX XXXX get another email say no error has happened so no refund well be given. So called them back they went through the same thing and the opened my claim again and to write a email to the support time stating my claim that what I did with in a hour got same email. These people took XXXX transactions happened in XXXX Florida well I was in XXXX az and like I explain to the people one of the charges were at a gas station, so how can I physically be in XXXX Florida making a purchase at a gas station with my card that I have on hand I am in XXXX Arizona.
10/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 95207
Web Servicemember
I was incarcerated on XXXX, and could not find my bank cards, ID, etc. I finally gave up XXXX and called to get a new card and I inquired about the balance and if there was any recent activity on the account since I could not find my card. At that time I was informed there had been activity on my account going back all the way through to the date I began my incarceration. I told them I obviously could not have made the charges and wanted to dispute the charges, which they claimed they would start a dispute ( which they did not do at that time ) they claimed that my card would be deactivated, and they sent me a new card around XX/XX/XXXX which was when I finally gained access to my account for the first time since XX/XX/2021, and I made a {$300.00} withdrawal the day I received my card. I had no access to their app due to being locked out of my email that was on record and I no longer had the phone number on record. I spent hours trying to update my email and phone number, sending pictures of my ID, photos of me holding my ID with mail addressed to me with the same address on record as well as the ID but because my current number was linked to a current Chime account I was not allowed to update neither my email or phone keeping me locked out of their app. After every purchase I would call to balance my account with what I had written down and they would never match up so purchases were still being made online with cards that I was told were no longer active via XXXX. I spoke with multiple service agents and received XXXX different new cards and had been told all 3 times disputes were being started each time. It was not until the end of XXXX that I finally was able to get a supervisor to process a dispute with me on the phone going through each purchase going back to XX/XX/2021. I was given the dispute number of XXXX and was told to email any documents supporting my claim such as documentation of my incarceration. Since they refused to allow me to update my email address on record, they refused to accept my documentation since it did not come from the email address they had for my account. On XXXX I spoke with XXXX who finally gave me a XXXX for my dispute which came to a total of {$4800.00}, and when I asked for an update she transferred me to her supervisor XXXX who simply informed me my XXXX was denied. When I asked why it was denied he said he wasn't sure. I asked for the documents and evidence available to them when they made their decision and he told me they were not allowed to provide that to me, and I asked to elevate my dispute and I was hung up on. I also have {$400.00} sitting in a savings account I am unable to access because I am locked out of their app and they will not allow me to transfer the money to my checking account any other way except through the app.
05/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • SC
  • 296XX
Web
I am an account holder with Chime, and I reside in South Carolina. On XX/XX/2022, I found a charge of {$220.00} on my checking account. I did not recognize this transaction at all. At the time, I was at my job, and knowing this had to be a fraudulent charge, I went and purchased a soda so that when my account would be investigated later, they would see purchases throughout the day coming from SC, which would make the fraudulent transaction appear abnormal to them. I contacted Chime, and they found the transaction was made at XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX. XXXX, KY XXXX. I was instructed to wait until the transaction was officially posted, so that I could file for a dispute. On XX/XX/XXXX, I called Chime customer support to file the dispute. I provided the information that was asked of me, and was told they would investigate my claim. That same night, I received an email that they concluded there were no fraudulent charges, and that I would not be receiving a refund. On XX/XX/XXXX, I emailed Chime customer support, with a detailed description of the events, including images showing dates, time, and purchases, that would seemingly prove I was not the one that made the {$220.00} charge to my account on XX/XX/XXXX. On XX/XX/XXXX, I received a response that I had provided no new evidence to support my desire to reopen my case. They offered to send me the documentation of their investigation, which I accepted. On XX/XX/XXXX, I received their documentation. They did not reach out to the merchant at all during their investigation, which appeared odd to me. Their evidence reads as follows : no account takeover hallmark, disputed transaction is card present transaction process without any fall back errors or suspicious decline codes associated with the disputed transaction, balance exhausted but not over to the XXXX XXXX which suggest that cardholder is aware of the XXXX XXXX, there is a frozen and unfrozen of the card ending within the disputed transaction, no fraud alert, cardholder has funding event prior the disputed transaction through card to card. I did not feel that this was enough evidence to support their decision, especially as several pieces of my evidence directly contradicted their evidence. On XX/XX/XXXX, I reached out to Chime support to raise my concerns over the validity of their investigation. I received a generic response claiming they would open the investigation if there was new evidence. On XX/XX/XXXX, I made one final attempt to contact Chime support. I requested that my email reach someone with the authority to help me with my case. I made myself clear that if I did not get a response from someone willing to help me, that I would file complaints to the CFPB, as well as any other applicable institution. I received another generic response.
08/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 19122
Web
To preface this complaint, Chime has repeatedly abused its power over my finances from the time I started depositing real money into it. From not settling disputes where my card was stolen to taking a year to send a new debit card. This instance saw me go to the ATM to pull out XXXXXXXX XXXX for dinner with my spouse. The ATM dispensed XXXXXXXX XXXX instead of XXXX XXXX After trying to get a live agent on the phone and having the phone system not connect me for 20 minutes; forcing me to send an online message and then demanding them to call me, I went back inside. There I found 3 people, in that short span, all have the same thing happen to them. 2 of the other individuals happened to have Chime as well and could not get a representative on the phone. I received a call from a Chime representative who escalated me to their manager, who transferred me to disputes and then transferred me back to the representative. This rep then transfered me to another manager. They all echoed the same sentiment that the money would be refunded to my account. I explained to them that the ATM processed the transaction as XXXXXXXX XXXX as all it does is scan the bills. Since there are XXXX XXXX where there should be XXXX XXXX the withdrawal would not show I was shorted money. I then withdrew an additional XXXX to make up the difference and to prove that it was not a charade, my funds have been stolen. They told me there is nothing they can do and if that was all. I demanded they credit me back the money pending an investigation. To remove the credit from my account if the investigation turned out fraudulent. They refused. I demanded they check with their IT reps and find the calls they were getting to the same area to see that I was not lying about the faulty ATM. They refused. I asked them to communicate with XXXX about addressing the faulty machine. They did not respond. This institution has made its way by offering cheeky deals to poor people and then using their poverty against them as a tool of control. The reason XXXX XXXX, XXXX, etc don't have these issues is simply that they can not or their deposit base would flee. Foolishly, I believed making more money and increasing my deposits with the bank would allow me 1st class service but today reminded me that I am still a chime depositor. Sadly to Chime, that means I'm just another poor person they can siphon money from. I am fortunate enough that now I don't have to care about the money. But not long ago at all this instance could have stopped me from eating for the week, stopped me from putting gas in my car, stopped me from taking my medicine. This institution needs to be halted and turned into nothing more than 12 XXXX. My hope is that this complaint can lead to a resolution that benefits those that are being exploited.
08/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • IN
  • 466XX
Web
Hello, Ive had issues with chime banking institution. ( XXXX XXXX ) for over a year now I last year in XXXX unfortunately went through and suffered an XXXX scam. XXXX was great I contacted XXXX they emailed me on who I get a hold of sent me all numbers to call for the Federal trade commission and etc the Federal trade commission then help me get my money back well some of my money some of my purchases with this scam was through XXXX and some of them were through regular retail stores where I would purchase an XXXX card over the counter with a cashier. I also had purchase an XXXX cards online through key to benefits card got my money back with them as well they were awesome worked great with the federal trades commission and XXXX. The only place that I did not get my money back with is chime and I have tried over and over and over again to get my money back and every time my dispute is literally settled and literally 24 hours they don't investigate absolutely anything and they always deny your claim always deny it. I literally have every bit of proof of everything I have just stated and yet they still deny my claim to my money I have pictures and receipts to prove with the XXXX gift cards that were purchased in store with the cashier literally the card and the receipt everything matches the times day of the transactions absolutely everything. I was refunded from XXXX to the chime account cuz I paid online for the XXXX XXXX XXXX XXXX so it was through the time card that was paid but it was a card that was connected to XXXX the only money that I had got back from that scam with chime is from that transaction every other transaction they tried to say oh they gave me the money back that one the {$150.00} is the same exact transaction as the one that was refunded through XXXX and it's not as slowly a completely different date different time everything. Like I said all evidence is XXXX XXXX there like this is even a far XXXX to investigate literally any kind of investigator could literally see it and be like okay all this literally matches up there and not only just that I you know like one the case with the Federal trade commission they literally help me get back my money from XXXXXXXX XXXX to benefits with XXXX all that and it's just chime bank that literally constantly disputes my cases and says that they find no error occurred which makes absolutely no sense. And I once again tried the Federal trade commission they can't really enforce anything so this was one of the recommended places to go for my case I'm really just trying to get this off like I said it's been over a year and I still can't win this case in without a doubt this is definitely winnable for me like I said I had already got refunded from every other place with this scam just really looking for help.
11/08/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • OR
  • 975XX
Web
On XX/XX/XXXX my fiance had sent me money on chimes new send to anyone including people without chime accounts, when I received the money it said to put in my debit card info or open up a chime account and earn XXXX bucks, I did some research and decided to go ahead and open an account, so everything was farely easy to open the account and my XXXX dollars was deposited in my new chime account. The next day I went to go buy a shirt from XXXX and when I went to pay with my XXXX play using my chime account it said declined so I panicked and not only that was extremely embarrassed and laughed at. So I went to my phone and tried to log in and boom it said my account had been frozen,, so I called immediately and they said it was no problem just to send in my ID mail and second proof of ID, so I got home and did just that but then all the sudden it wasn't good enough they need something else, in the United States of America birth certificates are considered XXXX form of identification but nope chime wouldn't except it, but I tried to explain I lost everything in the XXXX Oregon fires and ATM its all I had, plus they wanted a bill XXXX my name but at first it was any kind of mail the only problem I have is I'm living with my sister because like said my fiance and I lost our home in the fire so I don't have any bills in my name or they wanted a banking statement but I wouldn't be banking with chime if I had XXXX, so I told them the unemployment letter was from the government and that should be just as good as an electric bill, plus I explained that I just got this new job and the money my fiance sent was also supposed to get me to work and my kid to daycare well they couldn't care less, so i finally got a bank statement mail from a bank account I don't use anymore haven't for sometime but it was a statement like they said I could use but then that wasn't good enough, it's been this huge run around, every time I call they say someone from the review team will contact me in the next XXXX hrs and it never happens I sent them the receipt and stuff from the XXXX XXXXy XXXX saying this was proof until I receive my card and that's still not good enough, they haven't even responded to me in weeks, I don't understand what else to do, it's crazy that their really just gon na keep money that's not theirs, something needs to be done and they should be held accountable for their mistakes, as of now my hours were cut at work cause i didn't have gas to get there and to take my kid to daycare so now I've fallen back in a financial hole all thanks to chime and their uncaring ways, I just want my money or if it's such suspicious activity then give the money back to my fiance I mean if I was scamming the best thing they should do would be give the money back to the person who sent it
11/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85086
Web
On XXXX XXXX I made a purchase to upgrade my operating system as I was having issues and the only fix was to upgrade so I purchased XXXX XXXX XXXX for the amount of {$2.00} from Company name XXXX and this happened to be a side bar advertisement so I decided to give it a try. Purchase was made and email confirmation was sent all was good. So I followed the instructions that was detailed in the e-mail which included the authentication product XXXX XXXXy to activate XXXX I proceeded and all went well until the next morning I tried to get on my computer and the hard drive was making funny noises and didn't sound good... So I was able to get my computer up and running but for some reason I ended up purchasing another copy of XXXX from the same software company XXXX which was on the XXXX XXXX XXXX XXXX for the amount of {$3.00} and same process got email confirmation and receipt of my purchase and everything was good computer was running perfect for what I thought until somehow I started to see a bunch of files scattered all over the place from XXXX XXXX and clips of the XXXX XXXX XXXXXXXX XXXX to a bunch of other pictures I would never in my life ever search for on the internet let alone download or save to my computer, then the system completely crashed and hard drive ended up completely fried and not useable. Well on the XXXX or XXXX of XXXX I was going thru my checking account statement and saw a different amount had cleared my account so I immediately called my bank to dispute the charges. The two transaction amounts that cleared were for the amounts of {$52.00} and XXXX and posting date was Sunday XXXX XXXX XXXX So i opened up a dispute for both charges and was given a credit for the two charges and then the same credits were reversed out of my account as I was told there was no error occurred, but there was a huge error that had occurred and I submitted supporting documentation with the dispute to prove the incorrect amount cleared my account and these charged needed some serious attention to be fixed. I was told there was nothing I could do about the charges and that there was no error on the financial institution side and I even attempted the get the charges fixed by contacting XXXX directly and got no response. So I was left with extra charges and not to mention a computer that was no longer useable so I have been sitting trying to figure out who I could contact to get help with this issue as its stealing and definitly not a way of doing business. So I am trying to see what I can do about these unresolved charges that I should not have to take a loss on considering my bank should have fixed the errors that had occurred with the amounts that I was charged being significantly higher then what I purchased the software for which is listed on my receipts.
06/28/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • OH
  • 45044
Web
For over two weeks I have been trying to work with chime bank in regards to a product they offer called my paycheck. The product offers in advance on your paycheck for up to XXXX XXXX of your paycheck earnings. I had used the product several times, and can show months of several direct deposits received from my payroll. Chime offers 50 % of an estimated amount based on the history of my direct deposits. This estimate has always been roughly {$860.00} which allowed me to take in advance of XXXX. Chime had allowed me to do this several pay periods and then recently the product has started reporting my estimate earnings way lower than ever before. I contacted Chime because it did not make sense as they were connected directly to my payroll through XXXX and they had been receiving my direct deposit every two weeks from my employer for over a year so theyve had plenty of data to create a better estimate. Also, my Pay has never decreased its actually increase and I have allowed more of my paycheck to be deposited into Chime and efforts to help build my credit with her chime credit builder card. Chime not only is set up with my direct deposit, but also linked directly to my payroll company XXXX, which means they have access to all of my personal data. Since they have access to all this data, I find it deceiving and not right that they can report an accurate data. Today XX/XX/2023 I logged in to my Chime app and noticed my paycheck product now only offered XXXX XXXX of my off estimate earnings when it had been XXXX XXXX for months. I am currently going through a state of emergency were the advance funds I was hoping to use from the my paycheck feature to help me get through till my direct deposit. Not only did the percentage change but again the estimate earnings is still not accurate and has been somewhat accurate for months until now. I just talked with one representative and two separate supervisors because I was getting different answers. At one point a supervisor named XXXX told me completely wrong information which escalated it to another supervisor who could only tell me that they would escalate it further for the technical team to look at this continues to be the roundabout I get every time I try to work with Chime, and nothing gets fixed. I expressed to chime in their XXXX. How negative this feels against the consumer when me, the consumer did nothing for the negative impact. There is no reason I shouldve dropped from XXXX to XXXX XXXX and there is no reason my estimated earnings should be lower than they ever have been when I am having more deposited into my Chime account then before. I understand there are guidelines for the product, and I have read through all of them and I can not find one that I have broken in order to cause this issue.
04/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 34668
Web
On XX/XX/XXXX XXXX XXXX my account was charged XXXX USD. I did not make this charge so I promptly called my XXXX technology company ( Chime XXXX XXXX ). They told me that I could either ( a ) contact the merchant or ( b ) wait for it to clear and file a dispute. At this time they were unable to provide information on the merchant and because I did not authorize the charge I did not know who the merchant was so i waited for it to clear. On the the XXXX the charge cleared and I reported as fraud orally ( on the phone, and filed a claim ). The claim was promptly denied on the XXXX. They did not tell me why and said that i could file an appeal ( rebuttal ) with supporting documentation. I did not have any info such as receipts because I did not make the charge. I requested the documents that they used in the denial as well as filing a cyber claims report with the FBI and sending the report to them. I was unable to file a local police report, because the local department required a current month statement and chime could not provide that to me. Chime did issue me a provincial credit on the XXXX after I had submitted the rebuttal. On the XXXX they sent me the documents they had used to deny the claim. These documents did not include some of the information required by regulation XXXX XXXX Including the type of transaction, name of financial institution that initiated the charge and the location of the terminal that the transaction was made at. The denial reason was that because I had used my card that day I was in possession of my card and no one else could of had access to my card information. They also made a false statement they stated I said a different card was used, When I had clearly stated that Someone else had made a transaction using my card information. These statements are not the same as the statement they use implies someone else had a different card and it charged my account and my statement implies that someone had access to my card information and used that information without my permission. I asked for clarification on the information not included in the report that is required by regulation E, They sent me the same exact documents that still did not include the information I requested. Such as the location of transaction, type of terminal used/ transaction ( Ie : atm, online POS, retail pos ) and the name of the financial institution that initiated the charge. This information is important for the claim for both parties as If the transaction was made online the person who mad the charge would not have needed my pin to make the charge and if it was done at a physical location i would be able to contact said location to verify who made the charge. Without this information how can one say that i made the charge.
09/14/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • OH
  • 441XX
Web
I bank with Chime bank account, an online bank. On XX/XX/XXXX at XXXX there was a transfer for {$1000.00} from my savings to checking account then made from my checking account to someone else by a pay anyone transfer it says for me I noticed the next day and called immediately after I saw it to file a dispute, it was around XXXX on XX/XX/XXXX. The next morning, XX/XX/XXXX, at XXXX I received an email saying that the investigation was Over no error was found. I called right back and said I need it te investigated, look into it more this has to be a mistake. I also asked for all transfers on my account to be blocked for the time being, which I was told was not possible. I filed the dispute, sent in any emails from them I had, and every time they replied no error found On XX/XX/XXXX at XXXX {$2000.00} was transferred from my savings to checking a account, then a {$1000.00} transferred by the pay anyone transfer to the same person. This time for rent I called back immediately the next morning, again filed disputes and got the same reply, no error found I changed my email and password again, ordered a new card, blocked the person this money is being transferred to, kept reopening the disputes and they kept closing them shortly after with the same reply. I called and spoke to many people with no help. Emailed them and sent in whatever screenshots I could, let them know that I would not even pay somebody for rent as it comes right out of my paycheck form my job because I work in the leasing office of an apartment building. I always got the same reply. I started giving up and just trying to move on, I figured I just lost the {$2000.00} and had to keep going. Now on XX/XX/XXXX at XXXX, months later, I notice ANOTHER TRANSFER for {$2000.00} from my checking to savings account, then again the pay anyone transfer for {$2000.00} to the same exact person. I noticed it when I got back from a weekend trip to West Virginia. I called immediately that morning. Said I need that disputed along with my previous two reopened, they said they. Oils not reopen the last two but can dispute the most recent one. I spoke with a supervisor and pleaded my case to her, something had to be able to be investigated more, I need all three reopened and something done. This is {$4000.00} in 3 months, that is not right. After my cases were reopened I got the same reply shortly after, no error occurred. I feel as I am not being takin seriously or anything looked into at all. I have asked about any options we have to secure my account and how to prevent this from happening as well as how can I get my money back. I have submitted police reports and any documents they asked for, and every time after every dispute a couple hours later no error found something had to be done about this.
05/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 95356
Web
I got a notification on My phone from XXXX for {$16.00}. This charge I had no recollection of authorizing. I call Chime to dispute or stop the transaction. Chime informed me that I could not do anything about this, because the charge was still pending. I Chime customer service informed me that I could call XXXX XXXX try to get the charges stopped or refunded. So I XXXX XXXX and I hit the first link I saw it said XXXX Customer Service this the phone # XXXX ( XXXX ) XXXX. Someone answers an says how can I help You. I tell them about the unauthorized charge from XXXX the XXXX rep. says he can help with this. He says in order to refund you I need to download XXXX. I'm not computer savvy like most people are today. I do as ask & he also walk me thru the process of installing it into my phone. Once installed the XXXX rep. says he is transferring me to their refund department. Once there a XXXX XXXX XXXX answers. I tell him about the charge. I have been on the phone for close to 30 minutes at this point. The call was bad & disconnected. However the XXXX XXXX called back from phone # XXXX. We continued speaking about the charge & that I wanted it canceled. He said he could help an asked is the XXXX & my Chime account open. I reply yes. He tells me all my account funds must be in my checking. I ask why. In my Chime account I had checking : {$56.00}, credit : {$93.00} & savings : {$1400.00}. Which totalled {$1500.00}. At this point he had total control over my account. He moved everything in checking. I ask why. His reply he is just doing his job & said the money will be put right back. My wife over hears this and says this sounds like a scam. We notified them that we were calling the Police, which we did after I called Chime. This is where I have an issue with Chime. Chime would not stop the {$1500.00} transaction saying it already went thru. Even after I told them this is a scam/fraudulent transaction. I couldn't stop the XXXX charge because it was still pending. I can't stop the fraudulent scammers transferred because it went thru. Which is it? Any other Bank would of stopped the transaction or credited back my account. I also sent Chime a Police Report I filed with the XXXX Police Department for the fraudulently scam case # XXXX. Chime has rejected my claim three times. I talk with Chime Reps. across the world to no avail or I can not understand their language. I understand how this may look. However in the moment all I was trying to do was stop the unauthorized charge of {$16.00} & thought I was talking with XXXX. I have never had any fraudulent activity or is this a recurring issue for Chime to have denied my claim. I honestly hope this issue can be resolved. I have been a loyal customer of Chime. However it seems they do not value that.
03/21/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 95503
Web
I was scammed out of {$4500.00} through the pay friends app on my banking app. I immediately contacted the bank to inform them that the transactions were not authorized by me and that I wanted the transaction reversed. The bank said all i could do was file a dispute and advised I make a police report. I made a report with the local police as well as the FTC. The bank knows who took the money since they too have the pay friends app. I told the bank the transactions were done through a shared screen as I thought I was speaking with someone from tech support who would be helping me with my account, not stealing from me. I have submitted the case numbers for both reports I filed a long with a detailed email stating what happened. I had gotten a student loan for a vehicle purchase, and I was trying to transfer money to the zelle app from my bank for payment of vehicle. I thought I had called zelle customer support the guy told me he would have the tech guy call me back. When I received the call from the guy I thought was tech support he proceeded to take 3 transaction 2 for {$2000.00} and 1 for {$500.00} each sent thought pay friends on the chime banking app. After the first transaction the guy assured me the money would be put back and while waiting for the money to be put back he completed the other two transactions wiping out the funds in my account. The bank investigated and found no error. I asked for the details how they reached there decision and found several questionable reasons. I contacted the bank by phone and email requesting answers to these questions of how they reached their decision. I was told someone would contact me which has not happened yet the event took place on XXXX since then I have been required to reopen my dispute several times then I filed a rebutttle a long with information of their misinformation in coming to their decision. I live in a rural area and attend college not being able to get my money back to buy a car has caused me much stress and anxiety as I have to travel by bus 50 miles one way to school. I have missed drs appointments and have to spend 8 hours at school for a 2 hour class due to the bus schedule. I have stated to the bank time and time again that I did not authorize those transactions. Still nothing has been done about it the bank is allowing thieves to steal my money they have information about them since they too use their service.In my opinion they have basically aided and abeded those criminals when they did not cancel or reverse those transactions. I have done all the bank has asked and submitted all information they have requested, still they don't take what I say into consideration. I have yet to speak personally with someone about this issue I only get generic email responses back
10/01/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • OR
  • 97058
Web
On XX/XX/2020, I deposited a {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX, a federally recognized Native American tribe. Chime cashed the check without any issue. On XX/XX/2020, I deposited my second {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX. Chime cashed the check without any issue. On or about XX/XX/2020, I deposited my third {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX. Chime rejected the check and said, " We've reviewed your check deposit and, unfortunately, we were unable to verify your check, and therefore unable to proceed with depositing it. Verification failure typically occurs when the check appears in an unrecognized format. '' There is nothing " unrecognized '' about the format of the check. It is the same exact type of check I have deposited to Chime two separate times. I then received my fourth coronavirus relief payment from the tribe and attempted to deposit it on XX/XX/XXXX. Chime, once again, rejected the check and said, " We've reviewed your check deposit and, unfortunately, we were unable to verify your check, and therefore unable to proceed with depositing it. Verification failure typically occurs when the check appears in an unrecognized format. '' Once again, there is nothing " unrecognized '' about the format of the check. It is literally the exact same, apart from the check number, as every other check I have received from the tribe. I have attempted to reach out to support about this multiple times, both via chat, phone, and email, and have not once received anything resembling an attempt at a resolution. They are unable to tell me what was " unrecognizable '' about the check, and even when speaking with a supervisor, they just tell me their " check department '' says the check is " unrecognized ''. This is vague and unhelpful, and because Chime has registered an attempt to cash the check with the associated check numbers, XXXX XXXX, another financial institution, is " unwilling to accept the risk of cashing the check due to the appearance that another institution ( Chime ) may have already cashed it. '' I am pretty sure this issue boils down to something stupid like Chime 's " check department '' misreading the check number and/or thinking these are duplicate checks. I was able to deposit the check from XX/XX/XXXX into my mom 's bank account ( with XXXX XXXX XXXX ) as a one-time courtesy, but they are not letting me endorse the check from XX/XX/XXXX over to her, and I am unable to open a bank account with another institution at this time. Essentially, though, Chime has made it impossible for me to obtain the money on this latest check, and as these are coronavirus relief checks I am UNABLE to have them reissued.
12/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 31405
Web
On or about XX/XX/22 I called XXXX Customer Service ( a number I got from XXXX, which should be legitimate ) to report MULTIPLE attempts to have XXXX MONTHS of UNAUTHORIZED Subscription fees credited back to my Chime checking account. I had already called MANY times before CANCELLING these subscriptions, some never ordered. The XXXX Customer Service Representative ( which turned out to be FAKE and the number a SCAMMER/HACKER number ) had me verify my identity by sending a copy of my driver 's license and a Selfie in order to service my account. I didn't think it strange but found out later that gave him access to EVERYTHING of mine. He had me download XXXX apps ( XXXX XXXX XXXX ), which I DID think was strange but I wanted my account credited as I had been trying for XXXX MONTHS to get it credited. I found out later that XXXX is a Spyware app that allows ANY person to access ANY device and ALL the data on it and make it look as if ( with the person 's ID and selfie ) that person is making these transactions from their device and suffer the consequences and financial ruin associated with these transactions. This XXXX transferred {$250.00} to an XXXX XXXX account and STOLE my money! He asked about ALL my other accounts ... XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, etc and TRIED to get MORE money as well as get me to go into XXXX while I stayed on the phone with him and purchase MULTIPLE XXXX XXXX cards for $ XXXX {$500.00}. That's when I stopped it and hung up! I told him I KNEW then it was a SCAM and ALL my money BETTER still be there. I went from the store ( XXXX ) to the gas pump because I was on empty. The pump stopped at {$2.00}. At that time gas was over $ XXXX gal so I wasn't able to even pump one gallon of gas. I live on a very small fixed income ( XXXX ) and had NOTHING to live on until the XXXX of XXXX, when my check was deposited into my XXXX XXXX card, which he NOW had my account/routing number to as well as ALL my other financial information. I reported this to XXXX, XXXX, XXXX, Chime and FTC. I have tried for all this time to get my money back from XXXX and/or Chime. I didn't get my XXXX CHECKS for 6 MONTHS after that. ALL my insurances and auto payments were CANCELLED, my license SUSPENDED, EVICTED and NOW living in my car, which I have had to pawn the title to about to be REPOSSESSED right before XXXX. I NEED HELP getting all this money back! My credit score was XXXX. Now it's XXXX. It's RUINED my credit and DESTROYED my life! I even went to the Social Security Office and got NO HELP! I have tried for the past 5 YEARS to rebuild my credit but these HACKERS/SCAMMERS have targeted me and have ALL my information. It's been sold on the dark web. What do I do? PLEASE send a copy of this to my email address XXXX XXXX
07/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OH
  • 44313
Web
On XX/XX/XXXX and XX/XX/XXXX my Chime saving and checking account was hacked. Two payments in the amounts of XXXX and XXXX were withdrawn out of my account. I contacted Chime immediately and they advised me on how to process a claim over the phone, the funds where back in my account with few hours. Chime closed my checking, savings account and my visa card a week later. There was no calls warning or update that i wouldn't have access to my checking or saving account which totaling XXXX! I recently changed my direct deposit from my employer to Chime from XXXX bank. I was XXXX XXXX to find out the day after my direct deposit was finalized that Chime closed both of my accounts and deactivated my bank card. I have NO access to my money in myChime. I can not speak physically to a person they tell me to email and wait 24 hours for a response. THAT IS ABSOLUATELY UNBELIEVEABLE! Chime is an online banking establishment there is no physical location to go into a branch and you cant even speak to a person on the phone after your account is deactivated! Your money, your paycheck, your livelihood! The only option is to email customer service. I emailed customer service. In the email they state the process of closing an account. That for privacy terms they can not explain over the phone what is happening with my account and that the funds in my account would on hold for 15 days! After that my money would be mailed to me by check and could take up to 45 days! I have the emailed all saved. I had to email several times after waiting to get an update on the tracking number or status of my account. This is unacceptable behavior to be treated this way with no answers as to what is going on with my money! I get the check in the mail finally, and at this point I to open a new account at XXXX XXXX. I deposit the check mailed to me from chime, XXXX XXXX placed and additional hold on the check deposited from chime. XXXX XXXX XXXX fraud dept returned the check and stated it was Fraudulent! Meanwhile I received another check from Chime that was overnighted for the exact same amount. I spoke to a teller at XXXX XXXX who stated the check looked unusual she remembered when I deposited the check. She asked if the Chime was spelled correctly I advised the check i have is spelled XXXX REFUND. Now XXXX XXXX has closed the new account I opened and it is showing XXXX and they Fraud dept stated I deposited a fraudulent check when I am the Victim! My Credit score which was on the raise is now plummeting! My saving and checking funds totaling XXXX are still being HELD BY CHIME! I am trying to find a place to live for my daughter and I and this is so stressful I have NO MONEY TO MY NAME TO FEED MY DAUGTHER OR MY SELF! PLEASE HELP ME GET MY LIFE BACK!
12/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77380
Web Servicemember
Personal information, social media accounts, email accounts, and all banking accounts that I own have been compromised. I purchased a used unlocked XXXX while overseas working with the Department of Defense in XXXX. Phone had malware already downloaded on the device, unbeknownst to myself until a week ago. However, Im more upset that money was being funneled from my Chime account slowly for several months, and this bank did not flag anything as suspicious at all. While Chime is not my primary banking institution- I do check it every once in a while, but not so often. I use it for recurring subscriptions, to send money to my mother, and pay cell phone bills. My income and investments are deposited to my XXXX XXXX XXXX XXXX account. Looking over several statements- one particular merchant has been charging money utilizing my debit card number almost every other day since the purchase of the phone. There are several duplicate transactions that were made, and still no security or fraud alert from this banking institution. Surely charging my account down from thousands of dollars to XXXX dollars every month by the same merchant should raise a red flag. But it did not with XXXX XXXX Chime . I assumed all of my bills on auto pay were simply coming out. Im very convinced that maybe this bank is aware that it can easily be hacked and allows its consumers to be scammed, and not even rectify or reimburse unauthorized charges. And its evident that they can not be counted on to protect consumers from this type of thing happening in the first place. This bank is consistently a target for fraud, at the expense of its consumers. Especially being a XXXX veteran who deposits my XXXX portion of income directly with their bank due to convenience. The convenience has now become an inconvenience. I do not feel safe depositing anymore large sums of money with this institution, and I do not believe a sufficient investigation has occurred or will occur. Its went on for far too long with negligence. The merchant used to funnel money is a cash gaming site that allows users to deposit money and withdraw the funds via XXXX. Everything all around s screams scam. I am a victim of identity theft. Ive already filed a police report with XXXX police department, an indenting theft report with the FTC, a complaint with the FDIC, and now a complaint with the CFPB. Because my finances were not protected at all. Nobody cared or ever batted an eye at the clearly suspicious activity! Only when I caught on myself. Then I was asked why didnt I say anything- when I just saw everything. Why didnt my banking institution notice? Why didnt they alert me? Most banks have you to physically call to verify charges that are suspicious. This bank did nothing at all.
11/03/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • IN
  • 46260
Web
On XX/XX/2021 I've purchased XXXXXXXX XXXX XXXX XXXX from XXXX for {$140.00}. On XX/XX/2021 my ordered finally arrived, but when I opened my package the order was wrong it was XXXX XXXX XXXX clothes. I contacted XXXX about the order issue the same day I received the package and they responded with " If you would provide photos of the items you did receive so we are able to share with our fulfilment team ". I sent my order number with the products I purchase and the products I received in the email, but after that no one have gotten back in contact with me. So XX/XX/2021 I reached out to the XXXX customer service once again asking them will the order ever get resolved sadly no one from the company reached out to me so I put in another order complaint through the website still no one reached out to me or fix the problem. On XX/XX/2021 I put in another complaint through the company 's website about bad customer service and my order. After having unsatisfied service I decided to just dispute my order through my bank account Chime while still contacting XXXX about my order. On XX/XX/2021 XXXX finally responded " We see that they have filed a charge back and unfortunately, at this point we are unable to process a refund or a replacement order. Please work with your bank for final resolution. '' On XX/XX/2021 Chime responded back to inform me " Based on there investigation no error occurred so this claim is considered closed ''. So I reached out to Chime Customer Service team over the phone and sent evidence of my wrong order issue through email as the employee told me to do. Then was transferred over to the dispute department to talk to someone. An automated response was email to me letting me know my written claims form has been received and being reviewed by the Dispute Team. XX/XX/2021 Chime responded once again saying the additional information I provided did not change the company 's decision and no error occurred. So on the same day XX/XX/2021 I reached out to Chime Customer Service again and the employee repeated the same solutions " send evidence " so I sent the same evidence as I did the last time hoping the issue gets resolved after having to keep repeating the same process over and over again. I've been waiting for a responded about my status so finally decided to give Chime another call. Sadly my claims didn't even have a status because the employee never sent over any paper work about my claims. So I asked for a manager and she told me the same thing " Send over evidence " so after getting the run around I asked the Chime Manager can I have corporate number but she refused stating Chime doesn't have a corporate number and no one over her can help me with the situation but her. THE SITUATION NEVER GOT SOLVED!
08/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WI
  • XXXXX
Web
This has been going on for so long I am not even certain anymore of the start date. But according to their record, I i initially reported this on XXXX. So it's been almost a year of this. It began with a dispute over 2 transactions taking place in Indiana. One at what I believe to be a convenience store, the other, an atm. In no way do these transactions match up with any behavior found on my account, easily seen. They were given evidence, and made aware of the theft of my identity, and a plethora of more data. The evidence they supplied regarding these disputes is a single page pdf, with assumptions, not clear evidence regarding why the amount of money I did not authorize being taken was denied being returned. I've supplied hundreds of pages of legal paperwork, while they have only supplied the same single page pdf, and also sent a pdf regarding another dispute that invalidates their information regarding the physical possession of my cards, and personal data, upon which they falsified that I was in possession of my card. Even though I sent them evidence from another company proving other instances my identity, and chime card, for that matter, were used. I was at a federal holding facility, and can easily prove what I was released from that facility with, no cards or phone is on the property form. I have reopened the dispute a multitude of times, called more than 50 times, and they have no file, no record, nor any copies whatsoever of any information sent. The amount owed has changed, they tried to use falsified IRS documentation, stating my IRS data didn't match the account, which is a complete fallacy, to attempt to close the account, without even notifying me. I can prove beyond a doubt, that I did not make these charges, and the company is denying the fact that my fighting this, were they able to prove it was me, would put me back in prison, as it would prove I absconded to Indiana, without Parole permission. There is an insurmountable amount of evidence proving deceptive business tactics, they blatantly ignored what was stated in a XXXX complaint, and wrote a response having nothing to do whatsoever with my claim. This has all turned into a ridiculously lengthy and convoluted battle, and I am not the first this has occurred to. There's literally thousands of examples of their tactics, plastered all over the internet. This is, and has turned in to, blatant fraud, and has cost me more than what is owed, in hardship, and time. I have not once spoken to anyone representing the actual organization. Only looped between customer support, over and over, 7 times in a single call, at one given juncture. Your system for uploading evidence is tough at least, but at command I can provide a far better cross section.
01/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MD
  • 20745
Web
I have been using the chime banking service for 3 years with great results. on friday XX/XX/2022 my checking, savings and Credit card were closed suddenly at XXXX via this email. " XXXX XXXX, Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022. If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2022, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. '' I was never call or contact out side of XXXX emails. I attempted to call the customer service only to be deferred to the support chime email. I contacted Chime through intsagram and XXXX only to get the same prompt telling me to expect an email regarding the matter. on monday XXXX XXXX 2022 i received and email form customer support to send documents stating my case " Thanks for reaching out to Chime Member Services. Let me inform you that I was able to see that Chime has identified loads to your account not in compliance with its internal policies & the member agreement executed at enrollment. To potentially access any remaining funds, send govt ID, secondary ID OR proof of address, an explanation, & any docs you have verifying the source of the account loads & yourself as the intended recipient. '' I sent XXXX government ids, a list of my recurring deposits and returns from the last 3 months. and was told to wait 2-3 days to be updated. As XXXX pm XX/XX/XXXX I had not received anything prompting me to send another email only to be told " I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies '' I have read this article thoroughly and determined none of my actions violated their user agreement. as I thought this was a simple mistake ii assumed it would be handled as chime had exhibited excellent customer service to that point. But Chime has be been purposely making this process impossible to deal with via normal means of communication. I've learned many others has experienced the same issue as a part of their fraudulent activity security system. I read their agreement nothing I've done is in violation. All deposits ive made were repeat transactions over the past year.
09/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • NJ
  • 08723
Web
On XX/XX/XXXX I got a Robocall from CHIME, stating I won the XXXX Giveaway they were having that day. I was told to go to the link they provided and fill out form to get my 6 digit winning code. I clicked on link and filled out form which included my full name, address, phone number, and it looked like the chime login, so I logged in. I didnt receive a code, I received an automated message thanking me for my inquiry. That is when red flags started going off, and I called the # on back of my chime card at XXXX, but was on hold entire time. I hung up so I could send my brother all my money in my account {$550.00}. I could no longer log in, the thieves had control of my account login, which they changed 3 times with 3 different devices and from NY, they also changed my PIN #, and my phone number. I have all emails stating everything they changed. I called CHIME back at XXXX, begged them to shut my card / account down but I was put on hold. While on hold at XXXX a transaction for {$550.00} to XXXX went through my account. This merchant is supposedly a T-shirt merchant in XXXX XXXX XXXX XXXX I was on the phone the second time for over 2hours, trying to regain control of my account and changing emails, passwords etc. I still dont know if the thieves used my debit card or used my Routing and Account number. On XX/XX/XXXX I started a Dispute, dispute # XXXX. I sent XXXX screenshots I took of the Scam, then of the 3 emails stating changes to XXXX, an email for change of my Pin #, and change of phone number. The proof I have of this scam is irrefutable, so it should of been. On XX/XX/XXXX I received an email from Chime stating my Dispute was Denied due to No Error Occurred! I replied to that email and also sent them a screenshot of my phone log, that shows I was on the phone with CHIME prior to this transaction, trying to shut my account down. On XX/XX/XXXX I received an email stating they received XXXX docs, which was the screenshot of my phone log. On XX/XX/XXXX I called chime directly and asked for all documents that were viewed/ used in my dispute, under XXXX XXXX I am supposed to be granted. Now its XX/XX/XXXX and I called again and they said that my dispute is still in the rebuttal stage and to wait XXXX business days for an update and for an email with all documentation being viewed in this investigation. Chime also emailed me with a new dispute # XXXX. They are sending me a new chime debit card but has yet to change my account # that the thieves had access to. Please help me, I have been sick over this. After reading all the chime complaints with XXXX, over XXXX people have the same story as I do. The only people that got there stolen monies back were the ones that went to a XXXX outlet.
06/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • XXXXX
Web
On Friday, XX/XX/XXXX, I made a {$250.00} deposit using my Chime debit card to XXXX XXXX XXXX located in XXXX, FL for XXXX on Tuesday, XX/XX/XXXX, with XXXX XXXX XXXX. This deposit was to secure my XXXX date. See email titled Congratulations. The total for my procedure was {$8500.00} minus the {$250.00} deposit, leaving me with a balance to pay of {$8200.00}. I also was required to pay {$25.00} for a drug test on my pre-op appointment which would be the day before XXXX. See email titled Congratulations. On Monday, XX/XX/XXXX, I paid off the outstanding balance of {$8200.00} using my Chime debit card. See receipt attached with my name as the title. On Monday, XX/XX/XXXX, I paid the required {$25.00} drug test. My XXXX was rescheduled from Tuesday, XX/XX/XXXX to Wednesday, XX/XX/XXXX due to a scheduling error with the clinic. See email titled Congratulations that details the drug test cost. I arrived for XXXX on Wednesday, XX/XX/XXXX, in which it was then cancelled by the doctor due to a clinic mistake with my medical history. The clinic admitted that it was their mistake and no other doctor at their clinic could perform the XXXX. XXXX XXXX, the XXXX XXXX, facilitied the contact with the Refund Department. See email titled Refund. They agreed to a refund in full of the total paid ( {$8500.00} ) with the cancellation contract being void as this was outside of standard procedure. Unfortunately, I received a lot of issues getting a response about my refund from the merchant 's refund department. See all other attached notes. I filed a dispute with Chime for all 3 charges on Thursday, XX/XX/XXXX after no contact from the refund department by the time I was told I was to be contacted. Chime gave me a provisional credit only for {$8200.00}. On XX/XX/XXXX, Chime ruled in favor of the merchant for the {$250.00} stating that the merchant sent over the voided cancellation contract starting that the deposit was non-refundable. On XX/XX/XXXX, Chime ruled in favor of the merchant for the {$8200.00} stating the voided cancellation contract. No response has been received on the {$25.00}. I followed up multiple times with Chime and requested the documentation that they used to make a decision. I forwarded the emails from the merchant, showing that they had voided the contract and I should be paid in full. I never received services from the merchant and I did not cancel. Chime then proceeded to say that I have not provided sufficient evidence, but will not state what else is needed when I have responses from the merchant confirming I am due a refund with their contracts void. Chime states the matter is closed after many emails. Representatives will not talk to me over the phone.
02/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • MO
  • 65804
Web
On XXXX XX/XX/2022 I received an email from notify@chime.com informing me that the email address associated with my account had been changed. The email addressed me by my mother 's name, not mine. Additionally, I was not aware I had a Chime account so I was very concerned this could be some kind of scam or phishing attack. That same day I replied stating this was an unauthorized change, to freeze the account, and to apprise me of the situation. On XX/XX/XXXX I realized I had never received a response from Chime. I resent the email to their standard support address. XX/XX/XXXX I received a boilerplate response that I would need to contact them from the email address associated with my account ( which was what was changed by whoever was trying to hijack my account ). Otherwise I could submit my photo, government id, and SSN to verify my identity. XX/XX/XXXX I responded with my refusal to provide my personal information on the basis that they had originally called my by the wrong name and I did not trust who they were. XX/XX/XXXX They sent another boilerplate e-mail reiterating their desire for my personal information XX/XX/XXXX I sent an email asking for my issue to be referred to a fraud or oversight department within their company, or if there was a financial regulatory organization I could contact instead of running into their brick wall of boilerplate responses. XX/XX/XXXX I received yet another boilerplate response stating that they need my personal information. Chime has refused to have any meaningful communication with me and I refuse to provide them with my personal information as I do not recall the creation of an account and they are calling me by the wrong first name. The fact remains that they have an account that was until recently connected to my email address and they have allowed a third party to take control of that account. Despite my appeals that this issue be referred to a department that can actually investigate the issues I have been refused any assistance and have received nothing but copy and pasted responses from Chime member services. I think my least favorite part of our e-mail chain was when Chime wrote that " We do not change our customer 's email address without receiving the confirmation and required documents to protect our customer 's account and personal information. " Which, if that was indeed the case, this issue wouldn't be occurring in the first place because this all started based on them informing me of an e-mail change, and I don't believe anyone has a picture of me holding up my id in one hand and a piece of paper with the date in the other. Nobody had that to change my email originally, and yet it was changed just the same...
01/13/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TN
  • 37167
Web
On XX/XX/XXXX, I paid via XXXX a refundable deposit at a car dealership from my Chime account. Provided that I didnt get a car, my deposit was supposed to be returned. After days of not getting my deposit back from the dealership, I opened up a claim via XXXX. While waiting on XXXX to investigate, I also contacted Chime support to file a chargeback. Chime quickly responded with a form to fill out. Around that time, XXXX responded to me about my claim which they escalated. Because I didnt want to cause any confusion, I didnt fill out Chimes chargeback form because XXXX had already escalated my claim. Weeks later, I received a random email from Chime stating that they gave me a {$500.00} provisional credit while they would investigate. Although a nice gesture, it was confusing because I didnt fill out the required form to do the chargeback since XXXX ruled in my favor a day before Chime gave me the {$500.00} credit. This is where the issues start. XXXX issued a refund on XX/XX/XXXX. Chime provided a credit on XX/XX/XXXX. I saw my balance reflect a {$500.00} increase. The same day Chime provided the {$500.00} credit, they literally took the credit back the same day, decreasing my balance by {$500.00}. It was almost as if they gave me the credit for an hour, then snatched it back. Thats not really the issue since I knew XXXX initiated the refund on XX/XX/XXXX, so I knew I would be getting my {$500.00} back. Or so I thought. Days went by and my balance remained the same before the credit/would-be refund from XXXX. Alarmed, I reached out to Chimes support. One agent said that he saw XXXX initiate the refund on the XXXX and that it would be reflected by the XXXX of XXXX at the latest. That never happened. Ive reached out to Chime several times, each time, I got an agent that repeated the same script. No one really tried to assist me. Ive had two agents claim that they sent my issue to the dispute department yet no one has contacted me. Ive reached out several times to no avail, while checking my account to see if I received my refund. No! Basically, Chime never gave me the refund XXXX sent to my Chime account. Chime gave me a provisional credit for hours then snatched it back, before I could even use it. This is unfair to have them hold on to the {$500.00} that XXXX returned to me. I can understand taking their {$500.00} back if they knew I would be getting {$500.00} from XXXX. What I dont understand is how they took their credit back yet never posted my actual refund. Its almost as if my XXXX refund went to Chime ONLY. Chimes only job was to give my refund to ME. Instead, theyre holding on to my money, refusing to rectify this by simply paying me what is owed to me. See attached.
02/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • OK
  • 73013
Web
Almost 3 years ago now my account was hacked and drained of over {$30000.00}. Once empty. The crook then filed disputes on dozens of charges including legitimate ones I made to attempt to get more money. They agreed and gave the crook more money by check and closed the account. The crook was then arrested for cashing the check. I found out when the check cashers called me to verify some info. It took me weeks to regain access to my account and attempted to file disputes for everything that was done. I've called hundreds of times and it's never the same information. Some people would tell me! y dispute had been filed, others would say I can't dispute certain charges because the crook already had. Then after a year of calling was told they were automatically closing because the account was closed and that they would need to reopen to file the disputes. Then I'm told that someone from the " back office '' would reach out to me within 48 hours. I've never gotten one email. They have told me this over 30 times. They tell me the only way to proceed is to wait for the email that never arrives. I've called the corporate office and they direct me to the same phone number. I filed another ticket requesting information on how to start the arbitration process because they require arbitration and I'm told someone will email me. Never does. I had a refund processed to my credit card from XXXX XXXX and I've called to ask where my refund is and I'm told to email. Nobody replies. I'm beyond fed up and someone there needs to address the fact that my savings was stolen by two people now. One who was arrested, the other, Chime who has no competent staff that understands the severity their lack of support brings. One of the transactions the crook disputes was a transfer I made to my new bank for {$10000.00}. When they took back that from my new bank, they closed my account and labeled me a fraudster and I can't open an account anywhere because chime has not acted on anything and fixed their error. I've called hundreds of times spending over 400 hours on the phone over the past two years wasting the one thing money can't buy and that is my time. I've sent police report after police report and they do nothing to return my funds. My business and life have been tremendously affected due to their failure to protect my account. I've not been able to order inventory and have had times I couldn't even put food on the table for days. I'm not rich and can not just walk away from over {$30000.00}. This is my third complaint because the last complaint wasn't even addressed in their response. If my money is not returned I will be arbitrating but I can't even get them to tell me how I'm supposed to do that.
12/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • OH
  • 446XX
Web
On XX/XX/XXXX, I made a delivery purchase from my local XXXX. The total charge pre-delivery was {$220.00}, and that charge immediately posted to my checking account. The largest item in the order was unavailable and, therefore, not delivered. XXXX adjusted my receipt to read the cost of the items I actually received : {$130.00}. A difference of {$88.00}. I received the adjusted XXXX receipt on XX/XX/XXXX. On XX/XX/XXXX, I noticed the full charge of {$220.00} was still pending in my account and I contacted Chime customer support via live chat. I was told, by that agent ( pages 1-2 labeled XX/XX/XXXX in the attached documents ) that XXXX had cancelled the transaction for {$220.00} and the difference would be returned to my account when the charge was settled. The important fact here is that on XX/XX/XXXX, the Chime agent knew that XXXX had cancelled the original transaction of {$220.00}. On XX/XX/XXXX, the XXXX transaction settled and the charge was listed on my account for {$130.00} as made on XX/XX/XXXX. ( page XXXX of attached documents ). However, instead of the difference of {$88.00} being retuned to my account, Chime listed it as a charge ( page 2 of attached documents ). When I clicked on the transaction for - {$88.00} on XX/XX/XXXX, it stated it was an authorization hold that would expire within three business days. On XX/XX/XXXX, I contacted XXXX customer support via live chat to make sure that they were not still encumbering the {$88.00} in any way. This conversation was saved and is contained in pages 1-2 labeled XX/XX/XXXX of attached documents. On XX/XX/XXXX, the status of the transaction for - {$88.00} had changed to " pending. '' ( page 3 of attached documents ) I waited three days ( from XX/XX/XXXX ) and on XX/XX/XXXX, contacted Chime customer service via live chat once again. This conversation was saved and is contained in pages 1-9 labeled XX/XX/XXXX of attached documents. This agent stated that XXXX cancelled the transaction for {$220.00} on XX/XX/XXXX, and that the difference of {$88.00} would be pending for the next seven business days and then released back to my account if the transaction failed to settle. Well, I had already been told by a Chime representative on XX/XX/XXXX, that XXXX cancelled the transaction on XX/XX/XXXX. I called Chime customer service, afraid I was not stating my case clearly on live chat and was simply told I could not dispute a pending charge. The {$88.00} should have been returned to my account on XX/XX/XXXX, when the transaction settled. Chime continues to move the ball and communicate falsehoods about the transactional timeline each time I chat with a representative. I am requesting assistance from this agency.
12/13/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 43613
Web
On Tuesday XX/XX/XXXX of 2022, my Chime bank account got hacked and the phone number got changed at XXXX XXXX My money from my savings account {$400.00} was transferred to my checking and sent to a XXXX XXXX whom I do not know or did I allow this transaction. When I woke up immediately called Chime told them what happened they told me to email the support team for the investigation team to look into and I should get my refund pretty much. I explained in my email what happened and what they told me on the phone so they sent an email back saying they will review my account. I also filed a dispute on my Chime account on Tuesday XX/XX/2022 as well, all I got on Tuesday was emails stating they are investigating and I should hear back soon. On Wednesday XX/XX/2022 at XXXX XXXX is when they sent me an email stating no error occurred therefore no funds will be credited to my account. So I then call chime customer service very confused as to why this happened because I had an unauthorized transaction and I should get my funds. Going back and forth with them talking to a supervisor anyone I can, they said I can file a rebuttal to reopen the claim so we proceed with this on Thursday XX/XX/2022 at XXXX XXXX. I sent a screenshot of the text my phone got saying my phone number for Chime was changed and explained my situation again. I get an email on XX/XX/2022 at XXXX XXXX stating they reviewed my documents but still finding no error occurred and considered this matter closed. At this point Im very upset, I email asking what can I send to prove my account was hacked and I call chime customer service again and speak to anyone I can to help they all say it isnt up to them its only up to the investigation team and I can only speak to them through an email. As of Saturday XX/XX/2022 I talked on the phone with someone and said I had enough evidence to receive my refund and he then reopened my claim. I sent an email again to support chime services with screenshots and explaining to them I spoke to someone over the phone saying I had enough evidence. On Sunday XX/XX/2022 I got the email once again saying they do not find that I provided any additional information to consider related to my claim and said no error occurred claim is closed. I called again on Monday XX/XX/2022 asking if there is anything else I can do because at this point I am furious this is my hard earned money and nothing Im doing is working to get my money back. They say there is nothing more we can do and they apologize, I emailed again asking what I can do to show any more proof because that is my money and I should get it back. I emailed today asking for documentation showing how they concluded that no error occurred.
09/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Trouble accessing funds in your mobile or digital wallet
  • TX
  • 76543
Web
I have transferred {$6000.00} from my XXXX account to my Chime account. Once the transfer was completed Chime sent an email stating that my account has been locked and they needed information submitted to unlock my account. Already knowing due to the amount they would need this information I was already prepared to send over appropriate documents. I got no response and reached out after the first few hours. Member service states they dont have access to view the issue at hand and that all correspondences for my issue needed to be done via email. This has been ongoing since XX/XX/XXXX in which Chime continued to send the SAME emails over requesting for a valid ID, some type of POR, and my bank statements from XXXX for the last 3 months and include to the statement showing the transfer of {$6000.00}. I complied with all request for these said documents, and still have no success in getting assistance with access to my account. The only other email I received was stating that my documents were not valid with no additional information as to why, and to contact member service over the phone. I went ahead and contacted member service again over the phone and they said once again that they do not have access and that I would need to continue corresponding with their back office team via email. I advised the agent then that I have been working on this since XX/XX/XXXX with no success corresponding with her back office team as they keep sending the same email over and over again. I went ahead and also advised the agent that they are requesting a statement for account ending in XXXX and MY account with XXXX ends with XXXX in which they can see on the documents I uploaded if they were reviewing properly. I had another agent that stated because I was sending a PDF form of my ID this was invalid and that I needed to send a picture of my ID. I advised that the email specifically states that all forms need to be in a certain form which PDF was included. All in all Ive been given the runaround with no resolution XXXX has also attempted to pull the transfer with no success. Ive also reached out to their fraud team and advised what was going on with Chime, and was pretty much advised to reach out to the FDIC in regards to this since no success on their end pulling back the transfer. Chime said they do not have any supervisors that they report to so they are unable to escalate my calls. When I do reach out Ive reached out on all social media platforms as well!!! Chimes XXXX team has been the only time Ive received an immediate response via email, but then they turn around and start sending the same email requesting for the same documents that I sent over and over again since XX/XX/XXXX.
11/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 75287
Web
on XX/XX/XXXX i had {$550.00} taken from my credit builder bank account with Chime by XXXX XXXX XXXX, this only resulted because a Chime employee wrongfully informed me about a month ago that i could not block merchants from my account so i would just need to turn off my credit builder card. i have XXXX accounts, my regular checking account and my credit builder account. money from my checking account will go into my credit builder. When i noticed this money had not only been taken from my account unauthorized it was transferred from my checking to savings when i had the button to do so turned off and my card turned off as well. somehow i have no idea those buttons were turned on and i know for a fact i did not do so or authorize so. i called the company and the lady on the phone told me that the information i had been given is wrong. and i could've blocked the merchant. anyway i file the dispute with the lady on the phone and she advises me to delete my credit builder account as well. i told her i want to given i no longer feel safe that a bank employee is giving me wrong information. i then ask her if doing so will my money be refunded back to me properly and it wont interfere with depositing. she said " no '' i kept calling back chime employees to speak to someone higher up about this issue and nobody offered any help or had any desire to help me in my situation. even had some employees insult me. i have records of phone calls with the employees. finally on XX/XX/XXXX the dispute was settled but the money was not deposited back into my checking out. i call and again i was informed how another employee screwed up, they told me i should've never deleted my credit builder account because thats where my money would be given back. i told them i was told opposite. i would call almost everyday and same thing, wrong information, employees not wanting to help, employees not even knowing what to do. they even kept informing me that my money was already given back to me. finally after my XXXX call or more a lady says she can see i never received my {$550.00} back. she said the company would mail a check and it will be there in 30 days. i said thank you and asked if all the information could be emailed to me. she said they would be emailing me everything by the end of the day. i did not receive anything. i call the next day i was then told by another employee they dont offer emailed information because it is against policy, i ask to speak to someone higher up because i need my money they hung up. i called again and a lady told me to message the help center. i email the email address she gave me and i am responded back with " wrong email '' i call again XXXX at a loss now.
03/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 28212
Web
XX/XX/2023 my XXXX account was logged into by an unknown individual and they've ordered two gift cards from this place called " XXXX 's XXXX XXXX. '' The location of this person is in XXXX, XXXX, XXXX according to the bank statement transaction. I reported it the same day to my bank and contacted XXXX. XXXX lied to me multiple times by different people telling me how they handled the situation. The very first time, I called XXXX. They told me that they canceled both cards and reported them to the fraud department. I hung up that day feeling relieved that everything was sorted out. I noticed I didn't get any emails about refunds and contacted them again about it and told me that they were going to process my money refund then and then they wrote me two fake emails like everything was official and solved. Later, I contacted them again and multiple people from XXXX just kept playing around with me like they were gon na help me and kept transferring me to different people who didn't help and only lied too. After that, I gave up with XXXX and called my bank. They told me how they received both my disputes and were gon na raise an investigation on them. Later, I was denied any funds from the fraudulent transactions. I opened a rebuttal to the denial with all the proof ( my location, I gave them my ssid over phone, suspicious websites I went to, etc ) I could and was denied again. I googled the XXXX XXXX XXXX because I didnt orginally know what that was and I found out that I'm not the first person who was charged fraduently by this location on this websibe called XXXX XXXX XXXX Here 's the link XXXX XXXX XXXX XXXX and also that same day I got that strange charge, my email was flooded with scam emails ever since. I today saw that they changed my transaction name to just XXXX and not the XXXX XXXX XXXX. got a new bank card, password, and reset my XXXX account and now I will switch everything over to a new email I've created. There were only two situations in which I may think I have got my details stolen : 1 ) I went to this website called XXXX : XXXX. I had last put my banking information there to purchase something for myself. 2 ) The other was me with someone with XXXX. I gave them my XXXX email address to send me money and we had a " trust '' situation going where I had sold them a game account without any security. The account was sold for exactly XXXXXXXX XXXX the very next day, I've lost that exact amount. The seller didn't have my banking details directly but the game account details was the same email I used for Chime and the same password I use for Chime. " XXXX '' and my old password was " XXXX. '' I don't know what to do so I did research and found this place.
01/05/2021 No
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CT
  • 06776
Web
On XX/XX/XXXX I mobile deposited a check with Chime. After realizing a short while later I called Chime to cancel the transaction, which they offer as a service. After waiting on hold for nearly 2 hours a representative answers and I explain what Im looking to do. She advises I need to speak with a supervisor and transfers me. I wait on hold for another 45 minutes and finally get connected. I explain to the supervisor I want to cancel my mobile check deposit so I can take it to the issuing bank and cash it. The supervisor tells me no need to do that because all of my funds would be available that night between XXXX. After hearing that I decide not to cancel the check thinking I will have my funds when I wake up. Next day wake up and no funds. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was advised by every representative I spoke to that all of my funds would become available shortly after our call ended. On one of the calls the representative even said he was sending a note to the processing team to speed it up and assured me that within 30 minutes to 2 hours I would have all of my funds. Again here we are its the 5th and still no funds. Yesterday I called and asked to speak with the highest manager which I was connected to after 3 and a half hours of being on hold. He claimed he was opening a case to review all of the calls and would also try to speed up the process of releasing my funds. Told me to keep an eye on my emails because someone would be contacting me soon regarding the situation. Its now 24 hours later and I have no heard from anyone. Bottom line I was mislead and lied to on multiple occasions. My original plan to cancel the deposit so I could go to the issuing bank was changed due to a lie. Had I been informed of the actual process and timeframe it would take for this transaction to happen, I never would have just left the check in the bank. This was a check from my employer for emergency funds which I could of had almost a week ago now had I not been mislead and lied to repeatedly. This is the worst customer service Ive ever seen in my entire life. The check was for {$1200.00} of which {$200.00} was released the day after depositing. My account with them has monthly direct deposits of between {$15000.00} - {$20000.00}. Im finding it incredibly frustrating with that amount of money going into my account they can not release {$1000.00}. I would not be upset at this situation had I made the decision knowing it would take nearly 2 weeks to process. Again I was mislead and lied to by 3-4 representatives and 2 supervisors. Chime has the worst client service team Ive ever experienced and they clearly could not care less about their customers.
05/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 32092
Web Servicemember
I am writing to bring to your attention a pressing matter concerning the closure of my checking, savings, and credit card accounts by Chime, a financial institution I have been banking with for some time. The sequence of events that transpired, as well as the questionable actions taken by Chime, have left me deeply concerned and in dire financial circumstances. To provide a comprehensive overview of the situation, I will outline the events in chronological order. First, my checking account was closed without any prior explanation. Chime explicitly mentioned that they would seize the funds in my account, disregarding any attempt to clarify the reasons behind this action. At the time of closure, my checking account contained a total of {$10000.00}, which included an amount of {$5500.00} that had been deposited prematurely from my IRS tax refund. According to the IRS tax refund tracking information, this amount was not scheduled for transfer until XX/XX/XXXX. Thus, Chime not only illegally held onto these funds but also waited until a check of {$3400.00} cleared on XX/XX/XXXX before closing my account. It is worth noting that, perplexingly, the closure email I received was backdated to XX/XX/XXXX, despite having full access to my account throughout that entire day. In an attempt to understand the motives behind the account closure, I must highlight that I had recently filed a dispute regarding fraudulent charges amounting to over {$2000.00} on XXXX XXXX, which Chime had denied just a week prior. The alarming coincidence of the account closure aligning precisely with the date a significant check was due to clear raises suspicions of foul play. Moreover, as Chime is my sole banking institution at present, this abrupt closure has left me completely deprived of any means to support myself financially. Given these circumstances, I kindly request your immediate intervention in this matter. I implore the Consumer Financial Protection Bureau to investigate the actions of Chime regarding the closure of my accounts, the illegal seizure of funds, and the potential retaliatory motives for their actions. It is crucial to determine whether Chime has violated any consumer protection regulations or engaged in any unfair practices that may have led to this distressing situation. I genuinely appreciate your attention to this urgent complaint and your commitment to safeguarding consumer rights. I eagerly anticipate a swift resolution to rectify the financial hardships imposed upon me by Chime 's actions. Should you require any further information or clarifications, please do not hesitate to contact me at your earliest convenience. Thank you for your time and consideration.
07/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IL
  • 62234
Web
In late XXXX I seen a charge for XXXX to my account I called chime said I did not no what that was and that my debit card has never left my site n Noone has ever had access to it I live alone. They gave me provisional credit n I was satisfied they said I had to kill my card I said that wasn't necessary but agreed on XX/XX/XXXX they took credit back. Said that they investigated n that I Made the purchase I said I absolutely DID NOT. N DEMANDED THE XXXX INFO. TO THIS DAY I XXXX FIGHTING CHIME N THEY PUT ME OFF ON A REBTTEL. I JYST GOT WORD IM NOT GETTING MY MONEY BACK. ALL THE INFO THEY GAVE ME ON MERCHANT WAS " PHONE '' NO ADDRESS NO NAME OF COMPANY NO PHONE NUMBET. I SAID WELL IF THEY INVESTIGATED THEN I WANT TRACKING NUBER TO WHAT I ALLEGLDY PURCHASRD BC I DID NOT RECIEVE ANYTHING FOR XXXX. ..ITS BEEN 8 MONTHS. THEY HAVE ERASED ALL RECORDS OF THAT DISPUTE. I TRIED TO RELOOK TO MAKE SURE IM GETTING THE AMOUNT EXACT. N NOW ITS GONE ALL OTHER DISPUTES ARE TGERE. THEY. CHIME ENDED UP CLOSIBG ME OUT OF MY ACCOUNT WHERE I CLD NOT SEE MY MONEY. N ALL MY TRANSACTIONS WERE ON LINE BC I DOD NOT DROVE AT TIME. THEY LOCKED ME OUTA MY ACCOUNT FOR XXXX DAYS. THEY WLD NOT LET ME HAVE ACCESS TO MY MONEY OR EVEN SEE IT ON LINE IT WAS JUST GONE. I TOOK XXXX TO N FROM WORK. I ALMOST LOST MY JOB BC I HAD SO MANY POINTS ACCUMULATED IN THAT XXXX DAYS THEY WLD NOT RELEASE MY FUNDS TO PAY XXXX I ALMOST HAD A XXXX I WAS SO SO DEVASTATED AND DISTRAUGHT THEY WLD NOT TALK TO ME ON PHONE KEPT SAYIBG I HAD TO EMAIL IT WAS A NIGHTMARE. WHEN I GOT BACK TO WHERE I CLD SEE MY ACCOUNT I WENT STRAIGHT TO ATM TO GET ALL MY MONEY OUT OF THAT ACCOUNT. N MY CARD WAS CANCELLED. WITHOUT ME HAVING TO RELIVE IT ALL LETS JUST SAY THEY ARE NOT BEING TRANSPARENT ON THIS " PHONE '' DESL FOR ALMOST 100 OUTAMY ACCOUNT. THIS BEEN GOING ON FOR 8 MONTHS NOW. I ONLY KEPT CHIME AFTERWARDS BC OF THE TRANSFER TO ANYONE IN SECONDS FREE OF CHARGE AND THE XXXX XXXX FOR WEEKS I WAS OFF AFTER ALL THAT STRESS I HAD XXXX XXXX PROBLEMS XXXX OVER XXXX FOR 3 MONTHS. THEN MY XXXX HAD TO CONE OUT I WAS AN EMOTIONSL MESS THINKIBG THEY STOLE ALL MY MONEY LOCKIBG ME OUT. I HAD NOT A DIME TO MY NAME BC I CLDNT DRIVE SO I DID EVVVVERYTHING ON LINE TO DELIVERIES TO XXXX EVERYWHERE. I HAVE MADE OVER 30 CALLS OVER 50 EMAILS TRYING TO PROSECUTE THE VENDOR. I WANT MY HARD EARNES MONEY BACK I DOD NOT MAKE THST AUTHORIZATION N THEY KEEP WORDIBG IT DIFFERENT N WILL NOT GOV ME STRAIGHT ANSWER ON CONTACTIBG VENDOR. IM SORRY FOR MY PENMANSHIP I LOAD XXXX XXXX FOR XXXX N ITS XXXX IN XXXX XXXX SO MY FINGERS ARE XXXX XXXX N IM TEYING TO TEXT THIS FAST ON MY LAST BREAK. CHIME IS TE ACCOUNT HDER DENYING MY REFUND THAT THEY AUTHORISED NOT ME
01/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10031
Web
On Friday, XX/XX/XXXX, I discovered 2 unauthorized atm transactions on my account. Upon learning about these transactions, I contacted Chime customer service. I spent nearly an hour on the phone, between waiting and being transferred. When I spoke to an agent, I indicated that these transactions were not authorized and told them that this wasnt the first time this had happened with my Chime bank account. On XX/XX/XXXX, 2 similar transactions were posted to my account. One was {$300.00}, and the second was {$380.00}, for a total of {$680.00}. Chime investigated and determined that there was an error ; they credited my account for the balance of those transactions. On XX/XX/XXXX, the agent asked several questions regarding my account and transactions, which I answered honestly. The agent then advised me that Chime would be disabling my debit card to prevent further fraud. I told the agent that I believed that this was not an actual ATM transaction, and that I believed that this situation was similar to the XXXX transactions as I had not received an alert from Chime notifying me about either set of transactions. The Chime app alerts me to all transactions. I will often receive an alert before I leave the store where I made the purchase or processed an ATM transaction. Per the documentation I received today about these transactions, Chime has determined that this was not an error for the following reasons. Chime asserts that because I had possession of my card at the time of the transaction, and memorized the PIN, then I might have taken my own money out of the bank. Chime also argues the withdrawls are consistent with my banking behavior. They didn't acknowledge that large ATM transactions are rare on my account, or that I only visit free Chime ATMs, and specifically one in my neighborhood. Additionally, they argue that because there were no declined transactions on this debit card after these unauthorized transactions, then I must have already known what the balance was. This could be easily checked by confirming when and where I logged into the app to check my balance. I work remote, but I was working at my friends apartment so that I could feed his cats while he was out of town. I was sending emails at the time of the transactions, and the door man can attest that I was inside the apartment at the time. I was hungry, so I stepped out to eat. As I was not in my neighborhood, I checked the Chime app to locate free ATMs ( I only use Chime free ATMs ). That is when I discovered missing funds. Chime has indicated that the matter is closed unless I can provide new evidence. I can not afford to take a hit for {$620.00}. This is unacceptable.
12/29/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 77070
Web
I dont know exactly what yall need to know but Ill start from the beginning, Monday night XX/XX/20 I went to XXXX and transferred {$50.00} from my savings into my checkings and spent {$35.00}, I then went home and started cooking and remembered I was supposed to send money to my mom so when I tried to log into my account it wouldnt let me so something told me to check my email and thats when I seen that someone changed my email and I looked further in my emails and also seen that they transferred XXXX at first from my savings to my checkings then XXXX out of my savings to my checkings and I couldnt check my balance because Someone changed my log in information so I called to check my balance and it was {$0.00} so because chime was closed at the moment I ended up calling them early the next morning. I talked to a lady and she was able to help me change my email back and password then from there I got transferred to a supervisor he then said that his system wouldnt allow him to put in the dispute for me so they transferred me to another department to see if they will enable them to file the dispute they then told me to call back in 3 days to check for any updates, so Friday morning XX/XX/20 I called and they said the dispute was filed and the investigation has started and then told me I just had to fill out the dispute form they sent me already so I checked through my email for it but couldnt find it so she kept trying to resend it to me but I still never received it so she told me another department would be in contact with me within 24 to 48 hours sending me the dispute form but I still was having trouble receiving it so I searched it up and filled it out, now I was able to cancel the XXXX transactions and get that back but the XXXX is what I filed the dispute for, someone transferred that to a XXXX XXXX XXXX account without my consent. Ive been emailing chime non stop after that to get more updates thats when they finally emailed me back and said the dispute was declined bc I didnt give them enough information, Ive never had this happen to me before is dont know what else they need they have my transaction history so they see that, I also sent them screenshots of when they emailed me saying my email was changed and also when I ended up changing it back the next day which was XX/XX/20, they have all my phone calls recorded so they have it where the lady had to help me change it back. I've emailed over 9 times, called them probably more than that, its XX/XX/20 still no help from them and no money, now I can't let this go I've worked hard to save up and I have my brothers and sisters I help my mom take care of I dont know what else to do I need help.
03/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OR
  • 97527
Web
I sent XXXX $ to XXXX XXXX for a secured credit card on XXXX from my Chime account and the XXXX $ was debited that day for the XXXX $ but then when I didnt receive the card from XXXX XXXX and couldnt get any information from them about it I initiated a dispute through Chimes support portal in the App but the very day I insisted the dispute my card came in the mail from XXXX XXXX so I tried to cancel the dispute process which Chime informed me was not possible to do at that time because the funds were already reversed from XXXX XXXX and that I would have to wait 90 days for the investigation to be done before I could even get a response about it so I asked if I could cancel the dispute in which they told me that they are sending the funds back to the merchant then so now I cant get my money back This all doesnt seem very legal or professional even and for sure cant be proper protocol for Bank procedures I simply want my XXXX $ back its my money and Chime Bank is refusing to give it back to me I have spent hours and hours on the phone with XXXX XXXX who assures me that my money was reversed from Chime Bank and hours on the phone with Chime Bank that says that XXXX XXXX has the funds now and both banks deny having my funds Chime bank refuses to even speak with me about it anymore because they say its not in their hands anymore but it is very much in their hands because its in their investigations teams hands but refuse to talk to me about it because I cancelled the dispute I cancelled the dispute because I got my card from XXXX XXXX and it was fine but Chime went ahead and reversed the charges anyway to make things more difficult for me because I wanted to know where my money was at I am upset very much upset because I just want my money back it is my right and its my money and XXXX $ is a lot of money to me right now I am trying to build some good credit is why I got the secured card in the first place but now Chime wants to give me a hard time because I want to know where my money is and tries to deny having it and tries to deny that they reversed it from XXXX XXXX when they in fact did reverse it and dont want to give it back to me because I am upset about it I have every right to be upset and I have every right to know where my money is at and when I will get it back and they cant even tell me that because they dont know where its at or what happened to it they wont even discuss it with me because they dont know who to transfer me to about it they said they cant help me because they dont know what happen to it and there is no way to track it because I cancelled the dispute this cant be right I want my XXXX $ back its my money and I want it back
03/04/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WV
  • 25177
Web
My name is XXXX XXXX XXXX my problem is with chime banking in regards to an account that they closed out for no underline reason of my fault, in a nut shell this is what has happened I used my card for a XXXX dollar seven day free trial from the companies of XXXX XXXXXXXX and XXXX in XXXX of XXXX I did not authorize any other transactions from them but they chose to take money from my account for 14 transactions of {$23.00} from XXXX which four were refunded and this company is/was trying to refund the other transactions for the total amount of XXXX conformation number is XXXX. And for the company XXXX there was a total amount of 28 transactions taken off my account for {$28.00} per transaction they refunded eight transactions and is trying to refund the rest of the 20 transactions of {$28.00} times 20. The two account numbers are for the first account is XXXX conformation number is XXXX and the second account number is XXXX with the conformation number being XXXX. I also had refunds coming to the account from XXXX for {$59.00} transaction number XXXX. So back to what happened to this point in XXXX of XXXX I was incarcerated ( which I proved where and who I am to chime and these companies ) but I was locked up from XXXX of XXXX until XXXX of XXXX at this time I regained access to my account and realized what was happening and reported it to chime at that point they stopped my card and issued a temporary card. This stopped the companies from refunding the money. I then called chime again and let them know they were trying to send the refunds. Chime then allowed some refunds and stopped the rest. I put in a rebuttal they again refused. And shut down my account stopping me from accessing my account and any thing pertaining to it dates transaction history and the money that was in my account. Which cost me more money. And time aggravation. These transactions were unauthorized and adds up to be a lot of money that I acquired. These companies can not refund the money until chime allows it. Because it is linked to that account. At first I just wanted the money that is mine back but now that I have had to spend more money and time because of there lack of business ethics and laziness I wish to push back and harder to prevent this from happening to any one else and for my time money and aggravation. What they are doing is wrong and robbery. I was locked out of my account money held and done wrong for someone elses wrong doings. Please help me resolve this matter and stop it from happening to anyone else... if any information is needed I can be contacted at XXXX thank you and please help the last four numbers of my ss # is XXXX born in XX/XX/XXXX again ty
11/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85053
Web
On XX/XX/XXXX someone stole my debit card information and used it to buy several day passes to a fair in XXXX XXXX Massachusetts. I was on a flight from AZ to WA at the time the transaction happened without access to the internet so it could not have been me. Also, why would I buy day passes to a fair on the other side of the country? It makes no sense. I filed a claim with my bank, canceled my compromised card and change my account information to prevent this from happening again. Chime ( the bank I am using ) gave me a credit for the amount that was stole from me for {$200.00} three days later on XX/XX/XXXX. On XX/XX/XXXX I was informed that Chime had done an investigation on the claim and found " no error occurred '' so they denied my claim. When I called them to ask why they denied my claim and what I can do to appeal, I was told no one could tell me the reason they denied my claim. They said they can send me the " evidence '' they used to come to this conclusion in 10 days. After they have already removed the money from my account. When I asked to speak with the investigation team I was told I could not do that. No one reached out to me during the investigation process either. I am the epicenter of the entire issue and no one from my bank has spoken to me. I was told I could appeal the claim and provide evidence I was not the person who made this purchase. I sent them screenshots of my plane ticket that clearly show the flight times proving I was in the air at the time the card was used. I also had to contact the merchant because they did not. I got a copy of the transaction and sent that to them as well where you can clearly see the phone number and email address are not mine nor have they ever been registered to me. I also filed a complain with the cyber crimes division of the FBI for the crime committed against me and sent a copy of that to them as well. They denied my claim three times yesterday even after being provided with this evidence and they still have not given me a reason as to why. They will be removing this credit of {$200.00} from my account on XX/XX/XXXX despite still not giving me a reason why. The worst part is no one at the company is even willing to speak or discuss this with me. All they tell you is " I don't work in the investigations department so I don't know. '' But they don't let you talk to the investigation department or ANYONE at the company that could help explain why this is happening. I am not the first person this has happened to either. There are hundreds if not thousands of these exact stories online of Chime denying claims with clear and precise evidence to prove someone else used their account.
05/12/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 70461
Web
I opened my Chime account in XX/XX/XXXX because I was interested in their credit builder feature along with the advertised high yield savings account. I have a savings, checking, and credit builder account with Chime. I receive approximately XXXX of my direct deposited check in my Chimes Checking account weekly and usually transfer some of this check into my Chimes savings, and a portion to sent to my external XXXX checking account. On Monday, XX/XX/XXXX I attempted to log into my Chime account but was unable to log in. Instead there was a message that read that I should contact Chime via email to verify my identity due to unusual activity on my account. I went to my email and there was an email from XXXX requesting that I send in a copy of a government issued ID and a utility bill to verify my address. I promptly sent these things in. Then I received another email from XXXX requesting that I send in a copy of a government issued ID and a completed W-9 form. I initially responded to the email requesting to speak to someone who could explain why a W-9 was required but when I didnt hear back, I sent in a picture of my Louisiana Drivers license and a completed W-9. Then I received another email from Chime requesting that I resend the same information again and I did. The next email requested that I send in a picture of a different government issued ID so I sent in a picture of my passport, and the response was that that was sufficient to open my account either. I emailed with them back and forth and sent documents on each day between XXXX and XXXX. I also called the Chime Customer service number listed on some of the emails and XXXX XXXX. Each time I spoke with someone who gave me a generic response and was told it was another department that handled verification of identities. I was never connected to anyone who could explain what was wrong with the documents I submitted. On XX/XX/XXXX, my suspicion increased and I started googling Chime complaints and realized several customers had experienced the same sort of thing. I had never had a serious problem with Chime before this. I used their credit builder feature for a short period of time, but I didnt like how it showed up on my credit report so I stopped using it. I also had a debit card that didnt seem to work but I didnt really need to use their debit card since my sole purpose was saving money on this account. Im very distressed about this situation because the last time I checked my balance was approximately {$25000.00} and I need to gain access to my money. I have very expensive financial obligations that I might not be able to meet if I cant regain access to my money soon.
05/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • 054XX
Web Servicemember
I was solicitated by a company based out of California called XXXX. This is what a representative of XXXX said in a voice mail left to me. " Your student loans can be forgiven. Hurry and call back because it's a first come first serve basis. '' When I called the representative for XXXX claimed they could help me with my student loans. Because of the Pandemic and my being unemployed I was worried as to how I was going to make the payments on my loans. On XX/XX/2021 I signed an agreement with XXXX. They agreed to do the following for me. This was on page 6 of the agreement I signed. Scope of XXXX XXXX XXXX Hereinafter referred to as XXXX XXXX representation of Client ( XXXX ) is limited to the following services : Service ( s ) : 1. Loan ( s ) will be placed on hold for 3 months on an administrative forbearance while processing your student loan consolidation XXXX no student payments are due during this time ) 2. All 6 loans will be consolidated into one account, resulting in less interest accrued. 3. Lower interests and one payment will be applied under the Revised Pay As You Earn ( REPAYE ) program. Service Agreement Client Signature I hereby confirm and authorize this Service Agreement with XXXX XXXX XXXX and all guidelines and restrictions set forth herein : Client Name Client Signature Date XXXX XXXX XXXX SIGNATURE } { SIGNDATE } Everything listed on page 6 had already been done as of XX/XX/2021 by the Federal Government when they passed the Cares Act. XXXX was claiming they were going to provide a service that the Federal Government had already provided to folks who already had federal loans. In my agreement with XXXX I agreed to pay {$110.00} cents over a five month period. The payments would be made with my Chime Debit Card. I made two payments to them with my Chime Debit Card when I discovered that XXXX had falsely claimed they had provided the services I listed above. I immediately requested payments to stop, and a refund of the two payments I had made of {$110.00} be returned to me. XXXX stopped payments, but refused to return the two payments I made. They claimed they were charging me for paper work they had to do on my behalf. I made several requests for copies of the paper work that had been submitted on my behalf, and they continually ignored me and sent nothing. Because my wife is the card holder of the Chime card that was used, she lodged a complaint with Chime explaining why we were trying to recover the two payments made to XXXX. Chime could not recover the two payments made to XXXX. My claim comes down to this. XXXX did not provide the service they claimed they would per page six of the agreement.
07/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • KS
  • 675XX
Web
I filed a dispute for an unauthorized charge by XXXX account I do not hold, but my card info WAS saved on walmart.com on my actual walart account and someone like hundreds of other complains I seen, hacked their website and stole my card info and made a {$260.00} charge on my account, chime refused to stop that charge from being completed even though I called an hour after I received the alert, the problem could of stopped right there.they refused to stop that payment and said I had to wait for the money to be taken from my account then dispute it.i did that, I stayed in contact with XXXX also who sent me an email saying they flagged the account using my card as fraud.i sent that email to chime, chime claims they investigate with XXXX yet XXXX has no info on them communicating and dosent understand why my claim was denied as XXXX can see I didn't make that order XX/XX/XXXX for {$260.00} on my XXXX account and there's no reason to denied my claim.chime made no effort to check with XXXX to see if I had an order on my XXXX account at all for the {$260.00} amount charged on my card, they did find the charge on my card but see it wasn't made by my account. I even tried to call XXXX to stop the order someone else made immediately and they also refused to help because I had no order number because IM NOT THE XXXX ACCOUNT HOLDER. Chime refuses to refund me saying there was no error made. It was fraud not an error. They have no clue what is going on as they do not listen. I want my money back they never properly invested in contacting XXXX to ask if my XXXX account shows an order at all for that amount.nor did they bother reading the XXXX email I forwarded them saying they flagged the other account for fraud.how do you deny a claim whiteout properly investigating with the company that received the money from a stolen card number? XXXX said there is no reason and it's concerning that chime has done with and will be in contact with chine to question why I was denied my money back.in my XXXX with chime I have never had a problem but the first time I do have a problem I begged them to stop payment on as soon as it happened they act like I'm a liar. If I was lying I would not have called right away apon my text alert of the charge to stop this from going on. I sent them the email yet was told they determined there's no error and I won't get my money back, yet they didn't investigate with XXXX to even see that I was not the one who made the order or who it's shipped to. This is a horrid policy and damages their customers funds that are kept with chime. My money XXXX be refunded according to XXXX. Chime has done a XXXX loyal customer wrong
04/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MO
  • 64134
Web
On XX/XX/XXXX at XXXX XXXX Central time I have received multiple texts and emails with a chime one time code and then boom! My phone number was changed and then another saying I had sent {$2400.00} to a XXXX XXXX. I have never in my life met this so called individual as well as never seen the phone number they used. I immediately contacted chime, attempted to gain access to my account and was not able to. I literally had to send in screenshots of myself and me holding up my ID. Then is when I was able to gain access and file a dispute. The agent I spoke with had said, " If then funds are pending we can cancel that transaction and put the funds right back into your account. '' This was not the case at all, as I then got another email the day after XX/XX/2023 stating no fraudulent activity was found. I again called them right away and explained they were 1000 % incorrect. They reopened the dispute again. Then boom another email XX/XX/XXXX regarding the same exact thing. No fraud was found. Again I called spoke with a dispute supervisor this time and again had to repetitively explain myself regarding this dispute at hand. This was again reopened and again on XX/XX/XXXX another email saying no fraud has been suspected. Again I call and speak with a second dispute supervisor and again explained myself. Reopened this dispute and again same thing come XXXX XXXX. Keep in mind XX/XX/XXXX I send them 3 screenshots of the text and emails I received, one was the code and phone number changed to gain access. Two was the email of the phone used to get in and three was the email regarding I had send them {$2400.00}. I had also explained to them that on XX/XX/XXXX or XXXX I changed my address in the app and after that I was getting text messages giving me a one time code to change my password to not share it. I then deleted those as no I was not attempting to do such thing. Then boom! Come XX/XX/XXXX when I was clearly asleep at XXXX XXXX this scammer got in and transfer all my funds. This has created such a horrible hardship on me as I have lost my job and was relying on my funds to make ends meet while I seek out new employment. I am on the verge of losing my housing, going to food banks and trying to get help with gas for my car with XXXX children and becoming homeless because Chime is not doing there due diligence in a correct manner. Chime also sent me emails saying there disputes take up to 45 days and my case will be concluded as of XX/XX/XXXX. They have a credit they can offer with in 10 days if found fraud was conducted. This has not been the case as I have received these emails with in 1-5 days regarding no fraud was found.
08/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77004
Web Older American, Servicemember
On Saturday Morning XX/XX/2023 I'd Ordered a Set Time of XXXX XXXX - XXXX XXXX XXXX Deliveries to my Veterans Unit a TV plus Groceries totalling {$470.00} as Deducted from my CHIME CREDIT BUILDERS ACCOUNT as a DESIRED CUSTOMER. WHEREAS, XXXX texted claiming now they're SHIPPING my 55 '' TV approx. XXXX XXXX. I immediately said NO to the SHIPMENT. I immediately called XXXX to CANCEL the ENTIRE ORDER with CUSTOMER RELATIONS. NOW, the XXXX Cancellation Cancelled the TV, but the XXXX Delivery Driver was yet in route to now stating on XXXX {$24.00} Groceries which upon my return to my Unit was sitting on the ground Openly in this HIGHLY OCCUPIED COMPLEX unattended! Not good! I summoned CHIME by Electronically and on CHIME APP a CLAIM for {$470.00} that same Day, XX/XX/2023. FILE # UNKNOWN and due to it being taken down after PENDING until Friday, XX/XX/2023 and NOW PENDING an additional 7 - 10 Days my needed REFUND of {$440.00} which sits as ( Credit ) - {$440.00} and a XXXX Balance in my Accounts unable to do anything for my BIRTHDAY which was Saturday, XX/XX/2023 nor get a TV as a Birthday Present to myself after spending 5 Years of Birthdays behind XXXX! And, too in doing so the VA is Investigating the PREVIOUS XXXX Delivery of a " KNOCK OFF '' XXXX 55 '' TV from XXXX Purchase IS why I did NOT want another TV SHIPPED by XXXX. Therefore, after requesting CHIME to call me and during that call I'd inquired about both my CREDIT of {$440.00} and the OUTCOME of my {$470.00} PENDING CLAIM TO NO AVAIL! TOLD there d I es NOT exist any such CLAIM, but a CLAIM for {$24.00} and trying to get me to adhere for an added CLAIM NOW for my OVERDUE REFUND of {$440.00} for a NEW CLAIM for an ADDITIONAL 7 - 10 Days totalling in excess of 2 Weeks as I'm a Senior XXXX YO and XXXX Veteran on XXXX XXXX and this is nearly HALF of THAT Monthly Payments for XXXX ... and I'm LEFT DISMAYED after ALL these years of looking forward to being XXXX! NOW, CHIME Claims a OPEN CLAIM PENDING THEIR INVESTIGATION for the XXXX Purchase of {$24.00} for UP TO 30 Days. What above my money DUE? A CHIME Supervisor now claims " CANCELLATION OCCURRED BEFORE SETTLEMENT. '' I exclaimed, WHAT? CHIME Supervisor states it will take up to an additional 10 Days for PENDING to DROP. My question IS how did CHIME et. al SETTLE the {$24.00} XXXX purchases out of the {$470.00} CLAIM and NOT REFUND MY {$440.00}? We're speaking of my ENTITLEMENT XXXX PENSION here. Why are they mistreating me and causing me MUCH DISTRESS as I SUFFER from XXXX and I have NO other means of SUPPORT at these immediate times with 100+ degrees weather. Who can HELP me? I need HELP with these XXXX folk!
08/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32811
Web
I load from my XXXX XXXX or XXXX XXXX because my card is routed to my phone and XXXX XXXX and XXXX XXXX accout As I've been telling chime supervisor manager and everyone else I did not have possession my card I didn't need possession of my card possession of my card I never need physical assets of my card I never need my card in my hand and a pen was not used it was an online transaction that did not lead a pin code so by me having my pen has nothing to do with it when there was no use for the XXXX to be even used so therefore I did not know that my card was missing until I received a text message stating that my car was declined for {$98.00} when I did not use the card for XXXX and was not in the possession of the card for the use of it for XXXX something dollars at XXXX that what made me look and see if my car was in my wallet and therefore my card was not in my wallet so I did not never have possession of the card and the pen was not needed if the pen was needed they would have got what they wanted from XXXX Also I I added the money on the card for my essentials throughout the week like my XXXX and other things that I used to transfer money to my sister I never used it lately for no XXXX if you look into the history of it you can tell that it was I misuse on someone else 's part I always load money on that card I always put money on that card and take card off for my XXXX for transportation to work and other uses so don't tell me that it was loaded for that particular purpose SO AS YOU CAN SEE needed my time card in my hand because it's already linked to my accounts that which are already on my phone apps so there is no way that I knew that my card was gone until I received a text message and called chime and look it's not the only card that's missing I always made my anything through XXXX XXXX or XXXX I never use my time card for big purchases that is not what I use that card for if so I will use my time credit card to build my credit And as you can see I only my big purchases through my wisely card and cash out because those are the only cars I really keep money on for other stuff my time card is for my XXXX mainly for my ride to work and this is my evidence This every thing I should have to fight so hard for my money when I gave all the poof they ask XXXX So someone used my card for online purchases of the amount of {$230.00} on XXXX XXXX on XX/XX/2022 I have called XXXX and they also agreed and flag the purchase as fraud I have sent chime invoice, police report, my GPS location, screen shots, and handwritten letters XXXX disputes and chime continue to denied my evidence of this unauthorized transaction
10/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MI
  • 480XX
Web
Once again it seems like these online banks are unregulated or at different standards. I had lost XXXX through XXXX XXXX it took me nine months to get my money back and because I made this complaint they paid me extra money. Now I have time I had approximately {$1000.00} in the account because I upgraded my phone it was very challenging to get back into the account. I did not have access for the last five or six weeks I did not need access to my money as I'm financially stable. Unfortunately not everyone in America is like this. I seen an alert yesterday XX/XX/XXXX for a {$10.00} transaction at a gas station. I did not think anything of it but it made me spend an hour and a half gaining access to my account as my email has never changed it was that difficult to gain access without a call center. When I left work today I logged into the account and recognized and realize that every dollar was missing from my account and a total of almost 15 transactions in a 24-hour period. I have never spent a dollar I have never used the debit card I have only transferred money to my XXXX XXXX XXXXXXXX checking account. So how is it that my card was used to make purchases all around the state of Michigan. There must be an internal breach employee theft of information or not enough oversight. As I called to dispute the transaction they had told me that the transactions were pending they were not able to do anything. What if I was poor what if my kids needed money to eat food. It was a lie as there were some transactions that were already confirmed that were done yesterday morning they were not willing to dispute a few transactions understanding there was 15 they let me go and said I needed to call back when all the transactions were completed. I asked the overshore call center for the employee ID number or the call center location because I'm truly concerned for other Americans and the possibility of a data breach. When I asked the second time for the employees ID or the location of the call center the employee went mute I had said ma'am I'm recording this conversation I am contacting the federal government to make a complaint after this I'm only asking to provide facts to the government and she hung up on me. How could you be so disrespected in the United States how could this happen again to the two largest online banking companies. So now I have access to my account I have no money and it's going to take days multiple phone calls to get access to this money it's not fair it's not right you guys need to look into this to find out if there was a larger scale data breach I have never used a chime card to purchase anything.
07/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 95035
Web
I have had a Chime checking account for a few months and use the debit card for daily shopping both online and physically. In XXXX, I went to XXXX for a trip and encountered an ATM withdrawal issue. The machine did not dispense cash but my account balance was deducted. Chime denied my dispute without even disputing the merchant for me. My claim ID is XXXX, with total disputed amount {$850.00}. XX/XX/XXXX, I tried to withdraw cash by using Chime debit card at an ATM machine in XXXX. I tried in XXXX XXXX for about equivalent of {$350.00} US dollars ( the exact amount after currency conversion is {$340.00}. ), but the machine did not dispense any cash. At that time, I could not get hold of the ATM bank since it was at night. XX/XX/XXXX, I called the ATM bank and was told that the machine should be good and I could try again, and call them if that happened again. According to their instruction, I tried again at the same machine but encountered the same issue. At first, I tried to withdraw about {$350.00} in XXXX XXXX but the machine did not dispense any cash. During that time, I was in urgent need of cash because many merchants only accepted cash in XXXX. So I tried the second attempt but could only withdraw about {$150.00} because Chimes daily withdraw limit of {$500.00}. However, the same issue happened, the machine did not dispense any cash. XX/XX/XXXX, I called the machine bank again and was told they would need some time to resolve the issue. In addition, they said if I could not stay there to wait for the outcome, I could call my own bank and they would work with my bank. During all the communications, there was a language barrier between myself, not a XXXX speaker, and their English-speaking staff not being fluent at all. One thing they were correct was that I could not stay there waiting. XX/XX/XXXX, I called Chime to dispute the total amount of {$850.00}. XX/XX/XXXX, Chime emailed and denied my dispute. I requested the document for reasons of denial. XX/XX/XXXX, Chime sent me a document stating their reason for denial. Basically, their reasons were : my withdraw velocity was high, amount was up to daily limit of {$500.00}, at the same ATM machine, and my account was newly opened in the past 3-6 months. I do not accept Chimes decision solely based on their own assumptions. Daily limit of {$500.00} is not a large amount and it is very reasonable for normal travel use. They did not even bother to fill up a form to dispute the merchant at all. What I have felt is that there is no client protection by using Chime debit VISA card. Therefore, I am submitting a claim here to get my money back.
10/02/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33064
Web
XX/XX/2020 I was admitted into the hospital for XXXX XXXX, etc. while I was in the hospital I had fraud happen on my CHIME CHECKING account. I was discharged from the hospital XXXX XXXX, 2020. While I was in the hospital I received a direct deposit payment from unemployment Florida DEO because Im on unemployment. The deposit amount was {$250.00}. {$230.00} was taken/ withdrawn from my account. On XX/XX/XXXX, there was a payment of {$16.00} to XXXX XXXX which I dont even have anyways, and {$3.00} at something called XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a deposit of {$900.00} from unemployment. {$500.00} was taken/withdrawn, 3 charges at XXXX totaling {$100.00} and 2 more charges at XXXX totaling XXXX and XXXX. That same day a charge at XXXX was made for {$9.00}. On XX/XX/XXXX before I was discharged another deposit was received from unemployment for {$300.00}. A {$240.00} payment was made to some insurance company. I reported the fraud as soon as I got home when I saw it. I notified them that my wallet was stolen, along with my cellphone, as well as important information in a notebook I had that was pocket sized. After making my claim I realized my entire account was compromised. I received another unemployment payment of {$300.00} to be taken/withdrawn again! On XX/XX/XXXX there was a mobile deposit made in the amount of {$220.00}. I have never deposited 1 check as long as Ive been using Chime which has been a while. Thats when I dealing account was compromised. Following finding this out I made another claim to let them know what was going on. I changed my password and my phone number on my account and they issued a new card, etc. Both of my claims were denied even though I submitted all the information they asked from me as well as documents showing that I was admitted into the hospital on XX/XX/XXXX and diacharged XX/XX/XXXX. They said that nothing unusual happened on my account and my claim was denied. I am so mad and frustrated I do not know what to do. Its point blank and pretty obvious fraud was happening if I was in the hospital for so long and I have out NO INFORMATION or any permission for someone to use my account. Im so upset. All the charges come out to about {$1700.00}. I read online how CHIME is notorious and known for denying mostly all the claims that they received. Please help me get my money back. This is not fair that I am a victim of fraud and I have to suffer. Im almost homeless, I have no money for food or my phone or gas. Im so behind on my bills and I cant even catch up. I supplied everything I was supposed to on the claims. The claim numbers are XXXX and XXXX.
04/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33647
Web
- On XX/XX/2022, I found out that someone hacked my Chime Checking and Savings account. Multiple transactions and transfers varied and made a total amount of {$1000.00} stolen. That was all I had in my account and all i owned in general. Not only did they steal my money, but they were able to change ALL my information on the app. I'm not sure how in the world Chime 's security was able to be breached that easily but the hacker changed my email, number, and physical address to my card. - I made the claims, and on the recorded line, they stated that it was indeed recognized as fraud. Chime 's dispute team said that it would take XXXX days to receive the money back. But being that it was all my money that was taken, I told them that this needed to be treated top priority because i will go homeless if i can not make rent or pay other bills. Plus it wasn't my fault for their lack of security for me to wait on money that shouldve never been taken. - As days pass, ( XX/XX/2022 ), I would hear absolutely nothing from Chime. I emailed them multiple times to change my information back to what it was before the hacker changed it ( because the hacker logged me off the app and couldn't do it myself ). And I never got a reply from them. So, when the money was put back on my card, instead of me getting the update, the update ended up going to the hacker and the hacker was able to steal the money AGAIN. -not only did chime fail to change my information when i asked, they didn't suspend my account so that my funds could stay safe until I could get in my app again. so not only did they not suspend my account, they allowed the SAME person who stole my money the first time, steal it the second time. And now they are saying that it isn't fraud and that they wont give me my money back. -I 've called and emailed to get an explaination from them. I'm about to go homeless and bills are continuing to rack up while we are on the rise of inflation. I've never ever had anything like this happen to my years of having Chime. - and now its ( XX/XX/2022 ). i really really need the CFPB 's help to getting my money back because it has physically and emotionally effected my family in so many ways. I told Chime to check IP address 's so that they can see that the fraud is happening in CA- to also prove this wasn't me. They have yet to acknowledge their poor security as well as not having security measures in place. I've spent hours on the phone with chime they aren't willing to help me and now i am willing to sue and go to the farthest extent that i can to get this fixed because i refuse to have my family taken advantage of.
01/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 321XX
Web
I opened a chime bank account on XX/XX/XXXX and had my checks direct deposited to this account the date of my first direct deposit was XX/XX/XXXX. On XX/XX/XXXX I noticed some charges on my account from XXXX XXXX rental that I did not authorize to be made upon looking the first transaction made on my account was on XX/XX/XXXX at that time I called chime and told them that I did not make the transactions and at the time there was 3 transactions that so between XX/XX/XXXX till XX/XX/XXXX There was a total of 3 transactions that I informed chime about and told them that theses charges are unauthorized and I didn't approve any charges by this company so they filed a dispute on my behalf due to this and explained to me what needed to be done to get my money back and I thought that was the end of it. How ever it was not a few days passed as I'm waiting on the dispute to be completed and the funds to be placed back on my account only to be told the investigation discovered no error so I'm checking my app and I see that my account witch should have had a balance of around {$10.00} was actually- {$49.00} and I made no transactions so I'm looking and I see that the same scooter rental company processed several more transaction on my account even after I called on XX/XX/XXXX to report the unauthorized charges there was an additional 15 charges since XXXX that was processed by the same company I reported with chime so I opened a new dispute for all the transactions again only for chime to tell me there's no error they found with these charges I have been on the phone with chime for hrs and hrs at a time trying to fix this and they have done nothing at all to fix this problem I have had to still pay over draft fees each time my check is deposited to them even thought my account should have never been overdrawn in the fist place But because chime never stopped the transactions after I called in on XX/XX/XXXX I'm still being charged I finally was informed that I need a new card witch should have been done when I called in on the XXXX but for whatever reason was not done but my account is again at a - {$40.00} bal and I'm not paying it I have canceled direct deposit due to this issue I have called and called and called chime to figure out how they could fix this issues and to get my money back but they have refused to provide any solution to my problem and they will not replace the money that was not supposed to be withdrawn from my account I have threatened legal action I have asked for supervisors I have done everything I can to work with chime on my account to get this issue resolved and they have done nothing
09/25/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • RI
  • 028XX
Web
XXXX - XXXX XXXX XXXX paid {$34.00} I had gotten XXXX XXXX one day, and in my delivery instructions, I have included to not leave my food outside on the ground. I do this with every order, because the ground outside is filthy, and is just pure cement. I typically do not like my food sitting where animals track, XXXX, and XXXX on. So in my instructions, I always right to leave on the front porch where all they have to do is open a glass door and leave the food there. The XXXX that handled the XXXX XXXX delivery decided to ignore that note, and leave it on the ground in animal filth ( XXXX and XXXX ). Due to my XXXX, I have to be extra careful when it comes to stuff like this, so I had to throw the order away. I've contacted XXXX XXXX about the order, and they refused to refund, as they only care about if the delivery was made, not the quality of the food. I've made a dispute in CHIME BANKING, owned by the XXXX XXXX, to protect me in situations like this, as they usually do, and this time, it took a month for them to finally reply, and they denied the dispute. I furiously reached out, asking for a rebuttal, and supplied more information, and requested to be called multiple times, and each time, they deny the dispute and never call me. I've supplied all the information, I gave emails, I gave pictures, I told them that it's inhumane to expect a person to eat food where animals peed and pooped, and they still chose to ignore me. They refuse to refund me my {$34.00}, and they refuse to call me when I specifically request them too each time they deny the dispute. I will continue to rebuttal the dispute until I get my money back, or report it to the FTC for refusing to do so. They've denied my claim a total of 8 times, including the one from today. I sent them pictures, and the emails, where even XXXX XXXX apologized and said that they would offer the refund if they could, but because it's been over 30 days, they cant, and can only offer coupons. I was told by chime that if I send this to their investigations team, they would approve my dispute. They did not. Not only this, but I made a complaint to the XXXX XXXX XXXX. Chime LIED to the XXXX and stated that my complaint was directed towards XXXX XXXX, and not chime. I do not even own a XXXX XXXX account. They are lying because they do not want complaints registered to their bank. It's shady tactics, and they have a history of doing this to other chime bankers, as seen on XXXX where a bunch of people had been wrongfully declined their dispute. Everyone recommends to contact the CFPB to help us, and so here I am making my claim as well.
03/18/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NY
  • 10459
Web
Good afternoon evenjng I, as well as many others, have been affected by the lack of communication of Chime Bank regarding our stimulus funds. I received an email from them on Saturday stating they had received a payment towards my account from the XXXX and I needed to submit documentation ( ID and XXXX Tax Return ) in order to verify this funds belonged to me and they could be released. The email also says if I did not respond within 24 hrs the funds would be sent back to the XXXX. I sent them the information requested and as of today I have not gotten a straight answer from them regarding the funds. The XXXX get my payment states I should be expecting my funds today XXXX XXXX.The total of my stimulus is {$5600.00} On calls I made to them on Monday they stated they could not see any money pending on my account ( even though I havr proof the email says they do ) and directed me to the get my payment tool even when I told them I already did and my funds should be there by the XXXX. I also received an email saying it takes 2 bussiness days to verify documents and to wait for a resolution within those 2 bussiness days. On Tuesday they told me they were still verifying but they could see my funds on hold pending the verification and I should expect a resolution Tuesday at the end of the day, if I did not see anything by today then give them a call again. Today ( Wednesday ) I called and got 2 answers. One was that they were still " verifying '' the information and they were sorry it was taking so long, that they could not promise I would get my funds today ( even though the XXXX had it to be released today and they have been having my funds since Saturday per the email sent to me ) that I could get them today or tomorrow, maybe. The other answer was that the documents were still being verified and that she could not see my money as pending that the staff on the phones can not see any money pending only the staff that works with the email part ( but she was able to see my emails though ) regardless of me telling her 2 other representatives assured me they saw my funds and even told me the funds were from the stimulus payment and not the tax refund. I am not the only person with this issue and all they do is ignore you if you try to communicate through the app, they open a ticket and close it as resolved even though they never respond or they give you the answers I stated above if you happen to be able to talk to them on the phone. We need help, I personally need this funds my husband is XXXX and so is my son and them holding onto our funds with no explanation is absurd. Please help.
09/29/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90803
Web
On Monday, XX/XX/XXXX, I received several emails from a financial services app called Chime, letting me know that an account was opened using my email address, and that a service called XXXX was activated. ( This appears to be an overdraft protection feature, covering up to {$5.00} of overdraft ; this feature was used immediately, with whoever opened the account purchasing {$.00} worth of something from the XXXX XXXX XXXX ). I have checked my bank accounts and credit cards, and I can't seem to find any evidence that my personal financial information is linked to this Chime account that was opened using my information. However, on Tuesday, XX/XX/XXXX, I received notice that a Chime Visa card was being sent to me, and the address in that email matched my actual physical address. As a XXXXXXXX XXXX XXXX XXXX, my personal information WAS recently compromised, with everything from my social security number to my address and phone number being stolen, along with thousands of other employees '. I have credit monitoring and everything, but this was a disturbing first case, I think, of someone using my information fraudulently. My complaint is that I immediately tried to contact Chime to get them to cancel the account, and I have emailed them several times now : three times on XX/XX/XXXX, once on XX/XX/XXXX, and once again this morning ( XX/XX/XXXX ). On XX/XX/XXXX and XX/XX/XXXX, I received automated email responses that assured me they take fraud very seriously, but then also asked whether I was sure that I hadn't opened a Chime account months or years ago. And no matter how urgently I've tried to communicate their need to shut this account down immediately, I have yet to receive any communication that suggests a real person is taking care of this, or that there's any urgency to address fraud when someone brings a case like this to their attention. I don't know how much of my personal or financial information might be in their database right now, I don't know who might be using it, and I don't know how much risk my own credit reports/credit score might be under ; I would have loved for a Chime representative to communicate with me, but because they have not, I hope the CFPB can help. One last note : Chime 's phone tree is an absolute nightmare. It goes nowhere -- whether you tell them you're an existing customer or not, they redirect you to the website or to the email address, XXXX. It was not possible to speak to a real person when I tried it on XX/XX/XXXX, and that is why I've been emailing them so much. If I could have called and gotten it resolved right away, I would have.
05/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NV
  • 89129
Web
On XX/XX/2021 I noticed fraudulent activity on my Chime credit builder card. On XX/XX/XXXX my card was used fraudulently XXXX times at exactly XXXX at XXXX in XXXX XXXX NV totaling {$1100.00}. On XX/XX/XXXX my card was used once at XXXX at XXXX in XXXX NV totaling {$190.00}. XX/XX/XXXX 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 XX/XX/XXXX my card was again used fraudulently at XXXX XXXX times at exactly XXXX. 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 XXXX California at the exact same minute. On XX/XX/XXXX I received and activated my new card and transferred {$1.00} into my credit builder account. On XX/XX/XXXX at exactly XXXX my old card was used XXXX times at XXXX totaling {$820.00} and another dispute was filed with Chime and same steps were taken in changing my passwords etc. On XX/XX/XXXX my old card was again used at XXXX totaling {$66.00}. 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 XX/XX/XXXX at exactly XXXX just as I was clocking out for lunch at work my first card was charged XXXX times at XXXX totaling {$2900.00}. I reported this to chime on XX/XX/XXXX. On XX/XX/XXXX 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 XXXX shopping history both in store and online and my clock in from work. All disputes were closed by XX/XX/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 XX/XX/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.
08/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • DC
  • 20002
Web
Hi There. On XX/XX/XXXX Tuesday night I had just received my direct deposit from my job of {$3900.00}. I had only made one purchase via XXXX for XXXX at approximately XXXX XXXX, and that was it. My ending balance on my checking account that night was {$6200.00}. On Wednesday at approximately XXXX I woke up to numerous notifications that my money has been used from my account to purchase items from XXXX for the amount of {$2300.00}, and a {$5000.00} transfer had been made to recipient XXXX. This left my balance at XXXX. My savings account had been cleaned out with a XXXX balance, and my checking account had a balance of {$950.00}. While I was on the phone with chime customer service another charge was attempted to be made in XXXX XXXX in XXXX XXXX in the amount of {$200.00}. This charge was texted to me for verification and was declined. Another charge was placed in the amount of {$150.00} for a website called XXXX, which I believe is a XXXX XXXX transaction. This transaction was also made on the account while I was on the phone with Chime customer care for over an hour and half, and they neglected to turn off my card when I initially called. This charge would have not been able to go through if the agent was proactive and turned the card off like I requested in the beginning of the call. I also received a notification that my phone number had been changed on my account to ( XXXX ) XXXX which is a XXXX voice number that has never been associated with me. I also received an email stating that my account had been accessed on a new device approximately around XXXX XXXX from a XXXX device in XXXX XXXX. My account was also accessed more than three times from a device in XXXX XXXX, yet again I'm confused why this was not flagged. My pin was also changed in my account, which resulted in me being locked out of my account. I have made XXXX disputes 1. ) XXXX, 2. ) XXXX 3. ) {$150.00}. with chime and the charge of the amount of {$2300.00} was reversed by the merchant but the other charges were determined to be of no error. The dispute ID 's numbers are as follows- XXXX and XXXX. I am beyond frustrated that Chime was able to make a quick determination and will not share how they came to this conclusion, when I have been a victim of crime due to their systematic negligence. I have also realized that a credit builder account was signed up for, which I did not want nor do I need. - Please note I have made formal complaints to the Internet Crime Center, and the XXXX XXXX XXXX Please find additional documents attached to this email that will support the following above. Thank you.
06/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • AL
  • 359XX
Web
My problem began with Chime, I transactions that I didn't make. I emailed them if not every day every other day. From XX/XX/XXXX thru XX/XX/XXXX I didn't have a active XXXX XXXX card so how did these transactions get approved? Also I have sent in my XXXX and XXXX account status which was on the checking account. And I have never heard of XXXX. And if you look at the other amounts they are low amounts when I go shopping which is usually once a week I spend more than XXXX or XXXX dollars. And definitely not XXXX dollars. I told the company my account had been hacked and I didn't have a card on both accounts at the time of some transactions. The company didn't listen and sent items to the dispute team which after what they have called no error I had absolutely no faith in that team and requested the Fraud department over and over but no fraud department ever contacted me. I over and over told them my account was hacked and it was fraud. They didn't listen. I finally sent a message stating this was my formal affadavit. A day or two later my account was closed. And I haven't been able to receive any information on why it was closed. But it's awfully strange it happened right after my formal affadavit. I have contacted the OCC and they sent a letter to the main bank XXXX and they in return sent a letter stating basically what the dispute team said no error. Without even looking into my account to see if it was possible to make these transactions. When I finally got my cards and activated them a transaction tried to go through the same night and how could that happen if not for hacking/fraud? How would anyone know I activated them? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe I can't read my writing and I can't go online to my app - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUT I DIDN'T WRITE THE REST OF IT DOWN AND I CAN'T GET INTO MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR A TOTAL OF {$600.00}
01/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33880
Web
On Wednesday XX/XX/XXXX I went to a XXXX store to withdraw money from a XXXX ATM. My first transaction was for XXXX dollars. The Atm showed processing on the screen & was buffering for a min or two. Then it showed canceled transaction on the screen & went back to the main menu. I thought it was due to the amount I tried to withdraw so I tried it again for XXXX and got the same message on the screen. I told the guy that worked in there that the Atm wasnt working & apparently he knew because someone else just experienced the same thing before me. I then went down the street to an ATM in XXXX. This ATM was working! I did 3 transactions for XXXX dollars & then tried to do another transaction for XXXX & XXXX both were declined, which shouldve been because I had the available funding in my account. I called Chime & asked why was my transaction Declined & the agent said because of a XXXX dollar transaction at XXXX. I explained I Never received Any money & something was wrong with that ATM. I told the agent I tried to do 2 transactions at XXXX and the amounts. She said she seen the XXXX dollar transaction was returned but not the XXXX dollar one so I did a dispute immediately with her. I called XXXX & spoke with a manager who explained they have nothing to do with the atm & he gave me a number to call that didnt work. I then contacted XXXX customer service to get help & they said my bank chime had to dispute the transaction. I called chime back & told them what XXXX customer service said. No one could give me a number to the merchant that was in charge of the atm. I spoke with a supervisor at chime who said I qualified for a provisional credit. The next day I got a message from chime stating my dispute was denied! I immediately called chime back & spoke to another supervisor. He said I can reopen the case & it could take up to XX/XX/XXXX days for processing & if I qualify for a provisional credit ( which the last supervisor confirmed I did ) but he said something different. I explained I need my money! Chime did not provide me with any documents explaining how they concluded their investigation! How did you complete an investigation? Atm machines have cameras & most stores do to. If you check those cameras you would see I Never received Any money from the XXXX ATM machine ( XXXX ). Today I received another email from Chime stating my dispute was denied again! This is unacceptable! Its been almost 2 weeks & I still havent gotten my XXXX dollars back! No proof or anything! Theres no proof because I Never received any money or receipt. The message was displayed on the screen!
01/13/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 711XX
Web
In XXXX of XXXX my mother passed away, In XX/XX/XXXX the remainder of my mother 's life insurance policy from XXXX XXXX was deposited into my CHIME account. As I was made the beneficiary of the life insurance policy I was not married so it was under my maiden name and deposited into my CHIME account under my maiden name. My CHIME account is under my married name but the check still was deposited. Life Insurance policy was deposited in my maiden name. It was then deposited into my bank account. I have had no problems or issues with cash deposits or withdrawals. All of sudden on XX/XX/XXXX I received an email from CHIME stating that my account has been suspended. CHIME has not allowed me access to close to {$20000.00} in my funds which I am entitled to. I have emailed to XXXX ; XXXX ; XXXX ; several supporting documents such as My Drivers License, Birth Certificate , Life Insurance policy showing policy and benefit amount, document showing my name as the Beneficiary and that the funds would be deposited into my CHIME account. I have contacted CHIME several times and have spoken to numerous supervisors which each call is all documented in their system and is all on a recorded call. Each time I speak to a representative they are not able to help in no regard and have to transfer me to a Supervisor, once a supervisor gets on the phone and ask me to verify the exact same information the previous representative has verified, Im still able to get no assistance. Each and every supervisor has told me that they will be escalating the ticket to a specialist, with theyre BACK OFFICE TEAM. Many times, I have been told that it would take 24 hours, dating back to XX/XX/XXXX ; then I will be told 48 hours, which 48 hours has surpassed, still no resolve. No representative or supervisor has shown any level of compassion, urgency, or desire to get this matter resolved. No one has even responded to the several emails that I've sent out to the email addresses above ; no one has been able to inform us when the issue would be resolved, no one has been able to tell us even the hours of operation at the headquarters located in XXXX XXXX in which I had to research via the internet. Ive been emailing CHIME beginning on XX/XX/XXXX as it relates to this matter in which a representative told me then if it didnt come from Chime.com dont respond, she also stated verbatim that Chime Outreach was not in her domain. Throughout all, this has caused me tremendous mental anguish and I have been in emotional distress. Any additional or supporting documentation that I may not present I have accessible.
04/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NE
  • 68134
Web
I saw a transaction on my account that I do not recognize at all. I called Chime to report this unauthorized transaction by filing a dispute. I was advised by the Chime rep that first I needed to try and resolve this directly with the merchant first. The Chime rep said if I couldn't reach a resolution with merchant after a couple weeks to call Chime back and at that time they would file the dispute. I explained I was somewhat hesitant to do this because I needed dispute resolved ASAP as I can't just be out {$890.00} for any extended amount of time. I'm a XXXX single mom of XXXX small children. {$890.00} is like {$8.00} million to me. Anyways the Chime rep said well Chime makes you wait 10 business days before they'll refund your account anyways so you might as well spend that time trying to first resolve with merchant. If you can't then call Chime back and file dispute and we will issue a provisional credit within 24 hours. The merchant in this case was XXXX. I did in fact try my hardest to get resolution directly from XXXX but unfortunately they were not responsive to me at all. So after a couple of weeks I did what Chime told me to do, I called them back to file the official dispute ; which they did on XX/XX/XXXX. However MY COMPLAINT IS THIS EXACTLY : I filed my dispute an entire week ago and still haven't received my provisional credit that I was told would be issued within 24 hours! When I contacted Chime again a few days ago the rep this time had a whole different story. She said credits aren't issued until 10 business days, could be sooner but not required by law. I said yes I know but first rep told me to work directly with XXXX for resolution and during such time it was counting towards that 10 day waiting period. Now this rep I most recently spoke to said I'm not getting the credit until XX/XX/XXXX!?!?!?!!!!!!!! I can not wait a while additional week. My kids and I are drowning over here. I literally don't have gas in my car to drive them to school or money in my account to buy groceries. I need this resolved ASAP!! I realize Chime didn't cause this problem initially, it was the thieves. But Chime isn't helping to resolve it quickly and fairly at all. I wish something could be done to stop all these thieves from hacking bank accounts online, stealing directly out of our mailboxes in person, attaching skimmers to duplicate our debit cards, etc. But until the thieves can be stopped, the banks need to step up for their customers NOT CONFUSE THE ALREADY DESPERATE CUSTOMER SOME MORE by giving out false information which delayed my refund another 2 weeks!
10/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • SC
  • XXXXX
Web Servicemember
On XX/XX/2023, I attempted to use the XXXX XXXX XXXX XXXX XXXX XXXX XXXX., to obtain {$60.00}, using my Chime Checking Debit Card. I went through the screen process of selecting which account I wanted the money from and how much money I wanted. After that my card was returned card and I immediately got a notification on my phone from Chime that {$63.00} had been deducted from my account but then a message came up on the screen that no cash was available. I immediately take my cell phone out take a picture and try and wait to see if anything else will happen and nothing does, so I drive off. I was going to call XXXX XXXX on XX/XX/XXXX later on that morning but saw that the transaction was pending. I decided to wait thinking, just maybe the money would be reversed once they realized the error when they went to put money in the machine, etc. XX/XX/, the {$63.00} was posted to my account ( along with {$2.00} Chime atm fee ). So I called XXXX XXXX and they told me to go to the local branch. I went to the local branch where the drive-through is located and was informed by employee XXXX XXXX that they do not service the drive through atm and she gave me a card with a number to call. She also informed me that in the near future, it is best to use the walk-up ATM, so if that happens, I can easily have my money returned. When I called the number provided I was informed that they could not help me because I do have a XXXX XXXX account and that I would have to go through Chime. I have file a dispute with Chime on XX/XX/ only to be told on XX/XX/ that it was denied and they have provided me with no single proof or evidence that have been in contact with XXXX XXXX. My case has been so called been reopened, but I know this is all talk, because when the representative told me if I had anything else to upload to help my case, I told her how can I do this, if within the app it still says CLOSED. She was like, it's still open if you call, and I would have to call and they would have to send a link so I can upload proof, which sounds like more no sense. I even spoke with Chime Dispute supervisors on a couple of occasions, if you truly talked to XXXX XXXX, all you had to do was ask for a picture of me receiving cash like they so-called claim ( which they will not be able to ). It's that simple, the atms has cameras for a purpose. I have filed disputes in the past with Chime and luckily for me, going through the merchant was the ONLY WAY I GOT MY MONEY BACK. In this case, I can not go through XXXX XXXX because they are telling me to go through Chime and Chime is DOING NOTHING!!!
11/11/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • AR
  • 729XX
Web
I opened an account with chime in XXXX of 2020 period at the time I was living in XXXX and had to provide proof of residence as well as a copy of my XXXX driver 's license which I did. I have been using the account since XXXX lost my debit card one time even and had to get a replacement sent to me. Around the XXXX of XXXX I started receiving my unemployment benefits from XXXX that comes to my XXXX account direct deposit noted regular unemployment for XXXX XXXX which is the name the account is in. the end of XXXX I had to come to XXXX and was going to be out here for a few weeks maybe a month or so I called chime to ask if I should change my address they advise me yes I should. I changed my address and did very next day chime froze my account with every XXXX of money I had in it. I provided the same day the account was closed all the information that they wanted and spoke with a manager who advised me yes they had everything and that I should have got a warning before they close the account as well as when they close the account but at that time I had received nothing. The very next day I did receive something from chime saying that they closed my account and said why and with a list of stuff they needed I proceeded to call spoke with another supervisor this time and was advised everything was in there that that was automatic replied that my account should be open in 24 to 48 hours I waited the 48 hours still nothing I called back was advised they didn't have anything and was told that I was lying that I had not seen anything and was hung up on I called back and got a manager and the manager found the stuff I had and said that they did need a copy of the picture of me holding my ID which I provided to him as we were on the phone and verified with him that he received it fast forward same story 24 to 48 hours I should have my account back keep in mind I can't claim my unemployment for these time either because there's no account for it to go into and they've got every XXXX I have so fast forward till today I get an email saying that they close my account because it was not in compliance because I was getting unemployment from XXXX and living in Arkansas even though I started getting my unemployment in XXXX and I provided proof where I was working in XXXX and moved to XXXX temporarily but I can't get unemployment in XXXX because I worked in XXXX so since then has they've been dragging me on I have lost my place to live I am now XXXX I have no money and I've lost sight in my right eye because I could not get the medicine needed to get the XXXX out of it
04/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AR
  • 721XX
Web
Dispute Type : Debit - Unauthorized TransactionDate Error Reported : XXXX Amount : {$6100.00} Respected Sir/ Madam, I am writing this to bring into your concern that on XX/XX/2023 at approximately XXXX several transactions of {$2200.00} was debited from my chime account. I filed a dispute with chime and advised them that my vehicle was broken into and all my valuables was stolen out of my car my phone which has All my accounts saved in my phone wallet, wallet, id, and social security card. l beg to inform you that this transaction was not carried out by me in any physical or online form. I explained I went out of town XX/XX/XXXX and my car was broken into several belongings stolen out of my vehicle including my phone, wallet with social security card, birth certificate, other bank cards various other personal items that mean a lot to me, which the thieves probably burned, buried, or broke. The worst part was that they have my drivers license and my address, and I lived in fear for about a week after it was stolen. I had to wait till I made it back home to get a new phone which was XX/XX/XXXX that's when I noticed all these unauthorized transactions in my accounts. My accounts was locked due to whomever tried to reset my password or attempt to login again on top of stealing my identity which I reported to Chime. Chime credit my account provisional credit which I wasnt going to use until the dispute was over. On approximately XXXX chime emailed me stating no error occurred and they will refund the provisional credit back. I had not accessed my account since the XXXX of lasting speaking to an agent about this matter! And I havent had access to a phone since XX/XX/2023 due to the natural disaster tornado that hit Arkansas everything I owned or did own was blew away On XXXX XXXX I noticed someone logged in my account once again with multiple unauthorized transactions bringing the total to roughly XXXX and notified chime right away the next following day they denied my dispute again after I have sent them my identity has been stolen. I sent in police report, Id, letter and selfie of myself as asked both times! I asked for documentation on how their decision was made and they advised me it would take 10 days to provide. I asked why 10 day and I was giving a decision today, how can a decision be made and there is no supporting documentation provided for the decision. I have been with chime for over XXXX years and never had a problem no I get denied without a explanation for why is not acceptable when I send supporting documents the transactions was fraud
09/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NV
  • XXXXX
Web
I have a checking account with Chime. On Saturday the XXXX of XXXX I woke up to notifications letting me know that 4 transactions had processed from a XXXX company named XXXX XXXX XXXX, each for {$30.00}. I also had two text messages from the fruad department asking if I had authorized two of the transactions and I texted back " no '' and received a text that said this transaction had been declined and no money had been taken ( the only charge it denied was one for {$10.00} ). I locked my card and called customer service to report the fraudulent charges and was told that the representative had canceled them, that they should not go past the " processing '' phase and if they do then I needed to call back. They asked me if I wanted to have a new card issued and I told them yes, so that representative canceled the card I had and put in the order to issue me a new card. On Monday the XXXX around XXXX I checked my bank account and saw that they had fully processed, so I called customer service again and filed a claim for the fraudulent charges, letting them know of my previous conversation with one of their representatives. While answering their questions I informed them that I had never heard of this company before and had not used my card for a few days, that when the transactions occurred I was asleep and I notified their company as soon as I saw the charge notifications. They informed me that the claim had been filed ( # XXXX ) and I would recieve an email letting me know the companies decision. Later that day I received an email telling me that the company had determined the charges to be legitimate charges and the claim had been closed. So I called the customer service department again and told them about this and that I would like to reopen the claim, to which I was told had to be done by emailing the support email. I immediately wrote the email telling them all of the information that I had previously told the customer service representatives and stating that I didn't approve these transactions, that I had never heard of the company before as well as informing them that I can not afford to have the {$120.00} taken from me for transactions I did not do. I woke up to an email today ( the XXXX of XXXX ) telling me once again they determined the transactions to be valid and that I can request the documents they used to make their decision. I will include the transactions from my bank account and the emails recieved/sent to chime support. The transactions themselves show that 3 of them happened at the same time with the 4th happening a minute later.
11/03/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • FL
  • 32301
Web
I am a small business owner & purchased these items for resale. I typically dont make purchases this big, so it was easy to identify once I did research. Initially, I was not aware of the transactions because the name of the company and where the payment was made are under different names, which prompted me to believe that this is/was not a legitimate company. The name of the company is XXXX XXXX XXXX XXXX, however thats not whats reflected on my statement. The items were set to arrive within XXXX business days via XXXX after XXXX paid in full on XX/XX/06, according to the merchant. If you look at the invoice provided, you will see what items were purchased. The list is lengthy. Its been reattached for your records. After the payment for the initial order was made on XX/XX/06, upon which XXXX systems and accessories were to ship, the merchant demanded more money for the items than what was agreed upon in the initial contract, which can be seen in the screenshot, and threatened that items would not be sent if payment was not received. XXXX, a representative of said company also added more items as an incentive to purchase more, which is what the screenshot is detailing. The initial order was only for XXXX systems with accessories in the amount of {$1300.00}. I ended up purchasing, or so I thought, XXXX systems, plus games, headsets, and controllers to alleviate the shipping cost of the original order under the guise that more items shipped means cheaper shipping for the company as they are a wholesale supplier and to also not lose my initial {$1300.00} payment. That brought the order to {$2600.00} as detailed in the invoice attached. I never received anything & was advised that my items would be ransomed if another {$1200.00} payment wasnt made within XXXX days to finalize shipment, which was supposed to be free based on the purchase of more items. I attempted to contact the merchant for a refund after the first payment of {$1300.00}, and was advised I wouldnt be refunded anything & would lose my money unless I completed the transaction totaling {$2600.00}, so I continued to send more money to complete the transaction totaling {$2600.00} in full for XXXX systems and accessories. Again, I never received the items. You can also see that the address & information on the invoice reflects what you all have on file and is correct. So there isnt a possibility that the items were delivered to the wrong address. Please help me. This company isnt a real company, yet is a scam promising amazing products for unbelievable prices to unsuspecting people. Thank you!
03/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 750XX
Web
To Whom This May Concern, My name is XXXX XXXX and I write you this message seeking your help. Over the past 3 months, it has come to my attention that my identify has been stolen. As of now, more than 5 accounts have been opened in my name dating back to XXXX of XXXX. I have only recently found out about these fraudulent accounts as I started receiving letters from collections agencies. I have been working with that collection agency and XXXX to help resolve these matters. To date, I have commenced the process with all the financial institutions that allowed accounts to be fraudulently created in my name except for one. That one institution that has refused to help me has been Chime Bank. I reached out to Chime on XX/XX/XXXX asking for help. Over the course of 9 days, I emailed their customer support team XXXX additional times asking for their assistance. In my emails, I repeatedly asked for a phone number of someone in their fraud department, so I could speak directly with a representative to solve my problem. Each time the representative from Chime refused to provide me with a contact with whom I could speak. Chime consistently said that they needed a police report to be filed, in order to further assist me. As you will be able to see from the email chain I repeatedly informed Chime that I was unable to file a police report at this time for the following reasons : I didnt open the account, so I dont have the account information I dont know where the account was open, so I dont know which police department to file a report with I dont know what was purchased, so I dont know what to claim was fraudulently purchased I dont know when purchases were made Chime continued to ignore my requests, which leads me to writing you this letter. I have nowhere else to turn. I have done nothing wrong. I am simply trying to address these issues of fraud that have occurred in my name. Chime has made it clear that do not intend to help me, the victim. I have also provided a PDF copy of the email chain between myself and Chime as proof that they refuse to assist me. I need your help. Please let me know what I can do to address this. This is both stressful and time consuming. To me, this is just an example of a big institution allowing fraudulent transactions to take place without any regard for the victim. Why is it ok for them to ignore my pleas for help when I have done nothing wrong and am not able to provide what they are requesting. Thank you for taking the time to read this message and I very much appreciate any assistance you can provide me.
10/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CT
  • 06010
Web
Hello I am making a complaint against Chime bank. There were a few unauthorized transactions occurred on my account. On Saturday XX/XX/2022 at XXXX XXXX a unauthorized transaction occurred that was {$210.00} from XXXX and another one at XXXX XXXX for {$210.00}. At XXXX XXXX I received an email saying my debit card was declined at XXXX for {$210.00} because I have disabled international transactions and still was charged. I was asleep during this time, I called Chime multiple times and they said it had to wait until it wasn't pending anymore and I waited. Once it settled I called back and filed a dispute on XX/XX/XXXX. They gave me provisional credit of only {$210.00} on XX/XX/2022. XX/XX/XXXX, they send me an email saying they concluded no error occurred and provisional credit will be reversed and the claim is closed. I called and talked to a manager of chime and they told me I could rebuttal and reopen the claim because on the transactions it says XXXX XXXX and I live in the United States. Thats a whole different country where the transaction was made. The lady told me to email them the proof I was in the US and I did and told me it would take a few days to review the claim again. An hour lady I receive an email stating no error has occurred and claim is closed. I called back and talked to a different manager and told them what had happened and how did they review it so fast when the lady told me it would take a few days. It's like they never reviewed it. She then tells me that I need to call the company and ask for the money back but I told her I never made the transactions so why would I need to call them? I asked them to call them and they refused. They sent me documents of why the claim was closed. It says were there any personal belongings stolen? and it says wallet. I never told them my wallet was stolen. It was still in my possession and my pin is not in my wallet as well. My pin is memorized in my head. I will attach all documents and hope you guys will be able to help me out! Theres still another claim going on with them that is pending but I called for that one sooner then this one and it happened the same day. One transaction is for {$110.00} by XXXX from XXXX XXXX and I live in the United States. Another one for {$210.00} from XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX and again I live in the United States. How did the one I filed after this get closed sooner? I couldn't file them together because the guy said the transactions had to settle first. You can email me back at XXXX or call at XXXX My name is XXXX XXXX
01/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 32780
Web
This a follow up complaint to my original one below is my original complaint as follows XXXX on XX/XX/2022. I couldnt unlock my debit card to use it. Chime was having issues where nobody could unlock thiers card. This issue caused me not be able to get gas after work to get home. I had to wait at the gas station for XXXX hours before the issue was resolved. This inconvenience caused me to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I was late I had to pay my XXXX XXXX XXXX XXXXor being XXXX hours late. This was very inconvenient and embarrassing not to mention a waste of my time. This is not the first time Chime had this problem. There has been many times this has occurred. I sent an email to Chime customer service explaining everything that happened. There response was thanking me for the feedback and they will try better next time. I feel I should be compensated for the extra money I had to pay the babysitter and for my time wasted. I made that clear to Chime. I could understand if it was a XXXX time thing but it was not. On numerous occasions Chime has had this problem. I feel that this should never happen we put our trust in the people holding our money with the belief that when ever we need to use our money we should be able to. Without any hesitation or problems. Per your response to the original complaint you indicated you did an investigation. Per your words below To note, you also mentioned in your complaint that there was a known outage during this time regarding Chime cards. We want to inform you that we found no outage when reviewing the month of XXXX in regard to your complaint. This a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was found during the month of XXXX XXXX your tweets and the status page of your services proves that you are straight up lieing. You tweeted on XX/XX/XXXX the day in question that members were having difficulty turning on and off transactions. Not only were you having trouble on that day. You were also having issues the next day XX/XX/XXXX consisting of the same exact problem from the previous day in which you also tweeted that day that there was issues in turning on and off transactions. So for you to say you did an investigation and found no issues were found for the month of XXXX is a straight up lie. That is totally unacceptable and quite frankly a huge issue of distrust if you do not take this seriously and keep trying to lie about the problem that was clearly documented that tgere was a problem I will choose to take another route which will involve lawyers and class action suits.
11/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • SC
  • 29445
Web
On Friday XX/XX/XXXX, I took my children to see XXXXXX/XX/XXXX at the XXXX XXXX XXXX. While there, my card slipped out of my pocket and someone must have picked it up. The following are the charges incurred and the dates as well : - XX/XX/XXXX - XXXX XXXXXXXX XXXX : {$48.00} - XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX : {$72.00} - XX/XX/XXXX - XXXX : {$11.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$91.00} - XX/XX/XXXX - XXXX XXXX : {$23.00} - XX/XX/XXXX - XXXX XXXX : {$250.00} TOTAL : XXXX I noticed the fraud when I checked my account on the evening of Saturday XX/XX/XXXX. I immediately cancelled my card and contacted the Bank 's Customer Support line ( Chime ). They informed me that since the charges were still pending that they could not process a dispute and that I would have to wait until the payments process, giving me no way to reach out to these vendors and/or their credit institutions. On Monday, XX/XX/XXXX, I was able to file XXXX disputes for the fraudulent charges ( you can only have XXXX charges total on one dispute ). Those claim numbers are XXXX and XXXX. Chime provided temporary credit for XXXX of those charges ( Food Lion for {$91.00}, XXXX XXXX XXXX for {$48.00} and XXXX XXXX for XXXX ) and claimed the rest would remain in limbo until they finalized their decision. On Thursday XXXX, I received notification that Chime states that no error occurred and that my claim would be closed. I rebutted, received a police case XXXX with the XXXX XXXX, SC police department ( # XXXX ) and informed Chime of these actions. Less than XXXX hour later, they responded and said that my rebuttal was denied that they were officially closing my claims and I am out of the {$500.00} that was stolen from me. I am waiting for the case to be available for viewing from the police department ( the intake call representative told me that it could be a couple of days ). Once I receive it, I will send it over to Chime ; however I'm not anticipating any support from their end. Chime is repeatedly stating that this issue is XXXX of my own doing, when in fact, it was theft, fraud, etc. I need help recouping these funds. I am a single mother and this money was supposed to go towards our housing and utilities ( first of the month ) for XXXX. I only started having funds deposited to this account a little over a month ago when my husband and I separated. I wanted to have a safe space for my finances while we undergo a divorce and this was the quickest and easiest account to use at the time. I am highly disappointed in Chime & their customer service team
10/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 94608
Web
I have been banking with Chime Bank XXXX XXXX XXXX XXXX, etc ) since XXXX, and have for the most part been relatively happy with my services. On Monday, XX/XX/XXXX, I received two emails notifying me that my checking, savings, and credit builder accounts had been closed, effective immediately. The reason behind closing my accounts was that my account " does not comply with internal policies and/or the member agreement ''. I tried calling numerous times with no success, as the recording said that since my account has been closed, I needed to email " XXXX '', or " XXXX ''. I emailed Chime support a few hours later requesting the reason why my account had been closed, and expressing that I needed access to the remaining funds immediately -- not tomorrow, not next week, not 30 days from now, but THAT DAY. I received a message back from a Chime employee named " XXXX '' who informed me that my account was not in compliance with my " Deposit Agreement '' and sent me a link to look over said agreement. Upon not finding anything out of compliance on my account, I emailed him back within 30 minutes of his email asking for further explanation. Since then I have received XXXX correspondence from Chime. I have tried calling again numerous times, finally got through to a live person for them to tell me I needed to email " XXXX '' in order to get an answer to my questions. Since then I have also involved a lawyer, as well as emailed them XXXX additional times to get answers, CC'ing my lawyer, the support email, as well as the review email addresses. My lawyer gave them 24 hrs to respond ( from XX/XX/XXXX @ XXXX ), with XXXX response. I have no idea how much money I actually have in my accounts -- I think I had about {$300.00} in my checking account and about {$300.00} in my savings account. I don't remember how much was in my credit builder account which was my main source of income. There was also an unrecognized charge on my credit builder account for {$200.00} which hadn't settled yet which I was planning on disputing. I have XXXX access to my accounts to even see what is still in there. Since they have not responded at all since the XXXX, I am forced to file a formal dispute. This inconvenience has resulted in me not being able to pay multiple bills, including my car payment and my car insurance, which will result in daily, weekly, and monthly late fees, as well as a negative impact on my credit report. I need this resolved immediately -- please, please help me! Please advise if any additional information is needed from me at this time.
07/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CA
  • 92706
Web
On XX/XX/2021, I sent money to my roommate through the chime mobile app. I entered my roommate 's name and phone number and selected the corresponding match generated by Chime. The recipient didn't/does n't have a chime account. She did not receive any notification of the {$100.00} payment or an invite to apply for a Chime account. I contacted Chime customer service on XX/XX/2021, to ask why my roommate didn't receive the funds and was informed that the money was sent to an existing Chime account, evidently belonging to an individual with the same name and phone number as my roommate. My roommate gave the Chime representative her date of birth and social security number but it did not match what was on file with Chime. The representative then instructed me to request the money back from the number/person it was initially sent to because, according to him, I could not dispute the transaction. I obliged and the request was sent to my roommate 's phone! My roommate attempted to follow the link and either log-in or create a new account but was denied both. On XX/XX/2021, my roommate spent over an hour on the phone with a Chime representative who, after initiating an investigation into her situation, consulted with other Chime associates and advised that I file a dispute for the {$100.00} payment in order to get the funds back. Since I was present during this phone call, I identified myself and verified my account and the representative began the dispute process for the {$100.00} payment, entering detailed notes about the circumstances before transferring the call to the dispute department. The call was put on hold for nearly 15 minutes before being disconnected. I never spoke with a representative to complete filing the dispute. Today, XX/XX/2021, I was unable to log in to my Chime account. Several deposits were scheduled to post to my account today yet I am unable to access the account. I received an email notification informing me that my Chime account has been closed and any remaining funds will be sent to me by check in XXXX business days. When attempting to call Chime, my phone number is recognized and associated with a closed account and I am not allowed to connect with an agent. Whatever the discrepancy is between my roommate and Chime has nothing to do with me. There should not be any penalty against me for attempting to get funds back where an error occurred. More significantly, the inability to access my funds will have detrimental effects on my already strained finances, especially during a national economic crisis.
05/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 34667
Web
Last year, I initially filed disputes with Chime Bank. Claim # XXXX They were denied after supplying documentation of my identity theft. This year I had gone to file another dispute on an error of my own, and the supervisor that was taking my dispute advised me when I told her about the disputes from last year that I needed to resubmit them and send a rebuttal which I did. I submitted documentation showing that the transactions on XXXX XXXX could not have been done by me due to the fact that I have a XXXX XXXXXXXX against my XXXX XXXX accounts, and I can not use them nor have I been able to for the last two years. I provided proof of the XXXX XXXX and numerous emails from XXXX XXXX confirming that there is a lien on my accounts and that I can not use them. This claim was denied so I was advised to continue to appeal it until it was approved because I had more proof than God they should be honored. I have appealed it six times now. This last time I was eligible for provisional credits on XX/XX/XXXX and when XX/XX/XXXX came and they were not put into my account, I contacted Chime Bank and I told them that I was supposed to have them that day. I even sent emails from Chime Bank investigative team. And they confirmed that they would be sent and issued on XX/XX/XXXX Which they were not. After contacting them all day on the third, I was told to email them to ask them where my credits were and that I was entitled to them just to receive a letter via email from them on the XX/XX/XXXX stating that my dispute has been denied yet again. They violated Reg E by not placing the provisional credits in my acct on the 10th business day and stated in their communication with me. Instead they strung me along the whole tenth business day, supervisors stating to me on the phone that my provisional credits were overdue and that they would escalate it to have the credits put back asap., they never emailed me on the 10th business day other than those emails and then on the 11th business day emailed me to tell me again they found no error on my account for the sixth time despite the numerous documents. They by law should have issued the temporary credits to my account in XX/XX/XXXX and they violated a federal guideline by not doing so. Or updating me on my claim other than telling me initially that I would get credits that day. I will continue filing dispute against this company and filing complaints until I get my money back because this is ridiculous. I would also like to add that I am and have been mentally XXXX and collecting SSDI since XXXX.
03/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MI
  • 48212
Web
Hello CFPB to whom it may concern, Somebody stole my {$3400.00} starting from XXXX to today XX/XX/2023 out of my account when I was sleeping plus they stole and I have just notified my bank requesting chargeback from all those transactions somebody hacked my identity guys please help me get my funds CFPB. I barely use that account I checked my email and noticed and contacted the bank asap they had shut the card down and promised to me that I would receive a provisional credit but every time they deny it every time 5 days before the provisional credits its like Chime not trying to help me recover my stolen funds and keep telling me no error occurred and an error did so to me its starting to look like an inside job with their Chime organization, they stole all my money out my account I want my money returned asap guys please help! I already notified my bank to hold that transactions All together they have took {$3400.00} in total and Chime even told me to provide documentation including police reports and etc and I did and they said again today for the second time that no error occurred based on my dispute and I havent even been out the house or been to XXXX New Jersey, which the fraudulent transactions came from I reside in XXXX Michigan and not New Jersey the charges are back to back unauthorized transactions which is obviously fraud I never even been there and whoever hacked my account and stolen my money isnt cool based on hackers and I looked on the internet its a lot of people experiencing fraudulent unauthorized transactions within their chime bank accounts which is currently looking like an inside job within their institution I saw random people on XXXX talking about this and the same error messages that chime had sent to them. They also said that chime eventually paid them their money when they went over someone higher over them. I just want my stolen funds back to I can pay rent and eat again. This is very frustrating to me that this have happened. I am providing the email they they sent me in the parentheses ( 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. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. Sincerely, Chime Disputes Team )
10/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • SC
  • 293XX
Web
The morning of XXXX the XXXX I called my bank chime inc to request a new card. I called the number XXXX XXXX XXXX XXXX at XXXX outgoing call and they called me back at XXXX and I was under the impression that I was talking to the bank, and I was not I was talking to a scammer. They informed me they were real. They wasnt going to take my money. They were chime. Informed me multiple times after telling me I could trust them. I then downloaded an app. They told me that It was protocol to verify my identity for chime. I then proceeded to download the app XXXX XXXX XXXX. they then proceeded to tell me to send money through my checking and savings account to verify I was real while I was on the phone the whole time they were taking my money. The man on the phone was still saying he could be trusted. I sent the money forcefully not knowing it wasnt my bank. It was a security breach through chime. I called my bank and my bank called me back. I was under the impression the whole time I was talking to my bank and when my money was gone in all accounts checking savings and credit builder. He hung up the phone. I then called back immediately and the number was disconnected. I was very very upset. I cried and cried. I had no other options. I just got paid my paycheck the day before. All of my money missing. XXXX in every account. I called chime begging and pleading to dispute my charges and please please help me. I have a family to feed and babies to take care of. They told me there was nothing they could do. It was all my fault. I sent the money. They couldnt dispute my charges and nor did they want too no one could help me get my money back. I then had to go take a title loan out to be able to survive the next XXXX weeks without any money for me or my children. I could only get a small loan with a XXXX percent interest rate. All because I had got scammed. I called the police right after and made a police report. I will add that below. I contacted chime and those emails will also be below. I made a police report and a chime fraud report and still couldnt get my money back. I have yet to get any money or any help through chime. I then saw the news article about chime inc being found guilty of illegally forcing consumers to waive their legal right and failing to provide security to consumers. As a result chime is required to refund affected consumers XXXX XXXX dollars to CFPBs victims relief fund. I am a victim of this crime and I will do everything in my power to get my hard working money back for me and my childrens sake.
10/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32810
Web
I've been banking with CHIME FINANCIAL INC.. ( CEO XXXX XXXX XXXX Co-founder XXXX XXXX XXXX who is partners with XXXX XXXX XXXX XXXXXXXX since XXXX and never had an issue until now. on XX/XX/2023 through XX/XX/2023 there was a total of {$100.00} taken out of my account between 6 unauthorized transactions made in my checking 's account through the merchant XXXX XXXX. My debit card was in my possession that day and never gave anyone my card information. I always memorize my card pin, card number, expiration date, etc. I never write any of that information down. I called Chime Financial Inc that same day, on XX/XX/2023 to report those transactions as unauthorized and made a dispute due to the fact that I never owned an XXXX console and never created an XXXX account with my own personal information. I don't have any family members or anyone that I know that owns a XXXX. Chime Financial Inc. started an investigation and in the meantime were able to provide me with a credit of {$100.00}. Upon investigation being completed, Chime Financial Inc stated that there were no error that occurred and reversed the credit from my checking 's account on XX/XX/2023. I didn't realize they reversed the {$100.00} out of my checking 's account until this happened AGAIN and more unauthorized transactions were taken out of my checking 's account on XX/XX/2023 through XX/XX/2023 in the amount of XXXX between 5 unauthorized transactions. After going through my " bank '' statements, Again I called Chime Financial Inc to report unauthorized transactions from the SAME merchant XXXX XXXX and dispute those charges. While that investigation was ongoing, I had them reopen the first dispute I made for the {$100.00} because even though they claim to not have found any error occurred, I know for certain that I did not make those transactions. I had them reopen the first investigation at least six or seven times with supporting documentation showing proof that the charges were indeed fraudulent, I even reached out to XXXX XXXX and they were able to send me a email stating that the charges are fraudulent, and each time Chime financial Inc would deny my case and told me that there was nothing they can do and that they do not issue refunds even though they are FDIC insured which I will be reporting to them, as well as a police report and getting in contact with a lawyer, I shouldn't have to fight this hard but I will take legal action if needed and sue XXXX XXXX and XXXX XXXX. All I want is my money back in the total amount of {$330.00}. Thank you
06/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 374XX
Web
My debit card info saved in the XX/XX/XXXX app was stolen and I was charged for 4 transactions totaling {$160.00} on XX/XX/2022. The unauthorized XX/XX/XXXX orders were placed in 4 different states in the same afternoon. I immediately saw the notification from my bank ( chime ) and disabled and cancelled my debit card to avoid further theft. I flagged these 4 fraudulent transactions in my banking app as well. Ive spent a lot of time trying to correct this and receive a refund- I have tried all methods of communication ( chat, email, phone ) with both companies involved ( Chime and XXXX ). Despite my tenacious attempts, no resolution has been made. XXXX customer service agents directed me to file a chargeback with my bank. They said that in instances like these, the bank will refund their customer and then chipotle will refund my bank as well as pay them a small fee. I relayed this information to chime customer service agents. I followed up after my dispute for fraudulent transactions was denied by chime. They told me no error was made. I rebutted this decision and requested that my dispute case be reopened. I emailed screenshots of the order confirmation emails I received fromXX/XX/XXXX, showing the time as well as the various locations that these transactions were made. My request to reopen my fraud investigation was declined. I have followed up with every email and phone call from chime and XX/XX/XXXX. This has been shockingly difficult to receive any help. I asked both companies multiple times what I could provide to prove my location was nowhere near the locations of these transactions. The only answer chime customer service agents provided me was the to send in a photo of a paystub if I worked on the XXXX. This theft occurred on the weekend, so I was at home all day, not at work. After telling customer service agents this, no other real solutions were given. I had no idea it would be this frustrating and difficult to simple receive a refund of my stolen money. Finally, I came up with an idea to email chime support a photo I took at my house on the afternoon of XX/XX/XXXX ( when the fraudulent orders were placed ). I also attached a screenshot of the metadata of that photo - proving that I was at my house when theXX/XX/XXXX orders were placed in multiple states far from my location. Im not sure how else to prove to my bank that these four transactions were fraudulent. Chime responded once again in an email saying that sufficient evidence was not provided. Please help this come to the correct resolution.
08/11/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • FL
  • 337XX
Web
On XX/XX/2021 I contacted Chime ( my bank ) to start a dispute # XXXX for a charge on my debit card for {$1900.00}. I called the bank a couple of days prior while the charge was still pending to stop payment and was told I had to wait until the charge cleared. I was told that the dispute process can take up to 90 days to resolve and was given a resolution date of XX/XX/2021. On XX/XX/2021 I contacted Chime to find out the resolution and was told the merchant has not responded ; therefore, the investigation team has not yet entered a resolution. The dispute agent sent a ticket to the investigation team and told me they have 3 business days to respond back to me via email. On Thursday, XX/XX/2021 I called Chime again because I still have not gotten a response from the investigation team. A dispute agent entered another ticket # XXXX I spoke with a floor manager in the dispute department just to be told the same thing -- he is sending a ticket to the investigation team for the resolution and they have 3 business days to respond via email. My hands were tied because I asked to speak to someone in the investigation department and was told they had no way of contacting that team. He entered another ticket # XXXX for the investigation team. He provided me an email address which I sent an email to and have yet to receive a response. On Monday, XX/XX/2021 I contacted Chime again and was told by the dispute agent that it is unacceptable that the investigation team is not responding. I was told that I should have heard back by now and that because the merchant has not responded within the 90 days the investigation team should have had a resolution by now. She agreed with me when I said I should have had my {$1900.00} back in my account. Again another ticket to was sent to the investigation team. Again, I spoke with a floor manager to no avail. I called again Tuesday, XX/XX/2021 to no avail. Today, I contacted Chime once again, spoke to a dispute agent who said she is going to escalate this issue to the investigation escalation department and I should receive an email in 1 to 3 business days. After she entered a ticket I received an email from a leader in the dispute department who writes in the email that they are currently working with the merchant to investigate my claim and that Visa allows 30 days for the merchant to respond to all inquiries. The merchant had 90 days to respond and neglected to respond so why is Chime allowing more time? I should have received my money back by now not provided with that answer.
04/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MN
  • 562XX
Web
XX/XX/23 @ XXXX XXXX {$1900.00} was fraudulently taken/ stolen by a man impersonating an XXXX customer service agent. He said his name was XXXX XXXX and his extension was XXXX phone number is XXXX. I contacted XXXX they said that they didnt have an employee with that name or extension. I immediately contacted chime because I had two step verification and I should have gotten a text message from chime asking me if I authorized this and I didnt. Its like the money vanished except it didnt. I checked my email and I have an XXXX this email said my chime card had been added to a XXXX wallet the man who called me had a very distinct accent hes from the XXXX XXXX like XXXX or something. Chime took my complaint said that they would credit the money back into my account while pending investigation and then they sent an email saying that it was authorized and they arent crediting it back to me. I have disputed made disputes with chime bank XXXX XXXX Ive called a detective and made a police report and I have called the FBI cyber crimes department as well, I feel chime is the culprit and they are taking there customers money. Then they had an attorney email offering to help represent me and get my money back but I already XXXX and this is what chime does when people get there taxes they get have had some kind of call where they lost all there money and chime refers an attorney to them and once they win the attorney takes your money. This is XXXX. This isnt just happening to me its happening to a lot of people who have chime. Thats all the money I had in the world I was saving to get me and my son a nicer place to live and I have to get it back. This happened nearly 3 weeks ago and I have stayed on top of it every single day of the week. No one has helped me whatsoever. Chime said that they cant do anything and to contact the merchant??? I did try that he didnt answer my calls but I do have a recording on my phone of my childs father calling him baiting him to do the exact same thing to him. So why has nobody called this guy and pretended to have an XXXX dispute with their chime card??? If they had contacted him and actually investigated then I would have my money back but they havent they are just trying to get more. I wont stop until I get my money back. If they continue to prolong it then I will sue for pain and suffering. I am disgusted and I know he can be caught because hes greedy. So please look into this because I know he has stolen a lot more than the {$1900.00} from me. Ok hes doing this for a living,
07/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30032
Web Servicemember
On XX/XX/XXXX of 2023 someone used my debit card information to make a purchase on the XXXX website for a hotel room at the XXXX XXXX, in the amount of {$210.00}. During this time, specifically from XX/XX/XXXX until XX/XX/XXXX, I was several hours away from XXXX, where the XXXX XXXX is located, attending the funeral of a relative. XXXX XXXX of XXXX is the family member who passed for verification. I notified Chime on XX/XX/XXXX, once the charge was no longer in pending status, of the fraudulant charge and provided a police report number for the fraud. I also called the website where the purchase was made, on XX/XX/XXXX, and was directed by the XXXX company to dispute the charge with my bank. I had already done that. On XX/XX/XXXX, Chime emailed me and denied my dispute but did not provide the reason for the denial or share any information that was used in their investigation to make the determination. On XX/XX/XXXX I wrote a letter to Chime and provided more details about the fraudulent charges and included other charges that were fraudulent. I explained that a former roommate was the person making the fraudulent transactions and after auditing my account statements in great detail, I also listed all the charges I was disputing and were unauthorized. In the letter I asked Chime to consider the information I provided as well as the police report and reconsider their original dispute denial. I also requested a copy of all documents and imformation that was used during the dispute investigation. From XX/XX/XXXX to XX/XX/XXXX I contacted Chime XXXX more times to follow up on my documents request and received nothing. On XX/XX/XXXX I send another letter demanding the documents and informed Chime of their XXXX XXXX violations. I was send an email on about XX/XX/XXXX with a link to access the requested documents. I was unable to open the link and have not heard from Chime to date with a solution to the broken link and fullfilment of my documents request. Listed below are the transactions that were unauthorized and fraudulant : XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$46.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$140.00} XXXX XXXX XXXX XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$44.00} XXXX XX/XX/XXXX {$68.00} XXXX XX/XX/XXXX {$21.00} XXXX XX/XX/XXXX {$6.00} XXXX XX/XX/XXXX {$12.00} XXXX XX/XX/XXXX {$19.00} XXXX XX/XX/XXXX {$16.00} I have requested the documents Chime used in their investigation for all the above listed disupted transactions multiple times and have never received anything.
10/07/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 28146
Web
On XX/XX/XXXX, chime put a suspension on my account. For context, I had just moved to north carolina and had signed up for unemployment, mainly due to the fact i had a XXXX scare back in XXXX and didn't sign up back then. I was accepted by the state of north carolina and handled it all with them, and used my chime account to recieve the unemployment through direct deposit. Everything was going fine until XX/XX/XXXX when they put a suspension on my account for " suspicious activity ''. This was all coordinated through email, they asked for info to verify I was me, so i gave them what they asked for, but in turn revieved another email shortly after asking for MORE. So I decided to give customer support a call, considering there was upwards of XXXX XXXX dollars in my account. The lady was nice and a comodating, had me verify some purchases and info, then told me i was good to go and everything was unlocked etc. It wasn't, i even tried using my card later to make sure and it was declined. So I gave it a day thinking it just needed some time to process. It didn't, so I replied to the email i had before i called customer support, and gave them MORE info, including my Social security card, a picture of me holding my id next my face, and proof of address. Again, this wasnt enough for chime, and they sent me another email asking for MORE. So again, i called customer support, and this time at least the man i spoke to was honest with me, looked at the emails and documents i had provided, said it would be enough but i just had to wait for the higher ups to get back to me. Shortly after that phone call i recieved another email again asking for more info, with more misleading context. At this point i was beginning to think i was being scammed, but how could i be scammed by a legitimate corporation? So I sent my final email with my concerns and worries, and shortly after, they emailed me back saying my account had been shut down and my remaining funds ( almost XXXX XXXX dollars ) were non refundable. I tried calling chime, but it is now an automated voice message saying i need to email. But ive gotten nowhere with email and them. I called XXXX, and there was nothing they could do, so i called the other bank that is associated with chime, XXXX XXXX. They said the same things, except when I talked to a supervisor they said that it was the " written '' department that had handled my account. Ive contacted an attorney who is going to take on the case, and I advise anyone who uses chime to switch banks immediately.
04/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 92648
Web
On XX/XX/2022 I had all of my credit cards/ debit cards stolen from my wallet. I was at a park in XXXX XXXX with my fianc and children when our car was broken into and the thief went through my purse and took out all of my cards from my wallet. Purse was behind passenger seat and our car windows are very dark limo tinted so you can not see anything inside. Car doors were locked. I received a text from Chime bank on our drive home that asked if I was trying to make a charge of {$500.00} at a XXXX in XXXX, I immediately replied no and the transaction was denied. I looked into my purse and saw my wallet still there so didn't think much more of it until I got home and looked online to see the thief did make a transaction for {$280.00} at the XXXX. I grabbed my wallet to get card out and call Chime right away and I realized ALL of my cards were stolen. I cancelled all cards immediately and was told by Chime that I had to wait until the transaction was settled before I could file a fraud claim. When I called to file fraud claim, I was asked a few questions and within an hour I received a response that my claim was DENIED. I was in shock and called back, they told me they didn't know why and I would have to wait for the investigation department to release that information so I could appeal decision. I waited for over a week and got no answer so I called again and they told me the person before didn't submit the ticket so they started over!! WOW. At this point, it's been over 2 weeks with no resolution. Finally last night I receive the reasoning and it makes no sense. My Chime card along with 5 other cards were stolen! I have never had this happen before and never filed a dispute with them. I have a police report filed as well. Chime has had the absolute worst customer service and I have already started getting my direct deposits into another bank account because I can't trust them with my money. No other company has given me such a hard time. Chime is acting as if I'M the criminal and they haven't backed me up at all. It's been such a hassle and I would never recommend anyone use this bank, your money is simply NOT SAFE there. It's already difficult enough going through all of this and the stress of losing a lot of money, Chime has made it way more stressful. I could maybe understand if it was a habitual occurrence and I had disputed charges in the past, etc but I've NEVER done that. {$280.00} for a mother of XXXX and XXXX XXXX XXXX with XXXX child is a lot of money to just be taken away like this.
01/05/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • CA
  • 90069
Web
I purchased a product from a business on XX/XX/XXXX using XXXX with my Chime debit card. I closed my chime bank account on XX/XX/XXXX due to their policies, I requested a refund from the business as the business I purchase the product from had shipping delays on XX/XX/XXXX. XXXX issued the refund to the closed Chime account and instead of rejecting the refund back to XXXX Chime accepted the refund without notifying me. I called Chime and they stated that I would have to wait 30 days for them to mail me a check. This is unacceptable, this is not their money and has no right to keep it for 30 days. The reason why I chime accepted the money instead of rejecting it was to put the money, that they have no right to, in an account that they earn interest on for the 30 days. I filed a complaint with the XXXX XXXX XXXX on XX/XX/2021. The business Chime stated in the response that they mailed me a check on XX/XX/2021 for the {$2000.00} that they accepted for a XXXX refund dated XX/XX/2021 on a Chime account that I closed on XX/XX/XXXX. To date, I have NOT received the check they owed me. I have asked for the tracking number of the check and a new check to be sent out and the Chime reps always say the same thing, that they will escalate it to another department and they will contact me via email in XXXX to XXXX hours. I have received no response via email of the multiple time I have called the customer service number and was told that someone would email me. I have called multiple times and the Chime reps are unable or unwilling to give me information on where my money is. I called XX/XX/2021 and the call started at about XXXX pm XXXX and it took about XXXX hours but I got a manager of the managers for the customer service reps named " XXXX '' who told me that they rejected the refund and sent it back to XXXX, and as proof, he emailed me the document I have attached which says nothing about sending the funs back to XXXX. I contacted XXXX and they did a trace on the funds which went to Chime who currently has them. It has been well over a month, I still don't have my money, can't contact anyone who knows what's going on or can help me. I have asked for a tracking number to the mythical check that no one can give me. I have asked for a new check to be sent out to no avail. I have also filed with the state attorney general 's office of California and contacted the FBI about this horrible company. My next move is to file in small claims court and name the CEO of this company as the defendant.
09/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AL
  • 35235
Web
On XX/XX/2022 on a XXXX. I received a text message and email notification that a XXXX XXXX has been replaced on my account. I now realize that I did not receive a notice from a new sign-in on my account. Also, I called the XXXX number and a male answered the phone, he denied being part of the scam. I personally do not know anyone in XXXX, Michigan, so I am more confused. Immediately changed back to my number and called CHIME, who did not take my allegation seriously. I changed my username, password, and pin, and requested a new card. I also noticed that all my saving funds were transferred to my checking and I transferred it back. Ive also kept the card LOCKED. And requested a new one which I still dont have. The next day around XXXX XXXX on XX/XX/2022 an attempt to debit {$500.00} was made. I am sleeping at this time ; how could this happen? It dawned on me. I am suspicious of a CHIME employee. How can someone keep attempting to debit from my account and get through XXXX, which is all linked? AFTER, requesting a new card, guess what? I am still getting transaction attempts how is that? They also took {$10.00} for a tip. Why and when have I ever tipped them? I called informing them this was not something Id done. I was told it could have been a mistake and it would be returned, I still dont see a return. Who else has access to my card info and my account? I have never lost my card info or had it stolen. I have not given anyone my information to use. I need help. This situation with CHIME has cost me emotional stress and financial. To the point, Ive been shopping around for a more secured bank account. I was moving over to discover bank and they shut my savings down, not realizing I have been trying to slowly transfer my funds over and trying to catch up with bills that are attempting to take from CHIME. I would like to know whos behind all this activity and compensation of some sort. In the attachment, I included proof of someone is still using my card to make purchases from XXXX for {$39.00} and {$1.00}, I did not do or know who this organization is. Plus, this is XXXX XXXX, and never up this early. Another today at XXXX XXXX for {$1.00} through a XXXX XXXX XXXX. Last nights transactions to my XXXX were all me as I have been desperately trying to get everything out of CHIME, but also paying bills, because I DONT have a DEBIT CARD for daily expenses, so I keep the card LOCKED the majority of the time. I need help because CHIME is not doing anything to help me.
07/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • MD
  • 21227
Web
I have been a member of Chime Bank for at least three years. I haven't had a problem until now. On XX/XX/XXXX I lost my card at the XXXX that is near my home on XXXX XXXX. in XXXX, MD. Apparently someone picked up my card and used my debit card at two different locations. He used it at XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX, MD for {$210.00} and {$3.00}. He also used my card at the XX/XX/XXXX at XXXX XXXX XXXX., XXXX, MD XXXX for XXXX. I called my bank immediately when the funds were taken. The representative on the phone told me to wait until all transactions cleared, then I can do a dispute for each of the transactions. I waited until they cleared, this was XX/XX/XXXX that everything had finally settled. I then called my bank back to file a dispute. They proceeded to give me instructions on what I needed to do. I filled out the form which they emailed me and returned signed with my name. They told me Ms. XXXX it will take up to 10 business days to make a decision. We will give a temporary credit and if we do not find that the transactions were fraudulent then we will take back the credit that we gave you. Within 20 minutes a decision was made to deny me the funds back, and they never gave me any temporary credit. When I called back to speak with a supervisor in the dispute department he told me I had to resubmit a rebuttal. He did not make clear as to why they said no, and said they did their research and they reached out to the creditors and it was still a no for me. I went to the XXXXXXXX XXXX place that was on my debit card, and the young man, XXXX XXXX, Customer Service Leader, show me the video of this man, I do not know, swipe my card for cigarettes. I asked him to write me a letter so that I could file a rebuttal. He did just that and I sent my rebuttal in with the letter that he provided me. Again, they denied my claim standing behind their initial decision. I was very upset, and was dissatisfied with the customer service they had given me. I was NOT given any credible information of how they came about this decision. They emailed the same signed form I was suppose to give them, and highlighted one word on my sheet, that word was, MEMORY. I am not sure how that helped them make their decisions. Also, today, XX/XX/XXXX, I spoke with XXXX, the store manager, at XXXX XXXX she told me I can not get a copy of the camera feed showing this man using my card to make a cigarette purchase. I will have to file a civil lawsuit and subpoena them for the documents.
01/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • WA
  • 98683
Web
On XX/XX/XXXX, I received unsolicited e-mail addressing me by my first name from Chime Bank welcoming me to their bank and letting me know that I will be receiving a debit card from them. I did not open an account with Chime Bank, so I searched for a way to speak with someone from the bank to resolve the issue. Calling their ( XXXX ) XXXX number was a dead end, all it did was refer me to an e-mail XXXX XXXX XX/XX/XXXX, I e-mailed XXXX stating that a bank account had been fraudulently opened in my name. I requested the account be closed, and their fraud department alerted. I gave them my phone number for them to call me to resolve this issue. On XX/XX/XXXX, I received an e-mail from XXXX : " Thank you for providing that information and letting us know you did not open this account. We have launched an investigation into this matter. We have blocked the account, which will prevent the account from being accessed by an unauthorized party using your personal information in the future. In order to formally close this account, we ask that you please provide the following pieces of information to verify your identity. Your primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a copy of both the front and the back of your ID. For security purposes, please provide a photo of yourself holding your ID card We will not be able to close this account until your identity has been verified. Please reply directly to this message and attach the requested items. All documents must be sent in JPG, JPEG, or PDF format ( we do not accept PNG, XXXX XXXX Files or other document formats. ) Kind regards, ******* | Chime Support. Chime Member Services '' I do not feel I should have to send them a copy of my ID and a photo of me holding my ID card to close a fraudulently opened account, especially over unsecure e-mail. How do I know what this bank will do with this information? Up to this point, I don't know if they have my full name, address, etc. If I send this information over unsecure e-mail, it may be intercepted by criminals. On XX/XX/XXXX, I replied to the above e-mail : Hello *******, I do not want to send personal information ( government ID card ) unsecure over e-mail. Isn't there a phone number I can call to get this resolved? Regards, XXXX As of XX/XX/XXXX, I have not received any reply to the above. There should be a way to close the account without having to potentially expose my personal information to criminals.
01/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 49316
Web
I submitted a dispute on XX/XX/XXXX to chime bank after noticing several charges that were duplicate amounts I never authorized on the same days at the same exact times and was told I would receive provisional credit by the 10th day. On that day I received an email stating I would not be given provisional credit due to the types of charges I was disputing and that within 30 days I decision would be made on my disputes. Okay fine whatever I can live without the provisional credit. Surely my money will be refunded once they look at my claim as it's clear as day it was duplicate charges as no one can make several charges in the same exact minute right?? So I keep checking the app and inquiring about my dispute... .they tell me now that it will take 90 days to make a decision. Which. Again. Whatever as long as I get my money back. So then on XX/XX/22 I get an email stating that they concluded their investigation and I would not be receiving my money back. Just like that. No further explanation. So I respond to their email and request the documents used and the info on how to appeal as I am allowed the right to do under law. And I get a generic email back that they are forwarding my email to the disputes department and someone would be in touch. 2 days later i get a link to my supposed documents by email and I click on the link. Only to find out it's a " forbidden request '' and there is no documents attached to this link. I email them and tell them this. And once again request my documents ... .and then I once again get the generic message that it will be sent over and the dispute department will get back to me ... .followed by an email saying within 10 days I'll get my documents ... ... but yet still no documents. I'm guessing because a mistake was made and they dont have a reason to deny my claim afterall. I am getting a 3rd party involved because I have read over 2k complaints against chime for this very reason and am disgusted in its practices. They should be held accountable for their actions to steal people 's hard earned money and if nothing else. Should be following the laws set forth to protect the consumer who trusts their money to a financial institution. Those laws are thrre for a reason. I am a single mother with no support system. Unable to work right now and that was a lot of money my children needed. And they just stop responding to my requests when I call them out on stealing my money. Its sick. Wheres my money and/ or my documents chime????
09/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 75024
Web
On Friday, XX/XX/XXXX My phone and wallet were stolen from me in a set up. These pellle were able to get my phone password after stealing the phone. They immediately went to and changed my XXXX XXXX and other information to lock me out of my account. Once they have my wallet and all my cards they illegally gained access to 4 banks ( chime being one ) and initiated transfers out of chime to cash app and XXXX XXXX from contacts oh my phone who agreed to send me.money for a false emergency for going to hospital. Ive head friends who sent & XXXX just based on texting me ( who it wasnt ) this went on for about XXXX hours. It took me a while to figure out what they were doing and I had to get in contact with XXXX and then XXXX and had the phone turned off the following day so they had the phone less than XXXX hours. during this timeframe they illegally got into my chime bank account moved funds around and cleaned out everything over {$6500.00} was taken from my Chime account both with cash app transactions and I believe they also purchase things at stores like XXXX and XXXX. The same fraudsters then did that with my three other accounts, all the same time all cleaning out every XXXX, I had. I have reported this to the police Ive reported this to Chime. I have reported this to XXXX XXXX. Ive reported it to XXXX and Im now reporting it here because this is a crime syndicate that is operating in targeting people and perhaps drugging people at bars to get the patron to not know whats going on, and this is financial XXXX. I need XXXX to do the right thing and work with me and work with the local law-enforcement to see that this is not an authorized charge and I should not be responsible fraudulent charges. I clearly wasnt with the people when this happened. I also have police reports I had to go out and pay full price or were {$1000.00} for a new phone and I lost over {$10000.00} myself between all my accounts and had family members and friends lose {$3000.00} and money that they sent thinking that I was in trouble and going into a hospital and need money because these hoodlums actually message people asking the money he sent to this phone Chime is a very good company. Im not angry at Chime, but I need to get this done and expeditious manner. I dont have any income. All of my money has been taken in frozen and Chime is telling me it could take up to 90 days for their investigation I dont have 90 days to wait when all of my money was stolen from me please help me.
09/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • AZ
  • 852XX
Web
On Friday the XXXX of XXXX I returned home from work and was receiving a tremendous number of verification codes on my phone when I was not using it. I realized my accounts were being hacked. I called my bank immediately when they were open at XXXX. I found them not be be helpful with the situation. I made continuous calls requesting assistance to secure my account. On Sunday the XXXX of XXXX I was on the phone with a representative who was trying to help me transfer the XXXX that I had in my saving account when he asked me if I had an XXXX account and I stated no. He said the hackers were in my account and were changing my E-mail and password. I started yelling can't you stope them and he said no. They he stated they were moving money around. Again completely dumbfounded that the bank rep was watching this without doing anything I was begging for him to stop them. Since my password was change my bank Chime a subsidiary of XXXX would not allow me any access to my funds. Infract they allowed the hackers to move XXXX out of my account and transfer it to XXXX without my authorization. because the hackers knew the password that change my account to and I did not. I had to send copies of me standing with my ID, SS card, prof of address to them and they still did not protect me account or allow me to pull my money out. They left me with no funds, sent back my direct deposit after I told them I needed them to let me have that money I am a single mother. I finally gave up and closed my account allowing another direct deposit to go back. They said they would expedite my check so I would have funds to feed my son. However as of todays date XX/XX/2021 they have not even processed the check. My back did not support me or protect me when the XXXX was rejected by fidelity the entire XXXX did not come back there is still money missing They are telling me there is only XXXX in my account I do not know where the rest of my funds went and Chime is not helping me. After further research since XX/XX/2021 it has been reported that Chime has had over 900 complaints regarding very similar situations. Not allowing people access to their money and holding their money. I also found out that Chime is no longer allowed to say Chime Bank. Please help and direct me to someone who can help me find my money and get it back in a timely fashion. I really need my funds to be returned to me. Thank you for your time Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
11/07/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • 77511
Web Servicemember
In XXXX my stimulus direct deposit in the amount of {$4200.00} was direct deposited into a Chime bank account that was not mine. It is Chimes policy to reject any direct deposit where the name and social security number on the direct deposit does not match the name and social security number of the account holder. That did not happen here. Chime accepted a direct deposit sent by the IRS payable to me and me only and they deposited it into an account that was not mine. All i have asked them to do is to return that money to the IRS so that the IRS can redirect it to me. That is what should of occured from the get go. I have the date of the direct deposit, the account number of the account it went into and the name of the account holder but Chime repeatedly ignores my requests for them to address and resolve thier mistake. I have offered my complete corporation in helping them obtain whatever documentation they might need from me to no avail. I have emailed them countless times at XXXX point a resolution in the right direction began and my complaint was forwarded to thier escalations department but fizzled out and had to begin the process over again and again and again. I do not understand what is so complicated it is VERY cut and dry. My stimulus direct deposit was misdirected into the wrong account. This misdirection is the fault of Chime not following its own policy where they should of rejected the direct deposit due to the names and social security numbers not being a match then when the IRS received it they would of issued a paper check to the recipient who was me to the address they had on file. However Chime chooses to recoup thier money from the account holder who received MY money is up to them, as for me they need to do what they should of from the beginning and that is to send the money back to the IRS and let the IRS handle it from there. Policies are in place for a reason and when those policies are not followed you end up with issues such as this one. I am not even asking for Chime to be responsible for the hardship thier mistake has caused my family during such a critical financial upheaval during XXXX. All ive asked is for them to verify what i am saying, verify my identity, and do what they should of done what thier policy states they should do and be done with it. Please do what you do and maybe itll be the push Chime apparently needs to do what they are supposed to do. Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX
05/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 91710
Web Servicemember
On XX/XX/XXXX I filed a dispute for unauthorized charges that were made through my account with Chime Bank. The charges were made on XX/XX/XXXX per the the initial dispute. After one day of investigation the dispute was denied. On XX/XX/XXXX I called Chime customer service to appeal decision on dispute. I was informed that I would need to prove that was not at the location of the merchant, at work, etc or file a police report. Which is the first violation of my rights per USC Title 15 1693g ( b ) which place the burden of proof on the financial institution and not that of the consumer. Even with this I proceeded to appease Chime Bank by filing a police report with the XXXX XXXX XXXX Police Department in XXXX XXXX XXXX CA ( XXXX # XXXX ) I assumed this would be enough to have a thorough investigation. I was then told that it would take up to 90 days to conclude investigation. Violation 2 of my rights Per USC Title 15 1693f stating that the financial institution has sixty days after transmission of dispute. Im the police report and email sent to XXXX there was corrections made to dispute after going thru the transactions again, calling companies from purchases where made to ensure which charges were authorized by myself and which were not. The total of XXXX charges were found to be not authorized XXXX charges made on XXXX and XXXX charges made on XX/XX/XXXX for a total of {$400.00}. I was able to also find that XXXX of the charges in original dispute was in fact authorized. This is all stated in email and police report. The dispute case was than reopened. After just one day of investigation the charges were once again denied. Even with the fact that my debit card was not in my possession due to card being lost. I once again called chime bank customer service on XX/XX/XXXX to request documentation with full disclosure of evidence that was used to my a conclusion of transaction error. I was told by XXXX of the dispute department that it would be sent to me within 10 days. Violation XXXX of my consumer rights per USC Title 15 1693f. ( d ) which states that the documentation would be provided within 3 business days after conclusion of investigation. I informed representative of these violations in hopes of resolution. After being informed there was nothing he can do for me as a customer of the financial institution and consumer I will be filing a complaint with the proper authorities. The representative responded that I should do just that.
08/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28079
Web
On XX/XX/XXXX, XXXX XXXX XXXX got tickets purchased with my debit card information fraudulently. On XX/XX/XXXX XXXX XXXX got a reservation made with my debit card and the information was used fraudulently. XXXX XXXX gave me my money back in XXXX days XXXX XXXX XXXX said that they don't give money back at all they were non-refundable tickets. I said not if it was fraud you have to give it back to me. My bank said that it would take 90 days and that they may not give me a temporary credit. I went to the police and the police check the ISP addresses of my device and the device that logged in to get those tickets and the reservations made they did not match mine and I was cleared. I gave my bank chime Bank which is backed by XXXX. XXXX XXXX XXXX committed fraud and made tickets and claim that I got those tickets. The post office said that no mail ever left XXXX XXXX XXXX address to mine in the last year since back in XXXX of XXXX. Chime Bank actually found against me because of the information sent to them by XXXX XXXX XXXX. I told my bank you have the police report proving that it was an unauthorized transaction and all you need to do is call XXXX XXXX XXXX and find they never sent me any tickets in those tickets were never claimed and those tickets were never used. For some reason chime Bank denied me again even with all this proof that it wasn't me and that I didn't authorize it they still gave my money to XXXX XXXX XXXX. I have asked for any new information to show why they're denying my claim. So far I have gotten nothing but my account sits in a negative because of chime Bank and deposits and withdrawals have been stopped because of that negative balance. Chime Bank refuses to pay attention to the facts and they also gave me a new card back in XXXX because of the unauthorized transaction. I really hate the fact that they're not giving me any information to show why they're denying me because the information they gave me after the first time I've already proven to be fraudulent and wrong because XXXX XXXX XXXX even wrote them and said we never did give XXXX XXXX any tickets but we've got a XXXX for him if he ever wants to go to a future concert. I said that's my money I don't want to go to any concert I didn't pay for the first XXXX but you guys are stealing my money from me even though the police agree with me that it was an unauthorized transaction and the fact XXXX XXXX XXXX admitted they never gave me anything for the money.
01/29/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • AZ
  • 856XX
Web
NOTE : THIS IS A FORMER COMPLAINT. I AM EDITING TO SUBMIT ONE MORE DOCUMENT THAT SHOWS THE DEPOSIT OF {$5400.00} INTO MY CHECKING ACCOUNT ON XX/XX/XXXX. Hello, I am having an issue with Chime bank not providing me documentation in regards to a deposit from my Chime Credit Card builder into my Chime checking account. I sent my first requests for documentation via the mobile app on XX/XX/XXXX and never got an answer. I then sent an email requesting a letter from Chime Bank on XX/XX/XXXX that verifies that I moved {$5400.00} from my Chime Credit card builder into my Chime checking account. I requested that the letter be on Chime letterhead for documentation purposes. I am in the process of obtaining a home loan, and the mortgage company is requiring that I provide documentation of all large deposits into my checking account. The issue with the Chime credit card builder statements is that they DO NOT show movements of my bank account funds into and out of the credit builder account. There is no way to get this information online or in the mobile app. Screen shots of a mobile app bank list are not acceptable documents for my mortgage company. For that reason, I requested a letter from Chime to verify that the Chime credit Builder is an account in my name and that I moved {$5400.00} out of the credit builder and INTO my Chime checking account. For reference I provided the XX/XX/XXXX statements for both the credit builder and the checking account. Note on my checking account statement, there was a deposit of {$1000.00} into my XXXX XXXX on XX/XX/XXXX. There is nothing on my credit builder statement that shows this deposit. The only thing the XXXX XXXX XXXX list are purchases I made with the credit builder card. I have spoken with 3 phone reps and one supervisor. None of the phone agents have the ability to provide me this letter. The supervisor helped me submit a request, but my support requests are being ignored by Chime. I have paid {$1500.00} already to start the homeloan process, and without this documentation the mortgage company can not verify the {$5400.00} deposit of funds from my credit builder into my Checking account on XX/XX/XXXX. The Chime app and phone reps I spoke with advised it normally takes 2 to 4 hours to get a response, but that it can take up to 24-48 hours. However, my first request was on Wednesday XX/XX/XXXX and no one is getting back to me. The fact that the phone reps can not provide a simple letter is frustrating.
11/30/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • MD
  • 212XX
Web
I was contacted by my bank, Chime, around XX/XX/XXXX in regards to my name not matching with what the IRS had on file and that I should provide them with a W-9 form as well as my drivers license. I provided them with the documentation a day or two after I received the notice via the secured link they have sent me over email. I contacted the bank later on that week to confirm that they have received the documentation. Customer service took a look at the documents but requested that I re-submit the documents again over the new secured link they provided. While I was on the phone with them, I did such and the representative, XXXX at Chime said that she escalated the issue to the internal protection team and that they were going to contact me over email to update me with my case. In case I do not hear from them, they can be reached at XXXX. I did not hear back from them and I went ahead to contact them over email. The first representative that got back to me responded with an automated message that suggested I submit the documents ( w-9 form and drivers license ) AGAIN prior having my account back in good standing. I angrily did so and waited for them to get back to me within the four allotted hours they mentioned. A day later I received the same email but from another representative, I decided to reply back to the email as it stated such hoping Ill have a direct response from a representative, but I kept getting the same email over and over again from a different team member. I contacted the customer service team again via the app and provided again the same documents even though I just wanted them to confirm my account was back in good standing and that it wouldnt be suspended, they told me thats something the internal protection team will have to confirm because it is outside their jurisdiction, but since I provided the documents, I should hear back from them. I didnt hear back from anyone until these days. I am a XXXX who works in the middle of the ocean every other month and travelling constantly. They suspended my account yesterday and I have been making lengthy phone calls with no response back. The last representative I spoke with yesterday asked again my documents and I did provide those to them, and she said the internal protection will get back to me within an hour as she escalated the issue, I still havent heard from them. Im out here with no cash money and using my credit cards. Any assistance would be extremely appreciated.
06/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • OH
  • 44109
Web
Chime is a unique type of checking and savings institution who provides both types of accounts including a unique Chime credit builder 'credit card ', all of which I have. First, XXXX of the benefits of a Chime account, as stated in their advertising was up to a {$200.00} FREE overdraft protection contingent ONLY on qualifying direct deposit MINIMUM of $ XXXX consistently for an unspecified period of time. I had moved my Ohio Child Support direct deposit to Chime almost a year ago well over {$200.00} minimum yet they have FAILED to honor the overdraft of {$200.00} on my account and persistently claim their SYSTEM decides when I get the {$200.00}! I have called them over 8 times asking why the refuse to increase my overdraft protection to the max of {$200.00}. They blame it on their system and become combative. In addition, the Chime Crdit builder credit card is a type of credit that used my funds moved from eitrmy checking and or savings account onto my card and them they report my use of the card to the the XXXX credit repositories. The funds are then held in the credit builder account and show as a negative balance I discovered on my XXXX credit report as I montor it i app. However for an entire 30 days, it reports as a NEGATIVE balance! At the end of a calendar month they pay the negative balance they're reporting to the credit bureaus with the funds I ACTUALLY put on the card, therefore reflecting it as paid in full, yielding a boost in my credit score. It has worked to improve my credit score, however, the account is intentionally reported as negative for 30 days based on the amount of money I add to the Credit builder card. Not sure if it's legal. Lastly, my main complaint is their false advertisement of {$200.00} overdraft protection and their denial of that feature to me despite meeting their requirements. I received an email today after my last call to the conpany this month asking why they refuse to grant me the benefit stating I no longer qualify! I never received more than {$40.00} overdraft over the life of my being a customer! The email stated that due to the fact that for the first time since opening my checking and savings, it was over 30 days mince my last direct deposit, ad XXXX HAD 5 WEEKS in the month. My direct deposit comes from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Feel their action today was retaliatory due to my demanding they stop advertising overdraft protection and refusing to grant it without explanation.
06/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32773
Web
On XX/XX/2023, I purchased a XXXX airline ticket for XXXX. When I submitted the transaction, I noticed XXXX charged me XXXX. I was unaware of the additional charge of XXXX. XXXX XXXX did not send any written correspondence via email or mail regarding the additional purchase of XXXX. Therefore I immediately canceled the transaction. Once I canceled the transaction, I received a refund ( same day ) for XXXX. Again, I did not receive a notification from XXXX XXXX regarding a cancelation for the unknown charge of {$69.00}. I only received a pop-up message, " Reservation Canceled Successfully. '' At this point, I am unaware of why XXXX charged me an extra XXXX ( Unauthorize Charge ). I could not figure out why the additional charge. I thought everything was ok since I received a refund the same day. A few days later, I checked my Chime Account and noticed XXXX refunded the XXXX for the ticket but not the unknown Unauthorize Charge. Because I canceled the transaction ( same day ), I didn't receive any notification from XXXX regarding the XXXX. I went on the XXXX website and researched what they charge me for a Unauthorize Charge XXXX Membership. I will reiterate I didn't receive any written correspondence regarding the XXXX Membership. I tried to cancel the charge, and per their website, I had XXXX hours to cancel. After XXXX hours, I can cancel without a refund, but I won't l receive the membership benefits. Since I received a refund for the entire amount, this is misleading to consumers. I will file a complaint with the Department of Transportation on XXXX XXXX. The XXXX is an Unauthorized charge. It is misleading to a consumer to see a credit for the entire purchase ( same day ), and a merchant does not need to provide written correspondence on how the Consumer will receive a refund. I emailed XXXX numerous of times with no resolutions. I notified Chime and filed a Dispute. They provided me with provisional credit for a Canceled Membership on XXXX XXXX. After the investigation, they reverse the provisional credit. They allowed me to submit another dispute as an Unauthorized Charge. I received a Final Determination email from Chime stating they found no errors, and my dispute is closed. I have had no issues with Chime until now. I do not have confidence Unauthorized charges are protected under REG E. As a consumer, I understand the REG E Policy and expect Chime to understand and enforce the Policy on Unauthorize Charge.
08/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • CO
  • 80226
Web
On XX/XX/XXXX I had lost my debit card but wasnt sure if I just misplaced it so I locked my account so that If found and used it wouldnt affect my account. Well unfortunately that did me no good. I called chime and let them know that I lost my card, but my money that was deposited into my account was gone via an atm. There was my tax refund deposited on the XXXX for {$3600.00}, and my card was locked yet money was taken through an atm. I called the atm company ( which I didnt know what they were until calling ) they asked if I contacted my bank. I stated I did and they said they would speak to them and that was all I needed to do. Almost 3 months after reporting these unauthorized transactions Chime closed my account and said they would investigate and could take an additional 90 days. I contacted them daily and even asked why it is taking so long when I locked my card, I even asked for access to these funds that were taken, however I was told that they were not obligated to do anything for me and wouldnt have to provide me a timely decision. That said as soon as they cancel my account, everything was deleted from my phone by them shortly after I received a denial letter stating that they were not going to replace the money that was taken. I immediately requested the information that led them to this conclusion and within 1 month they sent it. They didnt even investigate and despite giving them multiple screenshots of failed transactions, all of the charges went through despite my emails stating they were denied. They said they would look further into it if I submitted a request through a different email account and I requested arbitration as their page stated when there is not a satisfactory explanation. I even complained to the bbb but nothing happened and I still dont have my money and now they are reporting me to the credit bureau and they have my money and now states that Im in default on my credit building account which is tied to my checking but my funds were not available nor could they be withdrawn from an atm. To date they have my money and are unwilling to refund my money nor are they following their own account information with regards to arbitration. I have sent notifications to the irs regarding my refund being stolen despite it being deposited into my account during a time that I was unable to access my account without my debit card. Chime is no longer answering my emails or calls. I need help getting my money back.
10/07/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 32811
Web
Chime had closed my account days ago which I I didnt care about because they got upset I contacted the FDIC and as well corrected them to not call me by my first name. Its either XXXX XXXX or XXXX XXXX since I am a XXXX XXXX XXXX. And as well XXXX XXXX is respectful Im not their friend so anyways I didnt care and as well they are the worst bank. But anywho. I got a notification email saying they solved my disputes. One for {$130.00} the other for {$83.00} and {$100.00} my account was in a {$49.00} close to {$50.00} negative balance so I should get a check in the amount of XXXX or so. I emailed them since they dont let you talk to anyone on the Phone as well why I say the worst bank. So I contacted through email and they failed to respond to let me know so I told them its fine I will contact who I need. Also I had a dispute for XXXX which I submitted them the evidence Claim ID : XXXX. Now with that they send me an email saying We reopened your claim based on the additional information you provided. We have completed our investigation and determined that an error did occur. As a result, credit in the amount of {$75.00} was posted to your account on XX/XX/2021 and in the amount of {$8.00} was posted to your account on XX/XX/2021 and any applicable fee ( s ) have been reversed. The credit is considered permanent and we have closed this dispute case. Now that was false because before my account was closed I looked at my transaction history and {$75.00} was never posted on XX/XX/XXXX so they only gave me {$8.00} back which when I say they I mean chime. So chime need to refund the rest of that money because again I know what I seen I followed by the date they said it posted to my account as a refund and it was not there this order was placed XX/XX/XXXX and refunded it same day. A refund takes 3-5 days with so refunded could have posted any where from the 13 to the 15. 16 the latest and again I sent chime my transaction from The XXXX to show there was no credit posted that day for the full XXXX or the XXXX they were claiming and they have the nerve to give me {$8.00} back. So they need to go and fix that and give me my rest of my back then not only will it be the XXXX already on my account but the additional check for XXXX and whatever other dispute they have open to solve then that should conclude or business but other that that they need to find my XXXX check to me and they need to finish that dispute and any other properly.
02/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 78412
Web Older American
CRIMINAL ACTIVITY CRIMES COMMITTED : THIS REPORT WILL PROVIDE INFORMATION IN REGARD TO WHAT IS PERCEIVED TOP BE MONEY LAUNDERING. According to an entry situated in a CHIME account belonging to XXXX XXXX XXXX there awas a deposit made of XXXX that was reported in an email message and appeared in the data of the CHIME Credit CardBuilder. THe day of the entry was XXXX, near the XXXX or near the date. According to the apparent deposit, the CHIME Credit Card holder knew nothing about the origin of the XXXX amount while, instead, the card holder was expecting deposit ( s ) of XXXX pension benefit ( s ) on or near the same date. According to the report, the card holder questioned the XXXX entry and, subsequently, forwarded a message to the XXXX XXXX XXXX XXXX concerning that which was presumed to have been a slight and a deduction from the expected SSA retirement pension deposit. THe retirement pension deposit is received at the CHIME card servicer by way of Direct Deposit from the Social Security Administration. on a monthly basis. Card holder was, then, made aware that the XXXX dollar deposit, which at that time was no longer situated in the Card depository, was not associated with SSA Direct Deposit ( s ). Thereafter, on XX/XX/2023, a notification appeared at the CHIME SMS messaging indicating that a payment of XXXX was made to an unknown recipient. At that time the card holder became concerned that their CHIME accoutnt was/is being used as a conduit for some unknown party 's activities that involve Financial Fraud , Theft and, Money Laundering. Information may be forwarded in regard to the CHIME account number, Routing number and other information that may be necessary to represent evidence that may lead to the source of the crime. A call placed to the CHIME office provided NO ASSISTANCE at all. The call placed to CHIME customer service on XX/XX/2023 resulted in the customer service representative transposing the amount of the deposit while after being told that the errant depost was XXXX, the CHIME customer service representative responded -- after claiming to research the information -- stating that an entry was located on the date stated and did not match the data provided by the card hold while the CS representative stated that the entry located in the data was XXXX. THe customer service representative disclaimed the information provided by the card holder as being wrong. The card holder disconnected the call.
08/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • VT
  • 054XX
Web
I downloaded the chime app and attached my bank because my daughter was excited about the app. I assumed it was an investment app but waited for her to guide me to encourage her but after two weeks my personal bank account seemed off so I started going through transactions and chime had charged me {$300.00} the first week and {$100.00} the second week. I called them and closed my account and disconnected my bank and then called my bank to let them know what was going on. I waited 5 days like they said to get my money back but it only took two, the five days ended on a Friday and on Monday I went to delete the app to find it was fully open and my bank account was still attached plus there was another {$300.00} on the chime account. I called them and asked them where the option to turn off automatic deposits was because I never authorized them in the first place and the woman on the phone said she had to download the information and about 3 or 4 minutes into waiting she hung up on me so I called back and again asked how to turn off their automatic deposits, this was after I went through every option and setting on the chime app twice and there was no option for me to stop it. I got hung up on mid sentence this time. I transferred the {$300.00} back to my regular bank account and called back again and asked to talk to a manager and while on hold another {$300.00} was transferred out of my regular bank account to chime only 15 hours after the last {$300.00} was taken. The manager got on the phone and said I have to call my bank and that it was my bank sending them money and authorizing the amount and they had no control over what my bank does. As an adult with a XXXX XXXX who has had many bank accounts, I knew that wasnt true but I did hang up and call my bank who obviously said they werent authorizing the transfers. We put a stop payment on future transfers but chime blocked my account during that time so now XXXX cant dispute the or transfer the most recent {$300.00} that they are holding. They were extremely rude on the phone as well. My bank asked me to close down my chime account which I tried to do but was blocked from doing that as well. Im not sure what is going to happen from here but what I do know is that chime is a scam and that everyone should stay far far away from them. I just read all of their terms and they are using the excuse that the transfers are electronic communications I am attaching documents as proof.
06/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OK
  • 73044
Web
I have a secondary bank account with Chime but I don't always use this account daily so I don't always log into it daily. I logged in on XX/XX/2022 and noticed that there had been a {$190.00} charge that posted on XX/XX/2022 to somebody or some company named " XXXX *XXXX '' that I did not authorize. I immediately filed a claim through the Chime app at around XXXX am on XX/XX/2022. At XXXX pm on the same day I received an email from Chime that stated upon their investigation they have concluded that no error occurred and that no funds will be credited to my account and my claim was considered closed. There is no way that a thorough investigation was conducted in that short amount of time. I immediately found a customer service phone number for Chime and called it. It took me several tries to get through to someone but I finally spoke to a XXXX. He looked up my claim and said that he would reopen it since there wasn't a sufficient amount of time between when I made the claim and when it was closed out. I waited a few hours and logged back in to the Chime app and my claim was still closed out and it was never reopened. There is no way this is not fraudulent activity. The merchant name doesn't even look legit and there is no contact information listed to even reach this merchant. I Googled " XXXX *XXXX '' and there is information out from other people 's testaments that this is indeed fraud. If the XXXX stands for XXXX then I have never purchased anything on XXXX and my payment history on the site has no records of any purchase activity nor have I ever linked any payment methods to my XXXX account. On XX/XX/2022, I received Chimes ' investigation documents which were a joke. Chime is basically saying that because my card is still in my possession and because my personal information to my account ( phone number, email address, etc. ) was not tampered with then they don't find any fault in the transaction. Fradulent activity happens daily and the perpetrators don't have to physically have a person 's card in their possession nor do they have to change any personal information to theirs. My primary bank would have caught this unauthorized transaction immediately and/or would have reinstated me the money that was stolen from me. Chime has done nothing at all to help me in this situation. I do not trust my funds in Chime 's possession and feel that if this were to happen again, they will no go to bat for me as their customer.
01/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33141
Web Servicemember
I purchased 2 devices from XXXX on my Chime Credit Builder Card on XX/XX/2021 on financing with a deposit that totaled XXXX and I also paid my bill 2 months in advance totaling {$600.00}. I had just paid my bill a few days before this and it was {$200.00}. So I guessed my bill after adding home internet from XXXX as well would be about {$300.00} a month. I had just got my unemployment after waiting for months so I didnt want to take any chances of my bills being phone being cut off being that after Covid my source of income was left to rideshare and delivery service. However. XXXX XXXX XXXX ( my home internet company ) offered the same devices at a much lower rate so I returned the devices after getting approval from XXXXXXXX on the phone, they sent me return labels and guaranteed my refund of all money paid since my service would be canceled. However after weeks of waiting and getting no money back I called my bank and disputed the charges. I was told an investigation would begin and to send any proof I had. I sent everything. At some point, XXXX reached out to me saying they had been trying to return the money but the card I purchased with was canceled. Banks decision. So I called my bank with XXXX on the phone and after hours of getting nowhere I gave up. I was told I had to wait for the investigation. 90 days passed and the denied my dispute. I called ranting and spoke to a supervisor. He or someone then approved my XXXX transaction which was on my debit card not on my credit like the other transactions and stated that the reason they denied the rest and not the one was because the dispute was filed incorrectly. Saying it was filed as unauthorized and not as a canceled services like the {$200.00} transaction. So we submitted it again and said it would be escaleated and I should here a response back soon. I did not. I waited the entire 45 days and was denied again. I am now in arbitration with XXXX and have no clue what to due. Im unemployed now and my license is screwed and all the money I need to fix things is being upheld by my bank. I even sent them more proof from the arbitration and from XXXX legal saying that My bank has charged back all the payments yet my bank has not given the money back to me. And I even have messaged and phone them about other discrepancies. What can I do? When I have no bank to walk into? I want to close all my accounts with them but then wouldnt I lose all my money. Please help!
12/21/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • LA
  • 70809
Web
I was the victim of fraudulent transactions to my Chime checking account ( I believe via debit card ). I received texts alerts while at my job with my debit card in my possession asking if I authorized the following charges : {$1000.00} at 'XXXX # XXXX XXXX XXXX ' on XX/XX/XXXX ( to which I responded " No '' ) {$1000.00} at 'XXXX XXXX # XXXX XXXX XXXX ' on XX/XX/XXXX ( to which I responded " No '' ) {$56.00} at 'XXXX XXXX XXXX XXXX ' on ( to which I did not respond ) After I responded " no '' on the first fraudulent charge, I was assured via the text message alert system with Chime Bank that " The transaction was blocked and no funds have been taken from your account. If you believe your card was stolen or compromised, please disable transactions in the Chime App and request a new card from the settings screen or call XXXX '' However, another charge was placed and I received the same alert to which I responded " no '' and received the same supposedly re-assuring message stating that the transaction was blocked and no funds were taken. I took the appropriate action and disabled transactions and ordered a new card. However all of the money was taken anyway via these transactions above, and in total below : In total, the following charges ( in North Carolina and California ) were unauthorized and made and posted to my checking account while I was at my place of employment in Louisiana ( including three of the transactions above : XX/XX/XXXX : {$1000.00} at XXXX in XXXX, North Carolina XX/XX/XXXX : {$2000.00} at XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$10.00} at XXXX in California XX/XX/XXXX : {$2.00} at XXXXXXXX XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$1300.00} at XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$10.00} XXXX XXXX XXXX in North Carolina XX/XX/XXXX : {$22.00} at XXXX XXXX XXXX in California I called multiple times and emailed them multiple times in which I was notified that an investigation was open and that a credit would be sent to my account, but I was notified by Chime even after appealing and reopening the case with them providing proof of my hours at work in Louisiana showing that I was at work during the time of these transactions and NOT in XXXX, North Carolina, XXXX, North Carolina, nor California at the time of any of these transactions. Ultimately my account was closed by Chime and I NEVER received any of my money back for these fraudulent charges totaling {$4300.00}.
02/14/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 70117
Web
I am a XXXX XXXX in the state of Louisiana and I XXXX in XXXX XXXX. I received a paycheck of {$15000.00}. On XX/XX/2023, {$15000.00} was directly deposited into XXXX XXXX XXXX account ending in XXXX and {$200.00} was directly deposited into my chime credit builder account ending in XXXX. I decided to save a portion of the check by opening a savings account with Chime and initiated an ACH transfer of {$10000.00} from my first horizon checking account into the savings account with Chime. Immediately upon initiating the transfer through the Chime app, my account was flagged with suspicious activity and all of my funds were frozen and/or restricted. I received an email detailing documents that are required to verify my identity, which is understandable. I provided everything they asked for : a copy of my drivers license ( front and back ), a copy of my paystub, a bank statement, a copy of my social security card, a picture of my passport, a selfie holding my license up with a sheet of paper with my name and date on it, a written statement detailing the transaction, a letter of verification from my banking institution. Even after all of this documentation that I have provided, Chime still has my account frozen and restricted access to my funds. When I call customer service, they explain that there is nothing they can do on their end to remove the restrictions and pretty much tell me that I have to provide documentation, which I have. The customer service representative says that he can see all the documentation I've provided and even still his hands are tied. The representative says that I must communicate via email in order to fix the issue. Unfortunately, I am unable to reach anyone from the department that oversees account restrictions and security alerts. When I email XXXX, an automated response is sent to me asking for the same documentation that I have already provided with a link to upload documents but the link doesn't work. To this day, I have yet to speak to anyone through email and my account is now being considered for closure. I have {$10000.00} in a Chime checking account that is virtually stuck. All I want here, is to have the restrictions from the account removed so that I can transfer my money back to my checking account with XXXX XXXX so that I can close the account with Chime altogether. I'm concerned that Chime is essentially giving me the run around as a means to take my money. Please help!
09/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 27616
Web
3RD CFPD COMPLAINT ON CHIME Chime Managers have assured me on a recorded line that although they are aware that the company ( chime ) is treating me unfairly and unlawfully by refusing to reinstate unauthorized money transferred and charged against the account, there is nothing I can do about it. I was ironically and thankfully transferred back to the same Disputes Manager, who said himself on a recorded line, that he was absolutely shocked beyond belief that my claims continue to be denied based on the amount of firm substantial evidence I have and continue to add. I am able to prove with continuous recording of our conversations between Chime Member Services and Disputes team, that they continue to lie to me about handling why account and claims. I AM THANKFUL TO GOD FOR THESE RECORDINGS!!!!!!! Otherwise the 8 page and growing detailed journal I have showing Chime to have manipulate and misrepresent my account and investigative reports would have you believing to me making all of this up. Based on my dealings and occurrences and stories found on the internet, there is something fishy certainly going on! So fishy that I believe when its finally revealed its going to be one of the biggest banking embezzlement or fraud cases the world has ever seen! There is something extremely odd, peculiar, and fraudulent about Chime, and if the CFPB won't get to the bottom of it, you can trust I am! To perspective customers of Chime DO NOT JOIN!!!! NO BANK BACKS THEM, XXXX XXXX XXXX DOES NOT CLAIM TIES TO THEM... THEY ARENT EVEN A BANK THEY ARE A TECHNOLOGICAL COMPANY DECEIVING PEOPLE TO THINK THEY ARE A BANK. THEY TRIED ONCE TO BE CERTIFIED AND WAS DENIED! WHEN I FIND SPECIFICS AS TO WHY I WILL BE SURE TO POST UPDATES, THIS HAS NOW BECOME MY PASSION TO EXPOSE CHIME FOR THE FRAUDULENT THIEVES THEY ARE. THEY ARE SIMPLY NOTHING BUT ANOTHER XXXX XXXX! I CAN SAY YOU COULD AT LEAST GIVE A KUDDO FOR YOU TO BE ABLE TO ACTUALLY SPEAK TO SOMENE AT CHIME VS XXXX XXXX, BUT ALL IN ALL SPEAKING TO A CHIME EMPLOYEE IS WITHOUT EXAGGERATION THE EQUIVALENT OF SPEAKING TO NOBODY AT ALL! LET IT BE NOTED THAT I HAVE PROOF OF CHIME MANIPULATING FEDERAL INFORMATION AND FUNDS AND CONSISTENTLY BREECHES CONTRACTUAL AGREEMENTS MADE TO THIER CUSTOMERS! IF A HIGH POWERED ATTORNEY, OR ANY ATTORNEY FOR THAT MATTER WOULD LIKE TO ASSIST ME IN LAUNCHING A CLASS ACTION LAWSUIT AGAINST CHIME PLEASE CONTACT ME, AND OR PROVIDE YOUR CONTACT INFORMATION.
10/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 90037
Web Servicemember
To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of a recent issue with Chime, a banking institution. The situation involves Chime 's failure to provide clear information about a rejected check, their refusal to release the remaining checks, and their lack of proper customer service assistance. The sequence of events is as follows : Rejection of a Check : I deposited multiple checks into my Chime account, which were issued by the State of California as back pay from XXXX. Among these checks, XXXX was inexplicably rejected. Lack of Transparency : Despite repeated attempts to seek clarification, Chime has not provided any clear information about why XXXX of the checks was rejected. This lack of transparency has left me in a state of confusion and concern. Refusal to Release Remaining Funds : Additionally, Chime has failed to release the remaining checks for deposit. As a result, a significant sum of my funds remains inaccessible. Inadequate Customer Service : Chime 's customer service, specifically the lack of telephone support and the insistence on communicating only via email, has hindered the resolution of this matter. The lack of direct communication has exacerbated my frustration and made it exceedingly difficult to address the issue effectively. I firmly believe that, as a banking institution entrusted with the financial well-being of its customers, Chime has a responsibility to provide transparent, efficient, and reliable services. The failure to do so in this instance not only places my financial security at risk but also raises concerns about Chime 's overall commitment to customer satisfaction. I have attempted to resolve this matter directly with Chime, as any responsible customer would, but the lack of proper communication and failure to address my concerns leaves me with no alternative but to seek assistance from the CFPB. I kindly request that the CFPB investigates this matter thoroughly and intervenes to ensure that Chime provides clear information about the rejected check, releases the remaining funds, and improves its customer service standards to better serve its customers. I appreciate your attention to this complaint and trust that the CFPB will take appropriate actions to address this issue and prevent similar situations in the future. Thank you for your prompt consideration.
03/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 79602
Web
My Chime account was involuntarily closed by Chime and I have not received the remaining balance of funds in my account, which is approximately {$50000.00}. I have repeatedly contacted and spoken with Chime phone support for assistance in resolving this issue, to no avail. Therefore, I am reaching out to CFPB for assistance in regaining access to my funds. Below are the details of the issue and sequence of events : On XX/XX/2023 Chime sent me an email stating " We are reaching out because routine monitoring identified activity on your Chime Checking Account that requires verification. '' They further asked that I please provide the following, which I sent to them the same day : 1 ) Copies of your current Govt. ID or Drivers License 2 ) A bill or notification dated within the last 60 days to verify your current address 3 ) Proof of income ( W-2, paystub, etc. ) or source of deposits for the XXXX Money Transfers totaling {$46000.00} and the XXXX XXXX deposits totaling {$1800.00}. 4 ) Please provide an explanation for rapidly removing of funds via $ XXXX in billpay, XXXX, and other means. Regarding proof of the $ XXXX requested above, $ XXXX of that deposit was from a check that I received from my auto insurance company ( XXXX ) for a wreck of my truck, which was totaled in a car accident. The remaining deposits were from income from my self-employed businesses. Without having access to these funds I have not been able to replace my truck with another one. On XX/XX/2023, Chime sent another email stating the following : " Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2023. Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2023 to the address we have on file for you. '' In late XXXX I received a check from Chime in the amount of {$1.00}. I have no idea where they came up with that amount, since my account balance was around {$50000.00}. And I no longer have access to my bank account to see the remaining balance. I've continued to reach out to Chime about the issue, again to no avail. I would like to receive all of my funds back from Chime, but as of today, XX/XX/2023, I have still not gained access to funds. Can you please help? Very frustrated Chime Account Holder
03/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TN
  • 381XX
Web
On XX/XX/XXXX I was advised by Chime bank that my account was being placed on hold until I can verify activity of deposits to my account. Initially and with much urgency I replied to the email and advised them that I had recently received XXXX rather large deposits into my account the first large deposit in the amount of {$19000.00} which came from a lender by the name of XXXX XXXX, this deposit was for a small business loan to support activity for my sole proprietorship as a seasonal XXXX XXXX. I received the loan from XXXX on XX/XX/XXXX. A few days later I received a deposit in the amount of {$8900.00} from an insurance company that goes by the name of XXXX XXXX for a payout on my vehicle that was totaled in a recent car accident. Chime bank initially requested my picture Identification and anything that supports my proof of residence secondary identification and any documents that supports the deposits received. I then sent as a reply to the email my drivers license social security card a copy of my utility bill and the release that I signed for the insurance company along with a page from the company that sent the small business loan stating the amount and deposit account numbers for destination of the loan. After receiving the supporting documentation chime requested a picture of me holding my identification and a tax return transcript that supports sole proprietor and I sent those items to them as well. I also explained to chime that according to the sequence of deposits that I had already allocated and spent the funds that were deposited for my business loan and that the funds remaining in the account were my personal funds from employment cash transfers and the money from the insurance company. After going back and forth with them for 4 days I advised them that I had provided them with as much information that I could and that I didnt have anything else to give to them and they closed my account and said that I was ineligible for a refund they also stated that I wasnt in compliance with their internal policies and would not explain any further after I asked several times for an explanation. They made it as to where I can only talk to them via email and they no longer reply I had to find other avenues by going through XXXX bank to open a ticket for resolution. I was hung up on several times when they asked what I was calling about after verifying my account they would then disconnect the call.
11/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 325XX
Web Servicemember
I opened a checking account with Chime Bank in the fall of XXXX. I also signed up for direct deposit for my monthly Social Security XXXX check. I had used the account for several months when I was unlawfully arrested in XXXX on XX/XX/XXXX. I was avle to clear my name and was released on XX/XX/XXXX. During the time if my XXXX my identication was taken over by squatters that had illegally moved into my home. They stole all my personal belongings as well as my credit, debit, and gift cards. All my bank accounts had been emptied out and every XXXX of the month they were able to withdraw my money since I couldn't contact the bank while in XXXX. They used my name and ID to try to cash checks open other a counts and buy whatever they wanted. They changed phone numbers emails and passwords so they could get into my accounts. The bank never red flagged my account While in XXXX I would able to contact the XXXX XXXX XXXX and filed a police report.T Their hands were somewhat tied until I got out of XXXX. The investigation continues and several suspects have been identified. When I was released from XXXX in XXXX I contacted Chime by phone to discuss the fraud that had taken place. There were {$7200.00} dollars in fraudulent charges I filed a fraud statement for the transactions from XXXX until XX/XX/XXXX, the entire time I was XXXX 5 days later at the end of XXXX. Chime unexpectedly closed my account and I could no longer reach them by phone only email. I wrote over XXXX emails to them showing documentation and stating that it is impossible for me to have used my account because I was XXXX. I never gave anyone permission to use my card whatsoever They stated that there was no unauthorized use of my card and denied my claim no real rreason. I provided documentation of XXXX and police reports. My claim was still denied. O asked for documentation on how they came to this decision and they refused to provide it. They stated my behaviors and patterns indicate that there is no claim. Really? How did I do that while in XXXX? They also stated they have statements. Again ... XXXX This is the most absurd and misunderstanding of bank power I have ever heard of I am truly a victim of ID theft and have been trying to resolve it since this happened. I am XXXX and on fixed income. They allowed criminals to victimize me and turned around and victimize me again Please help me hold them responsible for my claim.
03/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • 33313
Web
i have been banking with Chime since XX/XX/2020. I have had no issues with direct deposit or any other matters until XX/XX/XXXX XXXX i got an email at XXXX from Chime Member Services stating there was a request to update the email address and phone number associated with my account and the email clearly stated that if I didn't make this request to contact Chime Member Services immediately. I did so, I spoke to a woman and after she asked me questions to verify my account, i told her about the emails I received. I stated that I did not make any request to update my account because I have had it for close to two years. She made notations on the account and forwarded the request to the Support Team. She assured me that my account would be safe. Two hours later, I received an email and a text message stating that the account had been updated to a non existing email address and phone number. I was locked out of the account. There was two unauthorized transaction made totaling {$310.00}. I filed a dispute and was told there would be an investigation and if they hadn't come to final decision in ten business days, I would receive a provisional credit to my account. This was scheduled to be credited to my account on XX/XX/XXXX. I received an email on Sunday XX/XX/XXXX from the Dispute Team stating that they had completed the investigation and they found no errors and I would not be entitled to the provisional credit. On XX/XX/XXXX, someone was allowed to update the account a second time. Fortunately, no founds were taken but my account was suspended to two occasions and I had to submit photos of me holding my drivers license with a piece of paper with my full name, the date and the email address I wanted to update the account to. i was told my several supervisors that the person that hacked my account did not submit any documentation to update the account. I questioned them consistently asking why I had to send photos to update my account and the person who hacked my account didn't. I consistently got the run around, They have cause me a tremendous amount of stress and I feel I should be compensated for the unauthorized transactions that occurred in Nevada as I live in Florida. I have filed a police report and awaiting it delivery. There has been several conversations with the Dispute Team and Members Services and no one will give me an explanation as to why the decision to not refund my loss was provided.
08/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 363XX
Web
My checking account with Chime online Banking was emptied out by 7 unauthorized transaction within a 3 day period all to the same person or account. The total was XXXX dollars I had no access to my account so by the time I realized what happened it had been several days I started on the XXXX of XXXX dealing with Chime about this because my XXXX check was also taken in these 7 transactions. When I made chime aware of the problem the said they would look into it and see what ha8. They approved me for a temporary credit but never gave me access to it. I kept calling each day they would give me the run around but send out automated emails saying they found no wrong doing in the transaction first time. So I filed a rebuttal and went to my sheriff 's office and filed a police report about the missing money and the 7 unauthorized transaction then again they sent a automated email saying they spike to the merchants and again found them not at fault I asked for them to show me the statements where the money went and as of today they still have not showed me where XXXX dollars of my money has been spent. I asked them if you talked to the merchants then you are aware of where the money went why want you show or tell me that. Now they closed another rebuttal saying no fault of there's still showing me or my sheriff 's office where the money went They keep closing it out so they can moved the temperary credit date back each time. XXXX went and read what I signed up for with Chime it's states if approved for a temperary credit it goes into your account within 24 hours well it's been over 24 days I've seen no temperary credit I was approved for or ant documentations showing where the money went Now they say I called and closed out the account 3 days before my next XXXX check. Was suppose to be direct deposited. I called them again telling them I did not close out the accounts. Because I was waiting on my temperary credit to go into and my XXXX check. I called today asked to have the account reopened and for them to send me the documents showing where the money went. They said they would email me it but like always they never send out any email at all I did not au5 those 7 transactions that cleaned out my saving and checking account I filed a police report stating I didn't authorize those transaction but chime seems to me is trying to cover up there mistake by ignoring me and closing my account out.
03/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MO
  • 644XX
Web
My phone was taken without my permission and used to XXXX XXXX money to 2 people over 66 transactions of $ XXXX {$150.00} sent continuously to these two individuals that I have never done transactions with prior. I did not give anybody authorization to use my card or my phone I was unaware of transaction being made because I didn't have a phone. I don't know who is responsible for making these charges I reported the charges and when I submitted the to the bank the ftc identity report the bank decided the end their relationship with me before the 10 day investigation passes so they don't have to provide me a provisional credit. I also experienced a system error and they sent the wrong person my money with their pay anyone even if they are not on chime it says you can send money to anyone by entering their phone number. I entered my son 's phone number and I sent him {$300.00} for his birthday I made sure the info I entered correctly hit send while my son was with me he never received the money and chime sent it to some man 's chime account and never notified my son of the money. I then requested the money back from this man appearing in my recently sent contacta I requested the {$300.00} and for some reason my son received a text message saying I requested {$300.00} from him to my chime account. I was told that I have to track this man down to get my money back when I am not the one who sent him any money I sent money to my son 's phone number a phone number I pay for. It is not my fault they redirected the money to somebody else 's account. They also would not provide me any contact information for this man to try and get my money that they wrongly sent to the wrong receipent. I find it all conviennt that they want to cancel my account before the 11th day when they are legally responsible to issue a provisional credit to my account for the unauthorized activity that should have thrown red flags and never should have been authorized. I want my money that was sent to this stranger returned to me or send to the correct phone number that I entered when sending and I want a provisional credit for the 66 unauthorized transactions that I am currently disputing before they shut down my account because I am protected from unauthorized purchases and that is my right by law. They can't close my account to prevent from issuing these provisional credits after I provided them with the FTC report.
03/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30253
Web
On XX/XX/2023 I use the pay anyone feature in my Chime app to send {$720.00} to my sons mobile number but to my dismay when I entered my sons mobile number nothing showed it was just his number and it said to confirm pay so when I hit confirm pay the payment was sent and then thats when a name pops up a name of a person that I do not know it was the name to the person that still had their chime account linked to the phone number that I was just issued on XX/XX/XXXX I sent chime the documentation that they asked me for which I then reached out to the recipient requested the money back and they didnt reply back I also sent them a receipt of when the number was issued so that they could see that I didnt know the person that was still connected to my sons account iContacted chime immediately they did nothing about it I told chime that I could verify the phone number they sent the money to wrong recipient it went to the account not the number. put that they sent the money to because the recipient was the wrong person yet they did nothing about it they tried to contact the person on the other end but they couldnt get in contact with her because she didnt have the phone number any longer the number was just issued to my son which is XXXX and wasnt old enough for a Chime account Chime refused to give me provisional credit why why they investigate the matter which they said it will be thoroughly investigated by XX/XX/XXXX but this was just XX/XX/XXXX I feel that the recipient should be at fault as well because she saw that I requested the money back a million times its unfair and is just not right chime denied the dispute immediately without even thoroughly investigating because if they sit down and looked at the facts then it wouldnt be an issue or error on me yeah I also sent chime to where you know every time the recipient try to make a a purchase or a transaction it will come to my phone number and she was trying to spend my money on {$100.00} on TikTok or you know Im saying I was blocking the transactions because I still had the number but I didnt have access to her chime account and I show chime all of this a team member even checked and saw that them that I entered a mobile number not a member chime member into my app and saw that the money went Straight into the account I didnt pay through my checking account I paid why enter my sons mobile number that I was 100 % sure belong to him
08/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Money order, traveler's check or cashier's check
  • Lost or stolen money order
  • MI
  • 48842
Web
From XX/XX/XXXX to XX/XX/XXXX once a week I get my employment pay check have been since XX/XX/XXXX direct deposit more than half of the time from then to now. I work for XXXX. XXXX does offer XXXX XXXX, so my check gets sent to the XXXX XXXX company then XXXX XXXX would send it to my direct deposit with chime ... every XXXX around XXXX XXXX I would get my checks on my chime debit before I even started getting XXXX XXXX ... when I got XXXX XXXX in probably late XX/XX/XXXX the remaining amount left over from my XXXX pay check that I didn't take out daily would be on my card on XXXX XXXX.. the chime credit builder card was now my direct deposit card through chime of course... I had signed up for a subscription or something that I didn't plan too and forgot to cancel... so I locked my card and when I would get my checks I would transfer from my chime credit builder to my chime debit well I lost my credit builder card n debit card also lost my phone so i couldnt verify the phone numebr and chime stated every email I'd given was wrong.. I know at least one of XXXX or XXXX i gave out was it ... my direct deposit has been thru the same place XXXX same time since XXXX of last yr.. my social security number didn't change neither my address... I ordered new cards to be sent to me from chime the lady stated I would have a virtual card on mobile app until my cards arrived... but I wasn't getting anywhere after about 30 plus emails... of them asking for selfish XXXX my drivers license and even the date XXXX my drivers license and email I did that email at least XXXX times... I've called even XXXX XXXX said they would override it but could take 4 to 6 weeks.. they said nope chime had to deal XXXX it ... the new cards came in the mail... I activated both credit builder XXXX chime debit my {$460.00} was not on the cards either one I had XXXX balance... I also had a whole new account XXXX routing number so that messed up my direct deposit... I call and ask to speak to a supervisor and they say the same thing if I want to have the email or whatever I just want access to the online account chime said I needed to email XXXX my issues they asked if I could send them an email from my original account to verify.. I told then I couldn't do XXXX an email back it's been 2 weeks XXXX nothing from them.. the last conversation they closed my account but can't tell me what or where my money went
07/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AL
  • 36605
Web
The IRS stated that my Federal Income Tax Refund was deposited into my Chime account on XX/XX/2023. After a few weeks of waiting it was determined that my account number on my tax return was incorrect. The deposit had occurred by the time the inaccuracy was discovered. Chime assured me that the funds would be rejected since the deposit didnt match the account owner. I waited the prescribed XXXX weeks for the funds to be returned to the IRS and a paper check be issued. After waiting, I was informed by the IRS that the rejection didnt happen. Chime accepted the deposit despite the inconsistencies with the name on the deposit and the account. For the past 3 days I have been in contact with Chime. I was transferred XXXX times via chat. I would explain my situation and then the representative would reply that they were experiencing technical difficulties and needed to transfer me. They did this XXXX times to tire me out and force me to end the chat. I then called and was transferred XXXX times before I demanded to speak with a supervisor. I explained the situation to him as well and he kept telling me that the system would reject the deposit if it didnt match the account owner. I spent XXXX minutes explaining to him that I understand in a perfect world the system is designed to reject it, but my situation must be an outlier because this did not happen. I repeatedly asked him to just take the account number I gave him and verify that my refund posted to that persons account. I sent an email with all of the proof from the IRS to include my tax documents. He wanted me to believe that he couldnt access an account with just the account number and no name and that no one in the company could do it, so there was no need for me to try to speak to anyone else. I told him that was absurd!! and there was no way I was accepting that answer. He then went back to trying to tell me that the funds would be rejected and sent back to the IRS. I asked him to kindly tell me how long that would take if that was the case. He said XXXX days. I then told him that its been almost XXXX months!! He kept talking in circles and refused to resolve my issue. I am 1000 % sure that my refund posted to that persons account thats on my tax return. Chime refuses to correct the issue!! I was defrauded out of almost {$10000.00}. Chime dropped the ball and did NOT verify that the names matched and in return I was robbed!!
10/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 955XX
Web
On XX/XX/2023 @ XXXX inside XXXX ( XXXX XXXX XXXX XXXX, CA ) I attempted to use a XXXX ATM to withdraw {$40.00}. After entering my pin and all other options the ATM was taking an exceptionally long time to process. As if it was frozen or something. So I asked the XXXX employee ( XXXX ) if the machine has had any problems. He came over and stood their with me and stated he wasnt aware of any issues, but was witnessing it not processing. After about another minute or so it finally said " dispensing cash ''. It dispensed my receipt and sounded as if it was counting the cash for an extended length of time, but the door never came open to dispense and then the screen just flashed back to the main screen you get to begin a new transaction. By this time there was also another XXXX employee ( XXXX ) standing with us as we are all standing there confused scratching our heads. I grabbed the receipt that it dispensed and it showed that the {$40.00} was withdrawn from my account but the three of us saw that it did not dispense and funds at all. As I am asking them who I would call the machine on its own went to a reboot screen or something like it was being restarted or something. At this point XXXX wrote an " out of order '' sign and placed it on the machine. Calling the number on the machine only leads to a recording telling you to contact your financial institution. Well when I reported it to Chime on XX/XX/2023 they initiated a dispute, i submitted my receipt and a statement and within 2 days got a claim denied resolution from them. I opened a rebuttal with them, submitted a selfie pic holding my ID and photo of my ID as per their request and within 12 hours they denied that rebuttal. I never received anything from them showing what their investigation involved. I do know they never tried to contact the witnesses. But if they only go by documents I sent then, yes, it would look as if i received the funds seeing as how that is what the receipt shows. But how can i have a document that shows the machine did not in fact dispense the funds? Since their denial of the rebuttal Chime doesnt reapond to my emails at all. When i call you cant get transferred to the investigation department and the customer service rep you talk to claims they can not see anything in the investigation and if i dont have any new documents then they will not do anything else involving this claim. ( Claim # XXXX ).
05/13/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33860
Web
I have been banking with Chime since XXXX. My chime account was hacked twice last Tuesday XX/XX/XXXX. I received a text message that my email and phone number had been changed on my chime app. I tried to log into chime and it said that I was using the incorrect log-in. This happen once at XXXX XXXX then again at XXXX. It was after XXXX and when I tried to contact Chime via phone the system didn't recognize my number because it was changed. The first time the $ XXXX was stolen Chime was able to reverse the transaction right away and give me my fund but the second time the money was gone. I sent an email to support but didn't receive a response. I was finally able to contact chime the next morning and spoke with a representative that advised me that {$10000.00} was transfered out to found and to open a dispute and XXXX change my informtion back to mine. Since then I've sent over 20 emails and spent over 10 hours on the ohine. I called Chime back only to get bounced around from person to person because the correct information was not updated in their system and they couldn't verify it was me. I finally spoke with XXXX in disputes who had me send in a photo of my ID and SS #. We filled out a dispute and I was notified that I would receive a provisional credit with 10 days, XX/XX/XXXX, is the date she gave me. XX/XX/XXXX, I received an email that Chime was closing my account for " Behavior that was not in compliance ''. Now every time I try to call I get an automated response that my account is closed and I can only contact them via email to their support. It's been 1 week and I haven't seen any resolution nor have I receive a provisional credit. It's just unfortunate that it was so easy for a hacker to access my Chime account in the first place. It seems as if there are more precautions that they hand agains me the actual ownthanthen the one who got access to my account. I just got a response from Chime from a rep name Pualie stating, " Regarding with your dispute ( XXXX ), I looked into the status of your dispute and see that you were not eligible for provisional credits due to the type of dispute you filed. Unfortunately, we do not have any additional information to provide to you and I apologize for any inconvenience this may cause. We will notify you through your email once we have an update for your claim. Thank you for your patience while we continue your investigation. ''
04/28/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • GA
  • 30350
Web
I originally opened my Chime Account so that I can move money into it and have another source for funds whenever I needed. I regularly move money into this account and it has never been an issue, but on XX/XX/XXXX, I attempted to transfer more than the allotted limit into my Chime account causing it to be locked. Ive been going through back and forth communication with this business via email and via phone and neither have made a strides towards resolving my issue. In email, every time I submitted the required documents or tried to respond to the email to ask questions to the agents they sent me the same email requesting documents again. I complied and yet those emails kept coming. Now abruptly, they told me via email that my account was closed and that I would not be getting a refund, I read the Deposit Account Agreement and didnt see where I violated and asked the company to provide further information, instead of doing so they sent the same automated email again refusing to explain why my funds were taken. To further explain my issue, I explained to Chime that the money I deposited came from my XXXX account. I received the money from. A Client for my freelance social media work and I moved some of it into that account so that my account would not be empty. I sent emails to Chime on XX/XX/2013, XXXX, XXXX, and XXXX XXXX and each time I kept getting automated messages. The support team at chime assured me that my funds would be secure but now they are telling me that they have been seized, I would like to get this issue resolved as soon as possible. The only reason why I can try to understand why they closed the account is because they said it cant be used for business purposes, however the account isnt used for that. Chime allows transfers and all I did was moved some of the funds from my account into this account. I had more than the needed amount in my main account so I moved some to chime to increase my balance which isnt a violation On XX/XX/XXXX chime emailed me and said my funds would be returned in 30 days and so for the past week or so Ive been trying to get an update on that because its almost been 30 days, well today they told me I wont be getting any refund. I sent a complaint to the XXXX and in response chime said that I could reach out to XXXX but if you look at my images every time I do that I get an automated message with discrepancies in communication
11/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IN
  • 46260
Web
On XX/XX/2021 I made a online purchase from a company via XXXX for the amount of {$780.00}. The company was in constant communication with me until I made the purchase. On XX/XX/2021 the company stated that the received my payment and that the items would ship out soon. The items never shipped out I reached out to the company about getting an update on the shipping on XX/XX/2021, XXXX and XX/XX/2021 all messages were time stamped and read by the company but no response. I asked via email on XX/XX/2021 for the company to issue me a refund for the payment as I no longer wanted the items. The company failed to respond On XX/XX/2021 I filed a dispute with my bank stating that the goods were never received and I was asked by the bank to send in all documentation. I sent in the following documentation to the bank to handle the dispute 1. Emails requesting a refund from the merchant, Emails following up with the company asking about the shipping status and no response from the company. 2. Emailed social media conversations where the company advised on XX/XX/2021 that I needed to come to XXXX XXXX to pick up my purchase when I paid for shipping. 3. Social media conversation where the company refused to issue me a refund and that I needed to work with my bank on the dispute process. 4. Complaint with the Texas Attorney General about this company that I not a registered business in the state of Texas. 5. Complaint with the FTC against this company stating that when you are a victim of fraud that your bank is required to do a charge back to protect the consumer against fraud. On XX/XX/2021 the bank stated they denied my dispute because they reached out to the merchant and the billing and shipping information matched, and I need to reach out to the merchant for a refund. There is no way that the bank even investigated my dispute because the address that is on my account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The address that I provided to the merchant for shipping is my new address XXXX XXXX XXXX XXXX, XXXX XXXX. So the statement made by the bank is false and misleading. I have reached out to this company several times asking for a refund and the merchant has failed to issue a refund. Clearly because the company is attempting to defraud me and the bank is allowing this company to defraud me. I have asked the bank to reopen my case and send me my money back to me.
11/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • PA
  • 19104
Web
On Friday XX/XX/2023 I decided to deposit my paycheck into my checking account using mobile deposit. After taking pictures of both sides of the check as well as signing the check I hit the submit button. A message popped up stating that the funds will not be available until XX/XX/2023 knowing that I could not wait that long for the funds to become available I hit the cancel button ( to cancel submission of the check ) after not being able to cancel the check, I immediately called Chime. I spoke to XXXX at XXXX XXXX, explained the situation and was told on a recorded phone call that the check has been canceled. Not satisfied and also to reassure that my needs be met, I then called back to Chime and spoke with XXXX at XXXX XXXX XX/XX/2023 on a recorded line, explained to XXXX that I just deposited my check, tried to cancel the check as XX/XX/2023 would be too long to wait for my funds to become available. I was then assured by XXXX to not worry ( on a recorded line ) my check will be canceled. Due to bad past experiences with these type issue 's, I then decided to give Chime a call for the XXXX time to assure my check was going to be canceled as I instructed. I spoke with XXXX at XXXX XXXX ( Pacific ) time, explained for a XXXX time that I needed to have my check canceled due to me not being financially stable enough to wait until XX/XX/2023 for my funds to become available. No worries said XXXX, your check has been canceled and you are free to take your check to any financial institution to cash or deposit. Me believing that my check was canceled because that's what I was told on XXXX different occasions on recorded phone lines, I decided to take the check to a local check cashing agency in my area on XX/XX/2023 only to have the police called on me, because it was the check cashing agencies belief that I was trying to defraud them by trying to cash a check that was already deposited. I was allowed to call Chime to have the story verified and fortunately was not arrested. I've tried on numerous occasions via phone calls/emails to find out why my check was never canceled per my request and no one could give me an answer. This was very unfair to me. And I definitely deserved to be treated more fairly as a consumer. To date I still vant get a straight answer. And I'm still waiting for my funds to become available as I now have to wait until end of day ( whenever that is )
07/03/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • OH
  • 441XX
Web
On Saturday XX/XX/XXXX I submitted a dispute for several fraudulent transactions with chime. I had stopped using chime back in XXXX of 2022 because I believed they were scamming me because of the money that was being taken out of my account without my knowledge and i had also had my phone stolen at work with my chime card and ssi & ID in the back of my phone case. I told them I believed thats how i was scammed for all of those fraudulent transactions that I disputed and also that money from my job had still been posting in my chime account after i had stopped using it because i was unable to change my direct deposit information with my job because i couldnt access my chime account anymore so I didnt have access to my routing and account number but i still had my card connected to my apple pay which I eventually stopped using because i was getting paid but most time my card on apple pay was declined because i was still being scammed out my money. Ive tried ordering new cards several time before I completely stopped using chime however the same thing was happening with each card and chime couldnt figure out how to stop it. A few days ago i tried to create a new chime bank account because i had completely forgotten about my old scammed chime account but that app prompted me to sign into my old account Chime told me that they would do a complete investigation and let me know of the results. However, on Sunday XX/XX/XXXX at XXXX i got an email from chime stating Hello XXXX XXXX XXXX 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 emailed them back for the documentation on how they did the dispute and verified the information was inaccurate. I also asked how is it possible that a investigation for 20+ transactions had been completed in less than 1 day. I truly believe chime did not do any investigation at all and that they lied about my investigation/dispute They have been unable to provide me with the documents and dispute information. In fact, they said id have to wait 10+ business days to receive that information in mail because they arent going to email it to me I found this very unfortunate. Here are my reference numbers for my disputes XXXX XXXX
10/26/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 90061
Web
Communicating with Chime, going on 3 weeks now. I have saved up money overtime within my XXXX account. I thought about having a Chime banking account. I heard great things about the Chime online banking services. I decided to have my money to be housed there, therefore I opened both a checking and savings account with Chime bank online. All of my money was out of my XXXX account and into what I thought was a legitimate financial institution, went into both checking and savings accounts, subsequently and combined to a total of {$21000.00}. Chime, without notifying me or providing any documentation by mail, has closed both of my checking and savings accounts. Since XX/XX/2020 I have not been refunded of my money. The Chime bank never gave me a better understanding as to why my accounts with all of my money in it should be closed. I complied with all of the rules of this bank. I provided all of my identification, proof of address, and a written explanation on the origin and intended purpose of my money via email to them. It's been well over 2 weeks that I haven't gotten a response or seen a delivery of my check in the mail. According to their deposit agreement, I and the bank can close my accounts for any reasons. Also, the bank has within 14 days to issue back to me my balance if it's over {$1.00}. I haven't seen a dime of my money. I have to take care of my family with this money. I want my money back. I can not ever get a hold of someone at this bank by calling their XXXX number nor a legitimate explanation as to what's going on with my money and the whereabouts of my money whenever I have spoken to the bank representative. I just want my money back. I feel as though they've violated me beyond my civil rights. All of my communication has pretty much been communicated through emailing them at this email address XXXX. And whenever I've called, I'm not getting nowhere to a resolution about my money being refunded. I have waited out the following 14 business days because after an account closure the bank supposedly will refund the money in the accounts. I spoke with Chime Bank floor Manager XXXX, XX/XX/2020. All relevant information requested was provided to them. And XXXX acknowledged receipt of those documents. According to her, the accounts are closed and the system won't generate a refund. XXXX stated there's no refund. This Chime bank fraudulently took my money.
08/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • DE
  • 19901
Web
On XX/XX/2023 I observed charges from California on my account that I didn't make. I called Chime customer service and disputed this charges, upon requesting the disputed transactions to be investigated, I had to be issued a new card due to the current information being compromised. My date for receiving the new card was XX/XX/2023. I reached out to Chime customer support today due to not receiving my reissued debit card, shortly after I received a text message saying my address was updated, then the agent from chime said my card wasn't shipped due to my address needing to be updated, as I tried explaining to the agent, my address has already been updated XX/XX/2023 and that I had an email confirmation showing this, after updating my address in XXXX, I received my new card in XXXX, so there was no way that my new card wasn't shipped due to needing a address updated. I was then told the card would be express shipped and that I would receive it in 3 to 5 days. I then requested to speak to a supervisor to express my concerns due to the further wait of not having my debit card to use for shopping and financial needs. I was then told by the supervisor that the agent gave me false information and that I was going to now have to wait until XX/XX/2023 until my new card would arrive, due to the fact they didn't offer express shipping for my account and that if he was in my position he would transfer his funds to another financial institution and close his account. I then spoke via phone call to another supervisor that told me they do offer express shipping for accounts but not mine, when I explained what the previous supervisor told me I was transferred to another supervisor due to " audio issues '' on her end. I then requested an option for faster shipping with the new supervisor " XXXX '' that I was now speaking with, due to their mistakes and inconvenience they've caused that my card be shipped express but was told that decision was in the hands of there advanced customer solutions team. I have not received any information regarding the initial cause of my information being stolen and used for XXXX XXXX in California, and haven't received any emails regarding my card replacement. I have all communications between myself and chime staff both audio recordings, emails and screenshots of full Chime support chat. This is beyond unacceptable and has been beyond frustrating.
04/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • VA
  • 231XX
Web
On XX/XX/XXXX my debit and credit cards were used to complete unauthorized transactions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been to this store ( nor had I ever heard of it ) before XX/XX/XXXX, when I showed up to talk to the merchant about charges. During that time the owner of the establishment told me that two women were in the store trying several cards the day prior until mine unfortunately was approved. They have stolen XXXX from me in total. I have filed a police report with the XXXX Police Department ( report # XXXX ). On XX/XX/XXXX I filed a dispute with CHIME and spoke with a representative named XXXX, who stated he was a supervisor. The claim numbers for these disputes are XXXX and XXXX. He informed me the investigation could take up to 90 days which is not acceptable when other banks offer their members a provisional credit in these cases. On XX/XX/XXXX less than 24 hours after the dispute was filed I received a generic response stating that the investigation is complete. I attempted to contact CHIME via telephone and spoke with a very rude representative named XXXX XXXX XXXX XXXX XXXX XXXX ) who disconnected the call, saying that it was for quality purposes. She refused to help to escalate the call stating that she can only place notes on the account. Every answer given was generic and followed by " this is all that I can see on your account ''. I followed the call with 3 emails to chime requesting that any information in the investigation that helped to reach this adverse outcome be immediately sent to me. They are saying that this will take 10 business days. I asked to file a rebuttal or appeal of the decision and was told my only recourse is to email XXXX. I did take these steps but i am now seeking assistance from a higher authority as this bank ( if you can call it that ) is not following bank regulations. On their website they advertise zero liability for unauthorized charges, but yet they have done nothing to return my money. As a young person of XXXX XXXX this money is very important to me and too much to lose. I am left with no debit/credit cards to access my money and I am out of XXXX. The job of the bank is to protect its consumers against fraudulent charges. CHIME has failed to do that. I would like my funds, in the amounts of XXXX + XXXX to be returned to me.
06/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 92544
Web Older American
XX/XX/XXXX I received an email from Chime Bank saying that my account had been in review and that i should review the Chime Deposit Account Agreement. i read it but i was never told of what i had done wrong just that my account was closed. I emailed Chime about my social security XXXX check that was coming direct deposit. It has come direct deposit since i opened my account in XXXX with Chime Bank. They emailed me back stating that i had no refund coming. My XXXX check was there so i called social security 's XXXX location to ask if they could hold my entire check and keep it. Thats when I was told my check was indeed deposited into Chime Bank but it wasnt on XX/XX/XXXX it was on XX/XX/XXXX. Why was my check deposited to a closed account? Why didnt the bank return it to SSI cause my account was closed? Chime has never answered that question so i proceeded to email chime daily to try to change thier mind to keep my change of about XXXX dollars. ive told them i read the disclosure but i dont understand what i did wrong? my XXXX check has come direct deposit the same way everytime as far as I know. the emails i got became very frustrating. everyone were signed by a different staff member and every one gave me a diiferent thing to send them in hopes of them releasing my refund. i asked several times could someone please call me. i was told someone would be finishing up and would be following up with me. that never happened. i feel like every person was trying to help and they read what i emailed but they thought they could fix things for me when they couldnt not one of my emails came from the same team member. it was very concerning that perhaps it was a mean game. im XXXX in not a fun way. i have XXXX and XXXX bad. im XXXX and have a very hard time understanding what people think is simple. my account is a debit account only no checks with a Chime account so i didnt have much to pay. i asked for an itemized list of charges that they are charging me for closing my checking and savings accounts. i get nothing no explanation. As of XX/XX/XXXX my account remains closed and took away my access to look at my account thru the chime app. They also blocked my phone so i can only ask about being a new customer. XX/XX/XXXX Chime took my XXXX check an told me im not getting any refund. Thats my only source of income so I dont get to pay my bills or eat anything.
06/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 92116
Web
On XX/XX/XXXX I purchased on XXXX a room for XXXX nights at the XXXX XXXX in XXXX XXXX, California. The transaction totaled {$470.00}. I arrived on XX/XX/XXXX to a room infested with bed bugs. This was unacceptable and I immediately informed the desk that this was not going to work out because it is unclean and hazardous to my health and I went to XXXX to provide a refund. They did not. I then on XX/XX/XXXX filed a dispute with my Card company Chime they have 10 days to investigate the dispute and if more time is needed upon providing a provisional credit have time extended to 45 days. It is now XX/XX/XXXX calendar days later and 11 business days later including the a XXXX XXXX holiday. No response of on the investigation is been provided. Also no provisional credit has been added to my account. The law on bed bugs in California is ; California Health and Safety Code Section 17920.3 Any building or portion thereof including any dwelling unit, guestroom or suite of rooms, or the premises on which the same is located, in which there exists any of the following listed conditions to an extent that endangers the life, limb, health, property, safety, or welfare of the public or the occupants thereof shall be deemed and hereby is declared to be a substandard building : ( a ) Inadequate sanitation shall include, but not be limited to, the following : Infestation of insects, vermin, or rodents as determined by the health officer. General dilapidation or improper maintenance. Appendix 2- California Code of Regulations, Title 25, Chapter 1, Subchapter 1 Section 40. Bedding : In every apartment house or hotel, every part of every bed, including the mattress, sheets, blankets, and bedding shall be kept in a clean, dry sanitary condition, free from filth, urine, or other foul matter, and from the XXXX of lice, bedbugs or other insects. The bed linen in a hotel shall be changed before a new guest occupies the bed. In every dwelling unit where linen is furnished, the linen shall be changed before a new guest occupies the dwelling unit. 25 CCR 40 Bedding. State Housing and Community Development- Bedding Beds in apartments and hotels that supply beds and bedding to renters must ensure that all bedding is clean and free of bedbugs. Linens must be changed before a new occupier occupies the unit. Hotel bedding must be changed before each new guest arrives.
06/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CT
  • 06112
Web
The first thing that happened was that I had got a notification from a website that I won a tablet so I felt out the application for it and a little bit later I decided to check my chime account and it showed me that something was pending for XXXX $ and that wasn't from me. So then I decided to call chime and they told me that they were going to do a dispute and to cancel/ get a new card. And then I called XXXX and they told me to call chime back to let them know that there was nothing that they can do because it was authorized. When I didn't do that because I don't even have a XXXX account. So then I called chime back that's when they said that they closed the dispute and they didn't even investigate nothing, then they told them if I get anymore proof call them back, then some someone tried to order more stuff on Wednesday at XXXX pm for something called XXXX, then on something called XXXX on Saturday at XXXX, so I called chime and told them about it and they told me to cancel my other card and to dispute it, and then with all those disputes they closed them all without checking into it, they told me that it was enough to reopen the claim, until I got a message saying that they weren't going to reopen it, they have told me to do a police report which I couldn't do because they weren't trying to get what the officer was saying to them so there was nothing he could even do, sense I had chime my money has been getting stoled not only on this cards but on other cards kind of connected with chime, this has been happening for now over a year and I really need my money back because over a year ago something was charged for XXXX $ dollars, there's other stuff that I may not be aware of, if money that I may not be aware of because I thought my money was safe cause there's large amounts of money that I can't explain, my ssi goes there, I had problems with my tax return and my stimulus on XX/XX/XXXX in XXXX Friday XX/XX/XXXX of XXXX, Monday XXXX XXXX, Tuesday XX/XX/2021, XXXX XXXX and etc. I couldn't do a police report because they had closed the claim The officer name is Officer XXXX and his number is XXXX Then I called them back, they told me that they were opening the claim, and then a few minutes later I got a email saying that the claim was closed, my social security checks and IRS and stimulus is linked to chime. Please help me because nobody would
02/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • WI
  • 539XX
Web
Hi my name is XXXX XXXX i opened a account with chime about 4 weeks or maybe more and prior to opening this account i was working for and older fella that as past away and his son jon was spose to pay me for the work that i did for XXXX and i worked for XXXX for 3 months without pay but a few buck here and there cause we agreed on me getting XXXX that is why i opened up achime account and since i opened up a chime account i was sitting in my hotel room one day bout 2 weeks ago and i got an email that my email that was on my chime account got changed and because of having two strokes in my life i have brain trauma and mental XXXX and memory loss but i called chime right away to talk to them about it and then some time after i had put a hold on my account after talking with chime someone changed all of my info on my chime account and now i have been drealing with chime support for the last 2 to 3 weeks of them telling me that i need to senf in verification details so i did that at least 3 to 4 times sland gave them the email and phone number and a few pic of me holding up a piece of paper with my id for verification and i did that and nothing at all and i had two deposit put into my chime account two weeks ago snd now i cant even get access to none of my money that i worked for it was two jobs that i did for the money that i got deposited into my chime account but chime as done nothing to get my account back so now im out XXXX on one deposit and 60 on the other deposit so i have been struggling ever since i have worked for XXXX and now chime does not want to help me get my money back ormt account bsck from the person who stole my money and account and i dont no what to do cause of my XXXX so if someone could help me out to get my funds back so i can better my life that would be greatly appreciated and because of my brain injury i do not understand thing i read and or are told to me so yhe money that was taken from me was to get my life back on track to get my license back and to get a vehicle so i have to put my life on hold again so i can get this taken care of buu i need that money as soon asXXXX possible and they can put it into my XXXX XXXX account and if they need my account details then the ceo of chime can call me and i want himor her to handle everything on getting my money to my XXXX XXXX account after they call me to get my bank details
09/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 14215
Web
I recently contacted Chime The XXXX XXXX about an unauthorized Transaction in my account. I was visiting a Government XXXX to verify my income with my bank statements and I seen an unauthorized Charge of XXXX. I reach out to chime and the chat ended up getting disconnected due to internet issues. However I requested a dispute again and I was connected to the same dispute Representative named XXXX. They had already file the dispute without my consent of the chat being disconnected and I was not able to answer any questions for this dispute I was going to make. Everything in the document is blank and wrongfully added in the dispute document I did was not able to make and the XXXX name XXXX decided to do the dispute after we got disconnected with wrongfully statements and blank answers to questions I was not able to answer because of the disconnection. Due to the XXXX name XXXX who filed the dispute without my consent and ended up putting on his own words and left every question blank except two caused me to have a denial in the claimed. I requested the documents from Chime The XXXX XXXX via chat and they said within XXXX business days I will get the document so today XXXX XX/XX/2023 I receive the documents and everything on the document provided does not show why I was denied. Also the Dispute Agen name XXXX whom I chat with on XX/XX/2023 did not include anything I try to discuss with them during the XXXX time the chat got disconnected. Chime The XXXX XXXX did not use proper documents to investigate an dispute and wrongfully denied me and they did not include anything I told the Dispute Agent Bane Summer all of my concerns. They also didnt include my statement when I try to tell them the XXXX time that the document Chime The XXXX XXXX XXXX when I told them I contacted the Merchant name Progressive XXXX and they can not give me information due to security purposes because I never owned a car to operate or have an insurance for a vehicle I never in my life owned. Chime The XXXX XXXX automatically denied me after two hours of the Dispute Agent name Summer filed without my consent to file and when I tried to contact Chime The XXXX XXXX to fix this they denied my dispute for this dispute and did not include anything I told them to include before filing it. Chime The XXXX XXXX. Refuse to investigate and refund the money that was stolen out my account.
10/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 92392
Web
On XX/XX/2023 I was issued provisional credit on my account for an unauthorized transaction I filed a dispute for. On XX/XX/2023 I made several transaction moving money in and out of my account. I placed an order for XXXX online to be picked up in two hours, 3 items totalling {$78.00}. Upon looking at my account ofcourse the outgoing money was deducted from my account but still under the pending section of my account. Not even an hour after the transaction was done I received an email as well as phone alert from XXXX saying that two items I had ordered weren't in stock so that left one item only available to be picked up. Which was only {$5.00}. Being since the more important 2 items were canceled I then shortly after decided to cancel the one item as well. Me thinking that my funds would be returned to my account once the payment posted and was no longer in pending state. My assumption that posted transaction meant that all refunds payments were received and The transaction needed nothing more because it was considered completed. However the posted transaction that was pending at {$78.00} had posted as {$5.00} and still no sign of the the money from the other two canceled items on the same order that had been canceled and according to XXXX returned in the same day. Yet once the payment posted. Still nothing in my account. Do do apparent foul play on Chime Banks behalf. I contacted Chime in hopes to resolve the issue only to be asked the same questions repeatedly and directed to several different XXXX to some other department to so called better help me with my case Today I've been sitting all day in hopes for a resolution for someone to get a clue do the math and see that my funds are missing have apparently disappeared to somewhere but what I can sucks you is it sucks that we people have put our trust and faith in such an unprofessional establishment and trust that these people holding such incompetence. That simple adding and see that my money is missing and make the needed corrections instead I waited days to get some automated response not even in relation to what I'm taking about. I want my money plus some for the hard time and the struggle. Money in compensation for my time spent waisted in attempt to reach out to them in hopes to come to a resolution. But that's gotten me nowhere. Thanks for taking the time to review and my complaint.
06/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10469
Web
XX/XX/XXXX XXXX XXXX XXXX You : {$20.00} XX/XX/XXXX XXXX XXXX XXXX You : {$17.00} XX/XX/XXXX XXXX XXXX XXXX You : {$19.00} XX/XX/XXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$23.00} XX/XX/XXXX XXXX XXXX XXXX You : {$50.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$29.00} XX/XX/XXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$34.00} XX/XX/XXXX XXXX XXXX XXXX You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$29.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$40.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$4.00} XX/XX/XXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$27.00} XX/XX/XXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$23.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$58.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$99.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$95.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$33.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$20.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$110.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$130.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$110.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$560.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$220.00} XXXX XXXX XXXX XXXX You : {$170.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} I filed a dispute for all these transactions and let the representative know that I don't do business with this merchant. I had my debit card deactivated and replaced as well.
02/18/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • PA
  • 19143
Web
On XX/XX/XXXX, I used my Chime app to authorize a {$1000.00} transfer from my personal checking account at another bank into my Chime checking account. This transfer was from an account I had previously linked to Chime and had used to make multiple transfers from my other bank account to Chime, which I use as my primary saving 's account. On XX/XX/XXXX, Chime emailed me to say that due to unusual activity on my account, security measures were in place that would limit my ability to use or transfer my funds. I have received multiple emails from Chime requesting various documents to verify the deposit and my identity. Each time I have submitted additional documents, I have received an email reply that the documents were insufficient and Chime needed different supporting documents to resolve the limits placed on my account. I have requested multiple times to speak with a representative who can explain to me what specific issue has occurred and why the provided documentation has been insufficient. Instead Chime has sent more email communication explaining that they will not resolve the issue until the additional documentation is provided. I have provided Chime with the following documents to try to clear the limits on my account : 1 ) front and back copy of my PA driver 's license and change of address card ; 2 ) recent transaction register from my non-Chime checking account, showing the {$1000.00} transfer to my Chime account authorized on 2/13 ; 3 ) a pay stub from my employer ; 4 ) a selfie of me holding my PA license and a paper with my name and the date ; 5 ) my last available bank statement ; 6 ) a letter outlining the source of the deposited funds and my reason for depositing the funds ; 7 ) a copy of my signed social security card, with all but the last four digits redacted to ensure this information isn't compromised, and because Chime already has my full SS number and has used it to verify my identity on customer service calls. Chime has refused to provide additional information about the initial issue or the reasons the verification I provided has not cleared the security measures from my account. Chime has currently limited my access to the over {$8000.00} in my account to increments of no more than {$100.00} for credit and debit transactions, and has shut down my ability to transfer money in or out of the account at all.
05/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • TX
  • 79907
Web
On XX/XX/XXXX I made a purchase for {$110.00} from XXXX for 4 pairs of legend of XXXX swim trunks. Said company sent 4 pairs of flimsy shorts with no mesh in the XXXX for support of XXXX XXXX I emailed the company and they claimed I ordered board shorts and the ad was taken down, then reposted temporarily with the correction board shorts before taken down again. They asked me to submit a screenshot of the ad, and I told them it was removed. They then asked me to return them in exchange for a 15 % discount on a future order. I declined requsting either my correct order or a full refund. They came back offering a 5 % DISCOUNT. I said absolutely not. They then asked if they could send a partial {$80.00} I said no. XX/XX/XXXX I called chime and filed a dispute. They said I wasn't allowed a provisional credit bc it was above the allowable amount, but I'd have an answer in 90 days. XXXX XXXX XXXXXXXX 20 days later I was not issued any credit. Meanwhile, I'm still arguing with nursecloth, asking for a refund. Bu this time they begin asking for my bank information. I said absolutely not, they had my card information. They said they were getting declined processing the refund allegedly. Chime claimed there was no attempt on nursecloth side to send any money. A 3rd party ( XXXX ) began emailing me for my bank information because they allegedly were having problems issuing a refund. I told them they can XXXX me the refund or other acceptable means but they insisted on my bank information. They also begin telling me that since the dispute is open, it's preventing the refund, I must close the dispute before I get my refund. Obviously if I close the dispute they'll never give the refund bc it'll look like the account was settled Meanwhile XXXX is 90 days and chime denied my claim stating there was no error on XXXX part. They said I needed to file an escalation and they'd send me a letter on why I was denied ( they never do send any letters ). I submit appeal with all correspondence from XXXX, mapiet and myself. 90 days, denied, XXXX filed appeal, allegedly nothing wrong, included email where XXXX admits I'm due a refund and received nothing, 90 days XXXX same cycle. No explanation. By this time, XXXX has shut down the website, they have blocked me, mapiet stopped responding and chime insists I can sue if I want but nothing will come of it.
12/05/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 95825
Web
At approximately XXXX XXXX, on XX/XX/2022 I received a text message ( attached ) fromm my bank ( Chime ) asking me is I made a transaction in the amount of {$270.00}. I responded NO as I was in the middle of my morning commute and had not made any transactions. I proceeded to log into my online banking and found five ( 5 ) transactions form XXXX totaling approximately {$1100.00} ( attached ) .I immediately locked my card. I called XXXX to inquire about these transactions to which they informed me that there is nothing that they can do because I am not a costumer, they stated that they would have no information to look in to. I reported my card stolen. It is important to note that I was in possession of my card ( attached ). I called my bank to ask them what kind of transactions they were and to further inquire about the dispute process, a Chime representative informed be that they were money transfers. I asked them how someone could make these types of transfers without my accounting and routing number, and I requested a new accounting and routing number. The representative ignored my request and instead proceeded to explain at length how someone could make this type of transaction without my card and without having actual access to my account number. Chime 's policy is that at least one transaction has to clear before allowing a dispute, I waited for this to occur and promptly filed a dispute when I was able to. My dispute was filed XX/XX/2022, I had to file two disputes separately ( attached ). On the evening of XX/XX/2022 I received an email from chime regarding one of the two disputed stating that they had concluded their investigation and that no error occurred ( attached ). I immediately called them outraged, they out source their customer service to a foreign country with individuals that read from a script. They basically told me there was nothing they could do, that I could request the documentation used to make their determination and after that I could file a rebuttal if I had new information. I requested to closed my account as I will not continue to bank with a financial institution that refused to protect my money, I transferred out my remaining saving 's balance and closed my account. I filed a police report this morning ( confirmation attached ), as I plan to pursue reclaiming my stolen funds to any extent necessary.
11/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • KY
  • 402XX
Web
XX/XX/2023 i was notified that my ex husband ( who was never on my account ) was trying to change my email so he could rob me ( again ). I immeditately called Chime and told them what was going on. They assured me everything was gon na be ok. it wasnt 10 mins after when i was notified that my email was indeed changed. I once agin called and they told me that they was handleing it. next thing you know {$5000.00} was taken out of my account by him. I disputed it and the IMMEDIATELY declined it. literally like 4 mins after. and right after that i called and they refused to put my email back to the original. How he verified himself to be is beyond me especially since i have to send it ids, pictures of me holding codes and my information atleast 6 times. I sent in screenshots of him telling me what he was doing to them, i sent in poice reports and everything then the proceeded to close my account and the reason was because i didnt follow direct deposit terms and agreements when in all actuality the only direct deposits that ever came to my account was from the Social Security Administration Office and from the IRS so that doesnt even make any sense. They had to close my account because THEY messed up. XX/XX/2023 they closed my account. I had {$1900.00} in my credit builder, {$100.00} in my checkings and {$1500.00} in my savings along with $ XXXX that was being disputed at the time ( which i was approved for ). They sent me 2 checks that apparently was fake and i was arrested because once again they messed up. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because THEY SENT ME 2 FAKE CHECKS!!!!!! I have called XXXX and emailed XXXX times already they keep saying someone will email me and they put it in the notes that the email on the closed account was fake and to send it to my original email buti havent gotten anything from them at all. they owe over {$10000.00} and its not fair that I am being robbed by both parties and i worked hard for my money. I want my money. But to make it even crazier after i told them they were sending it to the wrong email and that i was a XXXX XXXX victim on the run they continued to send my conversations to the fake email and one of those emails incuded my address, which he saw and started threatening XXXX XXXX XXXX XXXX XXXX. I cant even find a new place because they have my money!!!
07/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85750
Web
On XX/XX/XXXX, I sent this message to Chime Support : Hello, I need to speak to management/supervisors/specialists immediately. Please read carefully before responding and forward to the appropriate person : I have {$230.00} worth of unauthorized purchases from XXXX *XXXX, all took place between XXXX XXXX - XXXX XXXX on Saturday, XX/XX/XXXX. My balance was {$150.00}, it is now XXXX because of what was stolen from me. Note that this is the same reason I had to cancel my debit card previously and had others re-ordered in the past few months. There have been several instances recently where I have had to contact Chime because there were unauthorized XXXX XXXX purchases. Simply sending a new debit card in this case is no longer acceptable, I have serious security concerns about my account. __________________________ The unauthorized charges mentioned above happened about 6 weeks after I awaited a new debit card for the same reason : unauthorized XXXX and XXXX XXXX charges. This is the third time I've had to cancel my Chime card and order a new one. Since the message I sent on XX/XX/XXXX, Chime has denied my request and ignored the seriousness of the fraudulent charges. There is a well known scam going around in which people are having unauthorized XXXX and XXXX XXXX charges. There is no record of these purchases on my actual XXXX account, it only happens when I have a physical Chime Debit card. Chime refuses to acknowledge the seriousness of these unauthorized purchases and has not reversed any of the funds that were taken from me. There are a total of 15 unauthorized purchases and Chime refuses to compensate me for the money that was stolen from me. I should have a positive balance of over {$150.00}, but because Chime won't reverse the funds and won't properly investigate or secure my account, I am in the negatives through no fault of my own. I have had to constantly hound and message Chime support for status updates and to provide additional information. I have also had to message them out of my fear and frustration with their cavalier attitude towards my stolen money. They only send copy/paste responses that make me think I'm talking to a robot and not somebody who can assure that my money is safe and secure. Chime 's conduct is unacceptable and should be exposed for what they are. I want my money back immediately.
03/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 78218
Web
As of XX/XX/2023 I received an email from the online banking company Chime stating that my checking account and credit builder account were closed for no reason other than this Were sorry to share the news that we have decided to close your Chime Credit Builder Visa Credit Card Account and Chime Credit Builder Secured Account, effective immediately. Your account was closed for the following reason ( s ) : Account does not comply with internal policies and/or the member agreement. Once your secured account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days to the address we have on file for you. - sincerely, Chime. After receiving this response I immediately called the customer service line to figure out what happened exactly and the representative failed to provide the exact necessary details as to why my account was closed. However, after battling back and forth with the representative I asked for a supervisor who stated the the following quoted text above. Then I instructed to reach out to the Chime support via email. And once again no actual reason for the account closure. I have had my Chime account for about the length of 9 months total and Ive never had an issue with any of my activities. Other than dealing with unauthorized or returned transactions. Chime failed to provide me a notice so that I can arrange for my funds to be handled accordingly rather than having to wait for a check to be mailed out within 30 days to the address on file. This unaware closure has caused a HUGE inconvenience for me because my checking is set up to receive deposits from my upcoming benefit paychecks, income from my social media platforms that Ive earned, income from side gigs, etc. And so without having immediate access to my funds Im unable to make my bill payments on time, cover my financial obligations & other costs. And since bill payments will not be made on time, I am forced to have to endure unfair & uncredited late payment fees. This situation is complete unreasonable, its behind handled unfairly & lastly, it is being forcibly imposed on me without once again a simple heads up. This has effected most under class Americans like myself and I will not stand for it. I would like for this situation to be resolved and to know the exact details as to why it occurred in the first place if possible.
08/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IN
  • 46368
Web
I had done my taxes with a freelancer and noticed I was approved for the additional amount on my taxes on federal was done was told by the irs my state was also been garnished and I never done state so I have to look into that more but had my taxes done seen another freelancer got back to me once I have received the information on my taxes an was told by the 2nd freelancer I was actually owed more then the initial refund which was XXXX $ me noticing u didnt receive my state taxes I assumed he was right and followed in proceeding with him the 2nd freelancer that is and was told to send the money back to him so he can send it to the irs while doing my taxes so he had my login information as far as my account and routing numbers and I didnt give him any permission to take the full exact amount out of my account which he did idk how he was able to do such a thing but he did and come to find out I had been dealing with a pirate/scammer on the internet and seen the unauthorized transactions and failed attempts to cash app but one main successful transfer threw chime to chime to a XXXX XXXX which was a dummy chime account that I was told by a chimes supervisor and I need my money back immediately before I take even further action I gave compelling evidence and was denied on my money 7 times on a fraud disputes with chime while showing screenshot evidence from cash app alerting me saying scam alert and they still allowed him to impersonate me as if I was doing these transactions myself which wasnt me at all showing compelling proof I was denied a 7th time for XXXX $ and over looked on my disputes on money I never got to see or ever use for my own beneficial purposes and wanted to get a hold of you guys before I filed a police report against them an a lawsuit against them for an unauthorized transaction on my tax money refund which I have even had several of text messaging screenshots while they are also holding up my other disputes because I wouldnt leave this one alone two other ones thats which a XXXX clothing company for XXXX $ and one from the freelancer website I used to get services for my taxes for XXXX $ and some change which I have all the information in files as PDFs I can send over to you guys to apply some pressure and making sure I get my money issued back into my account for they are held accountable for this fraudulent act
06/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • OK
  • 748XX
Web
I had a check mail from my account on XX/XX/XXXX and it never made it to the recipient. My account was closed shortly after. The check was sent back to the bank and on XX/XX/XXXX when I got in contact with them to let them know what happened I was informed by XXXX, " a leader in Chime 's escalation department '' who stated that that a check would be expedited in 1-3 business days. I heard notihng form that date and would send an email every few days with a generif response returned. On XX/XX/XXXX XXXX informed that a check was requested on XX/XX/XXXX and that due to CoVid there may be a slight delay. I had made contact again on XX/XX/XXXX and got the response that it was still being processed. Everyday after that I emailed requesting an update and got the same response. on XXXX I sent an email requesting to speak with management about this issue that was going on and the gentleman that responded ( XXXX from the escelations team ) stated "! I truly apologize for the delay in your check, as looking over your case 's details I can indeed see no reason why it should not have been sent yet. All I'd need to send it as soon as I receive your response would be confirmation that your mailing address hasn't changed '' Confirmed with him no change and then we basically started the whole process all over again. XXXX wrote " I looked into your account and was able to confirm since the timeline to get your closure check has been already passed we requested to have a new one to be expedited to the address on file ; it usually takes up to 5 business days for it to arrive once it has been shipped via express, as yours did '' Using the phrase " as your did '' would mean to me that the check had been shipped via express and should arrive in 5 days. However as of today XX/XX/XXXX I am still getting that the check is in processing and has not been mailed yet. While i understand first hand the severity of the CoVid 19 virus, that is not the culprit here. The check was originally mailed to the individual on XX/XX/XXXX with no issue at all, and there should be no issue with it being sent back out to me, other than I am no longer a customer with them so they have nothing to lose by taking their time. I need the {$4500.00} that was supposed to be here 2 months ago, and I need it now. I do not have any more time to wait or I am going to lose my vehicle.
03/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NY
  • 12601
Web
I had an account with Chime via XXXX last year that I was told was closed on XX/XX/XXXX without ANY notice, email, call, mail, nothing! During that timeframe I had several claims of fraudulent use of my card earlier in XXXX that were investigated with most charges being found to be " erroneous '' and thus any provisional credits were finalized. However, in the midst of this investigation my account was closed and I was unable to use my debit card nor even sign into my account to access information. I received emails from XXXX through XXXX stating that I had refunds sent to my account for substantial amounts : XX/XX/XXXX = {$540.00} refund from " XXXX '' XX/XX/XXXX = {$210.00} refund from XXXX XX/XX/XXXX = {$320.00} refund from XXXX ( Order number XXXX ) XX/XX/XXXX = {$54.00} refund from XXXX XXXX ( Order ID : XXXX ) ALL of these were received by the bank and I was not notified. I had no means to receive my money that was supposed to be in my account and I have no received a reply to my questions about my account in MONTHS. I have always gotten " Our specialist team is working on your request '' emails but in the months since I last received a response from the support email at Chime I have heard absolutely nothing and have no means to reach a person on the phone to discuss this matter. They tried making me jump through hoops to prove I am who I am by asking me to send in pictures of my driver 's license, utility bill, and social security number all of which I am not comfortable sharing over the email system. I should be able to speak with a representative who can resolve this matter in a matter of hours not MONTHS so I can have my money back! This is a total of {$1100.00} that I am being robbed of by Chime. They closed my account without warning and are still taking refunds that I am entitled to without giving me access to see and work within my account. If the account is truly closed as they said it was on XX/XX/XXXX ( my login access was shut down then I assume ), but then ALL of those transactions should not have been refunded and the original merchants should have received those funds back from which I could work with each of them on alternative forms of refundable payments not dealing with Chime, but the bank has seemingly kept all of my monies and I demand a full refund of all those fees immediately. -XXXX XXXXXXXX
08/12/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • CA
  • 95823
Web
I deposited money into my account last week on XX/XX/2021 for which I have a receipt for the amount of {$380.00}. I also had an additional amount already within my account for the amount of {$28.00}, for a total amount of {$400.00}. I transferred ALL of my funds to my savings account from my checking account within the hour, that same day to protect it from being drawn from before I pay off my bills. Before I can pay off my bills, on XX/XX/2021 I received a text message from Chime stating that my phone number has been changed on my account and to call the customer support number listed. I called said number only to find out v that because someone changed my phone number, I was unable to even reach a customer service representative!!! Can you believe it?!! So I had my husband, whom also had a chime account of his own, call the customer service center in order to speak to a customer service representative about my issue and possible account hack. After the longest phone call imaginable, I'm assured that they will TEMPORARILY freeze my account for me in order to pretect my funds until they are able to update both my phone number and email on my account so that I may access my funds within my savings account. However, even after they updated both my email and phone number, I could not access my account. I was told to email support at XXXX which I proceeded to do. A day went by and I heard nothing so I called customer service and they told me that they had up to 48 hours to respond to my request regarding an email back. So I waited yet another day. I did not, of course, receive a response. I sent ANOTHER email and yet another two days went by, with zero response. I called customer service once again, only to hear the same baloney, that they could do nothing for me and that ONLY the customer support through email could assist me. I explained that its been days, much past the time window quoted by two different service reps and asked to speak to a higher up. Their response is always that there is " no one else to speak to presently due to staff shortage '' and I can't imagine that that is true. If they mess up, I'm sure that someone has to take responsibility just like any other workplace ... So here we are, today is XX/XX/2021 and still I can not access my funds due to poor support from Chime. Please help me to get my funds back.
04/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • MN
  • 55369
Web
On XX/XX/2023 I received a Welcome email from Chime, an online banking service, congratulating me on opening a new Checking account with their institution. Within minutes I received another email from Chime advising a credit card would be sent to me once I make a {$200.00} deposit into the checking account. I immediately called Chime to report the opening of both the checking account and credit card application as fraud. I advised Chime that my identity had been stolen and there is a freeze and fraud alert on my SNN through all major credit reporting agencies. Chime stated they would immediately close the accounts, which they did. However when I asked how the fraudster was able to open accounts with their bank without proper Consumer Identification Due Diligence policies being followed according to BSA/AML laws , XXXX ( the representative I spoke to at Chime ) was not able to provide me an answer. When I sent in my FTC identity theft report to Chime, requesting a copy of the application submit as well as an explanation on how this fraudster was able to open an account without being properly identified, the member services rep only provided the application. Again they did not answer my question. Upon reviewing the information submitted on the application I noticed while the fraudster used my correct address on the application, they used my maiden name ( which I havent used in almost 11 years ) and they used a telephone number that is NOT in geographical area of my address nor is it listed on any of my credit report. All phone numbers on my credit report are local. Ive worked in the financial industry for over 20 years. Therefore I know this shouldve been a red flag for Chime! Additionally, this fraudster has tried to open accounts at other banks such as XXXX, XXXX, XXXX XXXX, etc and in each instance the application was flagged due to inconsistent information provided, the account was not opened, and I received letters from each bank indicating my credit was frozen and I needed to call to be identified before the accounts could be opened. Chime has set the standard that anyone can go their website and open fraudulent accounts with being probably identified. I believe This company should be looked at future to ensure they are doing enough to prevent consumer fraud and money laundering according to XXXX and BSA regulations.
12/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • AL
  • 36301
Web
Around XXXX XXXX tonight I noticed a transaction on my chime Checking account for " {$150.00} money transfer to XXXX XXXX using the pay anyone feature ''. The transaction was done at XXXX XXXX on XX/XX/2023. I did not make or authorize this transaction. 1. At XXXX XXXX the same day I was at tmobile shopping for an upgrade on my phone. I paid my phone bill while I was there usimg my Chime card. That transaction was at XXXX for {$110.00}. 2. The XXXX store was very crowded. I had placed my phone on the glass display case for some time while I browsed over the new phones. 3. I came home around XXXX XXXX and did not use my card again. The last transaction was at XXXX XXXX..the XXXX phone bill. 4. I started to pay my bills around XXXX when I noticed the unauthorized transaction to XXXX XXXX . 5. I immediately locked my account. Then I called Chime to attempt to resolve this issue. 6. I was routed through 4 different operators whom all spoke very broken XXXX. 7. I asked if they could lock the unauthorized recievers account. Since the transaction was through Chimes " pay anyome '' peer to peer payment option, Chime has the advantage of having the account information of the person who received the unauthorized payment. They said they could not do that. So I asked them to send a notification to that account. They said they couldn't do that. I asked if they could alert the fraud department that there is a Chime account that is receiving stolen money. They said that wasn't possible. They did assure me that " they understand how I feel '' 5. Chime created a dispute bit told me that since it was a peer to peer payment, I shouldn't expect my money to be refunded to me.. '' Have a XXXX XXXXXXXX and XXXX XXXX XXXX 'XXXX 6. My account clearly shows that I have never used Pay Anyone. I asked if Chime could remove that feature or disable it from my account and they said they couldn't do that. 7. I was able to submit a money request from the person who received the unauthorized transaction. I requested {$150.00} dollars from XXXX XXXX and was able to send a message with the request. The message was to repay my money and I notified him that I was reporting the transaction. 8. I will be following up with a police report. 9. There are no XXXX XXXX on my XXXX or my XXXX XXXX so I have no associations with a person with that name.
07/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • AZ
  • 85383
Web
In XX/XX/XXXX I made an account with Chime bank. I was transferred {$1900.00} into this account and didnt touch it until XX/XX/XXXX. In XXXX, I did what I thought was link my XXXX bank account with my Chime bank account. The only way to link them is to go to my XXXX app, which unlocks to my personal account only using XXXX XXXX, meaning I only could have linked my personal XXXX account. After doing this, I transferred the {$1900.00} from my Chime account to what I thought was my Chase account and didnt think about it again because I was saving the money. On XX/XX/XXXX I realized the funds never transferred and I contacted Chime member services immediately. I was told that the {$1900.00} was transferred into a XXXX account that was not mine. I was given the account and routing number for the XXXX account that the {$1900.00} was transferred into and was told to contact XXXX. I was told that since the funds were already transferred and cleared, there was nothing that Chime could do for me. I called XXXX right away and was told by a XXXX member that the account and routing number that the funds were transferred into does not match any account and/or routing number of theirs. I was told I need to get back in contact with Chime because XXXX obviously could not do anything for me. I called Chime back right away and was finally able to file a dispute over the phone. The dispute was denied within XXXX hours, saying no error occurred. I called Chime and was told by a chime member that my situation would be getting escalated because it was of high importance and that I would be hearing back from them ASAP. After not hearing back for at least a week, I called Chime again and was told my situation was not escalated and that I need to file a rebuttal. I filed the rebuttal and was told Chime has 45 days to get back to me. I have attached 2 images, one showing the last 4 digits of my personal XXXX XXXXhecking and savings accounts, and the other one showing the last 4 digits of the account that the {$1900.00} was transferred into. They clearly do not match, and the account that the funds were transferred into say XXXX next to them, even though its not actually a XXXX account. There is very obviously some kind of fraudulent activity going on within Chime and I would love to finally get to the bottom of it and have my money returned to me.
11/07/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60626
Web
I have been trying to withdraw my money from my Chime account in order to complete a major financial transaction after contacting support multiple times, they have locked my account and are now refusing to even give me access to withdraw my funds. Through out this porcess I have expressed the temporal urgency to Chime and that I need access to these funds to complete a major financial transaction. Starting the week of XXXX XX/XX/2020, I attempted to move funds from my Chime savings account to my Chime spending account so that I could initiate an ACH to another institution. This failed multiple times with cryptic errors I contacted Chime support via chat and via email on XXXX XX/XX/2020 asking for a resolution. After no response to either chat or email, I called Chime support on XXXX XXXX. The person on the phone was unable to help me transfer the funds, but recommended that I close my savings account so that th efunds could automatically be moved to my spending account. I agreed, and he submitted the request to their escalation department and told me I would receive a response shortly. On XXXX XXXX, I received an email from XXXX on Chime 's escalations team asking me if I did, indeed want to do what the phone support representative suggested. I replied yes within five minutes. I later on XXXX XXXX received two emails from Chime telling me that my account has been placed on hold. They asked for a number of a documents ( e.g. IDs, utility bills, other bank statements, as well as explanations of vaguely described suspicious acitvities ). I wrote a long explanation and included all of the requested documents and sent that within an hour of receiving the first email. Given the timing of these emails only after I contacted support, one must wonder if this is either a dillatory tactic or retribution. I called support again on XXXX XXXX, and the two agents I spoke to ( one a manager ) looked at the interactions and said that while they agreed I had provided all of the details they needed, there was nothing they could do. There was no way they could contact the department responsible for this other than to write a note on my account. I'm under a tight deadline for this financial transaction and must have access to my funds quickly, yet Chime is refusing to help me or give me access to the funds that I trusted with them.
09/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MN
  • 55411
Web
On XX/XX/2023 I was walking back to work after leaving XXXX XXXX at like XXXX XXXX All of a sudden I get a message alert, saying my prepaid secured credit card account has a balance of - {$210.00}. How? Because I just use my card so I know I only had XXXX XXXX left and I hadnt made any {$210.00} purchase so once I got back to work I called Chime. Literally no one could show me the charge or charges that cause me to go into a - {$210.00} balance. And after hours and hours of being on hold, they blamed it on the merchant, that I use most. XXXX XXXX. Saying they had my credit card info and force charge me. Which is a lie because XXXX isnt the kind of merchant that allows you to old him money. When you make a purchase from them you have to have the money right then in there they charge you right then and there. That Sunday late XXXX. I got a deposit in my account enough to cover - {$210.00} balance. All of a sudden once the balance is brought above XXXX charges popped up on my statement from XXXX at XXXX XXXX on XX/XX/2023. How is that possible? My balance was already- {$210.00} so that wouldve made me a little - {$420.00}. Not only that all five of the charges were processed at XXXX XXXX which is impossible. Because XXXX XXXX doesnt keep my information I have to type my information in for every transaction. So each transaction takes a couple minutes. Its impossible to do five transactions all at the same time. So I contact XXXX and ask them if they have any record of me making any purchases at XXXX on XX/XX/2023 and they said no they have no record of these purchases. Chime has fabricated some charges to cover up the money they wrongfully stole from my account. There is no record of these charges ever happening from the merchant or for me. And chime still wont give me my money back. I asked for them to send me all the evidence they used for their investigation and all they sent me was a copy of my bank statement from Chime showing the fraudulent charges thats Chime themselves made. Nothing from the merchant. Nothing else to prove the charges were ever made or even exists. My statement doesnt even show me as ever having a negative balance anymore. Ive sent them proof from the merchant that they never charged my account at that time and that they dont force charge payments and they still refuse to give me my money back..
10/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 93706
Web
On XX/XX/, at XXXX XXXX, I received a notification from Chime that there was a pending charge for {$2200.00} via my debit card at XXXX XXXX store # XXXX in XXXX, WA, and the money was removed from my account. I am in XXXX, California, not Washington, and my debit card was still in my wallet. I have never been to a XXXX XXXX in my life. I called the store, who told me to call my bank and file a police report. I called Chime to file a dispute under their Visa liability policy and they said since the transaction was still pending, there was nothing they could do until it either expired or settled. I filed a police report with the XXXX Police Department. I called XXXX XXXX back, and I gave Loss Prevention the case number from the police. I also called Chime to give them the case number. Once being transferred to a supervisor, she said they could not take a case number until the transaction was no longer pending. The next morning, my Chime app said the {$2200.00} was still in the pending phase, meaning my bank could do nothing. So I called XXXX XXXX customer service to see if there was anything they could do. They created their own case number for me and they were able to look at the receipt and see that it was three XXXX XXXX money orders that were purchased. I called the store location and let them know this, to which they were able to tell me the purchase numbers for the money order. I called XXXX XXXX and told them about the fraudulent money orders and they put in a request for a stop on the money orders, as well as created a case number. The transaction was still in pending, but I called my bank back and Chime told me the amount was now settled, despite it saying pending in my app, which meant I could follow through with the dispute. I was transferred to dispute who then transferred me to Members Services who then told me they could not dispute this claim, despite Chime having the Visa liability policy, and I would need to request a refund from the merchant. I asked why and they could not give me a clear explanation. I asked for a supervisor, and was put on hold and then hung up on. I filed a dispute anyways via my Chime app but at this point and time, my money has not been returned, nor have I been given a credit to cover the missing funds, which is what is promised under the Visa liability policy Chime has in place.
02/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • DE
  • 19803
Web Servicemember
Hi, I received a Chime debit card and fulfillment materials on XX/XX/XXXX via USPS. Chime was immediately contacted same day by email to report an account was opened without my authorization ( email is the only available channel for customer service ). Chime responded on XX/XX/XXXX acknowledging my complaint and stating my account was closed. Further Chimes email stated, Please note that you will not be held responsible for any activity on this account. I received a 1099-INT for {$100.00} from XXXX XXXX XXXX XXXX On XX/XX/XXXX, I contacted XXXX XXXX XXXXk and was informed by the customer service representative my bank account was associated with Chime and that I had to speak with Chime regarding the matter. On the same day, I contacted Chime customer service to resolve why a 1099-INT was sent. My call was escalated to a supervisor ( XXXX ) at my request. My request was for Chime to correct the 1099-INT filing so I have no tax responsibility associated to the 1099-INT filing. Chime is yet to acknowledge my request or provide guidance how this matter can be resolved. There are a number of issues in my experience with Chime. Specifically, Chime filed a 1099-INT via XXXX XXXX XXXX for {$100.00} to an individual who reported a fraudulently opened bank account to Chime. Chime not taking action to prevent 1099-INT from being sent to an individual having a bank account opened fraudulently. Chime acting contrary to statements made to this consumer impacted by a fraudulently opened account. Specifically, filing a 1099-INT for {$100.00} when Chimes communication on XX/XX/XXXX stated, Please note that you will not be held responsible for any activity on this account. Chime holding this consumer financially responsible for activity associated with a fraudulently opened bank account. Chime not informing this individual in a timely manner ( i.e., immediately ) of a bank account being opened in their name. Chime relying on debit card fulfillment materials as notice to an individual of a newly established bank account. Chime allowing a debit card transaction without the account holder receiving the cardholder agreement in advance of the initial transaction. Chime not having telephone access fraud service representatives. Instead, Chime relies on email customer service which ultimately slows down the remediation process. .
08/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CO
  • 812XX
Web Older American
On XX/XX/2021 I received and email notice that my Chime Visa debit card was on the way '' however, I have never requested a Visa Debit card from Chime. Earlier this year, I was sent another unsolicited card from another company, so I was aware that my identity has been stolen and is being used for this kind of activity. Months ago, I asked all three credit bureaus to put a freeze and fraud alert on my credit report. I contacted Chime 's customer service by phone and email soon after receiving their " on the way '' email, and I requested that the account be closed immediately. In response to their instructions, I sent the last four digits of my SSN and a picture of my photo ID. Apparently, the form in which I sent my photo ID was not what they accepted, but they never clarified what they DID accept ( no faxes, scans, or photos ... so, only in person? ). We were traveling for much of the next two weeks and did not get a chance to follow up with the company. When I attempted contact them by email yesterday to find out the status of the closure ( and I resent the last four of my SSN and an image of my photo ID ) they simply replied that if I wanted to open a Chime account, I could not open two accounts at once. What? I have emailed them again, asking them please cancel this account immediately and then provide me with written evidence that have not and will not report the account to any credit reporting agency. I asked them to please confirm that they have received my private information, and to let me know what you exactly what they do to keep sensitive information secure ( which has clearly already been compromised by some earlier security breach somewhere else ), and then verify that they have closed this fraudulent account. I heard back from them within minutes. They said they had " blocked '' the account, but that if I " would like to formally close the account '' I would need to contact them yet again? I believe they are desperate to keep every account they possibly can because they will soon go public and want their numbers to look big. Meanwhile, they have simply refused to honor the request I've made at least five times. Why don't these companies require such picture ID requirement to open these accounts? Why is it so easy to open them ( fraudulently ) and so difficult to close them ( legitimately )?
09/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • XXXXX
Web
I am a mother of XXXX boys and a widow these past few days has been so upsetting due to the fact that Chime has suspended my account and will not give me my funds I have sent over 200 emails with all of my personal information and they keep requesting the same thing over and over I have been reading up on Chime and I see theres an open investigation with them because theres others complaining how there accounts are being suspended and they never get there money I have saved documentation on everything that was requested all the emails and call logs it really broke me down yesterday when I had to withdraw from my class because I cant make payment for my class and pay for my books I stated that and I heard agents in the back laughing while Im crying because my education has come to a hold they keep asking for my XXXX tax return and I keep stating in every email request that I have not done my XXXX Taxes yet that I am just now doing my XXXX Tax refund because my husband passed that year and I was grieving I submitted my XXXX transcript that I received from the IRS that shows and support my money that was deposited into my Chime account last Friday I have spoken to supervisors and they have looked at all of my paperwork and agreed that I have done and submitted everything that was needed and they dont understand why they are doing this they keep requesting my XXXX tax refund information and I keep telling them thats not for XXXX thats for XXXX that I just filed this year my XXXX I submitted my 1040 my transcripts and other documents from the irs I have also submitted my identity as in id card my social security card and they still dont want to give me my money so i called and wanted to get an update and this lady tells me there not going to give me my money that was deposited until I do my XXXX taxes and Im like Ive submitted everything g to hat was needed to show where my money came from for my XXXX tax return that was deposited last Friday please help me its like Chime representatives do not care and actually do take people hard earned money I had to withdraw from XXXX school until Im able to pay for fees and books I have kids y to hat I cant provide for I never thought they would do this I have all my documents emails phone logs and more of what and how they been handling this situation which is not right at all
11/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85132
Web
On XX/XX/XXXX I noticed 4 charges hit my account that I did not make nor authorized. I immediately called Chime and reported the charges as fraudulent. Chime canceled my card and sent me a new card. However sine the charges where still pending I was told they either would not go through as they were alerting the merchants of the fraudulent charges but if the did ho through since I had contacted the same day the charges were made I would be credited for the fraudulent charges. Well on XX/XX/XXXX I still had not been credited as all 4 charges went through, so I called Chime who told me they now had to file a dispute and it would take up to 10 business days to get my money back. Less than 24h later on Saturday XX/XX/XXXX Chime sent me notification my disputes were denied even though they were aware the card was stolen. I reached out to the merchants directly and they all let me know they would investigate but questioned why they did not get notified by Chime of the fraudulent charges or from XXXX. I explained I filed a dispute and they all confirmed they had not received anything until I reached out. So Chime is allowing employees to decide without doing any due diligence in investigating whether or not you get refunded for unauthorized charges. I have spoken to Chime several times and have got nowhere in getting my money back even though they knew immediately the charges were fraudulent. Honestly I am now questioning if somebody in there dispute dept is involved in the theft, since they refused to investigate and denied my dispute less than 24h later on a Saturday a non-business day. I have had my account with Chime sine XXXX so its not a new account and my whole paycheck gets directly deposited into my Chime account since XXXX. Although the {$75.00} in fraudulent charges may be insignificant to Chime, to me and my family {$75.00} meant I am having to skip eating so my kids can eat because I dont have the money to feed us all so that {$75.00} means a lot to me. I just want what right and thats to have my money returned for the charges I did not make but Chime continues to refuse to help, which seems odd to me based on my dealings with other banks who took fraud charges seriously. I believe their in violation of the Electronic Transactions Act Regulations E and request your assistance in getting my money refunded.
10/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27265
Web
I was scammed on XXXX XXXX on XX/XX/XXXX. I was attempting to purchase a washer and dryer and the seller called himself XXXX XXXX and he had a set for a good price. I told him via messenger that id take them and he said if i wanted them the only way he'd hold them for the 2 days till i could pick them up was if i sent a XXXX XXXX deposit to him as a down payment to hold them. So i did as he requested and 2 days later when i went to message him he had closed his account. He said he was engaged to a XXXX XXXX and the cashapp id showed XXXX XXXX which the guy told me was his son. He said they live in XXXX and ive found since then the guy and his so called wife keep making new profiles to sell the same appliance set. Ive reported this to XXXX but they dont care. Nothing unusual there! I went to my bank chime and disputed the charge. Chime denied my dispute within an hour or 2 even though their own written dispute directions clearly says a customer has 24hours to email supporting documents to assist in the decision making. Then after they declined mine so fast that then pushed me into having no chance of seeing my money anytime soon because after a declined dispute and resubmitting it they then have up to 45 days. They waited weeks and then still declined my dispute. This time i asked them to tell me how theyve come to this decision when i sent a ton of supporting documents that clearly showed i was a victim. They sent me a paragraph explanation as to how they decided. The issue is i read the paragraph at least 5 times and it dorsnt relate to my case at all. It talks about the seller being responsible for warranties and services. Well you must have actually gotten a product to need a service call or a warranty.. I then messaged them back and told them i dont see how this is related to my situation so plz explain. They refused to say more all they would say is well if you have new info to add then we will reexamine it but besides that is there anything else i can help you with... I filed a report on the theft with the FTC and in fact it was your website that told me chime should be honoring this dispute as a fraudulent transaction. So i just messaged them a snapshot of exactly what i read on this site which fits my situation to the tee. So i suppose we'll see what kind of XXXX they try to make up next i suppose...
03/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90706
Web Servicemember
XX/XX/XXXX i stayed at the XXXX XXXX location I had to a pay XXXX $ security deposit. I checked out XX/XX/XXXX the funds where released by the hotel. Starting around the XXXX of XXXX I called about my XXXX $ not being in my account I called the hotel they reassured me that it has been released I called Chime they said to talk to the hotel I told them I did that before calling them they said wait 10 business days. I called back the XXXX of XXXX, and was told the same thing. I had to argue with the rep cause I have already been told that, I went on to call chime back on 3 way with the XXXX XXXX. ( XXXX ) Chime employee and Hotel manger talked about issue the hotel manger offered to give the 6 digit release code which was missing the chime employee told us he could not accept that and he had to put in a dispute. I put the dispute in for my XXXX security deposit missing. The dispute was not filled out correctly XXXX dispute number closed ( XXXX ). And now I have to fill out another dispute My thing is how was the dispute filled out incorrectly when I was asked very specific questions and I gave correct and honest answers I was asked how much the charge Im disputing was XXXX The card I used credit And the date of the transaction XX/XX/23 How did yall give me back XXXX but not the XXXX I originally put my dispute in for. and wait another 30-45 days. No one will help me I keep getting passed around to department to department. Even the dispute department told me to call the hotel again and check and seee if they release the money, my dispute not only was it handled improperly it was not handled in a timely matter. No one knows the protocol and I have requested my documents for this dispute and was told I have to wait till its closed I waited and now. Im told now my request has to be sent to a different department and I have to wait 10days. This is to emotionally draining and I have been crying even on the phone with your reps I feel as if Im being bullied by a big corporation and Im never going to get my money back no one knows how to fix my issues and they dont care. I suffer from XXXX and XXXX and to be put in this mindset is not easy for me to shake I work really hard on my mental health and I feel as if chime the company not only is stealing money from their customers but also causing terror in they lives.
01/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • OH
  • 43110
Web Older American
I received an email at my place of employment. The email was sent to my work email account. The email was contained information regarding a welcome packet for an account I did not open or apply for. I reached out to the company via phone and was unable to reach anyone for my first several attempts. I was able to finally get someone in customer service to tell them I did not open the account and to inform them that I wanted the account closed immediately. The person I spoke with informed me that he would have to transfer me to the fraud department. I requested to have a number to call or contact should we get disconnected, and was told I would just need to call the same number back and that he would transfer me directly to the fraud department. I was put on hold for ten minutes. When someone named XXXX answered the call, he asked me for identifying information. He told me that the matter would be referred to the fraud department. I asked if I could speak to someone in the fraud department and was told that they don't have a direct line that he could transfer me to. I also was told that they will investigate the matter and get back to me, but he was unable to tell me how long the process would take or when I would receive a response regarding the account. I requested several times to have the account closed immediately, and he said the fraud department handles it. He kept trying to get me to get off the phone without addressing my concerns. When I asked for his name he provided his first name only. He would not assure me the account would be immediately closed. I expressed concerned, in light of this fraudulent account, it could ruin my credit. He informed me that I wouldn't be responsible for any charges or debt that resulted from the account once Chime Bank had finished the investigation. However, he would not place a block on the account and could not give me a timeframe of when the investigation would be completed. I was told someone would reach out to me via email. I have attached emails and the only information I have received regarding the account. He would not tell me what type of accounts had been opened, whether there were any charges were on the account, and why the account was not immediately block. His only response was that someone would reach out to me when the investigation was completed.
02/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • 41017
Web
On or around XX/XX/XXXX I received my debit card for a newly opened Chime account. I transferred approximately {$450.00} into that account that was to be used for my upcoming tuition payment. On XX/XX/XXXX I used my new debit card for a fuel purchase at XXXX to ensure my new debit card was functioning properly as I planned to use it for the upcoming payment. Immediately after getting fuel, I drove to XXXX, TN for a work event that lasted several days. I returned and went to pay my tuition but received a notice that my account had insufficient funds. Upon logging in, I saw that {$390.00} was spent by someone who stole my debit card and was not authorized by me. I immediately reached out and started a dispute. I called and emailed for updates and to provide additional information if needed multiple times during the following weeks and was always told the same, scripted answer. Nothing needed from me, just wait. On XX/XX/XXXX, I received an email stating they concluded their investigation and would not give me the funds that were stolen back. The reason they listed in writing was that the charges were made in proximity to my fuel purchase and I had recently deposited funds into my account prior to the fraud. I asked to reopen the investigation and sent documentation that I was working in XXXX when the majority of the charges were made and even provided my supervisors number. After submitting the additional information, the entire dispute disappeared from my online banking account. Over 5 emails were sent and never answered. I received an email today, XX/XX/XXXX, stating they made a decision and stood by their initial stance that it was not fraud. I reached out to my supervisor and was told that he was not only never contacted, but when he called to verify I was working in a different state when the charges were made, they told him they didnt need his verification. Its clear they did not actual investigation and are not standing by their terms and conditions. I am planning to file against them in court to recoup my costs, but not being able to pay for my final class resulted in losing a dream job that was contingent upon my graduation. After doing some research, this banking institution has a clear pattern of failing to investigate fraud and frequently causes their customers to be out their hard earned money.
09/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NJ
  • 07302
Web
My account was suspended on XX/XX/2022 due to suspicious activity. My account had {$12000.00}. The suspicious activity being gambling and withdrawing/depositing often from the same apps. This past year and a half I have been sports betting. I went on a very lucky fortunate run to make a good amount of money. The bank has asked me for identification which I provided. After this, they asked for an explanation of the funds that fund my gambling. I deposit and withdraw often from the same apps. I funded my gambling through the previous years of financial aid and work study I received from XXXX in XXXX. I gained near {$8000.00} from financial aid services and work study. I saved this money and used it for sports betting. Chime continues to ask for a source of income from the year 2022 but there is no source of income. I havent worked. My source of income has been sports betting. I used the {$8000.00} to make nearly {$40000.00} within a year. I used the money I saved from XXXX to go on a run of sports betting. I live in New Jersey where sports betting is legal. Ive showed them all the documents from my financial aid to show proof of how much I received. Also I live with my parents so I dont have any bills which is why I was able to save my financial aid and work study from previous years. I feel stuck in what to do next because the company keeps on asking for a source of income which isnt available. The source was my financial aid which they arent accepting as an answer.I worked hard for this and they are taking away my {$12000.00}. Ive showed them my sports betting winnings and account to show proof of how much Ive won this year. The bank closed my account on XX/XX/XXXX after I gave them an explanation of my funds. Chime also continues to ask me about a {$20000.00} withdrawal that I processed to XXXX XXXX XXXX. I opened an XXXX XXXXXXXX XXXX for protection and because XXXX has the best return rates in the country. I provided them with this answer and they keep on asking me the same question regarding why I withdrew {$20000.00}. I dont know what to do at this point. Chime isnt providing me with answers on what to do when Ive answered all their questions the past 3 months. They continue to ask the same questions even after the closure of the account and they have no good reason to keep my hard worked money.
09/08/2023 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened without my consent or knowledge
  • NC
  • 28277
Web
On XX/XX/2023, I received a " Welcome to Chime '' email prompting me to set up the direct deposit feature and another email " You're one step away from XXXX XXXX '' prompting me to finish setting up the XXXX XXXX XXXX XXXX XXXX On XX/XX/2023 I called Chime Customer Service to inform them I did not initiate an account opening. The Service Representative asked me for the last four digits of my SSN, which I was not willing to provide, given the fraudulent activities that had obviously resulted in the account opening. As a consequence of me failing to provide the SSN information, the Service Representative claimed he was unable to help me and instructed me to send an email to XXXX to report the fraud and initiate the account closing process. On XX/XX/2023 I sent an email with my name and email address notifying them that any account ( s ) opened in my name an linked to this email address was done so without my authority and it should be closed with immediate effect. I requested confirmation of the same. On XX/XX/2023 I received a " How'd we do? '' email from Chime requesting a rating of the customer support experience On XX/XX/2023, I received a " Your card is on the way '' email prompting me to confirm my address. On XX/XX/2023, I sent another email to XXXX requesting any account in my name at my address be closed with immediate effect as I did not authorize any such account On XX/XX/2023, I received another " OK, let 's set up direct deposit next '' email On XX/XX/2023, I sent emails to XXXX and XXXX advising them of the unauthorized account opening as well as the continuing emails requesting their help to confirm the account ( s ) have been closed. On XX/XX/2023, I received a " You've got mail '' email advising me that my Chime XXXX XXXX XXXX should be in my mailbox soon and again prompting me to set up direct deposit and to download the Chime app. On XX/XX/2023, I sent another email to XXXX requesting confirmation that the account ( s ) be closed with immediate effect. I restated that the accounts were opened without my authorization and that I have sent several emails requesting confirmation that the accounts would be closed. I also stated that I would be lodging a complaint with the CFPB. As of XX/XX/2023, I haven't received any communication from Chime regarding the account closing.
04/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MA
  • 02126
Web
On XX/XX/XXXX, around XXXX XXXX an unauthorized transaction of {$1300.00} was transferred from my savings to checking. then a transfer of {$410.00} was transferred from my checking to credit account along with the {$1300.00}. at XXXX XXXX a total of {$1700.00} was withdrawn from my account without my consent or knowledge. A couple of weeks before my bank posted on XXXX that if someone comments under the post using the provided hashtag, they will be entered in a raffle to win money. On XX/XX/XXXX, I received a direct message from an account that I thought was chime bank ( but ended up to be a replica and scam ). I clocked on the link that was provided through a tab and it brought me to a page that looks exactly like the the Chime bank log in. I entered in the requested information believing that I was logging into my Chime account. It asked me for my email, password and last four digits of my social. Later that day, someone went into my account and withdrew the money. I called my bank instantly as soon as I got the notification that they did. I called them on XX/XX/2022 to report this transaction. the people gained access and changed all my information and logged me out of my account. I was unable to log back in due to them changing the information on me. I spoke to many members from guest services and I also spoke to a Supervisor who told me on the phone told me the transaction was flagged and it was a pending transaction ( on XX/XX/XXXX ). Three days later after they said that the transaction went through. 5 days later, when I am finally transferred and able to speak to a person from the dispute department they tell me the transaction went through. They filed my dispute 5 days after the transaction occurred. I Called the bank every day until they made the decision on the account and they are stating that the Transaction was not an error. I was told my transaction was flagged to being told by the dispute department that the transaction was not an error when I called the day it happened and told them I was logged out of my account by someone else and they took my funds. On the bank statement it can show where my last transaction occurred and where the person took my money out. This bank is not secured at all! they should not be aloud to activate as a bank because they do not have security at all!
07/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 761XX
Web
I am a beneficiary of a bank account from my my mothers estate account. I was trying to add a debit card to transfer money to my brother because I have the debit card. He put the account in his name because he lives in New Jersey and I live in Texas I wasnt there when he open the account so he just sent me the debit card so I would have access and he doesnt have a card.. I wasnt able to transfer the funds without adding, the bank account number and routing number and it needed to be in my name. I called the bank to get this information because it says suspicious activity when I was adding the card and wouldnt let me transfer the funds so I called to verify everything they told me I needed to have my name on the account to add the card and account information so I deleted the card and that was that nothing was transferred I later found out a week later that they locked my account and closed it due to this and asked me to send a verification of any transfers going into my account. I sent my cash app information and my Square account information showing that its my account and my last three months of transactions, I couldnt provide information on that card that I was trying to add because it wasnt my account but later I eventually sent papers because they were still saying they did. I didnt send all my information to add on. There was only email that I can explain any information to them so it was very hard to explain the situation if I couldnt speak to anyone either way, I finally ended up sending information showing that account information on the account and if information showing that Im beneficiary, although my name is not on that account, my name is beneficiary of the estate along with my brother nothing was suspicious again they kept saying that I transferred money that I didnt prove from an account that I have no idea of because only account money was transferred from was my own and I proved that and those transfers By me, not being able to speak to anyone, I never got this issue resolved, and I never found out what information they were seeking because I could not speak to anyone directly .. all of my bills are not paid for this month including my car on my credit cards insurance, etc. everything is locked in that account and they closed it and said that Im not able to get my money back.
11/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30013
Web
Dear CFPB, I initially submitted a complaint on XX/XX/XXXX ( complaint ID # XXXX ). It is apparent to me that Chime did not read my original complaint nor did the CFPB read my original complaint. First, Chime indicated that my checking account was opened on XX/XX/XXXX. But that date is not correct. I submitted documentation that my account was opened as early as XX/XX/XXXX. Second, Chime indicated that my funds were transferred to the XXXX XXXX XXXX Unclaimed Property Division for safekeeping. But that is not true, I checked with the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX Georgia do not have my funds. I believe that Chime is deliberately lying and stalling to keep my funds. My initial complaint is below and I would like for the CFPB to intervene again to help me get my money back from Chime as soon as possible. I opened a checking account with Chime in XX/XX/XXXX. I used this checking account without any problems or issues for about 3 years and 4 months. My checking account was forcibly closed by Chime on XX/XX/XXXX. I received the following email message from Chime on XX/XX/XXXX : " your account is not in compliance with its internal policies and the member agreement executed at enrollment The account was closed on XX/XX/XXXX. If there is any account balance due to you, a check will be mailed to the address on file within 30 days '' I do not know which Chime " internal policies '' I did not comply with, but my primary concern is they promised to send the balance of the funds in my checking account to me, " within 30 days '', so that I could deposit my money into another bank. My checking account balance as of XX/XX/XXXX is {$11000.00}. I should have received my funds no later than XX/XX/XXXX. But despite my repeated requests, and sending over a dozen emails to Chime, and making countless phone calls to their customer service, I still have not received my money from Chime. I need the help of the CFPB to get Chime to send me my {$11000.00} as soon as possible. As of today, they have illegally held my money for 345 days since XX/XX/XXXX. Please see the attached emails that I have been sending to Chime, and the replies I have received from Chime since XX/XX/XXXX. As you can see, they are deliberately stalling and procrastinating, and coming up with excuses not to send my money to me.
08/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • LA
  • 70592
Web
Chime allowed several unauthorized transactions to take place from my checking account in one day. On XX/XX/XXXX A friend sent me XXXX for rent like he normally does each month and on the XXXX the money was sent to a person that showed up as a XXXX XXXX someone I do not know nor did I authorize rhe transaction and while explaining to the repesentitive what had taken place another unauthorize transaction took place while on the phone with them. First I had XXXX in the account before the XXXX rent deposit then it showed XXXX entering and leaving my account at the same time. I learned that my friend who sent the rent payment haf received a phone call from somebody stating they were a chime supervisor verifying a request I made for the funds he had already sent the day before. I dont know how they are able to remove funds from all these accounts without the account holder 's petmission but they are and how Ironic, no one ever get there funds back in the account. I was left with XXXX XXXX in my account without any explanation. They ate telling me it will take until XX/XX/XXXX to investigate however I believe they are trying to get rid of the proof they are a crupt business. This is so horrible that nothing is done about this company. I explained I didn't know the people or the phone numbers that showed on my phone and I was unable to denied the transferred transactions. The unknown numbers were XXXX and XXXX. Something is very wrong with the operations of this CHIME BUSINESS and they need to be investigated ASAP. I'm on a fixed income and there is no way othis gods green earth would I leave myself XXXX XXXX when I get paid once a month. Whoever is behind these schemes knew exactly what I had in my account. What a horrible experience. Who else can we seek help from with catching these crooks. Times are extremely to hard for people to be blatantly taken advantage of. Really you mean to tell me Nobody was awarded their funds back. This is unacceptable and should not be allowed. Help us all Please! Read the reviews about these people. I simply want my money back and no further dealings with these people. They are closing people accounts after a dispute is filed and no one ever get their hard earned money back. They will have to answer to God about Stealing!!!! He sit high but he is definitely sees Low.
07/21/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • OH
  • 44109
Web
I have been a customer with Chime Bank for many years and I am still a current customer. I was offered a special account that they were offering called the XXXX XXXX account. After opening the account and having it for a while, they offered a special promotion offered where customers who perform a set number of transactions on their credit builder card would receive a special edition platinum credit builder card. I participated in the special promotion and incidentally accumulated this high balance. I do recall paying about {$800.00} bucks towards this in the application from my primary checking account that I have maintained with them for many years yet somehow this never happened - the app had a special feature where you could apply a minimum payment amount directly from your checking and I am almost certain I agreed to the amount of somewhere in the ballpark of {$860.00}. Plus, there are a few features of this special credit builder specifically about how the credit building works that were confusing. Nevertheless, somehow the banking application ended up showing that I never applied the payment from my checking account which resulted in the outstanding balance showing on my credit report. Regarding resolving this outstanding balance, Chime has stated that once an account is past due for more than 60 days, it will no longer accept any payment toward the outstanding balance. In my latest attempt to reach someone to resolve this matter, I was informed again that payments are no longer accepted once an account has been charged off. While Chime does offer live person contact, they do not have a collections department to assist customers in my situation. I am currently waiting for a response from them after going exhausting every option with a supervisor I spoke with who advised that the only option available to me was to wait for someone to contact me about resolving the issue. I have tried on multiple occasions over the time period that the account has been outstanding to repay this debt however their company refused to make contact and discuss these matters, yet they damage my credit report and score by continuing to represent that the debt is outstanding and that I am refusing to repay, this is not the case. I am hoping to garner your attention and support in resolving this matter.
02/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33647
Web
On XX/XX/XXXX I received a text message from my bank account Chime that my number had successfully been changed to an unknown number. Right after I received the text message I called Chime customer service and stated that my number was changed and I did not authorize this change. The lady that I spoke to stated they would freeze my account and issue a need card with a new number, however, I would not have access to my funds for approximately 10 days and they ensured me that my funds were safe. The 10 days processed and they were able to give me access back to my account with a new card number. Upon accessing my bank account after the 10 days, my funds were depleted and left me with a negative amount in my checking account. I checked my activity and I saw that approximately an hour after my last authorized transaction on XXXX XXXX there were XXXX transfers from my checking to my savings of all different amounts over XXXX dollars. Also on XX/XX/XXXX there was a transaction made of {$890.00} from XXXX XXXX. I promptly called Chime to dispute these transfers/transactions made and I filed a complaint/dispute with them. They stated they would give me a credit back to my account after 10 days if my claim was approved. 10 days passed again and I received an email stating my claim was denied due to not having proof. I called them after I received the email of my denial and I asked for the merchants information to see if I could reach out to them. I tried to look up the merchants information myself however the only locations I could find were in XXXX and XXXX when I contacted them they gave me a possible number that was related to them. I tried call the number that was provided and it was a XXXX XXXX number and it was no longer in service. I called them back and chime opened up another case providing that information. They stated that this investigation could take approximately 45 days. I received an email today XX/XX/XXXX that my claim was denied once again due to no further proof was provided. I have called them once again and they stated that there was nothing they could do except file another dispute. I have not taken any further action as I feel I am being pulled back and forth and I shouldnt have to wait this long as I have did what they asked me to do and they have not given my funds back.
12/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77023
Web Servicemember
On XX/XX/2020, I opened Dispute ID XXXX with the fraud department in which I disputed three transactions that were unauthorized. These three transactions included a single purchase from XXXX in the amount of XXXX and two transactions at XXXX for {$14.00} and {$360.00}. The unauthorized purchases were made on XX/XX/2020. The last valid 9authorized ) purchase before the disputed transaction was at XXXX for {$6.00} and this also occurred on XX/XX/2020. On XX/XX/2020, Chime closed dispute without justifying why. Also, on this day, I requested additional documentation showing why Dispute ID XXXX was denied. On XX/XX/2020 I received the additional documentation and it stated that : 1. As per Documents we received card was lost. 2. With valid card present transaction from ( XXXX XXXX XXXX XXXX XXXX, XXXX, TXUS transaction id : XXXX ) after the last disputed which isnt part of the dispute while the card reported lost. 3. The approximate travel time from valid card present location ( XXXX XXXX XXXX, XXXX, TX XXXX, XXXX ) to disputed location ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX ) is 22 minutes away from each other. 4. No fraud alert captured by the system. I then contacted Chime by email and phone to submit a rebuttal. In my rebuttal I stated that although the transaction for XXXX XXXX XXXX XXXX XXXX posted on XX/XX/2020, I physically used the card to make the {$6.00} purchase the day before and I believe I lost it soon after, probably while I was at XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020, I get an email stating that my claim for Dispute ID XXXX was denied once again for the following reason ( s ) : Base on the dispute form provided, disputed XXXX was lost/stolen. Upon investigation, a valid card present transaction happened after the disputed transaction. We determine that the disputed transaction is within your vicinity. No fraud alert/indication captured by the system. No declined transaction/s after the last disputed transaction. I insist that the purchase at XXXX XXXX XXXX XXXX XXXX was made on XX/XX/2020 and not on XX/XX/2020 as my credit account has it listed. NO VALID TRANSACTIONS happened after the disputed transactions and my claim was not handled properly. I believe that my claim, Dispute ID XXXX, should have been approved and refunded to my account in question.
12/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OK
  • 73162
Web
i filed a complaint with chime bank immediately when i was notified that {$77.00} DOLLARS WAS SENT OUT OF MY ACCOUNT WITHOUT MY CONSENT I called customer support and was told nothing can be done because the transaction has been completed.After the rep clearly took my statement and was aware that my card details had been compromised did not even offer to close my account and issue a new cardi had to put the rep on hold while i transferred whatever money was left in my acct to another acct so the rest of my funds would not be funneled out there was clearly fraud done on my card with a old customer of mine that did have my card number from a transaction months prior however this person had no authorization to send themself money the way they did in the past it wa a charge to their business this was clearly money sent to this persons acct with my card details i asked to send me the investigation details how they came up with no error accord they said that the decision is permeate. and cant be reversed they have failed to notify meow they came about these results they have not provided me with ip address of device used to send money nor have they even looked at the other persons acct to see if what im saying is correct they are very incosiderate this is 2nd time this happened to me first time i letit go i was travelling but right when a charge came up i called chime andwas told nothing can be done charge is pending now nothing can be done charge posted so how is my money protected they carry the visa logo that clearly states in their slogan not responsible for unauthorized charges [ please hereis the letter i get over and overAccount Number Ending In : XXXX Claim ID : XXXX Dispute Type : Pay Friends - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$77.00} Hello XXXX XXXX, 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. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. Sincerely, Chime XXXX XXXXXXXX
05/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • MN
  • 55109
Web
On XX/XX/XXXX I got an email from chime saying Chimes issuing bank, XXXX XXXX XXXX Member FDIC, has identified unusual activity relating to your bank account ( s ). A hold has been placed on your account until you are able to verify this activity with The XXXXXXXX XXXX Please see below for further details and instructions on how to request a reversal of this hold. What Happened Our partner, XXXX XXXXXXXX XXXX, has identified some unusual activity regarding the amount and/or origin of certain funds which have been deposited to your Chime bank accounts. So I called chime and they told me the problem was the XXXX dollars that my boyfriend tryed to transfer me from his edd XXXX XXXX XXXXXXXX card needed to be verified that we needed a notary saying he authorized the XXXX to be transferred to my chime account and they needed his social security card and all my info as well I sent over everything and they keep on sending the same message requesting the same stuff over and over again and I kept calling and they kept on saying they got the documents and then I would get an email from Chime saying they need the same documents again and finally on XX/XX/XXXX I called and talked to a supervisor and Told him to close my account and send me my remaining money that is in the account all my work checks, my taxes and my stimulus check was in the account so he closed and every since then o couldn't talk to anyone about my account and I have been emailing them about my account and they just send over an automated message saying they will get intouch with me in 24 hours well it never happened. I was XXXX and I seen chime had a page so I wrote on a status and one of chime Members wrote me and then email me and I sent over the documents again and no reply back and it's like they don't wan na give me my money back and I went as far as having my sister who has chime calling on three to talk to a representative and they said there is nothing they can do and all I can is email chime support and they Will Get back to me 24/48 hours and they have not that's what I been doing. I also sent a message to chime from my sister email address and they replied back immediately but not from my email address. All I want is my money from chime that's it and that's all and to see if they need anymore documents from me
07/24/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33313
Web
Chime Bank Cuts All contact and freezes millions of peoples cards and accounts Chime Bank Cuts All contact and freezes millions of peoples cards and accounts. After doing some research being denied going to buy food and just checking my bank balance a couple minutes before, I do a simple check again and see a small notice that says chime had " intermittent issues ''. No further detail was given. I did a small search on XXXX and after no email or text or any notification, see a XXXX from chime. Were currently experiencing intermittent issues with our mobile app and website. Card purchases and ATM withdrawals are also affected. Our teams are working as quickly as possible to bring everything back online. For status updates, visit * link provided*. Looking through the comments I see that millions of others are experiencing the same issue for hours. No email no notice. People are finding themselves stuck at gas stations having police called on them, having cops called on them at restaurants, missing their sons funeral because of not being able to buy a bus ticket, being embarrassed, ridiculed, and worse. Chime blocked all of their contacts. No phones, no in app chat, no live chat. It was as if they tried to disappear and we had no access to our money. Chime then proceeded to block persons complaining on XXXX hide comments about complaints and ignore us continuously for hours. After 4 hours we still received no email, no phone call or text, no update in communication to tell us what we can expect or do. They still have their communication shut off and gave us no warning or anything as we go throughout our days with no idea of what's happening. Millions having been affected in the worse ways possible. Chime has done nothing to apologize even in the original XXXX that led us to even know something was wrong. I feel violated as I just got the bank and already feel that I can not trust them with my business. I and hundreds of others that expressed themselves on XXXX expressed their disgust and anger and intense situations online with the company with no action to console or help anyone with their situation. Utter embarrassment and despair. How can I and many others take action for the damages caused by chimes questionable and harmful business decisions and actions in this situation?
07/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IN
  • 46217
Web Older American
On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX I received an email from Chime saying : " Critical account notification from Chime. You are receiving this notification because our fraud department detected unusual money activity on your Chime account. Log in to your Chime account using the button below to Accept or Cancel this transaction. '' I clicked on the button and entered my username and password when prompted. I then received an email from Chime saying that there was a new login to my Chime Account at XXXX XXXX XXXX. At XXXX XXXX XXXX I received an email from Chime saying " You just sent {$1100.00} to XXXX. '' The notification said this person was located in XXXX, Arizona. I am in an entirely different state. I did not authorize this transaction. I immediately called Chime to report this fraudulent transaction. While I was on the phone with Chime I received 2 emails from Chime at XXXXXXXX XXXX XXXX saying that my money had been claimed by XXXX. Chime told me on the phone that they would open an investigation and that I needed to change my password on my account. A friend was helping me with this. I gave the Chime customer support people permission to speak with her over the phone. We tried to change the password but the person who did the fraudulent activity had already changed the password. We called Chime back for help changing the password. At XXXX XXXX XXXX we received an email from Chime saying a dispute had been filed. While we were on the phone with Chime about changing the password, we received an email at XXXXXXXX XXXX saying that they had already closed the dispute and had not found an error. We immediately asked Chime why they had closed the investigation in less than 30 minutes. We were sent from department to department and they told us to send them all the documentation we had regarding the dispute which we did at XXXXXXXX XXXX XXXX. They then sent an email at XXXX XXXX XXXXXXXX saying that a rebuttal had been opened. However, when I called on XX/XX/XXXX to find out what progress had been made, I found that no rebuttal or new investigation had been made and the dispute was still closed. They then told me they would reopen the dispute. Today, XX/XX/XXXX, I received another email saying the dispute had once again been closed and that Chime found no error.
05/31/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 76040
Web
XX/XX/XXXX XXXX XXXX unauthorized transaction {$8.00} XX/XX/XXXX XXXX -XXXX XX/XX/XXXX unauthorized transaction {$66.00} I have been with chime for 2 years. I am so sick of telling this story but I am filing wherever I can because this bank is treating me like my business is worthless. I keep my life savings at this bank and it was fine until last saturday someone stole my debit card and used it at XXXX gas stations in another city. I immediately recieved a notification and called chime. I wanted to stop the pending transaction obviously because I didn't authorize it and I cancelled my card. Chime told me they had to let my payment post before they could issue a credit. I should have seen this as the scam that it was and asked for a supervisor immediately but I was trying to do what I thought I should do. Now here we are on Monday I called I filed a very detailed dispute and they refused to refund the money from these illegal charges even after me reporting them. So basically they aided in the theft of my money I am guessing to protect the merchant instead of helping me as a consumer that banks with them. I have asked them several times in several ways to give me my money back but they wont help me. I am a mother of XXXX boys I go to school and work full time and my rent increased I need that money back I have never reported anything before I am not being dishonest but they don't care. I really think this bank is a scam. I tried to dispute the charges before they posted and it wouldn't let me then I called and asked for a XXXX and they sent me to someone in another country with kids screaming in the background who told me that she couldn't re-open my dispute. Then we I emailed support they basically told me I have to find these random XX/XX/XXXX stores and beg the merchant to return my funds... I feel like this isn't even legal and I feel like im being robbed by my own bank. I went ahead and created another account with XXXX hoping that I can invest in a better institution but I know this situation is some kind of a scam and I am not going to stop reporting what happened to me. I just want my money back for the transactions I didn't initiate. If that had happened I wouldn't even be considering another bank. I just think I have been scammed by this bank. Please help me.
08/24/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • KY
  • 413XX
Web
Basically, I was using Chime online banking account and when I was working they allowed me to borrow some money from the " my paycheck '' option, where you can borrow a certain amount from your paycheck and since I got payed every two weeks this was a handy emergency lending solution. But I was wrongfully fired from my past employer XXXX XXXX XXXX. I was borrowing money for gas to look for a new job plus for food and certain things. When after a few weeks they took the lending part away and I could no longer see XXXX I owed it so I figured they took my last paycheck since I didnt not get one. And still dont know if the company took it or chime took it. Next I recieved unemployment. Since chime would work and XXXX XXXX wouldnt I still used my chime account for my unemployment. I was fired on XX/XX/2023. I recieved my first unemployment check on XX/XX/2023 and realized my back pay wasnt in there. I called the unemployment office and they sent me the correct papars to complete. So Tuesday XX/XX/2023 I spent all evening filling out applications because i desperately needed my back pay to catch up on my bills. Wednesday XX/XX/2023 I recieved my two back pay checks around XXXX pm estimated time and not even a minufe later chime stole my unemployment checks to backpay and settle a debt which I believe is illegal. I thought it was illegal to garnish wages that wasnt a state tax debt, child support or for one other reason that I cant remember off the top of my head at this moment. So basically Chime didnt give me a single warning and took out of {$290.00} they took {$230.00} plus {$11.00} for fees which was the majority of my {$290.00} backpay from unemployment. I think it is wrong to settle debt collection with unemployment and the worse part is I already had another job starting soon on XX/XX/XXXX and was going to use chime but since they didnt wait to take the debt back out of a regular paycheck while also claiming I need to sign up for direct deposit even though I do have my unemployment checks from direct deposited they have screwed me over every way possible. I called them ten times and its always some XXXX person you talk to that doesnt know U.S. Law about unemployment benifits and could care less. They were making fun of me with sarcasm and I am completely done with them.
01/05/2021 No
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 925XX
Web Servicemember
My complaint is with Chime Bank. Today I received a notification from Chime that my account has been frozen due to " suspicious activity ''. The suspicious activity was listed as my direct deposit that I have had setup for the past few months. I am paid by my employer every two weeks ( XXXX XXXX ) by direct deposit and have filled out all the forms to initiate direct deposit. I called Chime and spoke with them about the issue and let them know the money in my account only comes from direct deposit. They insisted that I prove my identity so I emailed a copy of my drivers license and a home utility bill. After several emails back and forth they are still reviewing the transactions on my account as suspicious. Also, about a month ago Chime had a security breach and {$1000.00} was withdrawn from my account through an ATM. I had not lost my card and I don't write down my pin numbers. When this happened, I had received a text message about the withdrawal and I immediately disabled my ATM card through the Chime phone app. I called Chime about 15 minutes after the withdrawal to let them know it was fraudulent. They said I had to wait until the transaction completed before I could file a dispute. I waited about 3 days, the transaction completed, and I filed a complaint. The issue was resolved about a week later and they returned my funds. They said that they would issue a new card and in the meantime I could access my funds by transferring my funds to another institution. I also bank with XXXX XXXX so I initiated a transfer of about {$2000.00} from Chime to XXXX XXXX. After several emails from Chime, they are also considering this " suspicious activity ''. Chime has disabled my account and I am unable to log in through their phone app now. I am unable to log into my account to provide the balance due to the app being disabled. I estimate I had {$4000.00} in my account which is needed to pay my mortgage and support my XXXX children. I have already notified Chime that I will be closing my account. Transactions such as Direct Deposit have auditing and tracking. They should be able to see the deposit are legitimate and certainly come from my employer. They had also recommended that I transfer money to an alternate institution which now they label as " suspicious activity ''.
11/11/2020 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • FL
  • 33510
Web
On XX/XX/20 I was transferring through my XXXX XXXX account {$500.00} from my Chime Bank account into my own XXXX XXXX account. After doing so the money never showed up into my cash app account. I then realized my money didn't go to my own account, but instead went into another person 's account. I immediately canceled the transaction, tried to call cash app ( the number is an automated system that refers to an email ) sent a support message to cash app through their help section of the app. I received an email confirming my cancellation request. I sent a help ticket to Chime requesting a stop on the transfer. Chime said they couldn't do anything until the transaction was no longer pending. I sent 2 more messages with no response to cash app. Finally, after the transaction posted and the transfer was complete XXXX XXXX emailed me saying they know it's not the response I hoped for, but since the transaction is now complete they couldn't help me. Nevermind that the money was transferred unauthorized to a stranger 's account, nevermind I contacted them immediately, and I canceled the transaction. I requested a telephone number to speak with a person, and all they've done is email me saying they can't/wo n't help me. I filed a formal dispute through Chime and am still waiting to hear from a manager. Chime originally told me no they wouldn't help me because it wasn't completely unauthorized and that I'd have to go to cash app, but then I asked about being covered under the EFTA because I noticed the ERROR and contacted both Chime and Cash App immediately and tried everything in my power to correct it, they sent me a form to fill out. Under Regulation E the EFTA States that '' if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an XXXXFT that should have been included. '' I'm getting no help on resolving this issue. My {$500.00} is in someone else 's account, and cash app is neither reversing the transaction to my chime account or to my cash app account. Please help me. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX
03/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 78666
Web
On dates, XX/XX/XXXX, and XXXX XXXX I made purchases of {$860.00} and {$1200.00}, respectively on XXXX XXXX XXXX I was given an estimate of about a month for the order to be completed and on XX/XX/XXXX, I made my first contact with the merchant to inquiry about the order. The merchant failed to respond. I then reached out again on XX/XX/XXXX, again the merchant failed to respond. Again I reached out on XX/XX/XXXX, this time the merchant responded but failed to provide an update on the order. Finally, on XX/XX/XXXX, I requested a refund from the merchant, which was approved. After two weeks on XX/XX/XXXX, I reached out to the merchant again due to issues with receiving my refund, we then agreed to escalate the issue to my bank. After that correspondence on XX/XX/XXXX, I have been dealing with my bank. On XX/XX/XXXX, I filed a dispute with Chime support for a failed refund. I spoke to an agent on the phone and explicitly stated that I received permission from my seller to accept a refund and that I had not received any goods/services. The dispute was filed and I waited until XX/XX/XXXX when I received an update that my claim was declined. I called my bank and spoke to an agent and they told me that they found in the investigation, evidence of the transaction and receipt of the goods. After hearing this, I got off the phone with them and called the original merchant, and he promised he did not do anything of the sort. I reached out to Chime for the documents they found in their investigation and was shocked to find they found no additional information, and their resolution was reached completely unfairly. On XX/XX/XXXX, I filed a complaint with XXXX XXXX XXXX against Chime, citing the wrongful handling of my dispute. I attached screenshots of my correspondences with the seller dating back to XX/XX/XXXX, but again they claimed the case was handled correctly but I could formally reopen my dispute. On XX/XX/XXXX, I moved again to reopen my dispute with Chime, but they quickly declined again on XX/XX/XXXX. Although I had additional evidence in my dispute, Chime again had no further evidence and rejected my claim with zero basis. I reached out again for the documents they used in their second investigation, but still to this day XX/XX/XXXX, they have failed to return my email.
10/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 92345
Web
On XX/XX/22 XXXX I emailed chimes Customer support and explain to them that Iam a new father I just had XXXX XXXX and I just came home from being in XXXX. I wasnt trying to give some sob story just the truth.. so I asked how can I access my account without the original email and or cell phone number I signed up with.and so when I get a response back on XX/XX/22 @ approximately XX/XX/22 a little after XXXX there employee XXXX stated. Thank you for reaching out to Chime Member Services. For security purposes, if you are a Chime member please contact us again from the email address associated with your Chime Account or in the chat feature of your Chime app. If you are a Chime member and can not access the account email, please verify your identity with a picture of your valid government-issued ID and the last 4 digits of your Social Security number. Please also provide a clear photo of yourself ( selfie ) holding both your ID and a piece of paper with your name and today 's date written on it for verification purposes. I'll be happy to further assist you in updating your account email address and phone number after. Thanks, So I did as I was told and responded back with a picture of my id a piece of paper stating Iam me and the date and time and so Im waiting and now its a different employee emailing me buy the name of XXXX and on XX/XX/22 at XXXX had stated Thank you for reaching out to Chime Member Services. Rest assured that I am here to provide you with the best assistance! Please let me know if there's anything else I can help with. Thanks, XXXX | Chime Member Services A while goes buy and then I get a email from another employeeemployee buy the name of XXXX and on XX/XX/22 he states he told me they determined my account is being closed because it doesnt match with something and when I continued to try to talk to him as to why whats cause is justified to close my account and he just kept saying read the terms and I said I have and yr stating why my account being closed just not even responding at this point to non of my emails that account still had XXXX bucks So I simply as if they would at least send me my money in a check but I havent received any response and so I asked to get there supervisor to call me and no response nothing I really need my money.
05/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • SC
  • 29745
Web
On XX/XX/2022 there was a payment made to a account I did not recognize of {$440.00} to XXXX XXXX XXXX which was supposed to go to XXXX XXXX XXXX instead. I am not sure how the payment was made because to my knowledge I was set up on a promise to pay. When I realize the payment was made to the incorrect bank I contacted the bank and made them aware to cancel the pending payment. However, they stated that I had to wait until the transaction was settled than to report the issue. Once, the transaction settled on XX/XX/XXXX I reported the issue. I spoke to multiple repsetnatives that could not give me a direct answer on the reason why the claim was denied. I submitted screenshot from my bank XXXX XXXX stating that they never received a payment. I also called the merchant on 3 way and they stated that it was applied to the wrong account and I would have to go to my bank to refund the amount. When the claim was denied to they provided me with an explanation that there was a {$100.00} transfer from my savings to my checking around the time the payment was taken, which has nothing to with the transaction that was made to the wrong account. I have never dealt with a bank that can no explain the resolution. Please see the explanation that was provided : We reviewed your claim and determined that there was no error that occurred based on the following supporting information. XXXX it has multiple funding event an example occurred on XXXX XXXX amounting for {$100.00} minutes prior and the said funding event is anticipated to the disputed transaction. No suspicious deny code related to the specific disputed transaction. No PII changes and no sign of XXXX during the disputed XXXX timeline. No fraud alert indication during the disputed XXXX timeline The transfers were made to prepare for the promise to pay for XXXX XXXX NOT XXXX XXXX. But what does that have to do with the transaction itself. I don't understand the outcome. Chime is not making me feel like my money is safe with them when it comes down to a error made on a account. There is no one to speak to directly in reference to the issue for an explanation. If there was proper investigation was done then there would have been some contact with the merchant and there was none according to the documentation they provided.
05/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IL
  • 601XX
Web
Monday XX/XX/XXXX I got a chime notification saying XXXX was spent at XXXX in South Carolina but I was at work in XXXX XXXX IL so I tried to dispute the tranaction but I couldnt I then got a text saying chime alert asking did I make the transaction reply yes or no so I replied no I then got a call from what I thought was a chime worker saying someone had my account added to XXXX XXXX and that I needed to change my password and they would send me a new card later I said okay I was working at the time so they said they would call me back later well on my way to get my children from day in XXXX IL I got a call from what I still thought was a chime worker tehy sent me a one time password and said dont share it with anyone so I said ok they also said they were trying to obtain the IP address on who used ny card earlier at XXXX and to not login into my account until the next day because its could corrupt them trying to obtain the IP address I said okay so the next day I went to check my account and they took everything from me XXXX moved from my savings to my checking account and then sent it to someone names XXXX XXXX XXXX never sent money This person so I called chime I asked them to dispute it I needed my money back they said they would investigate later that same day they closed my saying they wouldnt refund me no error occurred so I called again and again they reopened the case for rebuttal I sent in my police report my location at the time the login from XXXX Florida and the number that text me saying chime alert they said if I sent Im all that evidence I would have my money back but they closed my second claim AGAIN saying they wont refund me and well this is highly unfair I have been calling them since last Tuesday XX/XX/XXXX begging for my money back atleast of it I have XXXX daughter Im a single mom my daughter turns XXXX this Friday and I have no money to do anything because someone completely wiped my account out. They are FDIC insured so the fact they wont refund me is ridiculous Im here to make an complaint against chime because they lied about refunding me and Ive sent in ALOT OF EVIDENCE that this was not me! I am a victim of fraud Ive reported this to the federal trade commission as well can someone please please help me get my money back this is insane
09/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • XXXXX
Web
On XX/XX/2022 starting at XXXX XXXX CST XXXX transactions processed on my Chime debit card account ( Chime Financial Bancorp ) that were not authorized. I immediately got Chime fraud department on the phone to report the charges. While I was on the phone with Chime XXXX more transactions processed before they would even block the account. All XXXX transactions were United States companies as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX total XXXX. I was told by Chime fraud supervisor XXXX that I couldn't file a dispute until the transactions cleared, which happened on the morning of of XX/XX/2022. At XXXX XXXX I called Chime and filed the disputes for each transaction and obtained a case # XXXX. Starting on the evening of the XXXX and finishing up on the morning of the XXXX, I have spoke with local police ( and provided visual proof of possession of the card ) and filed a police report, Filed an FTC Identity Theft report ( report numbers available if needed ), and called and spoke with all of the companies who received funds and completed any tasks they request I complete. I obtained documents and phone discussions and phone numbers and contact persons ( and verified with each company that I had no acct with them ) and uploaded all documentation to XXXX along with photo i.d . social security card and an image of the Chime card. No surprise that Chime has already DENIED that any ERROR took place. ( This was not reported as an error it was reported as theft and fraud ). I received the denial email at XXXXXXXX XXXX on the XXXX. I immediately called back to Chime Fraud ( and resent ALL documentation via email to them ) and requested a Rebuttal and that they verify receipt of the emails I sent. Receipt was confirmed on the call and supposedly the case is reopened. I can't verify that as the status in the Chime app still shows closed, but my call was documented. I am in utter disbelief at the process this " bank '' utilizes to handle reporting unauthorized transaction reporting. And I am shocked that they have denied the investigation request. I will most likely have to call again to verify that the case was reopened and any investigator has reviewed this request. I will need help obviously as this isn't being taken seriously.
10/06/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33324
Web Servicemember
the bank i use is chime the accounts i had where checking/savings and a secured credit card which i was using to build my credit the majority of charges were made with the credit card totaling XXXX and a few XXXX on the checking debit card i had {$6000.00} in my account on XX/XX/2023 i was robbed. my cellphone and wallet was stolen and XXXX XXXX XXXX XXXX XXXX XXXX where i have hospital records showing i was XXXX XXXX XXXX at the time of these charges. also i have a police report for the robbery. when my girlfriend picked me up from the hospital i used her phone to quickly turn off the cards but over {$3000.00} was already stolen. when i tried disputing the charges i was immediately denied. i didn't have the supporting documents at that time. so i got the detective working on the case to provide me his badge number and the case number and i provided that to chime as well as the hospital records showing that i was admitted during the time of the illegal transactions. that money i was saving up to move and i was supposed to move a couple weeks later on XX/XX/XXXX but now i cant and am being evicted so i am about to be homeless i don't know what i am supposed to do i have a police report of the theft and hospital records showing XXXX XXXX XXXX during the time of these charges which were done at major retailers like XXXX and XXXX XXXX where i know there are cameras to show i didn't make these charges. i didn't give anyone my pin this was a credit card that just has to be swiped. so im a victim of criminal fraud with supporting documentation and im still being denied please please please someone help me i am literally going to be homeless in a couple weeks because i cant pay my rent and i was already at the end of my lease at my current apartment and was going to pay first last and security at my new place XX/XX/XXXX so i am being evicted and i am going to be homeless please tell me why i am not FDIC insured against this type of clearcut fraud i did nothing wrong here i am a victim and i thought banks were supposed to help you in these circumstances the case number from XXXX XXXX police department investigating the case is : XXXX the detectives name is XXXX XXXX and his number is XXXX please help me my name is XXXX XXXX XXXX XXXX chime bank account number XXXX
11/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IL
  • 62959
Web
Yes I had An account with stride bank aka chime for roughly about a year give or take. I noticed an unauthorized transaction one day and I reported it promptly and followed the steps. Even though it was unauthorized they denied my claim and followed by insufficient evidence that didn't prove it was or wasent unauthorized. Then I noticed another small one here and there and tried in vain to notify chime and tell them my info he had to be compromised because there was more and more money that would just vanish out of my account. I received a deposit in XXXX for roughly XXXX from social security. Within XXXX days my balance was at XXXX and there just wasent any warning no call from bank, they shut my account down. I realized in horror there is XXXX plus gone from my account. The same transaction s had been coming out for months. Almost duplicate. I was in another town and money was taken XXXX miles away. I later discovered there is a second card you can use. A credit builder and there is a virtual card in the app. All the dispute s, all my money stolen and not one representative mentioned this too me cause obviously I could not figure out how it was bring done. Then all these transfers using pay friend app which I told them yes I authorize maybe XXXX the whole time which if you look at my statement clearly the culprit is in black and white and was still denied my dispute because my so called friend lived within XXXX miles even though XXXX ip addresses accessed my app there was no proof of unauthorized or fraudulent activity. I feel my bank failed me by not protecting my account and listening to me as a consumer. I have asked them to basically audit my checking and get to the bottom of this and dispute which transaction I know for sure I didn't do which as you will see it's very confusing.. O have even turned them in to the attorney general cause I feel they are doing nothing .I haven't heard anything on my disputed and I strongly believe chime the company itself has something to do with my missing funds just do to the fact that they denied almost every dispute but yet there was proof I didn't do it. If I'm FDIC insured who got that money. I believe chime is keeping it and denying consumer dispute. If not why haven't they done anything about my family 's funds?????
02/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OR
  • 97214
Web
I emailed Chime Support asking for the ability to do remote deposits on XXXX They responded by email on the XXXX with freezing my count and telling me I had 3 days to respond with a long list of things to verify my account. I followed up with all that and then some as instructed by replying to their email on the XXXX. I never heard back if they received it or if i attached everything requested. Because they made threats of making a decision within 3 days if I didnt include it, I followed up with another phone call. Was told they didnt get items that were attached in that first email. I responded again with the items a 2nd time. Spoke to a manager who said that department was a separate department with no way of them contacting them. Was told we would hear back in 24 hrs. Received an email shortly after saying there was a new timeline, outside of the 1-3 days of the first email. Each time I call in, I verify my name, address, SSN, transactions, my phone number gets verified, I verify my email address as well. They should be able to easily to verify me multiple times and ways but they are not following their own timelines when its convenient for them. They tell me one thing and timeline but never stick to it and no one makes any effort to communicate, just locks me out of my funds. They then hide behind that the investigations team is only able to be reached by email and not by phone, that there was no way of us communicating with anyone from that department to try to further resolve and verify it. When we asked to speak to a manager, we would just get rerouted to another customer service agent and not an actual manager with any different authority. I asked who their department was that handled CFPB complaints and is set to resolve issues of their is a complaint. Was given more run around. Changing time lines, asking for the same documents multiple times, saying no one can be reached to resolve anything, itd a mess and they are stealing my money. Just requested they close it out and cut a check to the address on file and they still his behind the investigations team that no one can talk to is the only people and thats when they then quoted the 45 days and ref e. So they just site rev e and are compliant when its convenient for them
11/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Trouble getting information about the card
  • PA
  • 152XX
Web
On XX/XX/XXXX my Chime account was suspended without any notice. Called to see why they closed my account and all they could tell me was they needed documents to verify my address change. Never really used this card but its been active since XXXX for the purposes of taxes and child tax credit. After finally fixing XXXX and XXXX taxes to be direct deposited. They close account with no explanation. Sent all documents by fax as requested XX/XX/XXXX with no response after. Only direction given was to wait 30 days. Filed a complaint with XXXX. Called again XX/XX/XXXX and at this time was sent a formal email on why they suspended the account. Stating they suspended account due to to many transfers via XXXX XXXX totaling over XXXX dollars between XX/XX/XXXX and XX/XX/XXXX and they needed a explanation. I sent documents of proof of identity and explanation of all money spent. Which was no were near the amount they have provided. XXXX XXXX history to confirm that. Again sending the documents to both emails provided one of which was given in email Chime sent. XX/XX/XXXX got email from Chime that they received all documents sent and they would be under review by XXXX XXXX XXXX within two days maybe longer if extra documents needed. Called again XX/XX/XXXX for update from Chime to still be told just got to wait with no time frame to be provided. They confirmed all documents had been received as well. Called XXXX XXXX who refuses to speak on the account. Dont understand why all money is frozen. No resolution after sending documents three times. Filed a complaint with XXXX still no resolution just to escalate complaint. Chime says The XXXX XXXX needs to review and needs documents but The XXXX will not discuss or take any credit for suspended card account. Stuck in the middle even with legitimate explanation and documents. Please help. Running out of options. Majority of funds on account are XXXX and XXXX taxes. Child tax credit payments for my child. This has been explained multiple times. XX/XX/XXXX had a reasonable move and during time in question most transactions were made to furnish my familys new home. Feeling very helpless and taking advantage of. Added documents but kept out attachments of documents they requested for privacy purposes. XXXX XXXX
09/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CT
  • 063XX
Web
On XX/XX/XXXX at approximately XXXX XXXX ET, I received a transaction notification on my phone from Chime regarding a transaction for {$1300.00} from XXXX XXXX of XXXX, TX. I did not authorize this transaction, so I immediately opened the Chime banking app and XXXX transactions on my Chime card while I attempted to contact customer service. At XXXX XXXX ET, I received a " transaction declined '' alert for a second transaction, for the same amount, from Chime. I immediately contacted Chime customer service via phone, where I spoke to XXXX, to whom I explained that the transactions were fraudulent and that I wished to file a dispute. XXXX directed my call to their Disputes team, where I spoke to a male with an odd manner of speaking, whose name I didn't catch. He explained that, because the transaction was pending, that I would be unable to dispute the charge until the transaction either dropped off my account, or settled. He started the process of issuing me a new debit card, and instructed me to watch my account for the next few days, and file a dispute if/when the transaction settled. On Saturday, XX/XX/XXXX, I saw that the transaction had been settled, so I proceeded with filing a dispute. On Sunday, XX/XX/XXXX, I received an email from Chime, informing me that my dispute had been closed and they determined that no error had occurred, and my account would not be credited for the amount in question ( {$1300.00} ). I contacted Chime customer service once again on XX/XX/XXXX, explaining that yes, in fact, an error HAS occurred, because not only have I never done business with XXXX, I also do not live in TX, my card has not left my possession, and I live thousands of miles from TX ( in CT ), so I clearly have not authorized this transaction and that I expect them to do a proper investigation and return the stolen money to my account immediately. Chime customer service responded that my message would be forwarded to their Disputes team, however, my dispute is still showing as closed on the Chime app, and I am still out {$1300.00}. I have also begun the process of removing my money from Chime, as I no longer feel that I can trust them with my money because they've allowed someone to commit fraud and steal my money right out of my account.
06/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • UNITED STATES MINOR OUTLYING ISLANDS
  • 12303
Web
On XX/XX/2022 my checking account and identity were compromised. A transfer from my savings to my checking account among several unauthorized fraudulent charges were made on my Chime bank account. The total amount of the fraudulent charges came to {$1800.00}. My account information including phone number, pin number and password were changed without my knowledge or permission. On XX/XX/XXXX the next morning when I started receiving emails that my balance was low, I called Chime to resolve the issue, and found I did not have access to my account. The customer service representative would not allow me access to my account without proving the last five transactions, which I could not provide for lack of access to my account. On XX/XX/XXXX, I was able to call again and finally received instructions over the phone that if I wanted to regain access I needed to prove my identity through picture ID. I did so, was able to reset my password and found the fraudulent charges and my bank account drained. I then called Chime again with this information disputing the charges on my account, providing the service representative on the phone with each fraudulent transaction. Chime filed the dispute. On XX/XX/XXXX and XX/XX/XXXX I received two separate emails from Chime about the dispute. They claimed that there was no error found and the amount recorded for the dispute came out to only {$1300.00}. It also was missing a disputed transaction. I made a rebuttal email asking to re-open the claim as the charges were made in Colorado, and I live in XXXX NY. I was able to obtain proof from my manager at work showing that I was at work in XXXX on XX/XX/XXXX when the charges were made. On XX/XX/XXXX, I received a response from Chime stating that there was still no error. The amount of the claim was still incorrect. I requested the document used to investigate the outcome of the claim. In that document they stated their reasons for denying the claim. The reasons stated were either false, did not address the document I provided about my location, and were not evidential. I have filed a police report ( case # XXXX ) with the XXXX XXXX XXXX XXXXocal police department. I am still awaiting the official report. I have attached all corresponding documents to this complaint.
06/28/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 75056
Web
On XX/XX/XXXX, I received a notification from Chime regarding a purchase from XXXX XXXX XXXX XXXXXXXX for {$170.00}. I did not authorize this purchase and the card being used was in my possession. I immediately reported the card as stolen. Chime would not allow me to report this transaction as fraudulent on XX/XX/XXXX since the charge had not settled. I then contacted XXXX XXXXXXXX XXXX XXXXXXXX to have them locate this fraudulent order so that it could be reversed. The CSR from XXXX XXXXXXXX XXXX XXXXXXXX attempted to locate the charge with my information such as my name, email address, phone number and the last 4 of the credit card. He was not able to locate anything and stated he would have someone from another team investigate and contact me with XXXX hours. On XX/XX/XXXX, the charge posted to the Chime account. I immediately initiated a dispute. I was emailed the dispute form to fill out on XX/XX/XXXX. I immediately filled out this form and received an unacceptable response of having a temporary credit added within 10 business days while they conduct their investigation. I then called Chimes support number and was told that they received the form and it was filled out correctly. I inquired as to why I did not receive a credit immediately since this charge was fraudulent. She stated an investigation would need to occur. On XX/XX/XXXX, I reached out to XXXX XXXX ( Director of Customer Service ) for XXXX XXXX XXXX XXXX explaining the situation and asking for assistance in rectifying this issue. I received a response back from XXXX XXXX on behalf of XXXX XXXX. She stated that she couldnt assist with this matter and I would need to reach out to Chime. I then advised her that I already reached out to Chime but in order to facilitate a quicker process, it would need to be located and refunded from their side. She refused again and repeated the same language. On XX/XX/XXXX, I received an email from XXXX XXXXXXXX XXXX XXXXXXXX stating that they were unable to locate the charge with my identifying information and to contact Chime since it would appear my debit card had been compromised. On XX/XX/XXXX, Chime emailed me stating that the charge would stand and no fraud was found. This is completely contradictory to the actual merchants response.
02/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 91932
Web Servicemember
I bank with Chime. Chime is an online bank and someone was using my chime debit card number to make online purchases ( I DID NOT AUTHORIZED ANY OF THESE TRANSACTIONS ). This person stole {$22000.00} of my money. This person also created a XXXX XXXX account & tried to file my taxes for the 2020 year. They also made account changes to my chime spending account : Added a phone number to my account ( At least twice ), Enabled/Disabled the transactions for my Chime Visa Debit XXXX ( multiple times ), Added and/or removed my debit card number from XXXX XXXX, Added and/or removed my debit card number from XXXX XXXX. My attachments are detailed and list everything that this person or party stole from me. IAW every single POLICY that Chime Bank has they are wrong in denying my Unauthorized transaction claims. Chime is in Breech of their own User Agreement : I did not make any of the Transactions that I dispute. Chime did not even investigate. IAW the Visa Zero policy & with their own user agreement they need to give me my money back. If you read Chime 's reviews on the XXXX you will see they are not treating customers right, and don't investigate claims properly. I have documentation two days after the first fraud purchases was made that I told chime that I believed someone committed fraud. I asked them to cancel my debit card and they did not. I had no access to my account and no way to access it. I needed a cell phone in order to receive an 2-factor Authentication code and I did not have a cell phone. Chime was told this over and over again the only way that I was aware that anything happened was because I received some email notifications : one adding a phone number that wasn't mine, some stating my debit card was declined and some adding or removing my card from XXXX or XXXX XXXX. Chime did nothing to help! These charges was made online I'm not sure of all the places but most were in XXXX and XXXX Chime told me they was going to cancel my debit card and issue a new card number and this was their policy but they did not. I was told this 4 times. I also told chime to cancel my debit card on XXXX XX/XX/2020, they did not! I again asked them on XXXX XX/XX/2020 to cancel my debit card and they did not. Chime failed me like they have failed many others.
06/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NJ
  • 07094
Web
On XXXX Of XX/XX/XXXXi was XXXX XX/XX/XXXXand XX/XX/XXXX by a individual staying at a hotel in XXXX XXXX NJ, with that being said my wallet was stolen and my computer and phone. i had reported to the police and there's a large investigation going on regarding this matter. I was and still am mentally not okay and been trying to recover from this the best way i could.but a couple of days or weeks using my online debit card to make purchases I began seeing charges on my card and I started to report them to Chime which is well was my banking institution. the first charge was at a XXXX XXXX. the charge was for XXXX and then a couple of more for the same prices but only one was clear at the moment. i filed a dispute on that one which is what the bank told me to do and it got approved. and i received my funds back. A couple of days later i filed the rest of the dispute which added up to XXXX all form the same merchant XXXX XXXX. but this time around i was denied for a dispute i filed a week before and was approved for, so i put in the dispute again and again denied. I have submitted a police report, i sent a letter from the merchant themselves saying i am not the one that set the charge. that my card and id was used by someone else. as well i gave hospital records sayin i was in the hospital during the time of the charges recovering from the attack. and still denied i been submitting this rebuttal more than 15 times in the past year and continue to get denied with as much documentations given. all my other financial banks had repaid me for any unauthorized charges but chime does not get it was not me using my card and they are stating i was using my card around the area of the location of the charge, and that's because i lived 4 blocks away form the motel, the motel is known for drug addicts and illegal conduct. which is where they found my attacker after the attack and i was using my account it wasnt with the card but my online wallet on my XXXX account i had no money or cards after my attack so i had to use my ewallet to get money.. i have not use chime since because i can't believe after all that documation given they cont. to deny me. it sickens me because they making me fall like i am lying about my attack my complaint is with CHIME BANK
08/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • CA
  • 90630
Web
I purchased a cell phone on the XXXX by XXXX website for {$94.00} including activation and first months service. I am a new customer and I do not have an existing phone number or account with XXXX. The order seemed to go through but I was given no order number or confirmation email. The money was debited from my account with Chime and it said pending. My phone was due to arrive within 2 days. This would be Friday XX/XX/2023. I waited until Friday and called XXXX and they could not help me without order number. After several attempts I was able to speak with someone in shipping and they said they had tracked down my order by the info I gave them. I was told my phone would ship in the next 48 hours making that a Monday arrival. Monday came and no phone. Accirding to my bank account the transaction was still pending, so obviously my phone was not shipped because it was still pending. To make a long story short I spoke with XXXX, they again couldn't find any order or even my card number in their system and urged me to contact my bank ( Chime ). I contacted bank told them there was no record of the transaction and I wanted my money so I could do the order over. They said there was nothing they could do since the transaction was still pending. They were unwilling to file a dispute and did not credit my account because it was still pending. I needed that phone on Friday at the latest and informed them that they needed to release my money. They blamed XXXX and told me XXXX had to release the funds, and XXXX told me they did not have the funds. So now it's been 7 days, 5 business days and the transaction still says pending and I've lost more money without a reliable working phone. Chime won't even contact XXXX and investigate, which is supposed to be their job. So I've been out XXXX : dollars for a week now and no one at either of those companies gives a XXXX and I'm low income and don't have another XXXX dollars to redo the order. I was supposed to get a response via email and neither company has done so and both are at fault in my opinion..I did nothing wrong. I was trying to order a new phone and service that was reliable and I used my chime card and now my money is in space, limbo,? These two companies have XXXX XXXX, and neither one cares.
09/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • MO
  • 64063
Web
Last month I received a child tax credit check from the IRS and went to Mobile deposit it through the app which I had done with the previous one with no problem, but this one for some reason it kept telling me that it couldn't read it for days I tried and it kept telling me it couldn't read it and finally I got it to accept it and later that day I got a message saying the check couldn't be verified and was not deposited and that I could take it to a third party to cash it such as XXXX. But because for mobile check deposit when you endorse the check you write for deposit to chime only on the back of it XXXX told me they wouldn't take it and chime recommended that I contact the IRS to reissue the check. So I did, but the IRS wouldn't reissue the check they said they would split it up into the remaining checks that would be received. So a month later I got another check and went to mobile deposit it and I wrote very clearly on the back of it for deposit to chime only so that it wouldn't have a problem reading it only to find out that my mobile check deposits had been disabled which I was not notified of. So now I had another check that was endorsed for chime that I couldn't do anything with and I spoke to customer support at chime supervisor after supervisor until the last person told me they were the highest person to speak to and were telling me that they could not turn on my mobile check deposit. That they could evaluate eligibility for mobile check deposit at any time and disable it at their discretion. But this person was telling me that for no reason whatsoever could they turn it back on and this was disabled due to nothing on my part it was chimes system that aired and rejected the check that caused it to be disabled on my account and all I was told over and over and over is that chime reserves the right to determine your eligibility for mobile check deposit at any time but they couldn't turn it back on so due to chimes error I've now had two checks that I can't put in my bank accountand as I said the XXXX at my location absolutely will not do it and so now I have two checks that I have not been able to do anything with except have them canceled by the IRS and wait yet another month to see if they add it to the next one they send
09/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 132XX
Web
My name is XXXX XXXX, Address XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX # XXXX. DOB XX/XX/XXXX I disputed charges for my chime checking account for {$280.00}. Chime denied my dispute same day, Reason : Error. For claim # XXXX I emailed chime XXXX XXXX that I needed to retract the information I told chime XXXX, because at the time when I called disputing charges, tues XX/XX/XXXX, I didnt realized my CREDIT CARDS WERE STOLEN! My chime spending account card WAS stolen. once I retracted my steps Tuesday, XX/XX/XXXX I then realized MY CHIME CHECKING CARD AND CHIME CRED BUILDER WAS STOLEN. I just went on chime app and deactivated credit builder card. Since chime was so eager to deny my dispute ( the same day ) I need to Dispute charges XX/XX/XXXX for {$83.00}. I have a Chime account With A Credit builder account/card and checking account, where there was unauthorized charges starting XXXX XXXX XXXX # XXXX, routing # XXXX. I actually realized on my break Tuesday XX/XX/XXXX and called chime reporting charges for {$280.00}. Chime XXXX started a ticket. I realized when I didnt have my cards in my wallet and honestly couldnt give him a answer to what happened! Later that day I realized my Chime Checking Card WAS STOLEN And My Chime Credit Builder Card along with my other cards. Chime emailed me the SAME DAY XXXX, DENYING MY DISPUTE DUE TO ERROR! I dont have that money that was spent. Now Im in the hole. Now since Chime was so eager to deny dispute I need to Dispute charges from my XXXX XXXX XXXX from XX/XX/XXXX for {$83.00}. It would probably be good idea to re-open my dispute AND ADD THE CHARGES FROM CREDIT BUILDER CARD. I informed chime I need a new ticket for ( Spending/checking acct. ) reopened and both disputes together. Unauthorized charges for {$83.00} & $ XXXX $ XXXXTOTAL Chime offers Visa Zero Liability Policy AND Deposits are FDIC insured up to {$250000.00} through The XXXXXXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX FDIC. And we work hard to protect your information for all members!!!!!! I sent a pic for new charges I need to dispute. I would so appreciate it if you could help me with these charges. Im barely making end meat now. Thank you for your time XXXX XXXX On XX/XX/XXXX, at XXXX PM, Chime Member Services XXXX wrote : XXXX
04/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 16001
Web Older American
I have the Chime card. I was attempting to use it on XX/XX/XXXX and when putting in the cvv code it said wrong code. I checked my card and it was correct so I tried again, same thing three times. I then tried to chat on their app with customer service and it would not open up. I tried several more times with no success. At this point I checked online and saw that many, many people were experiencing the same problems, not able to use their card, being stuck in restaurants or stores without being able to pay. Their app had obviously been hacked. I called their customer service and after hours finally got through to someone who said they were helping but it was a scammer. Chime had recently added a pay anyone option and the person helping ended up being a scammer and through the pay anyone option sent all my money to him except for XXXX cents. I reported it immediately and filed a complaint. They said they would do an investigation and have an answer in ten days. Well they sent their answer less than 24 hours later and said no error occurred and would not give me my {$250.00} back! I called and went through the same thing three times before giving up hope they would help. The customer service people were all people whom English was clearly not their first language and I couldnt understand them nor could they understand me. They kept thinking I had used the pay anyone option and sent this person the money willingly however I never used it even once. The scammer had hacked into Chimes own app as this happened to hundreds upon hundreds people I saw online and had hacked into the pay anyone feature and taken their money and they said the same thing to them, no error occurred. They refuse to budge and obviously did zero investigation into anything as it was always an quick response. Their app was scanned, this is clearly their fault but they are just refusing to give people their money back. I thought they had insurance? This is no way to treat customers. I have plenty of screen shots from that day of people reporting the same thing. I am a XXXX senior citizen living on a tight fixed income and I need that money badly. Can you help? I have exhausted all efforts with Chime. Isnt it illegal to do this? I can add screen shots if needed.
12/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AL
  • 36695
Web Servicemember
So I came home Tuesday XX/XX/XXXX to an alert on my watch that some charges had occurred from a merchant XXXX XXXX live for 9 transactions each for XXXX cents so I knew I had been hacked, so I called chime to cancel the card firsthand in case anybody got ahold of my card numbers and my card has been on me all along, that's when I proceeded to check my account activity for any other charges that may have occurred because this is pretty much my secondary account and I don't always monitor every single transaction that is done on it, but I discovered a transaction from a merchant called XXXX and the charges dated all the way back to XX/XX/XXXX in the total amount of {$22000.00}, so I filed a dispute with chime that morning around XXXXXXXX XXXX, the same exact day it was denied, I couldn't obtain a police report for it because the authorities told me it was a online account and not a physical bank and I would have to contact chime directly, I wrote a detailed later to chime support to see if I could get a rebuttal and they would reopen my case, that was also denied, one of the reasons in the decision letter stated that I have prior history with the merchant XXXX and I don't even have a XXXX account at all. I proceeded to try and get in touch with the merchant XXXX to see if they could give me any information on who could've made these transactions and you can't even speak to anyone on XXXX unless you have an account with them, and this was me calling the XXXX number that's on XXXX which directed me to go to help.XXXX which I basically had to try and communicate to a somewhat live agent bot which I provided pictures of that conversation to chime as well. Then to add insult to injury I got a letter yesterday on XX/XX/XXXX saying that my chime account will be closed on XX/XX/XXXX which makes it seem even more fishy. It is TONS and I mean tons of online complaints about this company and how they don't want to give anybody any of their money back which was stolen and that makes it seem like their whole company is a sham and not operating under any integrity whatsoever. I just need some help and I ask that you please do anything you can to get my funds reimbursed to me because they are not going to do the right thing no matter what.
04/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • IL
  • 62704
Web
XX/XX/XXXX someone hacked my account followed by changing email and phone number. I received emails from Chime Bank at XXXX that my phone number was changed and XXXX XXXX that my email was changed. I immediately called Chime to let them know I didn't change my email or phone number. I have emails that these were changed back to the correct email and phone number at XXXX XXXX while I was on the phone with the representative. XXXX I received an email to set a new password which was done while I was on the phone with the staff member. While on the phone with them, 2 charges went through that were not made by me but instead by the person that hacked my account. These charges were at XXXX for {$2400.00} and XXXX for {$2400.00}, as I was on the phone when these came through I told the person I was on the phone with so we could dispute this. I was on the phone for approximately 45 minutes getting a new card ordered and providing the dispute information. On XX/XX/XXXX I received an email that the dispute was denied, I called within an hour to discuss with a representative. The representative was unable to help so I spoke with a supervisor, the supervisor made me aware that there was no information on the dispute in regards to my account being hacked. I told him the entire story of what happened, he reopened the claim and asked me to submit proof to the email provided. As soon as I got off the phone with him I sent the email with screenshots about the email and phone number being changed as well as the charges that were made without my consent while I was on the phone with the bank employees. Today XX/XX/XXXX, I received an email that the dispute was again denied despite the large amounts of proof that were provided as well as the fact that I have been using Chime for 8 years without issue and it was no fault of my own that my account was hacked as I have never shared my password, my pin, or any of my banking information with anyone but instead that Chime allowed someone to have access to my account and spend over {$4900.00}. I have had no success with emailing or calling to get a resolution of this. The resolution that needs to be done is Chime needs to refund the {$4900.00} that they allowed someone else to access and spend.
01/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • CA
  • 95608
Web
XX/XX/1922, i purchased a item online from a company called XXXX XXXX I paid {$360.00} for this item I've filed over XXXX disputes, rebuttals, and dispute and they keep getting denied a couple minutes after I file them this item was returned back to the merchant because the item i ordered was not what i received the XXXX was damaged XXXX nit as advertised i paod XXXX for things I ordered I shipped this item back to the merchant on XX/XX/1922, the merchant ashinmary hair received this item on XX/XX/1922, they merchant emailed a verbal agreement, saying once they received the item ba k they'd send me my full refund, XXXX that went from you posted a fake review up about us if you removed the trustpilot reviews we promise our ma XXXX will via XXXX or directly to you take the post down the merchant trying to blackmail me and withholding my refund after they already received they item back they also said they'd pay half for the shipping they didn't the chime investigation team is helping this merchant and not the chime customer they are supposed XXXX help me they reasons for denying my credited refund is because error in validating transactions I don't understand i used the chine card I sent then the XXXX transaction i.d . number the receipt all the emails of out conversations, pictures of the wig i have called this chine bank over XXXX times. Each time they denied my dispute I never received a email so I wouldn't even know the dispute was denied I've been doing this for 3 months calling XXXX times a day going in circles XXXX. XXXX has no XXXX no supervisor no ceo no headquarters i read they are not legal to be running a. Business it says XXXX XXXX and stride bank owns chine bank finacial card they won't talk to you either they make it to where there. XXXX to contact t to help you only the intake people the dispute supervisor who's to are only intakes than the dispute investigation team whom your. It allowed to talk to so they can make wrong decisions on your money and you XXXX complaint it's a scam this is like XXXX they do the same thing i need my refund chine bank is supposed to help me the merchant will not give me my return the merchant is in XXXX it's international theyvare both trying to stall til I getvtired and leave
07/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 139XX
Web Older American
I have several problems here with a company called Chime there was a scam or hack on my chime account from other company called XXXX XXXX. which is left me with no money for 7 to 10 days they refused to send me a card after they canceled my card I wanted the card overnight and they said that it would take 7 to 10 days to get my chime card and mean while I'm suffering because I can't use any money that's in my account and the money is quite substantial. cooperative they won't give me in a card overnight and I need this in order to survive I have no funds to survive for over a week. see how this can happen or let or let chime let this happen or cash app with this happen cuz it seemed like it happened overnight I think it was through the through the morning every every 2 minutes either 49 or {$99.00} was taken out of my chime account from cash app I don't even have an active cash app I've complained to cash up about the same problem and giving them the transactions that that I have seen in my my transaction account from chime it seemed it happened from last night to all morning every 2 minutes money was taken out of my account from chime. so if the substantial amount that was taken out {$100.00} says from the something State Fair. I need this card so that I can survive it's the only count I have I'm on a fixed income on social Security I'm retired I need this money in my account so I can eat pay for gas pay for bills I have no other way to do anything except for this chime account. I need this chime card sent to me as soon as possible... right now the date is XX/XX/XXXX so this was to happen started to happen sometime early in the morning like XXXX in the morning I think it was through the night somebody's taking {$50.00} every XXXX minutes out of my time account from cash app I gave cash app the transactions and I've already have given the information to chime and complained I need a card overnighter to me so I can pay my bills and eat and get gas. is an awful way to treat customers how am I supposed to to pay bills when you have no access to your money and chime is not helping me they're saying XXXX to 10 days to get a card and I can't wait XXXX days I'm not going to be able to survive 7 days without no money.
12/28/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • DE
  • 19720
Web
As of XX/XX/XXXX I attempted to log into my mobile app through Chime Bank. It alerted me that the account was closed and to contact XXXX. Which I then called because was very concerned knowing I had well over $ XXXX in my account time of closing. It prompted me that " my account was closed and only can communicate via email '' I then sent an email to the support team numerous times. They then asked me to verify my identity, I then had to show proof of ID and Social Security Card. Which I provided ID, Social Security Card, Birth Certificate, and most recent W-2 from my current job. To potentially expedite and reopen my account. On XX/XX/XXXX at XXXX I received an email stating I have until XX/XX/XXXX to remove all funds from my account. Knowing banks close at XXXX I was not able to get to a bank so I transferred all funds to my other link bank account which is XXXX XXXX XXXX XXXX. The next day I called Chime and they assured me funds takes a few days to process into another account. I waited a total of 5 business days. Called from a landline ( since they blocked my number from accepting live representatives ) The representative XXXX explained that the account was closed on XX/XX/XXXX at XXXX XXXX and they were unable to successfully transfer the funds to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received an email stating they made determination that they will not be issuing a check with remaining amount of funds that was in my account ( they have yet to disclose reason ). On XX/XX/XXXX I called Chime on another landline. The representative gave me confirmation that they would have to wait 10 business days from date that account was closed. He expressed give it 2 days and by XX/XX/XXXX I will be receiving my check with remaining balance on it. On XX/XX/XXXX I called yet again on another landline spoke with a representative briefly and automatically sent me straight to a supervisor. The supervisor then said they have not sent the check out. I explained I need answers since I have not had access to my money since XX/XX/XXXX. He expressed he " submitted an escalated ticket and I should be hearing something within the next few days ''. I've had a lot of patience and I'm at my end, I need help to get my funds back.
10/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30342
Web
I lost my phone at the mall on XX/XX/2022 around around 5 something ish, I had my phone in the fitting room at XXXX since thats the last place I saw it at. My last purchase was from XXXX at XXXX. Anyways as I was checking out, I dont think the lady at the cashier gave me back my debit card since I couldnt find it when I was XXXX talking to the bank. My XXXX XXXX and my XXXX was still connected when I was walking out XXXX when I got a notification from cash app saying you tried to add {$1000.00} but was decline. I pause for a min and said what. So at the moment Im looking in my person and shopping bag for my phone and at that moment I realize I lost my phone. The phone that I lost is a XXXX XXXX XXXX redXXXX I stored all my pins and passwords in my notes because sometimes I forget my log in information. So the person try to add {$1000.00} again and I guess my bank decline it. So they kept trying until my bank was able to let them added money. So they tried for XXXX $ and another XXXX $ and I knew at that moment there was no way to turn off my card because I didnt have a phone to call them. So I immediately rush to the car to charge my phone well my sister phone and made the call to my bank and told and explain to them what happen. They told me to file a police report and I did just that. I showed the officer the person who sent themselves money using my card and they said it was a fraud and not a real person. So chime my bank couldnt do anything until my transaction are not pending anymore. Finally Monday came by I called them up and told them to start the dispute and they told me they did and wait to hear back from the dispute team. The next day I check my phone they close my case because they said I dont have enough evidence to show it wasnt me. When I have a police report and the whole person name and everything who sent money and Im kind of upset because they didnt even look though my case fully just automatic say nothing wrong and close case. A normal bank would say we get back to you with 3-5 days not a day would take. This bank doesnt protect anyones money. Any bank well lock someone card if the money or anything is over the limit. So Im want to file a complaint against this bank and take them to court.
12/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CO
  • XXXXX
Web
On XXXX XXXX XXXX XXXX XXXX, I received a text from Chime asking if I had authorized a {$900.00} charge at XXXX XXXX XXXX. I immediately texted back " NO ''. They replied " Thanks for your response. Your debit card has been restricted and a representative will be in contact with me shortly. On this same day at XXXXXXXX XXXX XXXX, I received a call from Chime Financial XXXX, they asked me to verify my mailing address as they would be sending a new card out to me and since the one I had was compromised. He was a male representative from what I could tell. He also stated that my account had been duplicated so the funds were being moved to the new account. It didn't sound right. So I hung up and called the same number that had called me, and I spoke with another Chime representative who stated that the call must've been fake and someone " tricked '' me. When I went to look at my accounts, both the checking and savings had been drained to {$0.00}. Although the number had originally came from this same number that I had dialed, the representative told me that all he could do was file a dispute on my behalf. I checked my account the next morning, and both savings and checking were at a {$0.00} balance and I had an update stating that my dispute had been declined and that there was nothing further that they could do to assist me unless I provided additional documentation for them. I sent them a copy of the text message that I had received asking about the attempted purchase, the call log that shows that I received an incoming call from Chime initially, I also sent a copy of a filed police report. Once again, my claim was denied within 30 minutes. I called back and asked to speak to a supervisor who told me that once was a dispute was declined that there was nothing else that they could do for me. I am not out of {$1300.00} and Chime Financial is not willing to accept any accountability at all for the charges. The transaction memo also states that I paid someone named XXXX XXXX, whom I have never heard of ... and the reason for the transaction was listed as " Chime Reversal Payment ''. I also attached an email that states that they sent me attachments to show how they made their decision and nothing was attached.
07/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11211
Web
- Phone was stolen at a restaurant in the evening - Before I could deactivate it, culprit was able to change my XXXX XXXX password - Culprit changed my Chime login information so I could not login - In addition to other finance related offenses committed by the culprit ( that have since been resolved ), they sent the following from my Chime checking account to my XXXX XXXX XXXX : {$500.00} {$500.00} {$3400.00} {$500.00} {$4500.00} {$30.00} {$490.00} TOTAL : {$9800.00} These were all done fraudulently without my approval. Since then, I have fruitlessly been in contact with Chime to resolve the matter but to no avail ( see below for timeline ), even including a police report to my claim. XXXX - I filed claim to dispute transactions- I reached out to Chime requesting to cancel all transactions/ inform Chime account has been compromised XXXX - Chime denied first claim for {$520.00} XXXX - Chime acknowledges my email from XXXX that my phone has been compromised XXXX - Chime denied rest of claim of {$9400.00} XXXX - I resubmitted claim. Attached additional documentation to it ( i.e. crime report, etc. ) XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - I resubmitted claim. Also messaged their XXXX XXXX. XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - Chime denied full claim of {$9900.00} ( again ) This timeline is missing calls I've made to them, which were plenty. In addition, they have sent me the documentation they used to make this assessment twice. Neither time did it include the crime report or the documentation I shared with them outlining what happened that night. Personal Statement : On the night of XXXX, someone stole my phone and managed to get access to all my financial information. Since that time, this individual has caused significant damage to me both personally and financially. They have caused > {$20000.00} in tax damages. They have committed > {$20000.00} in fraud, etc. That night I was going out with other travelers. My phone was stolen at a bar. Somehow the individual was able to gain access to my XXXX account. Below I documented all the events. I will update if I find any additional information.
01/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • MN
  • 56301
Web
Hi XXXX, We noticed some suspicious login activity relating to your Chime account. A hold has been placed on your account ( s ) until we can verify this activity. Please see below for further details and instructions on how to submit an appeal to lift this hold. What Happened During routine monitoring of accounts on Chimes platform, we noticed suspicious login activity on your Chime account. What We Did A hold has been placed on your account in order to safeguard your funds. How This Affects You This hold will remain in place until your identity can be verified. Unfortunately, you will be unable to use your Chime XXXX XXXX XXXX or sign in to your account on the Chime website or mobile app during this time. What Is Needed From You To submit an appeal to lift the hold on your account, please provide the following items for verification : A copy of both the front and the back of your primary government-issued photo ID ( such as a Drivers License or State ID card ). A photo of yourself ( selfie ) holding your photo ID and a piece of paper with your name and todays date written on it. Proof of the social security number on file. Confirm the email address that should be on file. XXXX XXXX for Appeal Review of your appeal will typically be completed within XXXX business day of receiving all verification items. Please note : Additional items may be requested after initial review if your documents do not sufficiently verify your identity. The timeline is typically extended by XXXX to XXXX business days for each additional submission. How to Contact Us Please reply directly to this message and attach the requested items. All documents must be sent in XXXX, XXXX, or PDF format ( we do not accept XXXX or other document formats ). If you need clarification on the requested items above, or assistance in submitting your documents in the correct format, please let us know and we will be happy to assist you. Sincerely, The Chime Team What do I do when I haven't gotten a new ID yet? Would my work badge work that has a picture on it? Please let me knpw. don't have a copy of my social security card it is being mailed to me. If you have any questions please let me know. It just keeps going on like this
05/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 90028
Web
Chime : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States. Regarding my Chime Account : # XXXX On XX/XX/2023, I used an ATM that must have had a skimmer device in it. I was a victim of Identity Theft and Grand Theft from my Chime Checking account. After the thieves obtained my debit card PIN number, they went to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and took out increments of {$1000.00} out via XXXX XXXX XXXX {$5200.00} to their XXXX XXXX account name " XXXX '' and sent the money to themselves to phone number XXXX. Then they went to the ATM at the same XXXX XXXX XXXX XXXX XXXX XXXX and took out increments of {$400.00} out of the ATM totaling {$3100.00}. I noticed that my account was getting low and I locked my card and called Chime and reported the unauthorized charges on my account. Chime assured me that the unauthorized charges on my account would be reversed and I would receive provisional credit within 24-48 hours. Later that day XX/XX/2023 I went to the XXXX Police Department and filed a police and reported the unauthorized charges on my account. Chime was well aware of where the unauthorized charges on my account took place. The XXXX Police Department said they would send a police officer out to gather the surveillance video from the graveyard shift and trace the phone number that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Next Chime closed my checking and credit accounts, saying that they needed to be closed for security reasons and that I would get a check mailed out to me in 10 days for the provisional credit. Meanwhile, I call every day to get the status of my dispute and my provisional credit. I am now starting to move into financial hardship due to the fact that Chime will not reverse the unauthorized charges to my account. Now Chime is telling me XXXX ; y 2023 is when I can have my provisional money back. Meanwhile, Chime has closed all access to my accounts through online and the app. The situation has gone from bad to worse. So I called the detective that is working on my case and he told me to report Chime for not returning my money from fraud. I am now out {$8300.00} due to fraud and unauthorized charges on my closed Chime account. Someone help!
03/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • KS
  • 67217
Web
I am the representative payee for my mother and use chime Bank to do money transfers and other such financial transactions to take care of her bills and needs. On XX/XX/XXXX, I went to transfer money to my mother in the amount of {$50.00} and send it to her new phone number at the time which the money never was received by her. Since these types of transactions are typically instant with chime I contacted them immediately in which they told me the funds were transferred to the account number associated with the phone number. The advised me that they did nothing wrong at chime and he would go ahead and enter a dispute for it to research it further but did not expect it to be awarded. It was in fact denied and I called back up to open another claim and this time ask for supervisor in which I believe they just opened another claim and said they'd let their supervisor know. In the meantime I did open a claim with the social Security fraud administration complaint handling and have not gotten an update as of yet on this matter. I still have yet to get a resolution on the funds delivered to the wrong account. What happened is that the number for the individual who used to have the phone number before my mother still has this number setup on their account. Rather than having a verification in place for these situations they allow the automated system to deposit the funds and refuse anyone who isn't aware that they don't force the receiver to verify the number prior to issuing these funds to the account despite there being a risk of potentially not being who the funds are are intended for. I did advise the reps that I spoke with these are social security benefits that are intended for the beneficiary and if they go to the wrong person they really need to reverse that transaction since they advertise that they allow you to transfer to a person 's phone number but don't state that you risk a problem if you're not aware that the person may have an account setup with the same phone number but may possibly go to someone it's not intended for and then though you don't have access to lookup in their system if the phone number is associated with someone else that they refuse to refund the payment in these situations.
10/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33324
Web Servicemember
the bank i use is chime the accounts i had where checking/savings and a secured credit card which i was using to build my credit the majority of charges were made with the credit card totaling XXXX and a few XXXX on the checking debit card i had {$6000.00} in my account on XX/XX/2023 i was robbed. my cellphone and wallet was stolen and i was brought to the hospital where i have hospital records showing i was in the hospital at the time of these charges. also i have a police report for the robbery. when my girlfriend picked me up from the hospital i used her phone to quickly turn off the cards but over {$3000.00} was already stolen. when i tried disputing the charges i was immediately denied. i didn't have the supporting documents at that time. so i got the detective working on the case to provide me his badge number and the case number and i provided that to chime as well as the hospital records showing that i was admitted during the time of the illegal transactions. that money i was saving up to move and i was supposed to move a couple weeks later on XX/XX/XXXX but now i cant and am being evicted so i am about to be homeless i don't know what i am supposed to do i have a police report of the theft and hospital records showing i was admitted during the time of these charges which were done at major retailers like XXXX and XXXX XXXX where i know there are cameras to show i didn't make these charges. i didn't give anyone my pin this was a credit card that just has to be swiped. so im a victim of criminal fraud with supporting documentation and im still being denied please please please someone help me i am literally going to be homeless in a couple weeks because i cant pay my rent and i was already at the end of my lease at my current apartment and was going to pay first last and security at my new place XX/XX/XXXX so i am being evicted and i am going to be homeless please tell me why i am not FDIC insured against this type of clearcut fraud i did nothing wrong here i am a victim and i thought banks were supposed to help you in these circumstances the case number from XXXX XXXX police department investigating the case is : XXXX the detectives name is XXXX XXXX and his number is XXXX please help me
08/18/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • TN
  • 37042
Web
I received a check from one of my retirement account providers on the morning of XX/XX/2021. I used the mobile deposit process to deposit the check and Chime declined to deposit the check stating the following : " We were unable to verify the check submitted. This can happen for a variety of reasons, but typically this is due to the issuer or the remitter not being able to verify the details on the check... " This email makes it clear, in unambiguous language that someone at Chime reached out to the issuer/remitter of the check, i.e., my plan manager, to verify the check details. That, as it turned out, was a bald faced lie. I called my plan manager and specifically asked if someone from Chime had reached out to them to verify the details of the check they issued to me and the answer was a resounding " No! '' He also told me that should I contact Chime, he would be happy to do a three way call to confirm the legitimacy of my check, an option I was not offered by Chime. I called Chime and brought this to the attention of their customer service department and, even though they escalated my complaint to a manager, even though I specifically read the contents of their declination email, and related the conversation to my retirement account manger to the customer service agent, ultimately I was told that they would not give me any information about their decision making process. I asked to know what process they used to determine the legitimacy of a check. I specifically asked why they had not, as stated in the email, reached out to the issuer/remitter or perhaps if they used a service like XXXX, a company with an utterly horrible reputation for placing random, false information on a consumers record, declining to deposit or cash government/financial institution checks. The customer service agent declined to answer that question. At that point, I stated that Chime 's email to me stating their " reasons '' for declining to deposit the check seemed, at minimum to be a lie and at maximum, fraud. How these decisions are reached should be completely transparent between financial institutions and their customers. That this is occurring when so many people are in financial dire straits is unforgivable.
04/20/2023 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • NC
  • 28208
Web
I called on XXXX XXXX and I explained to chime member services that something was wrong with my car I asked the lady what how to fix it she told me oh well I'm going to go ahead and I'm going to cancel it I have videos of me begging her saying ma'am I do not want my card canceled she canceled it anyway they sent me a card today and my money was direct deposited I asked them more than one time about my money they told me that oh it will be closed the account will be closed on the XXXX because after they cancel my cards I told him I said well I don't like the way I've been treated or how I've been talked to XXXX the supervisor yelled at me XXXX the supervisor hung up on me and I keep calling and I'm not getting any clear answers so today my money came and I had direct deposit when the direct deposit hit canceled it at XXXX XXXX today they closed my accounts they told me that it was sent back to the account holder and they don't know where it was or or who deposited that I have an email showing proof of the name so I asked him exactly how much was in the account and why was it sent back I asked him that this is not okay because you guys told me the XXXX and with everything that is going on and how many recordings and videos of that I've had of nasty customer service represents and things being done in my account without my permission and how my cards have been canceled without my permission and I told XXXX not to cancel it four times so today I have no money my card is missing will cancel and they can't tell me where my direct deposit went to or how much it was I've called all day long I have been on the phone and I have not got anything back this is not my first time with time having this type of issue there are really bad financial institution they let people take your money and when you call and tell them hey it's something wrong they do not respond back most of their customer service Representatives will not speak to you with manners they're laughing and they hang up the phone on you they ask you to send proof and photo ID what you do and they send back emails and you can not really speak to a human without being disrespected is very sad I do have almost three videos and willing to send them in
05/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • 33916
Web
In accordance with 15 U.S. Code 1693f ( a ), CHIME was presented with written notice that I, the consumer, believed that an error occurred when an Electronic Funds Transfer from XXXX from XXXX XXXX XXXX was returned back to the Sender. The alleged discrepancy that caused the rejection was the name on the deposit did not match the name on the account, when the names in fact did match. CHIME was abusive and deceiving in this nature causing tremendous amounts of stress to get this error corrected. CHIME used fraudulent practices to return my deposit and many others who were in a similar situation of using CHIME as my primary bank for all deposits of income of self employment. CHIME has never rejected a deposit to my account due to it being a business transaction, in fact I am sole proprietor all business transactions are conducted in my name and deposited into this account. Withstanding, the Sender of the Electronic Funds Transfer has successfully initiated several prior Electronic Funds Transfers into my account without rejection or verification. CHIME was abusive and unfair in choosing to reject this such a large deposit of crucial funding during a time of uncertainty and economic stress. This abuse has left me with little trust in CHIME and its illegal and fraudulent practices. I'm afraid to deposit funds into this account as CHIME has shown me that they are not reliable and are above the law, with their illegal actions and lack rightful concern handling consumer complaints and transactions. CHIME after numerous written notifications from the consumer continued the acts of abuse causing severe mental anguish and anxiety about that fate of my Electronic Funds Transfer. CHIME has yet to investigate my claim of their error. It is now 43 days since the error occurred Chime was directed numerous times by the consumer and notified that they are liable for damage and given instructions to correct the error and credit the account in accordance with 15 U.S. Code 1693f ( b ) Instead, I was misled in the procedures of retrieving my Electronic Funds Transfer. CHIME insisted there was nothing more for them to do and that I must refer to the depositor to resolve CHIMEs illegal practices of willful negligence.
03/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CO
  • 805XX
Web
I've had an account with chime for a couple years with no problems. Recently someone hacked into my XXXX XXXX account and pretty much drained the rest of my tax return from my chime account. On XX/XX/2023. XXXX dollars in a series ' of adding cash from my chime account to my XXXX XXXX, than sending it to themselves. Multiple transactions from XXXX to XXXX. The last time they tried for another XXXX and it got declined.I 'm newly divorced, and lost everything in that divorce. I've been trying to rebuild my life. So if you can imagine, that money was very important. I noticed this hack about two hours after it occurred and immediately notified chimes dispute department. First I'm told that once the transactions are no longer pending, then I need to promptly notify them again that I still dispute the charges. When I ask when Ill see my money credited to my account. I was told by one employee up to 45 days and by another, XXXX, ,up to 90 days. So I research their website. They claim to be backed by XXXX XXXX XXXX liability policy. And my XXXX XXXX was only linked to my chime XXXX card. So than I research XXXX XXXX website and policy. I even call their customer service. The policy states that XXXX requires all issuers to credit your account within 5 days of notification. So I call chime multiple times, even speak to a supervisor. All I get is this run around talk and the same 45 to ,90 day XXXX and employees pretending like they give a XXXX. It's a XXXX dollar company with insurance. And they are refusing to credit me the money stolen from my account in a timely manner going against their own policies and contracts. Meanwhile im stuck at home needing a car repaired and can't even buy groceries. If this were any other bank my money would've been back in my account in 24 hours or less. I have never been more disappointed, let down and disgusted by the greed of a company. Shame on them. Seems to me like some class action lawsuits are headed their way. As they deserve. How unintelligent to go against your own policies are rules. They deserve nothing less. As for myself, I'm already in contact with a consumer protection lawyer who works on contingency. Which will cost them much more in attorney fees
08/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • DE
  • 19720
Web
On XX/XX/23 I deposited a {$200.00} check via my banks mobile app. I have deposited the same check for a few years now on the same account, around XXXX times total. Usually chime releases at least {$200.00} of the check within the business day. However, I am being told they just hold the funds for XXXX business days without reason. Here is the BANKS RESPONSE : Hi XXXX, Thanks for reaching out to Chime Member Services regarding hold on your Mobile Check Deposit. I appreciate you bringing this matter to our attention. I understand that this has been inconvenient for you and I appreciate your patience in this matter. I'm here to assist you. Looking at your account, we received your {$200.00} check from XXXX but it has a hold of 5 business days. I understand as you said you are depositing the same amount check in your account which was deposited previously. We want to make sure your check doesnt bounce and you don't face any kind of issue. Your money will appear in your account by end of day XXXX 5 days after deposit. If your check bounces, well send you a notification. We use a number of risk-based factors to determine which checks require holds, and this means some checks might have a hold while others do not. I hope this info helps! Your satisfaction is our motive. If you have any further questions or need additional information, please don't hesitate to reach out. I'm here to assist. Thank you for choosing Chime. Best regards, XXXX | Chime Member Services MY RESPONSE : Hello, I have consistently deposited the same check, as you have noted. Based on my account history, there are no red flags, no reasonable cause to believe the funds are uncollectible from the paying bank, no emergency conditions, no check redeposit, the total amount is less than {$5500.00}, and this is not a new account. According to ECRF.gov ( Refer to 12 CFR 229 " Availability of Funds and Collection of Checks ( Regulation CC ). '' ) Chime should release up to {$220.00} of this check on the next business day after deposited. Thanks for your time, XXXX XXXX I have never had an issue with Chime until now when I deposited this check. I believe they are holding these funds without proper justification.
12/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • GA
  • 30238
Web
On XX/XX/2020 I filed a claim for unauthorized pay friend transfer. I filed this claim when I went to look at my account and seen that my account had been completely drained of {$2000.00} I had set aside from my University XXXX XXXX refund I had gotten on XX/XX/2020. Normally I get notifications from chime when my account balance is low or if Ive done anything on my account but on XX/XX/2020 my account was hacked and all my money was gone and I didnt get an alert or anything from chime saying my account was low. I had gotten a refund from school on XX/XX/2020 and the refund was for {$2400.00}. I had gotten my unemployment payment as well and so sent money to my XXXX account to be sent to my bank to cover bills I had to pay. I left {$2000.00} in my Chime account thinking it was safe there until I needed it. But one day after getting my school money and sending money to my back my Chime account was HACKED and my money was gone. Of course it looks like I sent the money, but thats how hackers work. They can log into your account from anywhere as if they were you and do what they need to do. If this done by me I wouldnt waste my time writing this and fighting for my money I thought was safe in my Chime account. I have never use the transfer to friends feature on the Chime app and all of my transactions of sending money have been to myself. That {$2000.00} is all the money I had, my rent was apart of that {$2000.00}. All Im asking to have my money returned back to me. This was a fraudulent transfer that I did not do. I have no clue who the person is that was the recipient. If I did send the money trust me all of this typing and pleading my case would not be happening but it is because it wasnt me. I only have {$20.00} something dollars to my name in my bank account and so I dont have {$2000.00} to be sending to anyone ... so yeah Im going to fight for my money. I pray this will help because I really dont want to have to go to court and fight for even more money due to inconvenience and breach of security because I may have to. I all I want in my {$2000.00} back and thats it. After I filed this complaint on XX/XX/2020 chime closed my account with them and will not tell me why they closed it.
01/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CO
  • 80247
Web
Hello, I am providing a written statement along with additional documents such as a police report to support my claim and request to reopen the claim. I am a victim of a scam. On XX/XX/2021 I purchased a blue sectional sofa for the agreed upon amount of {$110.00} and never received the sofa! The payment was sent to the person selling the sofa on XX/XX/2021 and the sofa was to be delivered to me that night or the following morning on the XXXX of XXXX. I then set up arrangements with my current rental sofa to be returned to their warehouse once I got the sofa from the seller. This can also be verified with my rental furniture company. Shortly after paying for the item the person who sold it to me has since removed the listing for the sofa, blocked me on XXXX. They also stopped responding to me that night on the XXXX of XXXX and I have not heard back from them since. They also changed the name on their account where the payment was sent to, in an attempt to cover up their scam. I have reported them to XXXX and XXXX. I requested the funds back from them because I did not receive the sofa and they never gave it back, proving they were scamming me. I have since filed a police report with my local police department that you may call and verify and I have attached the copy to this email. I am truly a victim of this scam and it pains me as this money was taken from me days before XXXX and I could not purchase presents for any of my family members. Not only was I scammed, disappointed for not receiving the item and left with no money for XXXX presents I am also facing this difficult battle to obtain my money back from my bank, Chime. It further saddens me to have my claim denied from Chime when I should be expecting the most support from especially when the amount is as little as {$110.00} that should be returned to me as Chime is backed by FDIC. I am now behind on multiple bills and desperately need this claim to be approved as it will help me greatly and return my faith in Chime. Please please return this money to me. Thank you very much. Attached to this email please find the police report, please email me if there is anything else needed from me. God bless. Chime denied the dispute
06/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • SC
  • 29341
Web
Chime banking has taken money out of my credit builder transactions without leaving a paper trail and double charging it but I have screenshots of it taking money out when I first do the transaction then it pending for XXXX days, then when it goes through it takes the same amount out in the same transaction a second time after pending when it took it out to start. On XX/XX/XXXX I made a {$40.00} gas transaction and it took it out, pended for 2 days and went through the XXXX where it took another XXXX out in the same transaction after pending. The same thing happened XX/XX/XXXX where I got gas at a different gas station for {$20.00} which it took out that day from my account and it pended until the XXXX where it took another of the same amount out for the same transaction. Then again Saturday XX/XX/XXXX I got gas for {$19.00} and it was pending until XX/XX/XXXX to where it took the money when I first made the transaction the XXXX and then again took it out a second time on the XXXX when it finished pending but didnt say anything was taken out though after it was I keep track of my account and my credit account went negative {$12.00} because I had {$6.00} and some cent left in my account to see if it would do it after it finished pending and it did which put me negative. Ive called and disputed all 3 times and didnt get the {$40.00} charge disputed the first time, they actually made a dispute about the {$20.00} one and the money came back in my account from that incident without a paper trail just as it was taken out and the {$19.00} is still in a pending dispute after a couple weeks now though I provided them with screenshots of how I caught what was happening and where it took the money out twice in the same transaction. Theyre leaving no paper trail of it either unless you catch it in your own account and know your balance. I was only able to do it so well because I have notifications turned on that shows it was taken out when I first made the transaction then screenshots of it doing it again without leaving a notification just from it going through and that much being taken out of my balance. ( It was for gas in my car all 3 times but from raceway and qt, 2 different stations. )
02/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98133
Web
I got a refund issued for a terrible experience with airbnb. I was granted a partial refund on XX/XX/XXXX, the day I called XXXX about the issue. Chime had nothing saying a refund was issued. Skip forward to today, 11 days later, I call XXXX again, as there was an issue on their end as well and I got that taken care of. I was told to call my bank to check on the refund, and today, after talking off and on with them since the XXXX... they had a note of the transaction magically be there after not seeing it for 11 days, and it said it hit my account. However, it did in fact NOT hit my acct. I was broken down in a car in Nevada driving back to XXXX and was desperate for that money to hit and it never did. I did math of all my transactions to ensure I didn't XXXX myself over with my low funds I had, and there is no {$420.00} refund anywhere in that. My statement also claims I have nearly {$700.00} more in my account than I do, so I feel very scared about there being a larger chunk of money missing than my refund. I have noticed keeping track of things on paper not lining up with my bank ... my card has been used by XXXX quite a few times, I'm getting a new one sent. I project I am out {$1100.00} in total. Ultimately, I want my {$420.00} refund from XXXX, and an explanation as to why my statement shows {$690.00} more dollars than I have. Nobody will tell me, phone representatives stay silent when I ask, at least 2 of them, silent. I feel very uncomfortable having my personal info and money in this company. This is far from the first time I've seen large portions of my money go missing, or have had my card used by XXXX specifically multiple times for purchases not made by me since having Chime. I've attached my chime statement a representative told me she was reading from today that shows I have XXXX more than I have. She told me that wasn't on my statement and when I asked her why the balance shows as such, she and the next representative refused to say a single word to me. I'm incredibly positive this is real money that is missing from me and I'm devastated and horrified to realize that thinking money has been going missing the past few months seems to actually be happening...
07/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • MO
  • 63031
Web
On XX/XX/2022 an unauthorized transaction was charged to my account. I filed a dispute, and within hours Chime denied my dispute stating they see no error in the transaction. I requested documentation they used to determine their decision. They sent me screenshots of questions I answered regarding my dispute, but nothing showing what information confirmed I made the purchase. I requested to reopen my case. Chime stated I would need different back up to reopen my case. I reached out to the merchant, XXXX, and explained my situation. They confirmed with me that they showed no purchases made by me, and that Chime has not reached out to them. They provided me with a case number and advised me to give it to Chime so they can confirm I did not authorize any transactions. I gave the information to Chime and within hours they rejected my dispute claiming I did not provide different back up to support my claim. I reached out to Chime via phone and was told the same thing. The information I provided was not different and they would not continue forward with my dispute. I asked why no one at Chime is reaching out to XXXX. I explained that I'd spoken to them, and they confirmed it's an unauthorized transaction, and that they're waiting for Chime to reach out to them so they can provide Chime with this information. I was told all he could do was add these details to the notes on my account because I have not provided Chime with different back up for my dispute. I reached back out to XXXX. They again stated no one from Chime has contacted them. I received transcript stating no purchases by me show in their system. I reached out again and received transcript verifying the exact dollar amount and that nothing for that amount has ever been made by my. I gave this information to Chime and within a few hours they again denied my dispute. And stated I did not provide any different information. I called again and asked to speak to whoever handles disputes. I was told I can't speak to them because they are only reachable by email. I asked Chime to please reach out to XXXX so they can confirm the charge was not authorized by me but they continue to close my case without researching the transaction.
09/15/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • IN
  • 46254
Web
Tried to order a mover on XXXX XXXX to move Friday XX/XX/15 and chime card got denied for temporary hold. I just got paid 15 mins prior so I went online on XXXX find chime support number XXXX XXXX spoke with XXXX who told me I need to go to XXXXXXXX XXXX and download app called XXXX Remote desktop to reset my phone and he will assist me. He said to go to settings hit permissions then go into the app and highlight every part of the device so he can have remote access. He took over and told me to log into my chime account which I did via finger log in. He then took {$200.00} out of my checking account then said he needs to verify it is working he will take funds out then put it back after verification clears and to wait. My {$200.00} disappears and he sends it to pay anyone named XXXX XXXX under XXXX. Then he goes into my savings and takes my direct deposited employee check of {$1000.00} and sends it to pay anyone named XXXX XXXX under XXXX XXXX. He then ask to pull up my XXXX XXXX I say what for that's when the red flags come out I say put my $ $ back in my account now. He then hangs up. I call back and he states I am crazy. I contact chime support again at different number from XXXX XXXX XXXXXXXX. I spoke with chime support first who sent me to fraud dept. I explained what happened freaking out. I was told I could file a dispute had to answer some questions. I was told if I am approved by fraud investigators I could receive a temporary credit to my account within 10 days. I explained I needed to move now and need my money now for me and my son. I was told the investigation could take up to XXXX days. So now I am stuck with no money to move. I feel like this is unfair and I want my money back right away from Chime no delays. I am unaware of online fraud until now and feel as the victim of online fraud and misrepresentation online that I should be reimbursed immediately! No questions. I was also told that I should only use the mobile app for chime and not search online for chime support by chime support representative. Please I need your help to make chime reimburse all my money immediately. I can be reached via email XXXX which is the best method of contact instead of phone.
03/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 43227
Web
It all started on XX/XX/2023. I filed a claim with Chime about unauthorized transactions. They gave me a total of XXXX in which multiple atm fees were not included. They said the time frame was 10 days to receive a provisional credit and up to 90 days for the investigation. My case was closed out within 5-7 days excluding the weekend. I called them back when I got the alert and told them they could not have done an investigation on my behalf due to the time frame the dispute was closed. The rep then entered a rebuttal ( reluctantly ) and stated I would have to wait an additional 10 days. I waited and a provisional credit was given. They closed the case shortly after and waited until my account showed a substantial amount so they could charge the provisional credit back to me and then debited my account. Once I found out I called them again and opened up another rebuttal after seeing the information they provided. This time I was assured my claim would be processed as I was told but when I called them no record could be found. The reasoning was so vague and incorporated the same info I gave them in my initial claim. So I called again, spoke a floor manager in which filed another rebuttal. I have talked to 2 or 3 floor managers and they all just want me to get off the phone and not handle my issue. Each time it is 10 days, so I have been waiting for 40+ days for them to do a proper investigation. It would be more for me because I count the weekends. I have been with them 4-5 or more years and never filed a claim! Enough is enough and I want my money back asap!! The dates and claim # XXXX filed is XXXX XX/XX/2023, another date in between in which they did not want to give me per the reps that answered my call. A floor manager stated the next was XXXX on XX/XX/2023, XXXX on XX/XX/2023 and used the initial dispute # under the third time claimed which is the 4th or 5th being XXXX on XXXX. No # XXXX came like this before with indicates they are alerting someone to my issue! Please help me in recouping my funds as I do not want anything to do with this company again and i will be alerting all my friends and family about them not having support once fraud or whatever issue they face!
10/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OR
  • 97266
Web
I filed a dispute for the fraudulent charges on my Chime account for {$2000.00} I told them one of my phones and bag with id and some cards had been stolen when car got broken into. The denied my dispute right away and didn't even have time to check anything if they would have they could have seen it was fraudulent and the person was not me and I did not authorize anyone to use or make any transactions. Nor did I give my pin out. I asked numerous times for the info they used to determine this And they sent me just the list of my disputes that I had disputed that's it no reason or why they said no error occurred. I have since filed numerous rebuttals and almost immediately they send me a email saying it's been denied and that's there final decision that no error occurred when it in fact did because I didn't authorize any of the charges I disputed. I asked for information how the determined no error occurred numerous times and they never could give me a reason that would answer why I keep getting denied and also they said I gave my card pin out when I never said that they completely lied and none of the answers come close to the questions they asked me and what I answered I tried calling ane emailing them telling them that I never said any of that and they ignored me completely and wouldn't change it. I honestly just want the money that was Mine back they also say they talk to other financial institutions to determine outcome I also included one from my other bank that agreed with my and refunded my money that was done from unauthorized transactions on my accounts and told them it was crazy my other bank believed me and refunded my money but CHIME would not and it was not fair I'm out this money that been stolen. I just want them to do the right thing like XXXX did and give me my money back that I didn't authorize anyone to use or didn't give my pin out. CHIME KNOWS WHAT THEY ARE DOING AND THEY WONT EVEN GIVE ME ANSWER THAT MAKES SENSE HOW THEY DETERMINE NO ERROR OCCURED WHEN IT DID! IVE BEEN FILING REBUTTAL AFTER REBUTTAL FOR MONTHS AND ALMOST IMMEDIATELY AFTER I FILE THEY SEND EMAIL WITH NO REASON FOR THEM TO DENY MY DISPUTED TRANSACTIONS ALSMOT IMMEDIATELY AND ITS NOT OK!
02/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NV
  • 89015
Web Older American
On XX/XX/XXXX I submitted a funds transfer between my linked accounts. I received a notification that the transfer had been initiated. On XX/XX/XXXX I received a notification that the transfer had been cancelled due to security issues and my account was locked. A payment to a vendor was returned on XX/XX/XXXX. The function which allows you to send money to friends hasn't worked in over a month. I was asked to provide a front and back copy of my ID and a pictures of my holding my ID which I did. Then I was asked to submit this again but this time include a piece of paper with the date written on it holding my ID which I did. Then I was asked to provide a copy of my bank statement and a letter from the bank explaining the reason for the transfer. I provided 2 bank statements with a message that there are transfer transactions on the statements between these linked account and this activity is normal and not fraud or suspicious. At this filing my account is still locked. I sent over 30 messages and made at least 10 phone calls letting them know that the locked account is the only account that I have money and that I am running out of food to eat and have bills that need to be paid. My account continues to be locked for no valid reason under the guise of " security concerns '' It is now 5 days and counting and I have only rice to eat for 2 days now, which I will finish today. I believe this is a scam that allows the bank to hold onto funds for a designated period of time to earn interest. I believe an investigation would uncover that this bank routinely locks funds on accounts as there are numerous complaints of them doing this. Normal procedure is for a bank to send a fraud alert where the customer confirms or denies they did the transaction before locking the account. Banks do this for transactions that are outside of the customers normal transaction pattern. In this instance, I am not doing anything any differently and these transaction are a part of my normal activity. Even if an account is locked, it is immediately unlocked once the customer contacts the bank. This is why I believe this is a scam in the same league of that perpetrated by XXXX XXXX with phony accounts.
06/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 15221
Web
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chime regarding their handling of my fraudulent transaction disputes. Despite providing the necessary information, Chime has declined my disputes without valid proofs or reasonings for doing so. The fraudulent transactions in question occurred on my account on XX/XX/23 at a XXXX XXXX XXXX XXXXXXXX XXXX for {$45.00}. I reported this transaction to Chime and filed a dispute. Chime has declined my dispute without any valid explanation or evidence to support their decision. Their resolution has been to issue me a new debit card when I reported the fraud and then decline my dispute. Theyre evidence consistent of a receipt from the merchant along with the merchant clarifying that SOMEONE grabbed merchandise there but no proof of it being me. The merchant ( XXXX XXXX XXXX XXXX ) claimed to have checked video footage however if they did then it would be clear that I wasnt the one who purchased it. Furthermore, they provided no proof of me ( XXXX XXXX XXXX ) scanning my ID for the alcohol beverages that were bought with my card unauthorized. I have provided Chime with all the necessary details to support my disputes, including transaction details, and other relevant information that they needed for the dispute. I have also explained that I did not authorize this transaction and have no knowledge of it multiple times to them. Despite my efforts, Chime has failed to provide me with a favorable resolution regarding my disputes. This has caused me significant financial and emotional stress, as I am unable to retrieve my funds or resolve this matter. I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold Chime accountable for their failure to handle my disputes appropriately. I am also requesting that Chime refund the disputed amount IMMEDIATELY and take necessary measures to prevent any future unauthorized transactions on my account. Thank you for your attention to this matter. Below Ive attached pictures of chimes proof/ supporting documents for declining my claim as well as a screen capture of the charge Im referring to. Sincerely, [ XXXX XXXX XXXX
09/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 148XX
Web
At first, Ive opened an account without any reasonable checks just fill the form and instantly get an account without any identification, documents, and credit checks. But two weeks later, when I deposited a test amount of money, my account was put on hold due to suspicious activity. I dont know why it may have happened, but one of possible explanations is that its because I was on a vacation outside of the U.S . Ive been requested identification documents via e-mail and I have provided U.S. Passport, U.S. Passport Card, SSN card that was not signed, credit report from XXXX, statement from the other XXXX XXXX When I have provided the documents, Ive been requested to provide new photos of them and to sign SSN card. Ive done all that and provided new photos. Later, I received an e-mail that requested a State-issued ID or Driver 's License or a Permanent Resident Card ( for the context, I'm US citizen ). I have replied that I dont have state-issued ID or Drivers License, which Im not even obliged to have. Moreover, Customer Identification Program regulations explicitly state that there may be alternatives to driver 's license such as a passport : 31 CFR 1020.220 declares that For an individual, unexpired government-issued identification evidencing nationality or residence and bearing a photograph or similar safeguard, such as a driver 's license or passport. In my correspondence, I highlighted that I have already provided other universally valid federal-issued identification documents with photo and that Im ready to try alternative forms of verification if they suggest them. The support replied that in this case they cant lift the hold. I asked them again to provide alternative identification options and offered them some alternatives like selfies with documents, other documents that I have including U.S. birth certificate, documents from my second citizenship ( foreign passport and foreign drivers license ), and even an option of signing a statement in front of notary public who will verify me. Nevertheless, my request was ignored multiple times both through the call-center and e-mail. I have even filed a claim ( see attached ) to them, but that didn't help.
01/29/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NJ
  • 074XX
Web
My Chime bank account was hacked and {$11000.00} was removed. Chime bank have not been cooperative in answering my questions as to how and when I was going to be made whole again with the money that was removed from my account. On XX/XX/2021 at approx. XXXX XXXX I received a text msg from Chime with a security code which I had not requested. A few minutes later I received a 2nd security code. At this time I contacted my husband to see if he was trying to access the account and he said no. I then immediately phoned Chime support. While on the phone with support I received another text message stating that my email address on the account had been changed. Still on the phone with Chime I advised them of the text and advised her what my balance should be, she replied that there was nothing in the account. There were apparently 3 different transfers made at that time on XX/XX/2021 by someone without my authorization. At this time they told me to send copies of my ID to chime support which I did. I have been in contact with them daily attempting to get a status and an explanation of what was happening and how and when they were going to fix this situation and replace my funds that were stolen. At one point I received an email showing the 3 transfer transactions and also indicating 2 transfer returns totaling {$9100.00}. The 3rd transfer for {$2000.00} had still not been recovered at that time. During this time my account was locked from my first phone call when the email address had been changed from mine to someone else. Therefore I have had no access to the account to remove any of my funds that may have been returned. They would not answer questions but kept transferring me from one person to another and finally after days of phone calls they told me on Wednesday XX/XX/2021 that my account would be unlocked in 48 hours. By Wednesday night they had closed my account without explanation and I now have no way to contact them or to check on my balance. My concern is that I will not receive all of my funds that were in my account if I dont stay on top of this. There is no phone number I can call because I now have no active account due to their closing it.
11/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MN
  • 56560
Web
on XX/XX/2022 i reported to my bank chime that i got hacked and that my phone and all my cards got stolen the day of XXXX i made a police report and sent all information to chime through email even all of the evidence that my XXXX page was hack and money from my account was getting sent to people that i didn't authorize i explained this to them for 3 days and i still didn't receive any help from chime they kept emailing me that they didn't see any errors on my account then on XX/XX/2022 i found out that they lock my account and stated that detected usually activate on my account and emailed me that i had to send verification of my id and a picture of me with my id to supportatchime.com through email because when i tried to login and do it through the app it wasn't working so when they emailed me i sent all proof to them as they stated and then on XX/XX/2022 they emailed me aging and ask me to send all my proof to them aging but this time they wanted my id and another picture of me with my id and a piece of mail with my name and address i didn't understand why they needed more information just to unlock my account so i called them and ask if i can speak with a manger to ask them why did i have to keep sending my information when i already sent it they act like they couldn't answer my question so i ask them to close my account down because i feel as if they might be a part of the fraudulent activity the manger told me it will take approximately XXXX business days just to close my account they didn't help me get my money back they told me it wasn't any errors that accrued on my account but they locked it due to unusually activity on my account none of this made since to me i lost out on XXXX dollars do to scamming and people who hacked me i couldn't pay my rent i couldn't pay my bills for water and gas and electricity do to all of this activity that has happen and I'm going through a life XXXX and i need help and support for my identity and my money that was stolen from me i have all the information if needed i have my police report i have all the emails i have all the evidence that i was hacked i have everything but no one is willing to help me to resolve this problem
08/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • KY
  • 407XX
Web
Ive not been able get into my account with Chime in almost a year, didnt need to really because I just had some small deposits going in there just saving money for a rainy day. to but I have had deposits going into the account nothing major just some investment income I planned on saving. But someone has been using my chime account for the last year. When I recently regained access to my account I had to change address, phone number, email because none of it was my own. ( fyi : I was refused to be given the information that it was previous before I changed it ) never lived at the address it had use. Ive contacted all merchants over these issues XXXX XXXX ( that I dont even have an account with, sent documents from XXXX XXXX with that information, XXXX sent the email from them stating to file disputes with chime for the transactions and XXXX same as well yet Ive disputed the {$1000.00} worth of claims that Ive provided all information for and I was even told by XXXX XXXX and XXXX that they havent been contacted by chime about any of the claims and 4 times now that Ive disputed and rebutted the claims Im still denied. Nobody will physically call me from the dispute team for whatever reason to even speak about the unauthorized claims. Im being wrongfully denied my money back. Ive lived at the same address for 30 years and I know the ip IS NOT the same as the one I have because I dont have any but one and due to all of this being over unauthorized transactions from my virtual bank card. Ive asked now for 2 months for the documents that were used to resolve the disputes and never have seen them. Also another huge thing in all this should have been the bank account that was linked to my chime account wasnt even mine! It was a chase bank which I do have a XXXX bank but Ive only had it a few months and Ive never ever once linked chime to it and I have proof of that. I have proof of everything. I just want my money back Im a single mother and Im struggling. One thing I would like to add is that some of the transactions are going to a XXXX XXXX being transferred to it and it has my name on it but I can assure legally that I can not even create a XXXX XXXX account period
08/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 783XX
Web Older American
From the end of XXXX ( When I no longer had a cell phone ), I tried to get my password so I could get into my online account at Chime. I kept getting asked for copies of my drivers license, a picture of me holding the license and a piece of paper with the current date on it, and something else I do not remember at this time. Not having a phone I could only take and send pictures with my Laptop computer. Chime kept complaining the pictures were fuzzy, try again. This went on and on. All I wanted was to get into my account so I could see what was happening. Finally, at the end of XXXX, some kind woman said she could not get me in but if I used a different email address she would be able to get me in that way. I came in with a new address and checked my account which I had not gotten to before and saw a bunch of charges I had not made. This was, by now, XX/XX/XXXX. I called them into Chime and they said they would check them and I should have an answer by XX/XX/XXXX. I am not in a position where I can afford to wait XXXX months for money stolen from me with Chime 's help. They know I couldn't make those charges because they were all made before I had access to my account. And Chime gave them permission to do so. Normally, when I charge anything, Chime sends me a text asking if I made the purchase and I have to answer yes or no. Since I didn't have a cell phone they could not text me and just XXXX 'd every thing. So I am now paying for charges for a phone service I never heard of, for XXXX deliveries by XXXX XXXX and XXXX XXXX. I There were charges for thing completely out of reason for me to buy even if I could use my account and they know I couldn't use it. I keep calling and telling them I need the money now and they keep telling me XX/XX/XXXX. My auto insurance was cancelled because it is an automatic monthly deduction and there was no money there to pay it. I am now getting letters from other automatic deduction companies wanting their money and I don't have it. My refrigerator and pantry are empty and I will have to go to the food bank on Saturday, but starve until then because I have run out of cash. All I want is the money stolen from me, returned to me NOW.
08/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • CA
  • 91001
Web
This situation has exceeded it's max time of over 120 days I'm given to dispute transactions on my account. On XX/XX/XXXX I reached out to chime in regards to my account not receiving my refunds I've given it seven business days to show up on my account but nothing. Til today XXXXXXXX XXXX XXXX I received an email from chime Chime Account Number Ending In : Claim ID : Dispute Type : Debit - Transaction Was Cancelled Date Error Reported : XXXX Claim Amount : {$5500.00} Hello XXXX XXXX, This letter is to inform you we made a final determination regarding the claim referenced above. Our investigation concluded an error occurred. On XXXX, the merchant issued credit in the amount of {$5500.00}. We consider this credit permanent, and we reversed any applicable fees. We apologize for any inconvenience this may have caused you, and thank you for being a valued Chime member. If you have any questions, please contact us by phone at XXXX ( XXXX ) XXXX or by email at XXXX. Sincerely, Chime Disputes Team XXXX Chime. All rights reserved. XXXX XXXX XXXX, XXXX XXXX, CA XXXX Banking services provided by XXXX XXXX XXXX, XXXX. or XXXX XXXX, XXXX, Members FDIC. The Chime XXXX XXXX XXXX is issued by The XXXX XXXX or XXXX XXXX pursuant to a license from XXXX XXXX XXXX and may be used everywhere Visa debit cards are accepted. Please see back of your Card for its issuing bank. This email was sent to you because you have a Chime account. Your privacy is important to us. Chime will never ask you to share sensitive, personal information such as your PIN, your full social security number, or Chime login information over the phone, through text, or on social media. See our online guide to learn more about protecting your personal information. But my account is closed as of XX/XX/XXXX and XX/XX/XXXX after being treated like I didn't take the proper steps to take care of my identity filed police report filed for identity theft since XXXX chime made me wait so long. I've been the most trying to clear my name my balance importantly because if I owed money things would have certainly turned another route but it was vice versa and I lost so much time I can't and won't ever get back.
07/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • SC
  • 290XX
Web
I've had an account with Chime for more 3 years now, in which I have my XXXX check deposited every month. Starting back in XX/XX/XXXX of XXXX I started noticing different things with my account first off they never gave me the XXXX refer bonus they promised, then they have my phone number and a woman named XXXX, under the same phone number attached to my account so that has become a problem with different transactions which I contacted Chime about on many different occasions starting in XXXX of XXXX of this problem to no avail. I also noticed unauthorized transactions coming from XXXX XXXX XXXX XXXX XXXX XXXX, I've had this problem with XXXX through several different accounts now, so I also contacted time to dispute these to dispute these transactions, in which after going through the process several times they denied I even rebutted because they denied ( in less than 24 hours they said they had investigation the problem, ) I have disputed the same transactions with time on about eight different occasions starting at XXXX all the way up until XX/XX/XXXX of XXXX. The problem with XXXX having the same number as as I has cost me money also because when transferring money to another card it paid XXXX instead of me which I also contacted talking about several times disputing this problem and to no avail also. I also have contacted the time because when I signed up for my account I was told that I would have a {$200.00} spot me account where if need be after meeting their requirements which were I was to have a direct deposit every month and stay in good standings with them which I have yet I haven't gotten the perks from what they promised in fact their spot me program also has where friends boost each other {$5.00} a month and I don't even get my spot mes, from other members that send it to me I've also made them aware of these problems this problem to no avail. Several times now I've reached out to time and that associates to have these problems fixed after making sure that I had followed all the rules and regulations and got the federal guidelines yet Chime does not has not done the same I've attached documentation to prove what I'm saying thank you for your help.
01/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33810
Web
I prepaid a mobile detailing company on XX/XX/XXXX to come to my house on XX/XX/XXXX to complete a car detailing job. The company made me sign a document upon pre-paying for services. The document was signed on XX/XX/XXXX for a job that was supposed to be completed on XX/XX/XXXX. On XX/XX/XXXX no one ever showed up or called from the company to complete the job. I called the company, no answer. At that point I did research on the company and found the company is a scam. I immediately filed a claim with chime on XX/XX/XXXX. The claim number is XXXX. I also filed a fraud report, a dispute with my bank and a XXXX complaint on the company. As of today, my claim has been denied three times. Chime is saying no error occurred. I have spoken to multiple people and no one has been able to give me any answers. I have sent in multiple documentation showing that the company admitted they did not complete the job. In two emails the company stated they would do a refund but I needed to cancel my claim which I did not do. After reading multiple reviews on the company, I found that this is another tactic they use to get you to cancel the claim and they never actually provide the refund. At that point I stopped communicating with the company all together and chose to work directly with my bank which is chime. However chime refuses to credit my account. An error occurred when the company failed to complete the job. I spoke to a chime supervisor on XX/XX/XXXX who stated he doesn't understand why the claim is being denied. I then sent an email to chime requesting documentation used to come to the decision to deny claim. On XX/XX/XXXX I received that documentation and it is exactly the same documents I sent in as well, except I sent more. In the documentation the company provided they admit that they did not show up and asked me to withdraw my dispute. Yet chime still denied the claim and sided with the merchant. I also sent the response from the company on my XXXX complaint which is dated after the email that the merchant sent in. Again the merchant acknowledged that the job was never completed and they were unable to issue a refund. I'm confused, I'm frustrated and disappointed.
03/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • OH
  • 44125
Web
XXXX XXXX I received a deposit for XXXX from XXXX XXXX I sent XXXX to a family member in order to get cash because chime only allows for XXXX dollars atm withdrawals. I also withdrew XXXX dollars. I then transferred XXXX into my savings as I didnt want that much money sitting inside my spending account. I also put funds onto my XXXX XXXX card. At XXXX I received an email stating my account was on hold and I had no access to my mobile app or funds. I sent in ALL required documentation they asked me for which were my ID front and back, picture of me holding my ID, proof of address. I sent them all of that. I later received an email asking me to send proof of the deposit in question which was a XXXX loan made to me and under my social. I sent them my loan documents which showed everything even where the deposit in question was going which was my chime account. That wasnt enough they then asked for proof of the deposit again but this time they asked for articles of incorporation and state registry paperwork. Im an iXXXXt XXXX Im not required to have any of that. They then closed my account and said they will not refund me for the remaining money in account and refer to section 9 of their policy ( Section 9 states if balance is 1.00 or less a refund wont be issued ) I had XXXX left all together from my checking and savings. I have given them all verifying information. They then asked me to provide a 1099 misc or invoices of service. I let them know I send invoices to my clients and I provided that and they STILL refuse to release the money to me. My invoices,1099 misc , articles of incorporation, state registry doesnt confirm the deposit. I gave them the very piece of information that confirms the deposit which is the loan documents from itria ventures themselves. Chime has even stolen money that was in my savings account before I received my loan. They are stealing from my family. My bills are past due, I have a XXXX son. I contacted a lawyer for advice who said they are violating several laws. I am required a check in the mail for any funds left over in my account. They are trying to steal money from people who need it most. Please help me recover my funds please
09/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • XXXXX
Web Servicemember
On XX/XX/XXXX I found out from XXXX XXXXXXXX that my Identity had been stolen and benefits I was waiting on were claimed by an imposter. On XX/XX/XXXX I received a call from XXXX about the aforementioned account and was eventually granted access to it, discovering a multitude of forged documents and messages submitted in my name including a bank account in my name that I didn't open or authorize. I contacted XXXX XXXX XXXXXXXX XXXX who informed me that the deposit account was insured by them but held by Chime Financial , Inc and I would need to initiate the process through them. I contacted Chime and upon verifying my identity via 27 messages of proofs of identity including photos of myself holding hand written papers with the date and my SSN as well as a bio-metric facial scan, I was granted access to the account and discovered it was used to setup direct deposit of XXXX benefits in my name that I am rightfully entitled to due to 35 years of paying my taxes. Since I did not receive the funds I issued disputes on all 459 transactions totaling {$30000.00} and before I could end the phone call disputing them, I had already received an email of denying the claim. I then filed a rebuttal and provided my GPS location data as verification that I did not make these transactions and was again denied. Since a large amount of the transactions were ATM withdraws, there is obviously direct ATM photo/video evidence that these transactions were fraudulent and yet the protected FDIC insured funds that were deposited and intended for only me are being withheld. As if it's bad enough that Chime Financial , Inc parades around impersonating a Member FDIC Banking Institution, they have also blatantly posted on the front page of their website " Some online banking accounts require a copy of ID like a driver 's license. When you bank through Chime 's partners, you do not need to submit photo ID. ", essentially begging for criminals to use their fake bank for fraud, identity theft, money laundering, etc. through accounts they don't even have to verify. The deposit account that was made in my name also had a savings account and credit card/account attached to it made by the imposter.
12/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 48317
Web
This issue occurred with the company known as Chime but also goes as XXXX. This company is so crooked and stole {$860.00} from me while Im going through a hardship. On XX/XX/2023 at XXXX I went to XXXX XXXX XXXX outside atm and attempted to disperse {$860.00} with my Chime Debit Card. The atm caused a error and did not disperse the money. I then got out my vehicle and went inside of the bank and explained it to a representative what happened. She told me that I would have to follow up with Chime. I contacted Chime by phone call, and they informed me that I would have to wait until the transaction goes through and stop pending and then give them a call back to dispute the transaction. On Sunday, XX/XX/2023 the transaction shown it had processed so I called and disputed the issue. Tuesday XX/XX/2023 at XXXX I received a email denial letter. The denial letter that I received does not adhere to guidelines set forth under regulation E. Wednesday XXXX XXXX at this point I felt as though my hands were tied and I went to my local police station to explain the situation just to get some kind of help. He referred me to the that same XXXX XXXX XXXX and was very helpful. And I spoke with a very helpful manager of the bank named XXXX XXXX, she called Chime with me and went under full investigation. She ran a report and stated that the atm I went to is balanced on Thursday and it hasnt been balanced yet so its no way the dispute should have been denied. She stated the company also denied it within XXXX business day which is also not enough time to complete a atm investigation. We spoke with managers at Chime, no one was willing to help or even apply a temporary credit to my account. They stated it would take XXXX days to complete the rebuttal firmly and no temporary credit will be provided. We then began to look over my denial letter, and noticed the many ways it does not here to Regulation E guildlines. 1. There is no terminal location/transaction location listed. 2. Type of transaction ( atm, pos, retail ) is not listed. 3. Name of Financial Institution that initiated the charge is also not listed on denial letter. ( a copy of the denial letter is included in report )
03/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30039
Web Servicemember
On XX/XX/XXXX, I had TWO fraudulent transactions occur from two merchants, XXXX XXXX and XXXX for {$100.00} and {$110.00} respectively. I called Chime to dispute the transactions. They advised me that I would receive a provisional credit, an investigation would occur that could take up to 90 days, and I'd be receiving a new debit card. On XX/XX/XXXX, I received the provisional credits. I called both merchants on XX/XX/XXXX and had to leave a voicemail with XXXX Scales. I was able to speak with XXXX in the billing/fraud department of XXXX and she advised me that they already had the transaction flagged on their end as fraud and they refunded my money back that day. On XX/XX/XXXX, Chime took back both credits and sent me an email stating that NO fraudulent activity occurred. On XX/XX/XXXX, I received my new Chime debit card in the mail. I called Chime and had them open another dispute into XXXX XXXX since I had not heard back from the merchant yet. I received a provisional credit on XX/XX/XXXX for this. On XX/XX/XXXX, the credit was reversed again and Chime stated NO fraudulent activity occurred. On XX/XX/XXXX, XXXX XXXX from XXXX XXXX called me back and stated that the transaction that occurred on XX/XX/XXXX for {$100.00} was in fact fraud and I'd be receiving a refund. Today, XX/XX/XXXX at XXXX, an amount of {$110.00} from XXXX was taken from my account. I called XXXX and they can not find any transaction or activity that occurred on their end with my NEW debit card, name, or bank account information. I called Chime right after the call ended and a representative advised me that XXXX had taken back the money they refunded me on XX/XX/XXXX. I called XXXX back and they stated that is not true and that is not something they do once a customer has been refunded. So Chime really wants me to believe that XXXX SAW the fraud alert for the transaction that occurred on XX/XX/XXXX and gave me my money back on XX/XX/XXXX, but have now taken back the refund they gave me a whole 14 days later. That's absolutely absurd! I also went to Chime 's twitter page to seek more guidance and Chime is hiding tweets from other Chime members who have experienced fraudulent transactions.
07/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MI
  • 481XX
Web
On XX/XX/23 I attempted to transfer funds from my outside bank to Chime using Chime 's instant transfer option. I entered my debit card and attempted to transfer funds. It was rejected. I attempted it 4 more times but continued to get rejected. The amounts were roughly {$400.00} but it is difficult to recall exactly since I don't have access to the account anymore. Shortly afterwards, I received an email stating my account is on hold. They asked me to submit information to help release the account which included my state ID, utility bill, proof of the debit card that was used and an explanation. I submitted all this information on XX/XX/23. While I understand that the bank was closed on XX/XX/23, the subsequent emails I received on XX/XX/23 showed that I am unable to actual speak to anyone at this " special team '' to explain further what happened. I have submitted all the information 5 times via email and uploading it via their website. I continue to get emails stating that there are things missing. I have uploaded everything exactly as they specified, yet I am getting auto-generated replies saying " we'll look into it '' followed by instructions to upload the files again ( which I have done MULTIPLE times ). I attempted to speak with supervisors but they could do nothing more than send a message on my behalf. When I asked to speak to their managers, they said one is not available and there is no other way to contact them. So now I am left with approximately {$1100.00} in my account that I do not have access to. I can not pay my rent, I can not pay my bills. I will likely incur late charges and this situation has put me in a bad place with my landlord. One of their requests is that I send them proof of the debit card I used when I attempted the transfer. I have sent them my bank statement. However, they want my debit card number to appear on my statement which is just not how things work. Statements don't include numbers to the debit cards, they have an account number and those two numbers are obviously not the same for security reasons. Yet their auto generated responses keep asking for this information and explaining to them the problem does not help.
12/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NJ
  • 08054
Web
On XX/XX/2022, my book bag was stolen, and in that bag was my wallet and phone. Once i notice that my bag was stolen i had went to the police station and with out a phone i could not see if there was any activity occulting on my bank. When my phone was replaced is when i notice several charges in multiple bank accounts. | In these charges Chime was one of the bank accounts used to transfer money from one account to another, the account that was used was XXXX XXXX XXXX XXXX Unfortunately i never have a lock on my phone and as well i keep all my passwords and pins in my notes in my phone, due to memory issues and constantly forgetting my information.. Once ii notice the transactions i i contacted chime and submitted the police report thinking that would be good enough information to cont. a dispute and have my funds return back to me. unfortunate ; l it was not a chime denied andc closed my case in min. with no explanation. SO i submitted a rebuttal and this time i contacted XXXX XXXX which is ehre the money was transferred from my chime to this XXXX XXXX account that has nothing to do with me and is noted is the account being investigated by the police, with that i also contacted cash app and they submitted an email stating the account in question is not mine and that my personals account has no transactions with chime. and that my debit card was used on a suspected account that does not belong to me. after filing the rebuttal my case was denied and closed again only hours after reporting it. This is not the first time this has happen with chime but every dispute i have filed has been closed and not investigated in any manner. Every time i ask for the reasoning no one can give me one. XXXX will attache the following documents i submitted with the dispute from not only the police but as well lXXXX XXXX stating the transaction was done unauthorized and illegally as well i will attach the following emails with Chime showing the contradictions and unprofessionalism i had to face during this processes. with all the disputes i have filled chime owes me more then XXXX dollars btu refuse to reimburse me for any of my stolen or unauthorized charges.
11/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • TX
  • 75208
Web
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime, a financial institution, for its failure to address a fraudulent account opened in my name on XX/XX/2023. I appreciate your attention to this matter as I seek resolution and protection from further fraudulent activity. The details of the incident are as follows : Fraudulent Account Information : Date of Incident : XX/XX/2023 The perpetrators used my real address and email address but provided a false name when opening the account. Credit File Status : My credit files with XXXX, XXXX, and XXXX are frozen, ensuring that traditional credit checks are required for any account openings. Chime 's Lack of Credit Check : Chime 's unique policy of not conducting credit checks with major credit bureaus allowed the perpetrators to successfully open the fraudulent account. Request for Account Closure : Upon discovering the fraudulent account, I promptly contacted Chime to request the closure of the account. Ineffective Response : Unfortunately, the response from Chime has been inadequate. While they removed the associated email address, the fraudulent account remains open, posing an ongoing risk of additional fraudulent activities. I am deeply concerned about the potential harm caused by this situation, and Chime 's refusal to close the account as instructed exacerbates the risk of further fraudulent transactions. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to ensure that Chime addresses and rectifies this security breach promptly. Additionally, I urge the Bureau to review Chime 's policies regarding account openings and recommend changes to prevent such incidents in the future. Enclosed with this letter are relevant documents, including proof of my identity, the fraudulent account details, and any correspondence with Chime. Your prompt attention to this matter is crucial in safeguarding consumer interests and maintaining the integrity of financial institutions. I appreciate your commitment to consumer protection and look forward to a swift resolution to this matter.
06/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85024
Web
This dispute is with chime they are my current company I bank with. On XX/XX/XXXX of XXXX I was XXXX XXXX XXXX until XX/XX/XXXX. Upon getting out I discovered several unauthorized charges on my chime account. ( I discovered these charges after a few days of trying to remember my pass codes etc ) after finally getting in my account & noticing these charges I immediately called chime & informed them of all these charges which have all been listed below. I also filed a police report of this charges to further validate my claim that this wasn't done by myself. I told them my card had been missing along with my phone & everything of my personal property including my car. This very well could have give this person access to the pin number if it was used to make these charges on my account. Several of these charges are done online & even one charge was done account 2 account ( the receiver has a chime account ) I even emailed a copy of my XXXX XXXX proving further that I was in XXXX while these charges were being made 2 my account. I was told the claims were closed out & they weren't going to be refunding any of the funds that had been spent on my account to total roughly XXXX $! They told me that the charges were authorized even though I had just been released XXXX XXXX & had no way of making these charges myself nor able to have anyone make these charges for me to make them " authorized " I don't know what to do or where to turn next to get these funds back hopefully you can tell me or point me in the right direction. Thanx so much for your time below is a list of the charges to my account & the places & dates they were made on my account! XXXX XXXX phone transfer- {$50.00} XXXX XXXX {$18.00} XXXX phone XXXX- {$15.00} XXXX XXXX XXXX- {$25.00} XXXX XXXX XXXX {$13.00} XXXX XXXX payment- {$200.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$10.00} XXXX XXXX {$18.00} XXXXXXXX XXXX XXXX {$10.00} XXXX XXXX {$21.00} XXXX XXXXXXXX payment- {$31.00} XXXXXXXX XXXX- {$1.00} XXXXXXXX XXXX - {$1.00} Please keep in mind I was in XXXXXXXX XXXX from XXXX even the XXXX payments weren't made to my XXXX account as these were made to an account XXXX XXXX XXXX Thank you!
07/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85209
Web
On Friday, XX/XX/XXXX my account with Chime was hacked. Chime notified me immediately via text and email that someone in XXXX changed my account information while I was at work. I'm in XXXX. My boss let me call Chime to deal with this. I called them from my car with no one there for privacy, just me and the lady from Chime. We froze my accounts and at that point, no one had stolen any money but the hacker did move about {$170.00} from my savings account at XXXX XXXX MST into my Chime checking account. Then they moved {$930.00} from my checking account into my credit account with Chime within the same minute. Chime support told me over the phone that my money couldn't be touched at that point and it was all still there, just in the credit account instead of spread out how I had it. So I reluctantly went back to work. After work I had a bad feeling, so I called Chime to check on my money. During the time between my call to freeze the account and me calling again after clocking out at XXXX XXXX, I the hacker transferred {$490.00} to paysend.com. At that time, my account should have been frozen because I called Chime to freeze the account just after XXXX XXXX and I have a screenshot of the call to prove it, among many other things. I went home, reclaimed my frozen account, moved what I had left to a separate bank and started the process to dispute the charge. Time after time they denied my dispute, citing that I didn't give them enough evidence that it wasn't me spending money even though I gave them everything they asked for and more, even screenshots of their notifications to me that someone was changing my information out of state. I need that money for college really bad, so I filed several rebuttals of their denials and sent more information every time. I need my money back. That was two weeks ago and I would've filed my complaint sooner but I've been too depressed. They could have just denied the payment while it was still pending because it wasn't even finalized at the time I disputed it. I tried so hard to cancel it before the money left my account. My employer even sent a statement saying that I was working when this happened. Please help.
09/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MA
  • 02119
Web
On Monday, XX/XX/2022 I reached out to Chime BankXXXX and requested a letter for my visa application. The letter was to explain that I indeed to have a bank account that's currently active, with funds that are deposited weekly from my employer and that I do have the means to funds while on my trip to XXXX. XXXXne week goes by, two weeks go by and now three weeks have gone by and no response. I called the reached out to Chime on Tuesday, XX/XX/XXXX via XXXX to ask if there was anything they could do on there end, to see what's happening with the letter. They asked for my Chime $ sign which is your username that's unique to you. If someone, anyone wanted to look you up by your Chime $ sign, they can find you. What they didn't tell me is, you have to unlock the feature via your mobile device. The response through XXXX was, they could not find me and that I should email customer care or give them a phone call. I called Chime on Wednesday, XX/XX/2022 and spoke to a representative and didn't get much help. I called on Saturday, XX/XX/XXXX and was given a small piece of information but nothing that I could really use. Then finally, I called back again after getting the wrong information via email on Sunday, XX/XX/XXXX and XXXX, I can still remember his name was the one that helped me the most with the information that he gave me. He simply told me to email the company and request this information and that exactly what I did. The only thing I received from the company was an automated response stating they received my request and that they were working on it. I again reached out to Chime via XXXX today to ask if I can talk to someone and express my disappointment that I have with Chime and the customer service that I have been not receiving and that hit a dead end as well. I will be changing banks but for the mean time, I do need that letter. This is the worse experience that I've had with Chime. They were perfect in the beginning but I guess all mask have to fall off sooner or later. This just was not what I expect from a bank that's not a big box bank like XXXX, XXXX or XXXX XXXX. This is actually what I expected from them but never from Chime.
03/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MN
  • 550XX
Web
On the date of XX/XX/2022 to XX/XX/2022 I was having an open house and during that time my phone and my wallet were taking. I noticed on the XXXX where I can find my phone that morning and I try to find it and find it and deal with the open house at the same time when the open house was done so can not find my phone so I went to find my wallet and I can not find that neither how much time in the next day thinking I just left it somewhere or missed placed it. At what time finally I grabbed another device XXXX now this was the evening and logged into and found the phone was elsewhere at this time I remotely disabled the phone and remotely wiped it back factory reset it then I just had to look to the banking accounts on the XXXX and I seen that XXXX transactions were going at this time I immediately contacted all the financial services and canceled cards closed and shut off cards and everything so they can not be accessed anymore upon the next morning I filed a dispute on all charges as you can see Ive never charged into these places before with sound Im going over to XXXX and XXXX and everything else ATM withdrawal. I figured they hacked my phone to bypass the password which is very easy nowadays nothings truly locked when it comes to a phone. What is a Financial services have reclaimed my money and if you dont new cards and new protections to lock but still have one company that has denied every single claim they denied the ATM claim plus all the other charges heres a list of everything they denied. XX/XX/2022 {$55.00} ( XXXX XXXX ) XX/XX/2022 {$100.00} ( XXXX XXXX ) XX/XX/2022 {$100.00} ( XXXX XXXX ) XX/XX/2022 {$40.00} ( Sent money to XXXX XXXX account ) XX/XX/2022 {$210.00} ( Send money to XXXX XXXX account ) XX/XX/2022 {$67.00} ( House of valor $ XX/XX/2022 {$700.00} ( ATM Withdrawal ) I cant believe that theyre denying us its like I wish they wouldve shut the card off as soon as them Weird charging start popping up. XXXX say I had claim with XXXX XXXX with you guys and you guys made that get corrected and finally taken care of and I was at that with them for months until I finally found your services here so thank you for that
03/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33441
Web
Hi I had a mutliple ammount of unathorized transactions on my chime debit card. I contacted chime about this transactions and I open cases for them, my claim was denied by them almost right away without them really looking into it. I was told to contact the merchant. the issues consisted of one merchant twitch. there were 2 different type of transactions related to twitch. one of them were transactions saying sub service at the end while the other transactions mention xsolla bits as the other description. I contacted twitch directly about this issues and they were of no help. I got the emails back from them they say they are unable to find my information and to just solve it with my bank, meanwhile when I contacted xsolla for the other transactions they were able to find me and refunded me the charges as they were fraudalent. This took care of half of the problem as the other half of the transactions were still not refunded. so now im out almost XXXX XXXX this are the following transactions and ammounts and dates that were not refunded by twitch. This are fraudalent transactions that I never authorized. I been going back and forth between my bank chime and twitch for a solution but nothing has happen I ask that you help me as chime should refund me for this transactions as I never authorized them. by the way the claim number that had all this transactions on chime is All of this transactions say XXXX twitch sub srvc on my card statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MN
  • 55109
Web
On XX/XX/2022, I requested a transfer of {$100.00} be made to my brother by his phone number in Chime 's pay or request to or from a friend option in their app. The app asks for either their email, phone number or XXXX ChimeXXXX be entered. I entered my brother 's phone number and the amount and submitted the request. After the request was processed, a different name appeared. I contacted Chime right away to let them know that my request to send money to my brother 's phone number was sent to a stranger. Chime 's customer service representative researched the issue and confirmed that my brother 's phone number was associated with multiple different people and instructed I complete a dispute and to also send a request of the {$100.00} back from the stranger. I completed a dispute and was denied reimbursement of my {$100.00}. I also sent several requests to the stranger to send my money back as it was sent in error by Chime and the stranger has not responded to my requests. I called Chime 's dispute center and discussed my issue, explained to them that I had used my brother 's phone number but Chime had sent my funds to someone else. The representative explained how to appeal the dispute decision and asked me for proof that the phone number belonged to my brother. I appealed it and sent in my brother 's phone bill showing his phone number and name but Chime denied the dispute again. If Chime can not send funds to the correct person by phone number then Chime should not be allowed to have that option as a service to their consumers. Whatever information Chime has linked to phone numbers seems to be outdated and will cause consumers such as myself to lose money. I clearly followed the prompts in the app which indicated that I could enter an email, phone number or XXXX ChimeXXXX to send funds to and the phone number I entered was indeed my brother 's number. Chime sent my money to a stranger. I have proof that the phone number belongs to my brother but Chime refuses to reimburse me. When my brother 's phone number was entered, no name appeared so I confirmed three times that it was my brother 's phone number before I submitted it.
09/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WI
  • XXXXX
Web
On XX/XX/XXXX I had went to the gas station in my town at approximately XXXX at night. When I went to make my purchase my card was denied. I was very confused as I had just gotten paid that day so I should have had plenty of funds. When I got home I signed into my Chime bank account and saw that there was a transfer from my savings account of {$66.00} and from my secondary checking account for {$240.00} both put into my primary checking account and then a withdrawal of {$1400.00} transfered from my account to a gmail account. The funds were then reversed and then a second transfer was made for the same amount to a XXXX account. I immediately called Chime, as I did not make or authorize this transfer and filed a dispute they told me they would email me as soon as they came to a determination. I called them through out that week, then had to wait through the holiday weekend. When I called them again on XX/XX/XXXX they told me that the dispute was closed and denied. I then opened a rebuttal to my dispute, they told me to send in a written statement and the police report I had filed and any other supporting details. I emailed them the statement, the report, and a screenshot of the transfer taking place in my account. I then waited again and called each day again and today I got an email saying they were not changing their decision and closed it again. When I asked why they said they received no new information and could email me the documentions they had but it would take up to 10 days. When I asked to be given the information over the phone they said they could not provide that information over the phone nor could I speak to anyone who could. They told me that I could open another rebuttal if I had new information however I kept explaining that they have all the information that I have. My card was not taken or skimmed, my actual account was hacked into. I have sent Chime everything that I have and continue to say that I have not provided anything new and that no errors have been made. The hacker took everything in all of my accounts, Chime will not provide a provisional credit to help me pay my bills or admit that anything happened.
06/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MD
  • 20745
Web
On XX/XX/2022, I did a dispute with my bank for a transaction of a product that I purchased from XXXX and did not receive. I did the dispute with XXXX first and was told by XXXX that the transaction was not covered under there refund policy for lost or stolen packages, and they instructed me to dispute the charge with my bank. So, I did that. Then I noticed there were two other transactions that I did not authorize on my account, so I disputed those as well. Within 2 hours of disputing the 2 unauthorized transactions I got a response saying no error found which I was confused because when I made the 1st transaction with XXXX I got an email confirming my order, tracking information, and delivery noticed. I have been taken pro-cation to keep my account, debit card, and personal information protected. I had several incidents with XXXX XXXX that I disputed so I got bank through my bank some I had to get police reports and go through XXXX XXXX. If there's an unauthorized transaction on my account, I will notify my bank and request the help to get my money bank. I don't know why but for some reason Chime sent me an email saying they're closing my account on XX/XX/XXXX. I have paychecks, bill payments and etc. coming out of this account and just because they felt it they're closing my account. My dispute for the package I never received still says pending and when I asked them what will happen they basically said once it's done they will send me a check. I have refunds from XXXX that are going to the account and after XX/XX/XXXX I have no access to the funds. I feel like this is very heartbreaking that they will just close my account for something I had no control over. It's a pandemic still going on and people are scamming left and right I tried my hardest to keep my information protected but one wrong click from an email can get your information stolen and or a site you thing is good and you order clothes from it. I keep getting emails from Chime saying my account was locked due to fraudulent activity. Which I'm not doing. I have a government job and I have kids. I will not do anything illegal to get me taken from them or lose my job.
06/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 90250
Web
I am a hard-working, single mother, taking care of XXXX children. I live in XXXX, Ca. On XX/XX/2022, an unauthorized purchase was made in XXXX, Wa, in the amount of {$2500.00}. I contacted Chime to report this transaction as fraud. As I was on the phone with the representative to cancel my card, I received a text from Chime showing another unauthorized purchase was made in XXXX, Wa, in the amount of {$2000.00}. XXXX. I informed the representative that another purchase was made. He proceeds to cancel the card. He explains that I can't submit a dispute on these funds until the amounts settle on my account. He suggests I contact the merchant to see if they can reverse the transaction. I contact the merchant, they were no help. Once the amounts settled, I filed a dispute with Chime for these unauthorized transactions. They initially denied my claim, citing, " card in account holder 's possession ''. I submitted proof of my XXXX, Ca location at time of fraudulent purchases. I've submitted proof of purchases made in my XXXX, Ca neighborhood that were made minutes after the first unauthorized transaction, and minutes before the second unauthorized transaction. I believed they would see my actual purchase and conclude that if I have possession of my card, there's no way my card could be present in another state at the same time.They have denied my claim several times and I have appealed each denial. I've been going back and forth with them for six months now. I've submitted police report, I've submitted my location, I've submitted proof of purchases made in my California neighborhood in between the two fraudulent transactions, I've submitted my account transactions which show I have never made a purchase to this merchant nor in the state of Washington. This last denial, they submitted the purchase from the merchant which shows " card was present and pin was used ''. The same is true of the purchase I made in between the fraudulent transactions. If the card is present for both transactions and there is only one card, why are they not concluding this as fraud? This loss has caused financial turmoil in my life. I need this matter resolved.
04/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • KY
  • 40219
Web
On Wednesday XX/XX/XXXX I XXXX XXXX XXXX sent {$5000.00} From my Chime account to my girlfriends Account via her phone number. The reason XXXXXXXX XXXX is listed instead of chime is because thats who their insured by. On Chimes website there is a FAQ that gives instructions on how to send money to family and friends and I followed those instructions step by step. My girlfriend doesnt have a account with chime and on step 3 on chimes website it states you can send money by typing in the receivers phone number which is what I done. When I typed in my girlfriends number to send the money a pop up comes up and says send {$5000.00} to XXXX and I clicked yes. Once the money was sent and my girlfriend didnt receive the funds I looked in my transaction and I see the money was sent to someone by the name of XXXX XXXX Someone I dont know. My girlfriend has Had that number on her sisters XXXXXXXX phone plan and that number has been active since XXXX of this year Of which I have proof of. I did everything the instructions told me to do on chimes website but my money was still sent to the wrong person. When I typed in my girlfriends number on the chime website the name XXXX didnt show up or I wouldnt have sent the money. His name showed up on my transaction after the money was sent. XXXX the individual who got my money must of had a account set up with The same phone number my girlfriend now has so instead on her getting the money he got it. When I contacted chime they stated there was nothing they could do and they wouldnt be sending me my money back. I didnt do anything incorrect, in fact I followed every step the website told me too and my money was transferred to the incorrect account even though I sent the money to my girlfriends phone number that is active. Please help with this issue. Im uploading a few files to show what happened when I sent the money. Last night XXXX/XXXX/23 I sent the same number a {$0.00} to show exactly what happened when I unwillingly sent {$5000.00} to the wrong person without knowing. Im also uploading a file to show my girlfriends number is active under her sisters account ( XXXX XXXX ) and not under a XXXX.
03/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CT
  • 06106
Web
On XXXX XXXX 2023, I received a text message saying that the phone number on my account was changed to a different number. I also received an email. I tried logging into my Chime account but the app wouldn't let me, neither would the online website. I then called Chime and after waiting for about 25mins, I was able to talk to someone about changing the number back to my real phone number and accessing my account. When I finally accessed my account, I found out that someone had taking all the money out of my account, and left me with just pennies. They had taken {$2400.00}. They had transferred the {$2200.00} out of my savings account, added it to the money in my checking and then send the money to a name that I had never heard of. I asked the representative how this was possible. I made it clear to them that I didn't authorize the charge, I didn't know the person, and I didn't even know how it was possible that the person was able to take all my money in minutes. I pointed out to the representative that for as long as I have had my account, I had never sent money to a single person. I used my account to get my direct deposit from my job ( XXXX ) From there, all my funds are distributed to three other external accounts ; XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX. Those are other corporations, not singular people, and it has been that way for as long as I can remember. From my experience, distributing the funds as described above usually took about 1 to 2 business days to processs, so I definitely couldn't understand how or why this person was able to take my money in minutes. I asked that since they had the persons Username and information, why couldn't they just freeze the transaction, and they said they had no authority to do that, which left me even more confused. They have the account the money was sent too and they couldn't do anything? not even report the person so the person couldn't keep doing this? After being transferred about two times, they opened a case. I am still waiting for my money to be refunded. I am also waiting to understand why it was so easy for someone to access my account and take all my money.
11/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OH
  • 44134
Web
This complaint is against Chime Bank and their Deceased member review department. My son, XXXX XXXX, passed away on XX/XX/XXXX and I am the executor to his estate. He did not have a will but I am his mother, XXXX XXXX. His wife, XXXX XXXX is also executor. She and I have both attempted to retrieve the {$4000.00} or possibly more remaining in his account. We began this process on XX/XX/XXXX. XXXX contacted Chime via phone and they told her they could not release the funds until the funeral expenses have been paid. I know a little about banking because I worked for one in the past and I know that they can not legally withhold funds due to an unpaid expense owed by the decedents estate. Because his death was very traumatizing, it has taken some time to get in touch with Chime again. Therefore, I began requesting these funds be transferred to my chime account asap as he left behind XXXX boys for his wife and I to raise. I began this process on XX/XX/XXXX. Each time I inquired, it was expected that I send copies of some personal documents to them to prove his death and my relationship to him. Because my ID is expired, they requested copies of my birth certificate and social security card along with his death certificate. They did not indicate a format to send them in so I used XXXX. They responded that was the wrong format and to resend the documents so I did in a different format. This went on sone and is still an issue. Finally I was asked to provide photos as that is tge only acceptable document. So I took pictures and attached them to the email. A response was that tge photos needed to show each document edge to edge with nothing g else showing in the photo. So I did that ( which was very difficult ) by cropping the picture and they look perfect to me. Since I did that on XX/XX/XXXX, I have no longer gotten any responses and have inquired several times for a status. Today, XX/XX/XXXX, I resubmitted the photos and requested a status. They also closed XXXX account without executor permission. I have screenshots of all the emails if needed. Please assist me in resolving this issue in any way you can. Sincerely XXXX XXXX
03/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • CA
  • 90731
Web
On XXXX XXXX, XXXX, while checking my email, I noticed that I received an email from Chime that a purchase was denied at XXXX. I then checked my account through the app on my phone and noticed several transactions that I didn't do or authorize anyone to do. I promptly called Chime and notified them of the fraudulent activity on my account. The rep asked me some questions and said he would start an investigation. In the meantime, I called all of the merchants who all said they had security videos of the transactions. I filed a police report, then went home to wait for Chime to get back to me. When they did, they stated they were denying my claims because the stores the person or persons went to, I also went to often, like XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX stores. Well, I went to XXXX XXXX and asked for a copy of the receipt and I noticed the person used their phone number to get the discounts for some of the purchases and on the copy of the receipt they gave me had a phone number and the name XXXX XXXX. So that is the person who had used my card without my permission. Chime is still denying me the return of my money. I don't give my cards to anyone or authorize anyone to use my cards or make transactions. Also, Chime is falsely saying they were debit purchases and they weren't. They were all credit purchases which don't require a pin number. They also stated I had put deposits in the account saying I anticipated the money. However, the deposits were for 3 accounts that get auto debited from my account, which all bounced. There were 7 transactions in total. 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$14.00}. 2. XXXX XXXX XXXX on XX/XX/XXXX for {$36.00}. 3. XXXX on XX/XX/XXXX for {$140.00}. 4. XXXX XXXX on XX/XX/XXXX for {$21.00}. 5 and 6. XXXX twice on XX/XX/XXXX for {$13.00} and {$5.00}. 7. on XX/XX/XXXX for {$35.00}. Not to mention the 3 auto debit accounts which bounced and was charged {$29.00} for each one. I have more documents but I have to go through my emails and can provide them at a later date when I have all of the paperwork together. I'm still waiting to see actual proof that i made the transactions.
10/01/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • WA
  • 983XX
Web
On the XXXX A couple of hours prior to my paycheck deposited I received notice from Chime services, the bank I bank with online, saying that they closed my accounts for not being in compliance. They sent me a link to look at all the compliance rules and regulations and the only one I can think that it would be referring to is a secure credit card that I opened up maybe a year after my checking account. Basically about six months ago I ordered all new cards. A secured credit card and my debit card and none of them came in the mail. After contacting them and telling them it never came where is it and then moving out of my unit I finally got someone to look deeper into it and she said the order never went completely through and I would have to wait another week. I updated my information with them prior to moving but about a week later when my debit card did come it was only my debit card and not my secure the secured credit card was never reissued. So because I never got it I stopped having my paychecks put on a card I didnt have in my hand. Mostly whats really frustrating with this situation is that now that Im no longer considered a chime customer I am unable to speak to anybody in regards to any of this. I had called the customer service number and it says they found my account under my phone number and its close and I can send them an email and I only get back a computer generated response. And all that says is it close my account compliance with my secured credit card I dont that I never received it and thats all it says sorry for this inconvenience. They have my entire week of pay and this computer generated message says they have up to XXXX turn my money I cant go that long without my paycheck my rents due and now Ill get late fees at XXXX a day till I pay it.. I dont understand how they can all three of my accounts are not using my secure credit card this is messed up so much right now I cant even put it into words. I feel robbed and They should be required to consider all customers to still be a customers even after an account is closed for at least 30 days so theyre can be communication. Specially when money is involved
12/10/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33147
Web
Ok hey im XXXX XXXX. I bank with Chime mobile banking. So on Tuesday XXXX the XXXXXXXX XXXX as I was leaving XXXX XXXX XXXX in XXXX XXXX I received a text from Chime that said my chime number and email on my account had just been changed. I didnt do it as I was driving and I was confused. I got a bit worried and pulled over. So then I tried to login and check my Chime account. It said I cant login as I said earlier the email and number on my account had been changed. At that moment I realized someone had to have gained access to my chime account. I then proceeded to call Chime member services to report what had happened. Eventually an agent verified to me that my savings had just been transferred to my checking and then drained. I couldnt see it becasue I still had no access to my account. I then told him that was not me and I never authorized any money transfer as I dont even have access to my account at the moment. I then proceeded to open a dispute with chime for the unauthorized transaction. They said an investigation would commence and to send them what ever info I had at the moment. I did. Then I proceeded to try and get back access to my account as I was getting a direct deposit from my job in 2 days and I needed to be able to show the police the fraudulent money transfer to make a police report. I managed to gain access to my account again after being on the phone and verifying my info with a agent that same day at night XX/XX/XXXX between XXXX. I logged in and saw my savings was gone. {$3200.00} was transferred from my savings to my checking which made it {$3300.00} then it was transferred to another account as a pay anyone transfer. I was beyond stressed and obviously upset. I planned on going to the police station the next day and I did. As I got my police report and went home to show chime I was met with an email that the dispute has already been denied already in 1 day. Before I even showed them my police report. Clearly and investigation wasnt done. I was livid and told them to open it back up and to do a proper investigation and then uploaded to my report. I haven't gotten any resolution yet. I need some help.
06/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30263
Web
I am currently banking with chime. I started to see funds that I did not authorize being taken out of my account on XX/XX/2022 through third party accounts such as XXXX and XXXX ( which I have personally shopped with ) and online retailers that I have not shopped with before. I never received my physical debit card with this bank and only relied on the one you can view in the app. I reached out to XXXX which I instantly noticed reoccurring payments being placed and was advised via phone to allow the transactions to go through then settle it with my bank as it could possibly affect my good standing account with them while it get sorted out. XXXX is a company that allows you to buy items and pay for them every 2 weeks until it's fully paid off by 2 months. During this time, I was experiencing personal issues with harassment from work and a death of a friend which hindered my ability to fully monitor what was happening. Ultimately, I had {$970.00} of unauthorized transactions with my chime checking and {$45.00} on my chime credit to be missed. I reached out to chime. I explained to them that I never received my physical debit card but, I did have my credit card physically on me in my phone casing at all times. They did a dispute, gave me a credit of {$45.00} for my chime credit within a day and denied my debit unauthorized charges twice even with the limited proof I showed them in regards to reaching out to my store manager and store lead to possibly pull up cameras as that the only place I go to aside from work. It took them 8 days to give me documentation on why they denied my claim which I had to update them on after not hearing from them after 7 days. In the documents, they stated that the charges was reoccurring which XXXX is a reoccurring charge and also that I said my checking debit card was stolen which I never said. I stated it was never received. They also stated that my chime was attached to these companies database and looked similar to my authorized transactions which don't make any sense given that card information is indeed normally stored to sites like XXXX and XXXX. They did not uphold to regulation E as well.
12/14/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 90405
Web
My friend sent money via Chime pay friends feature. {$1900.00} intended for me. He was asked to enter in reciepient email. He correctly entered mine in. My name shows up, it's the only one that shows up. He clicked it sent the money. Notified me. It is supposed to be instantaneous and didn't come. After an hour we both contacted chime individually and came to the conclusion we need to contact them together. On a three-way phone call we contacted chime and told them what had happened. They were trying to tell him that he made mistake picking a different person but he put my email address in and only my name first and last showed up as the option to send to. There's no other person on that app that has my email address associated with their account. This was verified by chime. There is an error somewhere in there programming that sent it to a different person with my name. We made a request to that person to send back the money. But that's unlikely and that's the help that chime offered to us at this point. They said they would escalate the issue but since they're not a bank, stay there financial transferring app yet have Bank savings and spending accounts and can do credit reporting. But remove themselves from all liability with any issue that happens within the app. They don't have any way to transfer the money back or request it back or force it back to the sender so I can rightfully get my money. It seems this is a common problem with chime where they are taking money or they don't ever fix errors especially ones on their part. Such as in this case. I feel really frustrated I need the money and I feel lost in the situation. The money went to a username $ XXXX. Beginning to a XXXX XXXX I am a different username, but those usernames don't show up as the option to choose from when picking the recipient. It was my email address that automatically popped up my full name. My name showed up I'm XXXX XXXX XXXX has no other XXXX XXXX in his contacts on the phone or friend groups on chime. It's on time to fix this error but they won't. XXXX from his phone of the account that he sent it to as it stated my full name and the amount.
06/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • GA
  • 30720
Web
Hello! I wanted to file a complaint against Chime bank. I understand theyre not a bank but my money was stored there. Ive been a customer for about almost two years, I never had an issue till XX/XX/XXXX. At XXXXXXXX XXXX all my savings was transferred to my checkings account. I see that my card was being used in XXXX XXXX Fl XXXX XXXX store XXXX. My card was used there three times. The first transaction was {$210.00} at XXXX the second one was {$210.00} at XXXX and the third one was {$200.00} XXXX. They proceeded to use my card at XXXX XXXX in XXXX XXXX Florida XXXXXXXX XXXX XXXX for the amount of {$1.00} XXXXXXXX XXXX They still continued to make purchases, my card used at XXXX after the XXXX XXXX for the amount of {$3.00} at XXXX, second time for {$1.00} at XXXXXXXX XXXX and third time for the amount of {$11.00} at XXXXXXXX XXXX That was the third time they used it at XXXX. They at last they used my card on the mobile app XXXX XXXX XXXX, the amount used was {$20.00} at XXXX. I never made any of these purchases. I live in a different state.I dont have family in Florida where the transactions were made, nor anybody that has access to my card and bank information. I never go into store multiple times making these type of transactions! My money was being used by someone that was unauthorized. I see that my claim was denied but Im not going to give up. This money was worked with a lot of hard work and sweat. I need every cent of it back! I never had a problem banking with chime but this will be the last time I do. I filed a dispute with Chime and they did their investigation I received an email saying my claim was closed on XX/XX/XXXX at XXXX. They told me no error was occurred therefore no funds will be credited to your account and this claim is considered closed. I feel like they are doing nothing to help me recover my funds I made a call today and they said they will send me my documents that they used during this investigation. I recommend everybody to save themselves some time and choose wisely on who to bank with. Below I attached the screenshots of where the purchases were being made and the amount with the time.
11/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30328
Web
I paid {$3700.00} dollars in exchange for an educational bootcamp. Upon entering said bootcamp I found no resources and plagiarized content which I couldn't use, leaving advertised services un-rendered. After coming to that realization, I then asked for a withdrawal from the program with a refund. I was then met with hostility and was told that I should promote said services even though I didn't receive them, and that not helping was the equivalent of calling her a " XXXX ''. As one would an assume, an uproar followed, questioning her on the response and logic behind it. She then deleted all communication channels in the discord, and called me personally to dis-enroll to which I agreed contingent only on my refund to which she agreed. I was then notified with a fake receipt and invoice number. I then contacted the assumed billing department by the name of stripe billing. They explained to me that the information provided did not exist in their system. I then contacted the merchant back asking for the proper information to track said refund. the merchant falsified resources and accreditation on all levels. I have not been notified or updated in any way since this request. I am XXXX of XXXX of people who are now victims of fraud. This is being reported with the intention of further legal action. She has done this to hundreds of us and is now sending cease and desist threats that are poorly written to attempt to scare students into silence. There are articles on this as well as recorded spaces XXXX videos. I then submitted a XXXX disputes, XXXX being # XXXX and the other being XXXX to Chime XXXX XXXX ), XXXX was on my chime credit card and the other was on my debit card and within less than XXXX hours both disputes had been denied stating how no billing error occurred, not only is this not relevant its also inaccurate, this is a FRAUD claim and there is absolutely no way due diligence or proper review was done in less than XXXX hours. I sent ample amounts of proof. Documents, articles, and screenshots, there is no way this should've been denied. This is obviously a ploy to keep people from retrieving DESERVED compensation.
01/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • TX
  • 770XX
Web
On Tuesday, XX/XX/XXXX, I received a text stating that my Chime card had been delivered and was in a green envelope ( NOTE : I never received this card or requested it ). I immediately contacted Chime customer service to report that I'd never requested a Chime account ; after repeated attempts via telephone, and no directions on their IVR prompt to either XXXX speak to a representative ; and/or ; XXXX report suspected fraud ( there is no IVR prompt to report fraud ), I did some research to see if they have an online portal or dedicated fraud phone line to report such incidents- of note, I was unable to locate any way to report this issue. Thus, as directed by their IVR, I sent an email to XXXX ( which allegedly offers XXXX support ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After no response, I went on XXXX to determine who is their Compliance Officer and was able to identify an XXXX XXXX ; I provided the following information ( on Thursday, XX/XX/XXXX ) : " XXXX XXXX : I have sent three different communications to the XXXX email box reporting that I received a text that my Chime Debit card was delivered. I provided to them that I never applied for the card and that I needed confirmation that it had been deactivated/cancelled immediately - that was Tuesday morning and still no response. In addition, as a XXXX XXXX XXXX myself, I am pressed to understand why the toll-free line does not provide any human contact or even an electronic way to report fraud and have it addressed timely. And, no compliance contact either to escalate issues such as this when it occurs. I have multiple mechanisms which allow non-compliance, or potential fraud ( which I also own within my organization ) or privacy incidents which may need to be addressed. I would appreciate your support here in assisting me with addressing this matter. I am concerned that perhaps someone has received a card, may use it for nefarious reasons and/or if they have also somehow now gotten my bank account information. Please let me know. '' I'd appreciate the agency please looking into this for me as I fear I've been compromised and they are not responding. Thank you.
02/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • AZ
  • 85298
Web
My XXXX y.o. son has at least one CHIME account with a debit and a visa card. He passed away on XX/XX/2023. He was not married nor does he have a wife or dependents. I have his wallet, CHIME cards, death certificate and critical information and reached out to Chime via customer service # XXXX ( on XX/XX/ ). After 15 minutes trying to navigate their IVR with no success to get a human, I leveraged an email on their IVR to send an email for support assistance. I need to close his account and speak with someone to determine what to do next given he has $ XXXX plus in deposits. He was a XXXX veteran and received a XXXX check of which some may need to be returned to the VA with the rest of funds intended to pay debts/put towards funeral costs incurred. I sent an email to XXXX per IVR recording. I included details including name, date of death, last 4 of sin, last 4 of card # 's and a request to get help to process details. 5 minute later, received an automated response to log on to site and change info which I can not do since I don't have access and he is no longer alive. I called back to the XXXX for Chime and after pushing countless buttons, was finally able to get to a customer service rep ( XXXX ) who told me they could not pull account up ( in XXXX ) and to send email to maintenance team at XXXX with copy of license and death certificate. I asked to file a complaint, received a Supervisor ( XXXX ), tried to get him to document deceased sons account. He gave me a ticket # but said he would not document as against protocol. He instructed me to send an email to Chimes email address to which I already did. I sent a second email with Drivers License and death certificate and an hour later, received the same exact canned response. My son is dead and I need Chime to help get things resolved ( close account and help with steps needed to release funds so we can settle with the VA and other entities as needed ). He did not have a will. I am in a horrible loop that I can not navigate. Please help. I did not attach an email given this says to not attach personal information. Please advise if you need details and where to send.
10/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NJ
  • 085XX
Web
On or about XXXX XXXX, 2022, Chime unilaterally closed my checking account without any prior notice or warning to me. I only learned of the closure when I tried to log in to my Chime account and saw a pop-up message that my account was closed and to contact Chime. I received no prior notice from Chime about the account closure. I also never received any communication from Chime that there was any issue with my account or that I need to verify/confirm anything. I had {$700.00} in the account when it was unilaterally closed by Chime. Upon learning of the closure, I immediately emailed Chime to confirm what happened ( the email is attached ). Chime responded that they could not tell me why my checking account was closed and that I am " not eligible for refund '' of my own money. Chime did not provide any reason and instead referred me to " review the section titled XXXX and XXXX in the Chime XXXX Account XXXX : https : //www.chime.com/policies/. '' The policy that Chime cites actually provides that Chime is to return any remaining balance in the account within 14 days of closure. Even without this clause in the agreement, I am confident it is illegal to withhold and not return customer 's money. I did not do anything wrong or illegal to justify the closure and withholding of my hard-earned money. Again, Chime did not ask me to provide any documents or verifications and did not alert me that there was something wrong with my account. Upon learning of the account closure, I searched online and saw that Chime has been in the news for closing accounts and refusing to return customer 's money, and I am among thousands of affected consumers. I also searched the CFPB database and saw that thousands of consumers filed complaints similar to mine. Chime violated my trust and I no longer want to have any business with this institution. I only want my hard-earned money back. I am asking you to kindly assist me in getting my money ( {$700.00} ) back I had in my checking account with Chime. I am also asking you to investigate Chime 's pattern of closing customers ' accounts and retaining customers ' money. Thank you.
11/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60153
Web
On XX/XX/XXXX Chime Financial, received my tax refund ( {$32000.00} ) that I have literally been waiting for 2 years due to delays and a typo I finally got a tax advocate who assisted me in filing an AMENDMENT XXXX which the irs received on XX/XX/XXXX and issued my refund for an original deposit date of XX/XX/XXXX which Chime revd earlier. I try to use my card and its locked I try to log into the app, but it says to contact review @ Chime. I instantly call them and soon as I get home send them everything from my ID front and back social security card, utility bill for proof of address, my XXXX form and my entire IRS TRANSCRIPTS ( why ask for my transcripts if youre going to XXXX and not READ THEM ) that list when the original return was filed and the amended return as well as the REFUND ISSUE DATE and INTEREST payment which XXXX be credited on XX/XX/XXXX into this same account as well soon!!! The REVIEW TEAM that only responds via email keeps asking me for a XXXX XXXX completed form that doesnt APPLY TO THIS DEPOSIT because I FILED AN AMENDED RETURN which is a XXXX on my XXXX Taxes!!!! Its bad enough Ive had to wait XXXX long years for my money and now they are causing even more of a delay to my XXXX XXXX especially at a time when Im pretty much homeless and dealing with a XXXX child. I need my account off hold IMMEDIATELY. IVE BEEN USING CHIME FOR MY TAX REFUND FOR 15 years now and never had a problem until now and what I dont understand is the XXXX IRS XXXX XXXX comes with my SOCIAL SECURITY # attached to it so please explain where the discrepancy is!!! These ppl have everything they need to clear HOLDS off my account but the lack in COMPETENCY AND LIMITED COMMUNICATION MAKES ME REALIZE AFTER THIS I NO LONGER WANT TO DO ANY BUSINESS WITH THIS ONLINE BANK! XXXX XXXX to using XXXX XXXX and XXXX XXXX ; chime was only used for the convenience of EARLY DEPOSIT not because I couldnt bank elsewhere. Now its the XXXX day for a XXXX bank & XXXX XXXX tickets open said it only takes XXXX to review & STILL NO ACCESS to my funds!!!! The redundant and incompetence of such a company dealing with my money is purely disgusting...
11/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NM
  • 88030
Web
Hello, this complaint is against Chime. My transactions were XXXX XXXX {$50.00} XXXX XXXX {$65.00} XXXX XXXX {$70.00} XXXX XXXX {$90.00} XXXX XXXX {$100.00} XXXX XXXX {$50.00} XXXX XXXX {$8.00} XXXX XXXX {$100.00} XX/XX/2022 {$80.00} These transactions were made to XXXX XXXX and XXXX XXXX. XXXX XXXX was the event Planner for my XXXX XXXXXXXX. I signed a contract that would be effective XXXX, XXXX. Where it states that her and her team would be coming and decorating my daughters party. The only thing I received from her was invitations that she charged {$400.00} when they were {$340.00} she came to my house I have witnesses where she got paid cash for them. XXXX received {$180.00} from me. I got a call on XX/XX/XXXX from XXXX XXXX from XXXX XXXX phone saying she wasnt going to be able to do my daughter party due to an XXXX I told him I was sorry not to worry. I let day go on and ask for my money from every single account including XXXX XXXX thats {$150.00} dollars she owes me from there as well. XXXX got upset and I have messages and recording where he told me he was sorry but he had nothing to do with anything but that he would try and see where my stuff was at. He then said he couldnt do anything. I asked for my money he got upset. I said theres a contract that states she would have a team regardless if anything happened to her. He said everyone is worried for her. I said I understand but I dont want to take this to court he then said he had no access to the accounts. Yet somehow he knew I was asking for the money back.. I started the disputes with CHIME and all of them were denied the disputes started since XX/XX/XXXX I have tried about more than 10 times to through e mails and calls to tell them to please help me get my money back. Today was the last call and e mail. I sent all the information to them but they just keep closing the dispute. They allowed me to get scammed. Like I said I only received the invitations and they were paid cash. I explained everything in detail to CHIME sent pictures audios but they dont care and dont help Im very upset. How many more people are they going to allow this to happen to.
09/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • PA
  • 16510
Web
Chime issued me a virtual card without my knowledge that i did not consent to a new card and they locked me out of my cash iin savings, io disputed all charges i incurred while at work or the store was closed..XXXX listed as merchant no claims they are not the merchnat and repeatedly charged my card for ridicuous quantities of items bank statements dates, amounts just dont match anything in my XXXX or XXXX history and several purchases made in one visit at XXXX,, I have XXXX.. I mow my lawn that is it. And i was at work to boot, I can document the time and date. This has been dragged out since XX/XX/XXXX when i never received {$77.00} worth of seeds.. and no tracking number for proof of delivery. and then it was none stop and i lost my son and my husband was diagnosed with XXXX and I had paid no attention to my accts because i did not access them or need to access the accts and i had no reason to check.. but some {$1800.00} is gone with nothing to show for it,, and the XXXX rreceipts get emailed and a hard copy if I even set foot in a XXXX.Chime is telling me i have no proof of purchase.. and that is exactly right! Nor do I have a tracking number to verify the delivery. I am addresseed in emails as XXXX,, that is not my name of nicknmae.and chime permitted my husband access to my account by verifying my dob and last 4 of my social and we have not in 24 years of marriage ever shared or had a Joint Account. So somebody else has my infoand linked unknown newky isssed virtual card to my chime app,, and again unknown attempts are being made.. i have XXXX cents in the account! nobody will provide me with one single tracking number but XXXX did offer to send me a dress... ..no clue!! I dont do commerce on the Sabbath.. and I start work at XXXX XXXX XXXX,, i work form home... I would not be at XXXX making several transactions at XXXX XXXX... .or sevral transaction... I owuld make one transactionone time,, and i dont shop ay XXXX... I shop at XXXX they have ignored my requests for over a year now and they keep replace debit cards without consent and are interferring with mu financials as if i granted poa to all of them-
08/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • NJ
  • 080XX
Web
I ordered groceries for delivery from XXXX on Sunday 4 days ago using my chime credit builder account XXXX processed the payment at XXXX and then wasn't able to deliver my groceries due to being short staffed so at XXXX the same day they notified chime that the purchase was canceled and authorized them to lift the hold on my funds. Chimes policy is a refund can take up to 7 - 10 days depending on the merchant but once the merchant processes it from their end it only takes 1-3 days for the money to go back into your account. XXXX processed it on Sunday it's now been 4 days and still no refund. Chime is telling me that they can see XXXX advised them on Sunday that the order was canceled but because it is still processing on their end they must wait for the transaction to be settled before they even begin their refund process. My issue is that XXXX didn't actually submit for a " refund '' XXXX says they submitted information that the order was canceled and authorized chime to LIFT THE HOLD on my money. Everyone I spoke to at chime agrees they can see what XXXX submitted and have confirmed it was recieved on Sunday but they still have to wait for the transaction to settle to begin the refund process ... XXXX gave them permission to lift the hold once chime recievrd that information the " transaction process '' should have been stopped it should no longer be a pending transaction so they could begin the refund process now they are telling me that it won't settle for 7 business days so that will be Tuesday then it could take another 7 days for me to get my money. Not to mention this is a credit builder account that works like a secured credit card I have to load or transfer enough money to cover my purchase and then chime transfers those funds into a secured account until the billing date at which time they use my money to pay off the balance for that month so XXXX essentially was paid as " credit '' and chime has my money sitting in a secured account and can see XXXX come firms I do not owe them this money I don't feel I should have to wait all this time to get my grocery money back and be able to buy food for my house
06/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 130XX
Web
On XX/XX/XXXX at XXXX pm, I received a notification from Chime via text asking me if I tried to use my chime card for Apple.Com/Bill for {$99.00}. Within XXXX minute I responded " no '' and per the response message, the transaction was blocked. I reviewed my account right away and within a XXXX window, there were ( XXXX ) {$99.00} charges to XXXX and ( 2 ) {$19.00} charges to XXXX totaling {$930.00}. I immediately contacted Chime Support @ XXXX ( XXXX pm call was XXXX minutes ) and was advised that this was indeed suspicious and directed to call back as soon as the charges were no longer pending we would file a dispute. On XX/XX/XXXX @ XXXX am I contacted Chime at XXXX ( call duration XXXX minutes ) to formally dispute the charges. I was advised that the review process could take up to 90 days, but that should this take more than 10 days I will receive a credit for the amount being disputed. ( Regulation E. ) Dispute Number XXXX - within XXXX hours ( XXXX pm ) I received an email from Chime stating that the final determination regarding my claim has been denied, based on their investigation no error occurred and that no funds will be credited back to my account. I contacted Chime again and was advised to upload screenshots of the text I received from them asking if I made the charges to XXXX on XX/XX/XXXX along with screenshots of my XXXX Bill. This was sent via email to Chime Support @ XXXX pm. I called back to customer support and confirmed that this was received and the review process was being started. I requested any and all documentation that they used in this determination to be forwarded and received a generic email back stating that I will receive this within 10 business days. At XXXX am this morning ( XX/XX/XXXX ) I received an email from Chime stating that my request to reopen my claim has been declined due to not providing them with any additional information. I originally forwarded exactly what I was told to send and then followed up and called to confirm they had received this. This needs to be reviewed properly and there is no other determination other than Fraud as I did not make these charges.
07/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • OH
  • 43232
Web
On XX/XX/XXXX I was sent an email from Chime bank stating that they closed my account due to fraudulent activity. They gave me a list of information that they needed in order to open the account back up. When I called to ask why did they close my account, I was told that I needed to turn in that information and that the account cant be opened up without it. They wouldnt even answer my question. They close my account over a refund that I received from a finance company called XXXX where I finance a mattress from a company called XXXX. Between XXXX and XXXX I got all of the information they asked for and Chime still will not open my account. Also what they need to open the account keeps changing with each email that I send in proof. So they basically want proof that I was the intended recipient of {$1600.00} from XXXX ( thats the name that shows up as their merchant ) and why did they give me that amount of money and the Original receipt. So I ended up returning the mattress I financed back to XXXX and XXXX refunded me {$1700.00} to my account. That included the fees I paid and the interest I paid to XXXX. But Chime wants proof of only {$1.00} for some reason from XXXX. I told them if they look at my transactions that they would see that I had automatic payments set up with XXXX to take {$82.00} every two weeks since last XX/XX/XXXX. And when I returned the mattress in XX/XX/XXXX they Reversed all the payments made to them back to my account on XX/XX/XXXX. Ive had XXXX send them an email, they also sent me an email with all the information they asked for along with me sending receipts and the original receipt from XXXX. They are now saying they need A receipt for each reversed payment that they put in my account which was the total of 33 transactions. And that wasnt something they asked for in the beginning. I again told them to look in my transaction history so they can see those payments coming out my account and all they did was reverse them. The company has explained to them that I was to have received {$1700.00} for the refund and return of the mattress I brought from them and they still wont open my account.
11/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AL
  • 361XX
Web
Chime Dispute Number : XXXX XXXX ATM Case Number : Case XXXX On Wednesday XXXX, XXXX at XXXX I utilized the company XXXXXXXX ATM inside of my local XXXX located on XXXX XXXX XXXX XXXX XXXX . The machine didnt dispense any of {$140.00} nor gave me a receipt. I checked my chime account and I was still debited for the {$140.00}. I notified the XXXX employee and she just put a " out of order '' sign up on the machine and instructed me to call the the XXXX number on the back of the ATM. Well I did just that and was told I would have to file a dispute with my bank. Well on XXXX, I phoned my bank ( Chime ) and filed a dispute and the same day they denied it without even really investigating it. I then reached out on the XX/XX/XXXX to see why I was denied and they emailed me a letter of them saying why and decided to reopened the claim. Well now I was told I was eligible 100 % for the provisional credit since I have emailed and uploaded proof to XXXX. The date I was given was XXXX and the day has came and went. Now when I call chime and ask about why I havent receive it ; they just read to me " word to word '' about the rebuttal states that I should receive it on XX/XX/XXXX and their still investigating. Well their policy states ( which can be found on company website ) that if the investigating lasts more than 10 days they would issue this provisional credit ; in all honestly, its been more than 20 days and I still havent been issued a refund for my money I never received out of the ATM. Im just getting employees who are employed by chime to keep reading me rebuttals and a typical generic resolution call flow off a computer screen and not getting any real updates about my investigation. At this point, im willing to get a sheriff out to the store to retrieve footage because XXXX ATM merchant has not been out to the ATM to service it since I reported the fraudulent activity nor have been out to check to see if theirs extra money in the tray that I debited from their ATM. I need help and Im willing to bring in legal help in on this case if it isnt resolved before the New Year. Thank You for future reference for helping.
03/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • UT
  • 84015
Web
I just want to let you guys know that I have never been so upset, let down, and defeated more than I do today. This is the 3rd time Chime has denied my claim for the money that was stolen out of my account on XXXX, XXXX at XXXX XXXX in the morning. I have been nothing but a loyal customer of their 's for YEARS AND YEARS. Spoke great things about them to my family and friends. Even got people to sign up for Chime. And the fact that I can't even trust MY bank to have MY back on a fraudulent charge is crazy. Over {$2000.00} dollars was stolen out of my account on XX/XX/XXXX at XXXX XXXX in the morning. I was on the phone with a Chime representative who was helping me gain access of my account back while the hacker was still in control of everything. I was a victim of theft and the bank who I've read and have been told is FDIC insured won't help me. I am a single mother who doesn't make a lot of money. I was suppose to pay rent with that {$2000.00}. Chime gets their money back regardless and I'm just stuck trying to scrounge for every single last dime so me and my daughter don't end up homeless. It wasn't my fault that this money was stolen. And I understand it wasn't Chimes fault either. But I've put 3 different claims in to dispute this transaction. I have filed a police report, like they asked.. with my local police department. AGAIN.. they denied my claim. So this makes 4 denials. Have waited over a month. Hoped and prayed that I would get help from my bank and I would see this money back. Only to be told " no '' every single time. I'm heart broken. And what makes it worse, is that I see Chime just handing out money all over social media. Which is awesome marketing for them, I know. But why not help out one of your members that really needs it? That has been struggling and fighting with their dispute team for over a month? I just get shot down every single time. It's so sad. I worked hard for that money that got stolen from me. And now I understand that you guys really don't care about your members. I used to have so much respect for Chime. Now I'm going to close my account and report Chime to the CFPB
01/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 766XX
Web Older American, Servicemember
I had never used a cash app except for XXXX before until XXXX XXXX, 2021 when my son asked me to open a Chime account so he could send me {$500.00} for his final car payment on a vehicle he had purchased from my husband and I. I created my Chime account and he transferred to {$500.00}. The next day I checked the account and the balance showed {$500.00} as expected. I tried to link the card to my XXXXXXXX XXXX account and my XXXX XXXX XXXX XXXX account as Chime stated was possible in order to transfer the funds but neither bank would link to the Chime card. Since I planned to use the {$500.00} after XXXX at the XXXX store along with XXXX gift cards my husband and I have received I decided to just leave the {$500.00} on the card and take it to use at the XXXX store. Once the actual debit card came in the mail I activated it in the Chime app as instructed and set up a PIN. I also checked the balance and it was still {$500.00}. On XXXX XXXX my husband & I drove XXXX miles to the XXXX store at the Domain in XXXX, TX which is the closest one to where we live in XXXX, TX. When we tried to purchase the items the Chime card was declined! I was mortified! While my husband tried several attempts at different amounts ( all failing ) while I contacted XXXX where I was told they were having problems and I would need to wait till the next day! The next day I went to and ATM to withdraw cash and the card was declined again. I called XXXX and was told I had already called and there was nothing else they could do. I just needed to keep trying from time to time until the card worked! After a couple more attempts and being declined I emailed XXXX and got a response that thanked me for my feedback and apologized that the weather in XXXX XXXX had been too bad for them to send the money! They are barely even making an excuse as to why they are holding my money hostage! They have virtually stolen my money! They have made no offer of a new card or a check or re-booting the ATM or I don't know but I don't have any faith in the company ever doing the right thing without stern encouragement from someone in authority! Please help!
07/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • UT
  • 84096
Web
I have been a Chime account holder for over a year with no problems. I have been a huge fan and promoted this company to many. However, since my last direct deposit my account was suspended. After seeing it was it was suspented I went through my emails and found two emails from Chime in my spam folder. I promptly replied to those emails ( on Monday ). They asked for a copy of my ID front and back, and a utility bill. Just to be safe I sent them a picture of my SS card, a selfie with my ID/note, and in one my email replies I also sent an explanation of a few transactions ( inbound and outbound investment sells/purchases ) they had asked questions about. Those transactions were part of me diversifing investments. I sold some investments and rebought some new investments, pretty straight forward. I understand it takes time to review documents, but I have sent them EVERYTHING and more than they requested 7 days ago and currently have {$4000.00} of direct deposits from my employer stuck in the suspended account. At this point I am desperate to access my funds so I can pay bills. I have called Chime 10+ times and told I will get a response from the review team within 2 hours which has never happened. I don't know where else to go or what else to do, all of my information is accurate and matches my profile when I opened my account. Everything matches my ID, address, be and utility bill. MY FINDS ARE BEING HELD XXXX and I can't get a reply from the " right '' department that doesn't take phone calls. When I do call the reps that answer are nice, but they say they can't do anything. They verify that all of the info/Docs have been recieved and look good but they can't unlock the account only the other department can, and the only way to access them is through email. I have sent tons of emails to many departments with no replies Please provide me with access to my money via chime or a check to my address you have on file that matches my ID and utility bill. XXXX Chime... this is my money to pay my bills, you can just take it and not reply. This isn't fair and I don't know who else to turn to.
08/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MN
  • 55421
Web
On XX/XX/2023 my phone was stolen along with my Chime debit card on the city bus on my way home from working out at my college gym. An unauthorized transaction of {$2100.00} was made. I called support over the phone and reported the issue. Connected with an agent, and I was assured my card was canceled and that I should upload supporting documents now or while the investigation was happening. Needing my phone immediately I filed a device replacement ( over another phone since I couldn't log into my XXXX XXXX account due to two-factor authentication needing a code sent to my mobile number that was stolen ) through my phone company since I had a T-Mobile device protection plan. My claim was handled by XXXX, filed, and approved I paid a {$100.00} deduction. The next day XX/XX/2023 I received an email from Chime Dispute Team in writing stating 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. That same day I received the email decision charges on the same card they said they canceled authorized charges. Disagreeing with the decision to not refund the charge and also concerned with the activity of charges on cancelled card I contacted support and opened a rebuttal, support checked and found the card was indeed still active only then was it canceled and a new card was ordered. The investigation on the rebuttal came back XXXX days later sticking with the same decision. Finally receiving my phone in the mail and able to access XXXX I opened a third rebuttal on XX/XX/2023 and included the confirmation email and pdf letter from my phone replacement device claim with XXXX to the Chime Dispute Team. After a third review the same decision. I called support one last time and they said hang tight and look out in my email and mailbox essentially documentation in details on their decision. I received the email XX/XX/XXXX but no attached documentation ( I share screenshots of the email ) to go along with their decision nor physical mail in my mailbox as of today XX/XX/2023. I called support yesterday XXXX.
04/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NM
  • 88310
Web Servicemember
On XX/XX/2023 chime bank got a SSI payment in the amount of {$910.00} to my account prior to this I almost lost my life to a drunk driver I was XXXX XXXX XXXX in the hospital for over two weeks and then after that I was in the hospital for eight days before being released when I was released I found out that my wallet was missing in my phone with missing from the hospital I got a new phone a new phone number I contacted Chime bank and told them about my situation because I have no money in my account I ordered a new card put a temporary freeze on my card and disputed the transaction because I didnt have the {$910.00} in there I contacted XXXX they said I am under a XXXX fraud liability I told this to them I told him that I almost lost my life and that I need my credit right away if not I would be homeless in less than 10 days they contacted me and said they would have a resolution by XXXX XXXX which is way outside that mark I told them that I qualify for XXXX for liability and then I need my provisional credit right away I almost lost my life and they are not doing that and now me and my child are gon na be homeless they can issue visa said that they can issue my provisional credit right away because this is a top of an emergency situation XXXX XXXX XXXXAnd having a kid become homeless because they want to put an extra nail in the coffin and make me wait because I was a victim put in a report with identity theft.gov I did everything I was supposed to do but theyre not giving me my {$910.00} and when I disputed it they only did it for {$500.00} and not the whole XXXX I ordered new cards I need my money right away I told himI told him if you guys hold his money you guys will be held liable if I become homeless for damages that I suffer in between the XXXX XXXX said that Im under a XXXX fraud liability and that theres no investigation that needs to take place in order for me to get my provisional credit but now I only get paid once a month and they want me to wait for over a month for my pay I will get another Social Security check before they give me my provisional credit this is unacceptable
08/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AR
  • XXXXX
Web
XXXX XXXX XXXX XXXX first charged my account on XX/XX/2022, for {$200.00} ( unauthorized payment ), I contacted XXXX XXXX-Chime reported the issue and was granted a provisional credit on XX/XX/XXXX for {$200.00}. On XX/XX/2022, again for a second time XXXX XXXX XXXX XXXX utilized my stored debit card numbers to take {$200.00} ( unauthorized payment ), I again contacted XXXX XXXXChime. They suggested that I contact the merchant ( XXXX XXXX XXXX XXXX ), I did speak with the business Manager who confirmed that I wasn't in the system as a client receiving services. She continued to say XXXX XXXX XXXX XXXX had a new system for billing, she suggested that I contact Chime to see what Chime could do on its end because she stated, she couldn't see in her system where I was being billed. I spoke at length with the Chime representative about this matter and asked that they block or whatever needed to be done to keep this business from having access to my checking account. Again on XX/XX/2022, for a third time XXXX XXXX XXXX XXXX again utilized my stored debit card information and took {$200.00} ( unauthorized payment ). I reported the transaction as soon as it had cleared ( Monday XX/XX/2022 ). I received an email from XXXX Bank-Chime on XX/XX/2022, stating that my dispute of the charges was denied and that I needed to provide additional proof that this was fraud ( police report, Hospitalization/Incarceration Records Proof of Location ( such as time sheets, GPS, flight records, travel receipts, hotel booking information ). XXXX XXXXChime allowed this business access to my banking information/account to access funds when I really needed them, causing extreme financial problems for me. It wasn't until the third time that I reported this situtation involving the same company, that Chime sent me an email saying through investigation they had determined my account had been compromised and my card was cancelled and a new card sent out to me. XXXX XXXX then for retaliatory and unethical reasons refused to return my funds and put forth impossible hurdles for me to have my money returned to my account.
06/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 109XX
Web
On XX/XX/XXXX my chime account was hacked. I got a notification saying my phone number was changed. Then got another notification saying that my email was changed too. I called chime and was told that my account is going to be locked cause I notified them about my account being hacked. So I figured that my account being locked no one take use it for anything. Later that evening/ night I get another notification saying that {$260.00} from my checking account was moved to my credit builder account. A few minutes after that it said you have {$0.00} in your credit building account. Called chime again around XXXX to let them know that money was taken out of my account and was used on a site called XXXX .... and it wasn't me. Was told to call in the morning to see how the investigation was going. On the XX/XX/XXXX I called and was told that it's under investigation. And if I had any proof that I was hacked. I sent them screenshots of the notifications saying phone number was changed and email was changed. Also when the email was changed it gave me a location in XXXX XXXX XXXX ) I live in XXXX. Sent photos of my driver 's license and photo of me holding my driver 's license. I sent them my XXXX location for that date as well. I've been doing this back and forth with chime cause they keep denying my rebuttals cause Ive have done like XXXX of them. They keep saying they have no proof the stuff I sent in is no good. Meanwhile I sent my XXXX location for that day which is XX/XX/XXXX I sent notifications I got saying email was changed phone number was changed I also have emails of me going back and forth with that email that was on my account and I was blackmail sent them the screenshot of that and still chime is saying I don't have enough evidence so they keep denying it I'm going to send you guys all the screenshots I have and the emails going back and forth mind you the person used my same name but with a different email address so I guess chime can't figure it out. Here my info incase you need it Account Ending in : XXXX Claim ID : XXXX Date Error Reported : XX/XX/XXXX Claim Total : {$260.00}
12/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CT
  • 06112
Web
On XX/XX/23 I realized my Chime physical debt card was missing, so I checked my checking account online and noticed that there was 7 fraudulent out of state transactions in XXXX XXXX and XXXX ranging from XXXX XXXX totaling {$1200.00} I immediately called Chime to report this and filed a dispute through their fraud department and my debt card was cancelled and Chime told me it would take 90 days to investigate and resolve this issue. The next day I was double checking my account and notice another fraudulent transaction that I missed in the amount of {$14.00} so I called Chime back reported this, they told me this would have to be filed in a separate dispute which they did and told me I would also be contacted regarding this second dispute so on XX/XX/XXXX I received an email from Chime stating that no error had occurred and no funds will be credited to my account, however they did give me credit for the second dispute of {$14.00} which was confusing for me being that both disputes were fraudulent. I was very upset and called chime to get an explanation on how this was declined and not fraudulent, Chime provided me with a document with questions and answers to my original dispute, they suggested I provide them with any supporting documentation to help prove my case that they will open and review my case again. I then filed a report with the XXXX XXXX XXXX and submitted a copy of that report to Chime 3 days after. On XX/XX/XXXX I received email from Chime stating the same rejection letter stating that no error had occurred and that my account will not be credited any funds. I dont know what else to do. Chime has not obviously investigated this matter, I asked them how is it possible that someone out of state can charge {$850.00} on my account and I not be alerted or notified, they have no answers for me, I have never been to XXXX XXXX or XXXX where this fraud occurred. These are dates and amount of all charges. XX/XX/XXXX {$18.00} {$850.00} {$31.00} XX/XX/XXXX {$47.00} {$29.00} {$1.00} XX/XX/XXXX {$230.00} {$14.00} The only charge they credited my account was for XX/XX/XXXX {$14.00}
01/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WI
  • 532XX
Web
XXXX from my taxes deposited into my chime account. A person me and my XXXX old daughter was staying with at the time found out how much money I had and she called some girls over and XXXX me and my daughter. Taking our phones and all of our clothing, purses, social security cards, my driver 's license, birth certificates and car keys and everything that we owned on XX/XX/XXXX. Using the XXXX they stole from me to make purchases that were unauthorized sending themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well. Changed my email passwords, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ect. I was locked out of my XXXX account I had to wait over XXXX until XXXX verified that I was the actual person owner to the account to gain access to my XXXX account again. Chime let these people change my email address with someone else selfie covering the picture on the driver 's license card that I emailed them telling them that I no longer had. I emailed chime letting them know that I now had a identification card and no longer had a driver license card. I sent in a selfie with the picture of the recipient of the I dentification card. They still allowed the fraudulent selfie with the covered up picture access my account and steal all of my funds out of my account. The also let the person that is blocked on my chime account send herself 2 {$5000.00} checks that I managed to catch and cancel before they were cashed. They let them on XX/XX/XXXX make XXXX charges all at the same and within minutes apart make numerous charges. I disputed these transactions and the said it was a split decision refunded me all the small amounts. The even refunded me a transactions that wasn't supposed to be on the there from XXXX. I contacted XXXX and went through the information and I was told that chime shouldn't have let the people get any cash out of my account because my account was compromised. I've been contacting chime every other day since it's happened. Me and my daught has been homeless and sleeping in our truck. Chime refuses to look at my evidence I even sent in a police complaint and everything. Please help.
05/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OR
  • 975XX
Web Older American
On or about XX/XX/2023, Chime fraud dept contacted me stating my card was compromised in Florida, to a pay parking outfit for {$12.00}. The guy reset my account log in, gave me a temp password, and cancelled my ATM card, therefore sending me a new one, which took 10 days to get. I could not use my card until I reactivated it. Approximately, XX/XX/XXXX, I got my ATM card and activated it, but it wouldn't let me. I forgot to mention that from XX/XX/2023, to approx XX/XX/XXXX, I could not log into my account. I was shut out. I contacted Chime customer service over 27 times via email and several online even talking to a supervisor on the phone. Still without any resolution of logging in. I could have bill collectors take money out but I could not see into my account. This is irresponsible and absolutely ridiculous this bank has such disregard for their clients. Then again, the fraud department contacted me, not me contacting them about more fraud. They had the fraud dept contact me about a charge from XXXX for over {$230.00} for pharmacy in Texas? I'm on XXXX and my scripts are paid in grants pass, Oregon. Then I looked at my account because the fraud dept got me in my account immediately after waiting 3 weeks for customer service to do nothing. That is when I noticed {$880.00} in fraud charges. I think it was XX/XX/XXXX. I disputed the charges. They were all made in Texas or Florida. I live in Oregon. They were to XXXX XXXX XXXX, I'm a widow, do not have a sporting goods habit, XXXX which I don't go to, all in Texas. Now my bank says it is my fault and won't return my my money to me. I have not been able to get to my hard earned money for over a month. My ATM card was cancelled again, and I still have not received my new card. In a couple of days, my last Social Security widows check will be deposited and I'm fealful Chime will allow the check to be taken by fraudster. They don't seem to care about my money. This {$880.00} was earmarked for mortgage and credit card payments. What do I do now. My house is in bankruptcy and I depend on my money to survive. Thank you for your time.
10/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85035
Web
on XX/XX/2022 i was XXXX and taken to XXXX XXXX XXXX XXXX XXXX XXXX XXXX my wallet with my bank card my cell phone and other personal affects were left behind when XXXX XXXX XXXX because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well someone ended up getting there hands on my wallet and my phone and was able to use both to access my account and make charges and withdraws from it while i was in XXXX. upon my XXXX on XX/XX/2022 i noticed that my items were missing from my stuff and immediately checked my bank and saw that there was transactions made while i was XXXX i immediately notified chime of these transactions, they issued me a new card and started a dispute for the unauthorized transactions. a few days later i was informed that there dispute team denied my claim stating that no error occurred. so i filed a rebuttal which is the only course of action they allow u to take in these numerous rebuttals i've filed i've sent documentation supporting that i was in jail and couldn't have made those transactions just to be denied time and time again i asked why i was denied and they sent me a very confusing email stating the reasons all i got out of it was that they believe that the person/persons who used my card had insider knowledge of my account. but when i told them that my cellphone was in someones possession up until recently and they could have gained access to all my banking information that way they didn't care. i had my XXXX XXXXXXXX write them a letter confirming i was in XXXX for the period of time in question which also did nothing. so from XX/XX/2022 till XX/XX/2022 any transaction was fraudulent the amount of all the transactions totals {$430.00} and some change and was all the money i had from working which was deposited during that time frame. todate they are still denying my dispute i've sent them every piece of document unredacted with my personal private information information in hopes that they would see that everything i say is the truth. all i got in out of that was there attempt to stop me from filing a rebuttal on the fraudulent transactions
01/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30093
Web
XX/XX/2021, paid XXXX to XXXX XXXX for a rental car using Chime debit card. Car was damaged in auto accident on XX/XX/2021, vehicle was towed from the scene of the accident. After discharge from the Emergency Department on XX/XX/2021, I attempted to contact XXXX XXXX XXXX, XXXX for a replacement vehicle. I received no response,. After multiple att/empts to contact XXXX XXXX XXXXoncerning a replacement vehicle or a refund of the total amount that I had paid minus the 14 hours that I was in possession of the vehicle before it was rendered inoperable due to the accident, WITH NO RESPONSE FROM XXXX XXXX XXXX, XXXX then decided to move forward and file a dispute of the transaction with Chime Bank XXXX Attached to the dispute was a copy of the police report, which supported all of my declarations concerning this transaction. That I did not have possession of the vehicle due to the auto accident, that I WAS NOT at fault, that the vehicle was towed away from the scene of the accident, the date and time of the auto accident and I also submitted proof of the payment date and amount and the length of time that I had paid for the vehicle. Chime denied my dispute. I was then instructed to submit a rebuttal disputing the decision made by Chime. I did, and included significant proof including screenshots of attempted contact with the company, complaints from other consumers dealing with XXXX XXXX XXXX found on the XXXX website. This was completed on XX/XX/2021. It is almost 60 days that we have been dealing with this on-going dispute with no resolution. I have submitted a written request to speak with someone who can actually resolve this issue or make a decision, all to no avail. So, at this point, I have decided to submit this complaint as well as one to the FDIC. I just want my money back because I did not receive what I paid for and it is RIDICULOUS that Chime Bank is telling me that perhaps the hold up could be that the merchant is not cooperating. I am physically XXXX and I live on a fixed income. This is defrauding and deceiving a XXXX individual and a felony in my home state of Georgia.
01/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NH
  • 038XX
Web
I am a member of chime online bank. On XX/XX/21 I tried to purchase gas and my debit card declined. I went into the app and saw that all of my accounts have been drained. Upon inspection, it appears that somebody hacked into my account, transferred all the money from my savings and credit builder account into my spending account, and then transferred that money to another chime user. There were multiple transfers listed on my checking account. The first was a transfer to a phone number, XXXX for the amount of {$1500.00}. The note for the transfer said bill money. The transfer was immediately returned back into my account. Minutes later. Another transfer was processed to someone named XXXX XXXX for the amount of {$1500.00} again with the note bill money. Moments later another transferred was processed to the same user for the amount of {$150.00}. Since these transactions were transfer from one chime bank account ( mine ) into another chime bank account, they settled immediately, giving me no time to dispute the claims before my money was gone. I called chime bank as soon as I noticed and was told to fill out a form and maybe I would get my money back in XXXX if chime decided the transactions were in fact fraud. I insisted that because this was an issue with their security, and happened through no fault of my own that I be returned the money stolen from me immediately. I was put on a 30 minute hold to speak to a supervisor and was then hung up on. This was not an issue of my debit card being stolen or purchasing something from a sketchy website. This was a breach in chime security. They failed to keep my money safe even though I took all necessary precautions. I have my phone on my person at all times and it is protected via Face ID and passcode. I have never shared my chime password or passcode with anybody. By refusing to take responsibility and give me back my own money, they have left me with no way to pay bills or purchase food or gas. I received no help from the company whatsoever and fear that my money will never be returned to me. My only mistake was choosing them for a bank.
01/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MD
  • 20659
Web
On XX/XX/21 at approximately XXXX, my chime card which I get direct deposit on was turned off ( transactions ). I had just gotten off work usually the money is transferred to my main bank account. Due to getting stuck over at work I hadn't transferred it yet. I needed gas so i stopped at the gas station to get gas, I turned on my card and got the gas as I was pulling off from the gas station my account wouldn't let me log in. Then I received a message saying that my account password was changed. Approximately one min later when I was finally able to change my password and access my account all my money was was taken out of my account except {$33.00} dollars. A in house transfer " pay to friend '' had happen and someone hacked into my account and transferred 2 transfers from my account to theirs. One in the amount of {$1500.00} and one in the amount of {$69.00} to a XXXX XXXX Since it was so late I couldn't contact the bank but i went into the app and made a dispute on these two transactions and the next morning I called when they opened and spoke to a XXXX XXXX and filed my claim again. She sent me a form to fill out stating the charges. I sent it back to her in an email. She stated she received it and it would be 10 business days if I could receive a credit. I called back and spoke to a XXXX XXXX and he said that I would receive the money within 24 hours. 24 hour laters no money was in my account. Due to the XXXX being a holiday I called and no information could be given to me about my claim. I explained I was out of my whole check and I couldn't wait I had bills due. He said it was a high priority case and they are expediting the process. Yesterday I talked to a XXXX XXXX and she stated they would be in on Friday XXXXAfter I call in and talk to an XXXX who wouldn't give me his last name " its against policy '' and says the credit would be available XXXX if I was able to get it. NOBODY THERE KNOWS WHAT THEY ARE TALKING ABOUT AND HAVE GIVEN ME SO MANY DIFFERENT ANSWERS! I explained its my whole paycheck and I don't have money this is my only source of income. Someone please help!
09/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30349
Web Servicemember
On XX/XX/XXXX I received notifications that chime reported a past due delinquency of XXXX XXXX for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX XXXX to my credit builder account and transferred XXXX XXXX out of the account on XX/XX/XXXX. I have 81 emails with chime trying to resolve this issue since XXXX. Chime responds back with a generic email stating the information has been updated even though it hasn't. In one of the emails chime admitted a error occured and the delinquency will be removed when my credit report updates, I told chime my credit updates in real time and XXXX, XXXX and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. This technical error that Chime has made has caused immediate financial stress into my life. chime is refusing to acknowledge the fact the XXXXXXXX XXXX I owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXXXXXX XXXX out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXXXXXX XXXX I called chime and they stated it was an error I dont owe anything. Please have chime provide proof that I owe the XXXX XXXX You can not say I owe XXXXXXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXXXXXX XXXX from XXXX, my account had a XXXX balance. my credit XXXX XXXX XXXX was never a negative balance, you add money and you spend the money you add. Please scroll down to page 4. I reported chime to the XXXX Chime stated to the XXXX upon closure XXXXXXXX XXXX was debited and posted to my account. Chime. I attached the statement of that, chime is falsifying transactions. I did not have a XXXX XXXX balance on my account before closure or on closure day, there wasnt a negative balance sure.
07/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • WA
  • 98311
Web Servicemember
On XX/XX/XXXX, my daughter received a text, addressed to ME, from Chime bank, stating to expect my Chime Debit card in the mail. She notified me immediately. I've never even heard of Chime. I immediately contacted Chime ( support at chime dot com ) via email, and inquired as to how to close this fraudulently opened account. Chime is requesting a photo of my ID, as well as a photo of my Social Security Card, in order to close this account, stating they need this information to verify my identity. This is AFTER they asked for the last 4 of my Social, my email address, my phone number, my address, all things that can be used to identify me. I do NOT understand why, after providing details I am already uncomfortable providing, to a bank that DID NOT REQUIRE THESE DETAILS WHEN THE ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE, they now what photos of sensitive documents. I am MORE THAN HAPPY to provide a photo of my passport and a utility bill, but there is NO WAY I am going to photograph my Social Security card and send it to a bank that required NO form of ID, to open the account, in the first place. Especialky when I already gave them the last 4 of my Social, so they can verify my ID that way. In addition, SEVERAL employees asked for this same information! I can't even get a single, dedicated person assigned to help me close this fraudulently opened account. Instead, it's being passed around from employee to employee, and instead of LOOKING at the information I've ALREADY provided, they're asking for the same information, over and over again. To further complicate matters, I'm currently XXXX on a XXXX ( with no way of opening an account- I had to get special permission from my command just to post here, because there's NO internet underwater, and limited internet when we surface ). They're expecting me to take pictures of personally identifying documents, in a place ( XXXX XXXX XXXX ) where cameras just aren't allowed, for obvious reasons! I just want any account that was fraudulently opened, closed, IMMEDIATELY. I have also submitted report to identity theft dot gov.
10/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 080XX
Web
I went to withdraw money from my checking account using an ATM machine at XXXX. The machine printed a receipt stating " Unable to Process Transaction At This Time '' and did not receive any cash. My request amount was for {$60.00} of which I had Approximately {$75.00} in my account. Immediately following the ATM machine, I went to transfer the money to someone to pa y a debt and was told I didn't have sufficient funds. I logged into my account and seen that the {$60.00} was deducted from Checking Account. I called the ATM company and they told me that it was a Network error on Chime 's Side. And To dispute the transaction with Chime and they would confirm that no money was dispensed. First Chime told me that they transaction was pending and they couldn't file a dispute until it settled. After 4 days, I called Chime again to dispute the claim. They denied my refund request saying " They did not find any errors ''. I immediately filed another dispute and requested docs to support their decision. They sent me an email with supposed documentation which consisted of an intake questionaire of questions that were asked of me as well as my ATM receipt showing " Tranaction Not Processed ''. I tried replying to all emails that were sent to me from CHime only to get a NON-Delivered response back. My 2nd dispute was also declined for refund of which they sent me another email with the same documents that they state as proof supporting their decision. Every time I call, it takes 15 minutes to get through the computer automated answering service. Only to talk to the dispute department and their supervisors with them claiming they can not directly communicate with their investigation department and said my only option is to reopen the claim/dispute ;. Basically, they have called me a Liar by denying a refund for the {$60.00} that was never dispensed from the ATM and have successfully STALLED any progress in settling this problem. The ATM Company and Bank behind the ATM company have both verbally told me they can see the transaction and confirms their knowledge of No funds being dispersed.
05/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MN
  • 554XX
Web
Chime customer service has been completely horrendous. I have went over and over with them. Ive never had the opportunity to work with someone with any understanding, autonomy or initiative. Often times we have a hard time understanding each other accents. I am really getting nervous that this will never be finalized and i really need my money. Chime has a credit builder that is hard to understand, deceptive and has a mind of its own. I believe the max i ever wanted to go into the separate chime credit builder account was {$1600.00} But before I knew it, my entire paycheck was being put into a credit builder account. All was well, looking forward to revolving credit. Being in finance and being the son to a bank owner, i know revolving credit is crucial to ones XXXX. Anyway, last year around the same time i had XXXX or so in my account. I was scheduled to receive my pay check. ON like the XXXX of XXXX I THINK {$6700.00} was clearly taken out of my account. All it said was credit builder payment. Normally you'll see credit builder payment but the money from checking then goes to your " credit builder account. But this appeared as though i had actually borrowed the money. The money from checking was taken out but it wasn't transferred like normal. I made a call that day and the customer service rep said " o that's really weird let me immediately file a complaint ''. Then unfortunately the next day i called and a separate employment check was deposited and the amount were similar. The employees were saying it transferred to you credit builder. BUT clearly it was from my employer XXXX XXXX. One guy told me my balance the day before and clearly identified it, but after talking to his supervisor he said it was right. When i asked for the balance again for documentation he refused to give it to me. IT WAS SUPER SUPER SHADY. Something is not right here. I have sent countless emails and no one ever helps. It makes me sick and has been so disturbing to think this could happen with a federally regulated BANK. I need someone to help me with this but it is impossible to get any help.
10/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OK
  • 74008
Web Older American
On XX/XX/XXXX, I sent {$10.00} to someone named XXXX XXXX through XXXX, He did not receive it, I searched for XXXX Customer Service phone number on XXXX. The following number popped up as XXXX XXXX customer service : XXXX XXXX XXXX. I called that number and believed I was talking to XXXX. I asked about the {$10.00} I sent to XXXX XXXX and the person on the line said, he needs to first confirm my identity. He asked me about Chime, XXXX and XXXX. I told him I have Chime and XXXX. He then proceeded to install a software called XXXX on my cell phone, He did a lot of transactions remotely controlling my phone quite fast without my knowledge, Later I found out he was buying XXXX under XXXX XXXX XXXX, etc. I had {$700.00} in my Chime account and removed {$450.00} and $ XXXX under a name XXXX XXXX XXXX He also used a debit card I had at XXXX and withdrew {$480.00} and {$10.00} form XXXX XXXX in XXXX ( XXXX XXXX XXXX ), even though I only had {$25.00} credit there. He called me from XXXX XXXX XXXX a total of 6 times. I answered to one or two calls. After this conversation, I realized that the person on the other line was a scammer. All along, I thought I was talking to XXXX. The person even asked to take a picture of my drivers license ( front and back ) and profiles of me ( left and right ). After I hung up, I realized that he was not part of XXXX. I immediately called Chime and told them about the problem of the {$700.00} he removed from my Chime account leaving me with a {$0.00} balance. I talked to their fraud department and asked for their help. They told me they can not do anything for me. I then went to our local XXXX Police Department and filed a report in person with XXXX XXXX XXXX ( XXXX XXXX XXXX ) She assigned a case number XXXX XXXX XXXX to my case and recommended that I get new drivers license, report the incident to my banks, and take my phone to XXXX to wipe it clean from any XXXX. I followed her recommendations. I now have new checking and debit card numbers and froze my XXXX, XXXX and Chime accounts I would very much appreciate your help in resolving this issue.
12/07/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MD
  • 21216
Web
Today is XX/XX/2021. Earlier today I went to get some car maintenance done, which I paid for with my Chime debit card. Everything was fine. Around XXXX XXXX EST, I went to check my account on my app, and it logged me out. I didn't have my password on me so I pressed forgot password. It kept giving me a " too many requests '' on the screen. So, I called customer service and ironically the automated operator said they were closed. Last time I checked they were available 24/7. The second time I called it stated I was eligible for free auto care. I thought it was through Chime. I still don't know. Now someone has my name and car model. I hung up and called back and now the number is not available from the area I'm calling from according to the automated message. Now, I can not access my account from any angle. Chime did not and still hasn't gave any notification of any technical difficulties or other mishaps to me. I can not get in contact with anyone by phone, and no one has answered my email. I can't log in to speak to anyone through chat and if I could I wouldn't have any problem because the problem is not being able to access my account. How this situation is being handled is unproffesional and fraud like. There's no one you can contact, no one has yet to notify me of Chime having issues, and their phone number is being rerouted if not shut off from receiving calls from customers. I want what's left in my account out of their system ASAP so I can go with a more professional and safe banking institution.This is beyond draconian, and it seems as if these institutions keep getting away with these so called mishaps. I have rights as a natural living being, creditor, consumer, and sovereign and this here is in violation of majority if not all of them starting with the non communication. Someone needs to look into what's going on with Chime regarding this matter and have them release people their money along with investigating their business structure because it's ironic no one can be contacted when not being able to access my account nor funds. I need access to my property ASAP.
01/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 11795
Web
On XX/XX/XXXX at XXXX XXXX, I withdrew {$20.00} from an in-network ATM. On my Chime account it said that I withdrew {$500.00}. I immediately called Chime and told them what happened and they told me to fill out their form and send it to them, but I would have to wait until XX/XX/XXXX just for a PROVISIONAL CREDIT! I told them on the phone, I can not wait that long! I have severe XXXX, XXXX, XXXX and have had multiple serious back surgeries. I am on XXXX and on a fixed income and have bills to pay! They gave me a credit on XX/XX/XXXX, just in time for my car payment on XX/XX/XXXX. Without notice they reversed my credit on XX/XX/XXXX and said there was no error! I said are you kidding me? Now my car payment got kicked back and I got charged {$30.00} for HAVING INSUFFICIENT FUNDS! I called Chime on XX/XX/XXXX and said I have the ATM receipt to prove it! The associate said that I was supposed to send the receipt to them as well. I told him that nobody told me that I needed to attach the receipt! He told me if I send the receipt that I will get my money back! I sent the ATM receipt immediately and I just called on XX/XX/XXXX at XXXX XXXX and I was asked " did you get an email from us? ", I said no I did not. The associate said that upon reopening the claim with the ATM receipt I provided proving I only took out {$20.00}, they still decided that " no error occurred ". I was furious and said I gave you the ATM receipt proving I only took out {$20.00}. That is irrefutable evidence. He told me nothing else can be done that this was their " final decision ". When I thought things couldn't be any worse, they made my account go negative so I also lost my deposits of {$160.00}, {$160.00}, and {$50.00} because it went towards the negative balance because they reversed the credits that are MY MONEY! Now my car loan is past due and I am facing my car being repossessed! I can't afford to lose my car. I need it to get to my doctor appointments, pharmacy to get my medication and to get my XXXX treatments. Now my credit is going to be ruined as well! This is all due to Chime banks negligence!
08/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CO
  • 80222
Web
On XX/XX/XXXX, my cell phone was stolen from me. The party that stole my phone was able to bypass the security that I had in place on my phone, and used my Chime account to transfer themselves {$4800.00} in three separate transaction in XXXX minutes ( 2 to a XXXX XXXX XXXX for XXXX and XXXX dollars, and another to a XXXX XXXX XXXX for XXXX dollars ). This is felony theft by Colorado law. As soon as I realized that the theft had a occurred, I contacted Chime to report the theft. They mailed me a new debit and credit card, and opened disputes on the transfer. I let them know that I would send them a copy of my police report, as well as a receipt for the new phone that I had to order through my insurance. Less than XXXX hours later, Chime closed the dispute and said it did not have merit without allowing me time to even send a police report to them. I had to call them to reopen the dispute, and on XX/XX/XXXX, they reopened it. On the XXXX, I emailed them copies of my XXXX claim for my phone proving I had to order a new device and filed a theft claim. The police finally called me to collect my report on XX/XX/XXXX as well,. I requested a copy of the report as soon as it was available, which I sent to them on the XXXX via email. On XX/XX/XXXX, they finally issued a provisional credit to my account in the amount XXXX dollars. Finally, on XX/XX/XXXX ( today ), they sent me an email informing me that the credit would be revoked and that they found there was 'no error '. I have provided ample proof that the transfers were theft. I filed a police report, I sent them proof that I had to order a new phone, I changed my chime password, and moved my account to a different device, I've never sent money to those people before ( in the 4 years that I've had an account, I've only ever sent money to my partner through their transfer service ) and have never sent anyone that amount of money at a time. One of the payments was for 'car down payment ', and I do not own a car. The other payment was for 'rent ', but I had already paid my rent and it was more than twice the amount that I pay.
01/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77089
Web Servicemember
On XX/XX/2022 at XXXX I received an email to my personal email account about a new Chime account that had been opened in my name. I did not open this account. I simultaneously received an email about a new login into " my '' Chime account from an android device in XXXX, Texas ( which was not me ). I originally brushed this off as spam to try and get my personal information but became more concerned when I received additional emails from Chime that seemed more official about welcoming me, sending me a new debit card, and also receiving a referral bonus. At this point, on XX/XX/XXXX I contacted Chime and let them know that there had been an account opened in my name fraudulently and to please close said account and to additionally advise me on what to do. I received an automated reply saying that they had received my email and I have heard nothing further. However, hours later, I received an email that {$200.00} had been deposited into my Chime checking account, which unlocked the debit card feature. Additionally, this afternoon on XX/XX/XXXX, I received a series of emails. The first explaining that my credit builder card had been shipped to my home address, and several emails following of several different people sending me a " {$5.00} XXXX XXXX '' which unlocked the account 's " XXXX '' feature, all followed up by a purchase at XXXX of {$360.00} to " XXXX XXXX '' that was approved and was " spotted '' {$60.00} leaving the account balance at- {$60.00}. At this point, I looked up the procedure on how to handle fraud and since I had already emailed the company Chime, I reported fraud to the credit bureaus. I also attempted to make this account unusable by whoever was using it by trying to recover this account 's password and then changing it, but when I submitted the " forgot password '' form, and instead of the security code going to my email, it went to a phone number that I did not recognize ending in XXXX. So I could not do anything further so I then sought to file a report with the Federal Trade Commission which redirected me to the Consumer Financial Protection Bureau.
05/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NJ
  • 07017
Web
Description of Complaint : Chime suspended my account for XXXX that occurred on their behalf upon setting of this account back in XXXX or XXXX I use an option that they provided on their website called sign in with XXXX. My XXXX XXXX name included an alias XXXX XXXX my legal name is XXXX XXXX on Monday. They suspended Chime suspended my account for that occurred on their behalf upon setting of this account back in XXXX or XXXX I use an option that they provided on their website called sign in with XXXX. My XXXX XXXX name included a alias XXXX XXXX my legal name is XXXX XXXX on Monday. They suspended my account and required me to provide proof of address and my. And my current an expired drivers license. I am mediately provided documentation within 30 minutes via email. Additionally, the following day they indicated that I had to request a formal legal name change. Additionally, I responded immediately within 30 minutes and I immediately provided them with the documents that they asked for which was proof of address my current, an expired license, front and last date I initially also went to the motor vehicle commission to receive a updated copy of my license with my current address as listed on the chime account it has been over 96 hours. My account is still under suspension. The suspension has not been lifted. I have escalated multiple times to a supervisor with the last escalation being today I was informed I would be he was in review. This is the differently, causing an issue in my life. My hardship I have had bills which I have not have been able to be paid because this is my primary financial institution this is inhumane, as well as Discriminative of people at chime, who have falsely suspended my account, as well as not provided the proper level of empathy or customer service to resolve the issue. I am greatly depressed by this. I have been able not able to work because I have not been able to use the funds in my account to get to work or pay my bills my children have been Desired Settlement : Contact by the business ; Finish the job ; Remove suspension on account
07/13/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • GA
  • 30161
Web Servicemember
I received a ppp loan on XX/XX/XXXX of this year for my business working with the XXXX XXXX. I had bank with chime for many years and had no problems with them. But on the morning of XX/XX/XXXX of this year I got a email saying my account was being suspended. I called and they said they need my ID, LLC or something with the business name, a bill in my name and why these funds was given to me and if these funds was from my employer a note from them. I sent them something with the company name, a bill and my ID with a explanation why I got the funds and two days later my account was closed. I spoke for months with different rude people from chime and XXXX 's and was given no help until around XXXX after a investigation was done by XXXX 's in XXXX and they gave me a ticket number two different representatives told me a check of XXXX would be mailed out. They told me that after 30 days of the account being closed it should've been sent out and call back on the XXXX of XXXX if it hasn't. When it hadn't been I called back and they wouldn't direct my calls back to that department and told me that no one ever told me a check would be mailed out. I continued to call and last month someone told me that they need the things they originally asked for and if done they'd mail a check for my funds of XXXX and I should receive it in a couple of days. I asked the representatives again if I sent him my LLC, a explanation of why I received the funds and my ID with a bill a check would be sent and he said yes. So yesterday XX/XX/XXXX I sent them my LLC, a piece of mail with my business name and my ID, ss, a bill and some documents from the lender. This has been a horrible experience. I'm at risk of losing everything. My home, struggling with my bills and my business. It's caused so much stress and it seems like chime doesn't care what this has done to my life, my family and many others that this has happened to. I'm hoping with all the information sent to chime support will be enough to resolve this matter. I even spoke with XXXX XXXX with no help also. Both XXXX and XXXX 's blamed chime.
07/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 78223
Web
On XX/XX/XXXX there were 3 transactions in my bank account. On XX/XX/XXXX. I contacted the bank they started a dispute and refunded my money. Then in XX/XX/XXXX Chime bank said they contacted this " merchant '' and that they confirmed the charges so they took the funds back out. {$330.00} was deducted for 3 transactions that I did not authorize since XX/XX/XXXX I have called everyday to ask for the merchant information because there is none that I can find and they will not work with me to give me the information in have submitted 18 disputes with tons of documentation and they will not respond. A total of 34 emails have been sent and no response only to spay it was a justified transaction. On my bank statement these 3 merchants are not even in English and there is no information for them. The email listed is fake. I have the documents from spoof @ gmail and from spoof @ XXXX stating these are fake websites. I have submitted the documents from the United States Post Office saying no packages were delivered to my home address within the past 90 days. Also the tracking number they verified it to belong to different home address and different person. XXXX also sent the documents stating a different card was used with my name being fraud. I contacted XXXX XXXX and TransUnion and there are about 18 internet applications with mixed my information with some elses. So a freeze has been put on my Credit and a fraud alert has been set up. Apparently my accounts have been hacked and I did not even now it was this serious until I tried to remove these charges. The same 300 merchants tried to access my XXXX, Chime, and XXXX accounts. I need help to resolve this issue for the bank refuses to even look at all the documentation I have provided by responding only that they contacted the merchant but I don't understand how if all the paperwork I have shows them to be fake websites and people. XX/XX/XXXX {$110.00} XX/XX/XXXX. {$110.00} XX/XX/XXXX. {$110.00} Refunded on XX/XX/XXXX Then deducted again on XX/XX/XXXX ... XXXX {$330.00} I have all the documents for thiese XXXX transactions.
09/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IN
  • 46135
Web
I recently submitted a dispute from my Chime Checking account and debt card. On Friday XX/XX/2023 starting at XXXX est until Saturday XX/XX/2023 at XXXX my debt card was used in XXXX separate micro transactions of {$2.00}, {$5.00}, and {$10.00} for unauthorized/fraudulent purchases in the amount of {$920.00}. I have never made a purchase from XXXX. The last purchase made from my account was from the XXXX XXXX XXXX for a total of XXXX. I then attached screen shots from both my XXXXXXXX XXXX XXXX showing the last purchase I made and a screenshot from my XXXX account that show no purchases from MY account. You can also look through my transaction record and see that I have NEVER made a purchase from XXXX XXXX. Furthermore when I purchase things from the XXXXXXXX XXXX XXXX I always have to pay sales tax and none of these charges have any tax charged? I immediately called in when I awoke the morning of Saturday XX/XX/2023 to stop the charges. I was told by Chime Support that the could do nothing until the charges cleared. I was told to call back in when they cleared and start the dispute process. I started this process on Monday XX/XX/XXXX and have been denied twice already and they have not provided me with any information as to why I was denied. I then called into support and filed a rebuttal and resubmitted documentation with a statement explaining the situation with my own findings only the be denied again in less than 24 hours. Chimes response from an email I received : Support Tuesday, XX/XX/XXXX, XXXX XXXX As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review.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 am sure no error occurred, the fraudsters were able to take my money just fine. It was unauthorized purchases I was disputing not a system error.
09/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Trouble getting information about the card
  • OH
  • 43612
Web
Hello, I am forwarding this complaint because Chime truly put my family in a bind and presented additional mental distress during this pandemic, I emailed this company over 15x for a better understanding of why our overdraft limit went from XXXX to XXXX in one fail swoop in a spann of 2hours. I would like to offer context and backstory to this, I have been with Chime for 3 years-they are not a traditional bank so that's why I tried them out. One of the features the app has is the ability to have a friend send you a XXXX. A friend of my husband and I sent a {$5.00} boost and that in turn increased our XXXX Overdraft limit to XXXX. We received an email notification at XXXX, XX/XX/21 then at XXXX we received an email stating that our overdraft limit had been dropped to XXXX. That is a huge difference, granted we aren't entitled to the overdraft but this is what they advertised and I partook in that. This caused instant panic and distress due to the fact that the XXXX was factored into our budget. I reached out to customer service, and the rep did not have answers, so I then spoke with a supervisor, and then floor manager. The floor manager XXXX added insult to injury being rude, sarcastic, flippant, he would put the call on mute while we asked questions and would not respond. After a phone call that was over a hour and Us being pushed to the extreme limits I mean exhausted mentally and angry, we are given emails XXXX XXXX XXXX and XXXX XXXX XXXX. I reached out to them and was told that that our last qualifying deposit in order to enable XXXX was in XXXX, but I was confused by this because in XXXX the SpotMe limit was XXXX. They had no rhyme or reason to why it continued leaving my family under the impression that the overdraft was XXXX. I emailed them so many times with no response, until the point I knew I was being ignored. This has put my family and I in a terrible bind for the next 2 weeks. There was no warning that the limit would change or anything. This entire experience was traumatic and I pray someone looks into why there wouldnt be a warning email or something.
03/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Refund anticipation check
  • Problem with customer service
  • NJ
  • 086XX
Web
I was issued a refund for the amount of {$8500.00} on Wednesday XX/XX/XXXX. I used the platform XXXX who then released my tax refund to my Chime bank account on Thursday XX/XX/XXXX. I was contacted by Chime bank on Friday XX/XX/XXXX and asked to submit additional information to verify my identity because I filed a joint tax return with my husband. I did so within 20 minutes of receiving the email. I have yet to be contacted by chime to verify they received my information or have made any effort to review the information. I have made 5 separate calls to the customer service line at XXXX, and made 7 submissions on their online chat without response. The first call made was Friday XX/XX/XXXX where the gentleman on the phone confirmed they received my documentation and stated I should hear back shortly. Because banks are typically closed on weekends, my second call was monday XX/XX/XXXX @ XXXX lasted 10 minutes where I was again advised they absolutely received my documents and they are required to respond within 2 business days of receiving my documents. Third phone call XXXX @ XXXX PM which lasted 15 minutes I again was advised they do have my documents but they process all hours of the day so to be patient as it should process soon. Fourth phone call XX/XX/XXXX XXXX PM lasting 22 minutes I spoke to a supervisor who escalated the claim and said I was supposed to be contacted within 2 hours. She explained it is a different department completely and I am unable to be transferred. I was never contacted. Fifth call XX/XX/XXXX @ XXXX lasted 17 minutes I again spoke to a supervisor who again told me theres nothing they can do. She is unable to contact them, her boss doesnt speak to the public so he cant help me and I should not continue to email them as it will send my status to the bottom of the que. Their solution is basically I have to wait it out. In all this I have yet to be contacted by chime. All the supervisors say they have no way of contacting the email team besides escalations which dont work because they acknowledge they are not responsive even to the supervisors.
11/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MS
  • 39532
Web
I am writing to file a formal complaint against Chime Financial , Inc. regarding an unauthorized withdrawal from my account and a scam attempt perpetrated by someone claiming to be a representative of the bank. I am deeply disturbed by the lack of action taken by Chime to resolve these issues promptly and the subsequent denial to reimburse the unauthorized funds. On XX/XX/XXXX, a sum of {$350.00} was debited from my account without my knowledge or consent. I have thoroughly reviewed my account activity and can confirm that I did not authorize this transaction. As a responsible account holder, I promptly reported this incident to Chimes customer service department in order to initiate an investigation and request reimbursement for the unauthorized withdrawal. To compound matters, on XX/XX/XXXX, I received a call from Chimes official phone number. The individual on the line identified themselves as a Chime representative and attempted to obtain my personal and sensitive information under the guise of verifying my account due to unauthorized charges in another state. I was also sent a text message and email from this Chime scammer demanding a XXXX digit code. Fortunately, I recognized the red flags and refused to provide any information. However, this incident shows the lack of security and integrity of Chimes customer service practices. Despite my immediate response to report both incidents, Chime still denied my requests for reimbursement. Chime debit cards are protected by the XXXX XXXX Liability Policy to ensure that cardholders will not be responsible for unauthorized charges. I would like to emphasize that as a customer, I expect my bank to uphold its duty to protect my account from unauthorized access and fraudulent activities. I demand complete reimbursement of these unauthorized charges immediately. Additionally, I insist on receiving a detailed explanation as to why my reimbursement requests were previously denied, as well as any evidence or documentation supporting your decision. Chime Financial , Inc. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
08/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 339XX
Web
I have contacted Chime multiple times disputing a claim of multiple unknown charges totally over {$2000.00} and filing multiple rebuttals. Dispute # XXXX. Every one of my claims has been denied within hours of being filed. When I requested documentation of why my claim was denied, the only thing I was sent was a list of the charges and the intake form that was filled out when I called to file the claim. I called again, requesting additional information why my claim was denied and I receive the same documentation. I contacted the merchant myself and spoke with them, and they claimed there has been no dispute filed on my behalf from Chime, they dont have an account for me for any purchases, and that I needed to contact my bank for them to file a dispute claim. I again contacted Chime about this, and again was denied, and again received the same denial documentation, which was only a list of charges and the intake form. I sent them screenshots of the merchant information and explained that I spoke with the merchant, and they have no documentation of a claim filed on my behalf. XXXX opened a rebuttal and it was denied within five hours. Every time I call I get the same answer from Chime. They dont give me any documentation or information about the snail and they say the only thing they can give me a screenshot of the charges and the intake form to you. I explained to them that regulation E requires them to give me specific documentation about my claim denial, and they refused to give me that information, claiming they can only give me the screenshots I have been given. They will not allow me to talk to any of the investigators that work with disputed claim, And they wont give me any investigation information. I contacted the FDIC and the police to file a report and they stated they needed the documentation from Chime and when I asked chime about this, they told me again they could only give me the screenshot I am filing the claim against chime in hopes that they will actually do investigation and look into my claim. I did inform them that I would be filing this with you.
08/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • AZ
  • 85201
Web Servicemember
CHIME BANK SENT ME AN EMAIL ON XXXX XXXX STATING THAT THEY WERE CLOSING MY ACCOUNT ON XXXX NO EXPLANATION- THEY STATED I SHOULD GET ALL OF MY MONEY OUT OF THE BANK BY XXXX OR I WOULDNT GET MY MONEY UNTIL 30 DAYS AFTER WHEN THIS WAS SENT I WAS ON VACATION- SO SINCE I HAD MONEY IN BOTH ONLINE ACCOUNTS CHECKING AND SAVINGS- I COULD WITHDRAW MONEY FROM CHECKING- BUT SAVINGS I COULD ONLY WITHDRAW XXXX A DAY- OF COURSE I HAD MORE THAN XXXX IN MY SAVINGS- SO MY NEXT DAYS ON VACATION WERE INTERRUPTED BY GOING TO AN ATM EVERYDAY TO WITHDRAW FUNDS TO DEPOSIT INTO ANOTHER BANK. I ALSO HAD A DIRECT DEPOSIT SET UP WITH THIS BANK WHICH WAS TO COME IN ON XXXX THIS IS A MONTHLY CHECK- THAT I DEPEND ON SINCE I AM XXXX I TRIED TO CHANGE MY DIRECT DEPOSIT SET UP QUICKLY BUT WITH LITTLE OR NO WARNING FROM CHIME BANK- I KNEW IT WAS GOING TO BE A PROBLEM I FOUND THAT THE DEPOSIT DID TRY AND GO INTO THIS CLOSED ACCOUNT ON XXXX AND CHIME SENT ME AN EMAIL STATING THEY RETURNED IT TO MY COMPANY ON XXXX NOW THE COMPANY I CALLED THEM AND THEY SAY MY DEPOSIT IS FLOATING AROUND SOMEWHERE- BUT THAT THE DIRECT DEPOSIT TO ANOTHER BANK WOULD BE AVAILALBE NEXT MONTH XXXX NOW I DONT HAVE MY DIRECT DEPOSIT STILL AS OF TODAY- AND MANY BILLS THAT I PAY ARE NOT BEING PAID AND I HAVE GOTTEN NOTICES FROM ALL OF MY CREDITORS LOOKING FOR PAYMENT. I CANT PAY BECAUSE I DONT HAVE ANY MONEY- THANKS TO CHIME BANK. I HAD BEEN BANKING WITH THEM FOR OVER 3 YEARS- THERE IS NO WAY TO REACH A LIVE PERSON ONCE THEY CLOSE YOUR ACCOUNT- THEY EMAIL YOU AND TELL YOU TO TAKE A PICTURE OF YOURSELF HOLDING YOUR DRIVERS LICENSE AND THEN TAKE A PICTURE OF A UTILITY BILL WITH YOUR NAME AND ADDRESS AND ONE OTHER FORM OF IDENTIFICATION- I DID ALL OF THIS AND THEY STILL HAVE NOT CONTACTED ME. I WANT THEM HELD RESPONSIBLE FOR THEIR UNPROFESSIONAL ACTIONS AND MY DAMAGES ARE WORTH OVER XXXX I AM BEING HARMED GREATLY- NO BANK THAT I HAVE EVER BANKED AT WOULD JUST CLOSE A PERSONS ACCOUNT FOR NO REASON AND THEN NOT GIVING THEM AMPLE WARNING- 4 DAYS THAT WAS IT- IM LUCKY I READ MY EMAILS- BECAUSE THAT IS THE ONLY WAY I FOUND THIS OUT.
12/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AL
  • 35211
Web
On XXXX, 2022, while I was at home, I had XXXX Chime Bank notifications appear on my phone stating XXXX transactions that were processed, XXXX for XXXX XXXX for {$28.00} and the other for XXXX for {$110.00}. Since I knew that I did not make these transactions I automatically thought that my debit card number must have been compromised. I contacted Chime support to immediately dispute both charges and locked my debit card. I was also able to go ahead and order a new debit card which automatically cancelled the original card. Once I submitted the info it stated that I would be contacted by support within XXXX hours. I did hear from them until that following Tuesday. The person I spoke to stated that both transactions were still pending and the disputes could not be filed until both transactions were out of pending status due to sometimes these types of transactions may fall off. Also, they stated that they could issue a provisional credit for both while the disputes are being investigated. Once the {$28.00} transaction cleared, I was granted a credit for that amount. At this time, XXXX was still pending. I checked my account XX/XX/XXXX ( or XXXX ) and saw that the {$110.00} transaction had cleared my account but at the amount of {$100.00}. I checked my chat stream with support and noticed that it stated that the issue was resolved so I went ahead and contacted them again to let them know that XXXX had cleared so they could investigate. Again, was told I would be contacted within XXXX hours but this time I heard from no one. Today, XX/XX/2022, I contacted them again but by phone. I was informed that I would not receive a credit for the {$100.00} because it did not qualify because it was in a pending status at the time. I told them if that is the case then why was the other transaction able to be credited when both transactions were done on the same day within the hour and I reported both of them together at the same time. The representative just kept repeating that the transaction didn't qualify. So I am out of {$100.00} that I did not spend or authorize to spend.
12/12/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NJ
  • 08723
Web
In XXXX XXXX XXXX there were several transactions that took place on my Chime account. In total XXXX transactions totaling {$19000.00} which spanned over a period of 16 days ( XXXX XXXX XXXX ). At that time I was a very new customer to Chime and it was not my primary bank. I was never notified about any of these transactions. The merchant was some online gambling/sportsbook which I have never previously heard of or done business with. I filed a dispute with chime letting them know I did not make these transactions and that I also have been a victim of identity theft/hacking. I submitted documents to chime showing this. I was/am a victim of the data breach XXXX suffered in which all my personal information including SIM card were accessed. My Social Security number. Drivers license number. Phone number. Email addresses and corresponding personal information have all been compromised and found active on the dark web. Again I have proof of this from identity monitoring services which I pay for. In addition I was able to contact the merchant through the contact information Chime provided me. I explained the issue and eventually was able to convince them send me an email correspondence they had with the person ( s ) using my information. And in that correspondence even the merchant was stating they were clear and obvious signs of unauthorized activity regarding the account which they closed for this reason. I forwarded this to Chime as well as part of a rebuttal which was also denied. The documents that Chime has sent me in which they used to make the determination are made up of circumstantial and baseless accusations. It looks like they gave an opinion rather than an investigation with evidence. Several of her bottles have been denied and I am left devastated not knowing where to turn. The Internet is filled with stories such as mine which chime just denies claims even when staring at evidence proving otherwise. They need to be stopped and I need my money back as this has put me in a really bad financial position as well as taking a toll on my health
12/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 921XX
Web
I was charged for XXXX payments made on XX/XX/2022 because I placed a second order after Chime notified me that my first payment was declined ( it was not ). The XXXX payments were {$2800.00} XXXX and {$2700.00} XXXX issued to XXXX XXXX through XXXX. I then issued a chargeback and was contacted by the merchant that he would issue a refund for the extra payment and that I could cancel the chargeback. I have received the refund of {$2800.00} XXXX from the merchant on XX/XX/2022, which was transferred to my Chime account on XX/XX/2022, but I was later notified that Chime issued a chargeback on the second payment on the merchant, which has not been shown anywhere on my account. The merchant has confirmed with a XXXX investigation that Chime has charged him for both payments, and after many rebuttals I received an email on XX/XX/2022 from Chime that they have made an error and that the merchant issued a refund to me on XX/XX/2022, which is not shown on my account. After making a phone call on XX/XX/2022, I was told that my credit would be issued by XX/XX/2022 and I should call them if I have not received the payment by then. On XX/XX/2022 I made another call to receive an update on my payment, and was notified that my dispute was declined and needed to be escalated ( which is not shown on my email update which confirms that Chime has made an error ). After emailing Chime 's support on XX/XX/2022 after the phone call, I was informed that the dispute was declined, which is contradictory to previous updates. Not only have I lost money due to the currency exchange, but Chime has been withholding the money charged back from the seller ( {$2700.00} XXXX ) for over 2 months and is refusing to provide me additional updates via phone ( every time I have been told that they will escalate the case, which has not happened ). None of their investigations include any evidence that I have received XXXX refunds from the seller, as they decline my dispute based on receiving XXXX refund ( both payments have been taken from the seller, and only XXXX has been received by me ).
03/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • KS
  • 67846
Web
On XX/XX/23 i won a jackpot at an online social casino totaling {$20000.00}. I won ~ {$10000.00} in various gift cards and got {$10000.00} cash direct deposited into my checking account. Well on XX/XX/23 I at a different online social casino I hit a grand jackpot of {$66000.00}. I took {$9000.00} cash being directly deposited into my checking and am getting check in the mail for the remainder ( {$51000.00} ) from XXXX XXXX. Ive started getting these emails that I felt were suspicious from someone claiming to being an employee of chime ( whom I bank with ) so I call chime and ask them if they issued email from an XXXX every representative Ive spoken with all told me that that is not a chime email dont respond to it. So I didnt. Well these emails were threatening to take adverse actions on my account if I dont respond. So I kept calling chime terrified that someone was about to take over XXXX accounts and steal My money. Well turns out that on XX/XX/23 chime froze my account and kicked Me out of my online access entirely cut off. I can no longer get my documents or my money or see anything to do with my accounts. Ive done everything they have asked to show proof of everything. There is so much information and its So traumatic that they cut me from my finances with no explanation. They got XXXX you suddenly permanently close my account with them due to violation of terms and conditions. But never said what therm I violated and I have asked several times. I not get the same email from the same XXXX telling me they are afraid they have not received sufficient evidence. Your account is suspended for your security. Over and over. Now when I email XXXX I dont even get a response. I get an email from outreach with the same email. The have taken {$4000.00} from me and i Dont know what to do to get my money. I even got proof from the social casino what the money is deposited from and how Much I redeemed. I gave them a copy of my Drivers License and proof of address. And all I get in response is the this email. I still dont have any kind of access to my accounts.
09/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MO
  • 64133
Web
What been I happening is I been waiting for closure check from chime for the past 8 month and they have yet to sent it so there been a couple issue when I file a dispute from XXXX they closed my closed my account I did first ask why they closed it over the phone and they couldnt give me a answer so then I ask if they could possibly reopen it because I had {$100.00} and I a didnt know they was closing my account if I knew I would took that money out of my account but the dispute amount {$1400.00} and they finished the dispute on XX/XX/XXXX but I still have not got it but I have proof of all the email and I told them the address was on file I dont live there so I believe they kept resending the check to my new address and the 3 month I provided new document proof of new address and they never got it until XX/XX/XXXX so they email me the amount they was sending and said it will be XXXX business day and I figure I would get the money by XXXX but no still dont have it and then all of sudden they telling me they sent it on XXXX to the new address and that a lie because they updated and confirm to me they have the address on file on XX/XX/XXXX and then there time they said no money is owe to me at this time then I have other response I get my check XXXX business expedite shipping but get not got it and they know it was part of my college money I really needed at the time around XXXX before my spring semester was over and I was in financial hold and I was also need to buy me a computer for this semester for school and I never experience a bank like that and then I also ask them if someone possibly cash that check since they sent it at the old address and if it was there need to be investigated but couldnt even tell me answer and I also called chime over the phone but they cant even help me and also supervisor and with supervisor are supposed to fix certain situation but how they do it they contact chime support and they would have to sent me email and I ask for tracking number and never give it to me through email and also over the phone and It been stressful
03/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • SC
  • 290XX
Web
In XX/XX/2023, I received {$1900.00} from my renters to my personal phone number via Chime. I had to create a Chime account at this time. On XX/XX/XXXX my renters sent their rent ( {$1900.00} ) via Chime again to my personal phone number, even though they were told not to use Chime. Chime would not allow me to transfer these funds to my actual bank account because I had not activated the chime debit card that I have no plan to use and didn't want the extra exposure to fraud. At this point, I attempted to send the money to my work phone number. The app asked me to double check the number which I did. I never received a confirmation email / text to my personal side saying the money was sent or received. I also never received a text on my work number as I was instructed by the app. I waited about 10 minutes and refreshed the app since no messages were received. The app then showed that Chime had not sent the money to my phone number but to some other random person that I do not know and have not ever met. I immediately called into Chime and let them know what happened. They filed a dispute to return the money. They did verify on a recorded line that I sent the money to my work number, but that they transferred it to this person because they had used this number in the past with their account but that they have changed their number. I called multiple times during this time and then they turned down my claim. I called in and they opened a rebuttal. I sent all of the details again through email. They denied this rebuttal but gave no reason why on XX/XX/2023, even though they have admitted to sending the money to wrong person. I called in on XX/XX/2023 and they opened another rebuttal, but said that they were not confident that this would change anything. They keep saying it could take up to 45 calendar days to be decisioned and they reset this clock every time they make a change. They also said if a decision wasn't made by 10 business days then a temporary credit could be applied, but this time is reset every time as well.
07/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • GA
  • 30032
Web
1. On XX/XX/XXXX I purchased fuel at a gas at XXXX XXXX. After this transaction I noticed it took longer than usual to settle and settled for {$75.00} which is the amount debited at the pump until the transaction settles for the actual amount. I was denied a receipt for this transaction. I filed a dispute with Chime on XX/XX/XXXX and like every other dispute I was extended a provisional credit that was later reversed with a final determination of ; " we determined no error occurred ''. Their policy allows them no more than 10 business days to send all documentation used to make a final determination after receiving a request. I have requested these documents every dispute since opening my account and at present I have received no documentation related to any disputes. On XX/XX/XXXX XXXX I sent request for documentation used to make this determination. I received receipt and confirmation of this request XX/XX/XXXX XXXX. I sent notice that this deadline was not honored. I submitted a rebuttal and documentation on XX/XX/XXXX. On XX/XX/XXXX I was told Chime made a final determination on the rebuttal. On XX/XX/XXXX XXXX I submitted request for documentation used to make this determination. I received receipt and confirmation of this request on XX/XX/XXXX XXXX. On XX/XX/XXXX I received a link to chat with a live agent who then informed me they are still investigating my rebuttal. 2. I have received nothing but conflicting, contradicting, false and misleading information from Chime and its agents. 3. As trustee of my account Chime and its agents have not acted in good faith concerning me or my account that I am the registered owner of, in fact they have conducted themselves in a manner that is the opposite. As a result, my estate has been defrauded of rights, titles, securities, interests, and equity that it was lawfully entitled to and sustained financial damages. As a courtesy I have attached XX/XX/XXXX documents and transcripts detailing any and all correspondence between all referenced parties. ( For Reference In Pending Federal Claim )
03/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble closing card
  • TN
  • 37211
Web
On XX/XX/2021 I received a PPP loan through XXXX XXXX in the amount of {$20000.00}. I had the deposit sent to my new Chime account. I heard that Chime was accepting the ppp loan so I wanted to try the bank out. However my current bank is not accepting the PPP loan. I had been paying myself weekly, and sometime 's bi weekly to my cash app account so that when I submit the documentation to the SBA for PPP forgiveness it will show that I have paid myself for payroll. As of XX/XX/2021 I received an email from Chime requesting a photo id, a utility bill with my address on file that I used to apply for the account, an explanation as to what the funds have been spent on and they requested receipts where I've spent the funds and requested the promissory note from XXXX XXXX. I submitted all of the following. XX/XX/2021 I was advised by XXXX that I needed to submit over my tax return or a tax form. I explained that a sole proprietor is not required to have an EIN majority of us use our SS numbers. Secondly, to qualify for the PPP loan as a sole proprietor you were to submit an 1040 C form. I have done that and fully approved and have been funded through Itria already.These people are with holding approximately 8k! They lock you out of your account completely so you have no way of seeing ANYTHING! I have explained that in order to have the loan forgiven I had to send deposits out weekly to my cash app. I've also expressed to them if the funds aren't used before next week I will not be eligible to apply for the second round of PPP. What these people are doing is stealing! They are freezing consumer 's accounts left and right to make interest off of hard earned tax payers dimes.Online I've done some research a little to late. It seems as if they do this to anyone that has a few thousands in their accounts or more. I have seen the horror stories where some people gave up and just let them keep their funds. I am not that person! I work hard for my money, and I will not allow anyone to steal from me nor my family! This company should be shut down at once!
10/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • FL
  • 32780
Web
On XX/XX/2023 around XXXX in the morning I stopped at XXXX to grab a cup of coffee and to use the atm. That day I had been paid my paycheck through payroll on my chime checking account and was going to pull out half of the money to deposit into my cash savings that I have in a lockbox at home. I have done this several times before even at this specific ATM. I pay for my coffee with my card and then went to the XXXX stand alone ATM and started to withdrawal {$400.00}. I went through the entire process of talking in my pen and selecting the amount and so on. Everything went fine until it was time to dispense the cash and a message popped up on the ATM screen stating " there is an issue with this transaction someone has been notified ''. I I took my card and looked in the cash area to see if I could still pull it out or if it had given it to me and the door for the money depositor would not open nor did I hear anything being dispensed. I figured I would not be charged for this transaction but it only took about XXXX seconds for me to get a notification saying that it had been taken out of my account. I contacted both financial institutions, but XXXX themselves it refused to do absolutely anything for me including give me a different number to talk to someone. The transaction went from pending to approved after a few days and I was able to file a dispute. It only took about 3 days and my dispute was denied. This is half of my paycheck that I have worked very hard for and {$400.00} is a huge amount of money to wrongfully be taken from you. I have rebutted this dispute again but I plan to take whoever I need to to court to sue them for emotional distress and get my money back. I've never in my life that this would happen or that it would be so hard to get my money back if something like this did happen. It is very obvious if the video is looked at that the entire time I was in XXXX I did not have cash in my hand nor was I giving any cash or used cash at any point. The investigation needs to be looked in better and I need to get my money back.
07/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11377
Web
On XXXX XXXX at XXXX while working with my Chime back card in my wallet. I began to get alerts from the Chime secure portal that my card was being used at an ATM. I went in and cancelled the card immediately and recieved a response that there would be no fund taken from my account. I called chime and made a report of this. The operator began to make notes of my issue and I was told that these charges will be taken off. The next few days I was hit with transaction fees and the fees for withdrawls from an out of network ATM. There was first 2 attempted charges from XXXX XXXX one for XXXX then XXXX and 3 miniutes later 2 attempted withdrawls from XXXX bank for XXXX. From using the protal I was garuneed to block all transaction yet when I went in to check my Chime account they had take the 2 attempts from XXXX and proccessed the fees. I immediately called Chime and they asked me to submit all my information. I submitted all this information that I have provided to you but Chime refused to take action however my charge dispute request was denied within 1hr. I asked to see the notes that were made on this so called investigation. At first they would not provide this information untill after 4 calls and speaking to many people I was emailed the notes on my account. CHIME lied and said there were no alerts, no warnings, nothing out of the usual and that these withdrawls look consistent to previous withdrawls. I bank with XXXX XXXX and have never been into a XXXX Bank. After finding out this lie I immediately went to check my end of the month statement. On XX/XX/XXXX I printed out my statement for the last month and there was 1 charge for XXXX but 2 transaction charges and my account was out of XXXX. A total of XXXX was taken from an ATM withing 4 minutes with 2 transaction at XXXX bank at XXXX which I was alerted to and assured there will be no withdrawls yet CHIME WILL NOT RETRUN MY MONEY. I made this known to CHIME they went in and changed my monthly summary to add these charges. I have the original prints and text of all these happenings.
11/09/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • SC
  • 29680
Web
Hello, I previously had an account with chime financial. On XX/XX/2023 my account was suspended because I received a deposit from United States Treasury Department also know as IRS. The Deposit amount was for {$50000.00} into my chime checking account. Inside of my chime credit builder account was {$490.00} balance from my employer check that was deposited on XX/XX/2023. Now on XX/XX/2023 I received a email from chime that my account have been CLOSED. Reasoning is that my account does not comply with the terms of the Deposit Account Agreement any funds in account will be mailed in form of a closure check. Then after speaking with chime supervisor she sent a email to the offline back office chime protection member I then get a email to send request documents that verify my deposit such as tax transcripts w9 also all DL SS all proof of identinty. The next email stated to re-enable account access and I should receive a response within 24-48hrs. I then received another email stating that I will receive closure checks of funds from both checking an credit builder account within 30days today is XX/XX/2023 it is way pass the time I have yet to receive my closure checks. I repeatedly sent the same email of verification they requested I have literally sent 47 emails an called/spoken to many chime members several times for weeks. In some emails I even stated personal information about my hardship this situation is causing me. Im a single mother of XXXX. And most of all Ive expressed why my closure checks should be expedited because my son has XXXX so his life medical treatment depends on this. Also on XX/XX/2023 some fraudulent activity within chime company went on with my account it was open for a few hours then closed which is extremely suspicious an bizarre. So now it looks like my account was closed on XX/XX/23 instead of XX/XX/23 even though I have proof from chime that my account was closed on XX/XX/23. It still 30 days pass the time to receive my money. 30 day closure checks time frame is chime policy. Please help me with a resolution.
06/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • IL
  • 60201
Web
On XX/XX/2023, I received an email notifying me that my Checkings Account with Chime was placed on hold due to unusual activity. The email requested that I provide written explanation, identity verification, and supporting documents in order to appeal this decision. I promptly responded to the email, providing the requested information as per their instructions. Throughout this period, I was still able to utilize my credit card without any issues. However, I subsequently received another email notifying me that my credit card account was also placed on hold. The email directed me to contact Chime Member Services for further assistance. Upon contacting Chime Member Services, I was informed that, for security reasons, they were unable to provide specific details about the account closure. Additionally, they stated that they could not review the possibility of reactivating or refunding the account until they received valid documents verifying the deposits made. They requested that I reach out to the source of the funds to verify the deposits and confirm myself as the intended recipient. Simultaneously, they suggested that I review the Chime Deposit Account Agreement. I promptly contacted Chime Member Services once again, and they provided me with a secure link to submit additional documentation for identity verification. According to their communication, I was informed that I would receive a response within four hours after submitting the required documents. Additionally, I appealed to Chime Review and was advised that I would receive a response within 24-48 hours. However, it has been three weeks since my initial contact with Chime, and I have not received any updates or information regarding my account status. Chime has alleged that I violated the Chime Deposit Account Agreement, although I strongly believe that I have not done so. There have been no instances of unauthorized or suspicious activity on my account. The only actions I took were updating my addresses and attempting to add my XXXX XXXX XXXX XXXX to my Chime account.
12/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • OH
  • 452XX
Web
opened a checking account with chime XXXX and made 3 deposits totaling XXXX also on XXXX i made a reservation with XXXXl to rent a truck using the debit card information given to me in the chime app. when i went to pick up the truck i was told the transaction was denied due to an issue with my account. i go to open the chime app on my phone and i receive a message telling me the account is locked. i checked my email, text messages and phone for missed calls. nothing from chime informing me why the account was locked. i call and speak to 5 chime agents and 4 supervisors and what it get from 1 supervisor is that i need to submit my government issued id and ss card and a bill with name and current address to chime support. so i emailed information to XXXX. this same supervisor said she would escalate the matter. i call back and reach XXXX a supervisor who says he could not see the information i emailed to chime support. but later in the conversation he claims he can see the info submitted but i had to wait for a response from chime support. XXXX i call and speak with XXXX whos says he could not see information that i submitted the day before and that i have to wait for a response from the chime support team. with each member of the customer service team i informed them of the fact that i made deposits to the the account and i want my money returned to me. i told them to close the account and simply return my hard earned money. i have never had an experience like this before with a financial institution. the money i deposited to the account i want it back and the account closed. i almost used this company for direct deposit. im so glad i did not make that move..... i have proof of the deposits made to the account. I want the deposits returned and the account closed. thank you to whom ever will be investigating this matter. XXXX XXXX UPDATE : as of XX/XX/22 the support/ review department is requesting i resend identification information and proof of address again after submitting the information 5 times to the review/support department.
11/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 95354
Web
My wallet and bag were stolen the end of XXXX. I called and canceled and reordered my cards and bought a new phone and decided to also get a new phone number. I called Chime, who I do banking with, to update my number so I could gain access to my account via the Chime App. They said the new number was associated with another Chime account so they needed proof it was my number now and requested I send an email with my phone bill, ID, and a selfie holding a piece of paper with the date on it. I did as they requested, multiple times because I am XXXX and had a hard time submitting the info correctly. I received my new debit card in the mail and called to activate it because my phone number still hadn't been updated. The customer service rep informed me that my funds ( I get a deposit on the XXXX of every month ) had been transfered to my Chime XXXX XXXX card, which I had never even used. I then ordered a new Chime XXXX XXXX Credit Card and was told it would arrive in a few days. I was still waiting for my approval from my identity verification to update my phone number and gain access to my account when I received an email on XX/XX/XXXX stating they were canceling the delivery of my card, followed by an email notifying me that Chime had decided to terminate its relationship with me, that my account had been closed, and that any funds in my account were non refundable. I called to inquire as to why this was happening and my calls wouldn't even go through, I had to go use a friends phone to even get someone on the line. Each call would either get dropped, I would get hung up on, or out of no where the static would become so bad i couldn't make out what they were saying. I called 8 times, each time every rep went in circles for the short time I had them on the phone. My deposit is being held and my account closed for absolutely no reason whatsoever, and with no explanation at all. It's the holidays, I have bills, and am about to be kicked out of where I live because I can not pay my rent because Chime is keeping my money. Please help me
07/31/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • OH
  • 44122
Web
In late XXXX, XXXX enrolled my checking account into a 2-day early paycheck program without my knowledge or consent. I noticed this and called XXXX to opt out of the program on the morning of XX/XX/XXXX. Calling was the only option available to opt out of this service. When I called, the phone menu had no options available to opt out of this new service that no one requested be added to their accounts. There were also no operators available at the time to assist me. I figured I would call back later to opt out, but then starting in XXXX I started receiving emails from Chime, some of which stated in the fine print that I was receiving them because I had an account with Chime. I never opened an account with Chime and suspect that XXXX has partnered with Chime to offer this new 2-day early pay service and has shared my personal information with Chime. I called XXXX and Chime yesterday, XX/XX/2021. XXXX only offered to opt me out of the 2 day early pay service and opt me out of all information sharing, but would provide no other information or help regarding the opened account with Chime or whether my information had been shared with Chime. When I spoke with Chime, all they offered was to have an investigator for a fraudulent account opening contact me over unencrypted email. They refuse to speak to anyone on the phone, but are requesting my full name, social security number, and birth date over completely unsecured email. The investigator did not email me until after midnight on XX/XX/XXXX. On the morning of XX/XX/XXXX, while I was contacting Chime again, I received an email and text message telling me that a debit card was on its way ( to where - I don't know because I did not open the account ). The activity on the account had clearly not been stopped or the account closed or put on hold, despite my call to Chime the day prior to state that the account was fraudulently opened. Chime and XXXX have been unable to assist me without me further jeopardizing my identity. XXXX and XXXX XXXX transferred money using the fraudulent account
07/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 452XX
Web Older American, Servicemember
On XX/XX/2023 at approximately XXXX PM I attempted to use my Chime debit card with XXXX to get a ride back to my hotel and the transaction was blocked 3 times by their security app asking me if it was me making the transaction. This prompted me to call customer service. Looking up their number on XXXX and clicking the link caused me to dial a scammer which I didn ; t know right away. I spoke to the scammer agent who got me to install anydesk then got on my phone claiming I had to " connect to their server '' to resolve the Chime security app issue. The agent then proceeded to " test '' my debit card by using the pay anyone feature of the Chime app to send {$340.00} twice to XXXX then another {$140.00} to XXXX. After arguing with the scammer and hanging up, the scammer called me back and their caller ID was set to show up as the correct number for Chime support. He was trying to steal more from me! I reset my phone and reported this to the real Chime support immediately and raised dispute number XXXX. I presented evidence to the effect that their security app failed to block the larger transactions although it repeatedly blocked transactions I made which were to reputable merchants and for under {$30.00}. Furthermore, Chime uses the same app to send 2 step security login codes which include their customer service number but the " transaction '' security warnings fail to include their customer service number. I pointed this out to them. Had their security app worked correctly, blocked these unquestionably suspicious transactions AND included their customer service number as with the security codes this would have been prevented. The scammers are still today operating under XXXX and answering as Chime customer support. I have filed two rebuttals with Chime under the same claim, both of which were denied. Their security app makes it difficult for me to use my account at critical moments yet allows scammers to remove large sums of money from my account easily. I'm asking for a refund of my lost {$870.00} under regulation E.
02/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 775XX
Web
On XXXX XXXX my chime checking account and savings account and credit card account got hacked at XXXX I get up for XXXX for work but I got up earlier at XXXX XXXX because I kept getting notifications about my account someone went into my chime account changed my telephone number in my account took all the money I had in my saving account transferring it to my checking to only transfer it to my credit card account and doubt all my money on crypto some company called XXXX XXXX I only found out what the company was called cause I did researched. Then they went back in my checking account and use my overdraft protection on some company called XXXX I immediately called chime and made them aware of the situation I had him freeze my whole chime account until I was able to verify myself. Chime then stated that they couldnt dispute my transactions until they clear so a couple days pass by the transactions cleared my account I call chime to dispute it the put a dispute on both credit card account and checking account the credit card account the said they found a error and gave me my money back the same day I did the dispute for my checking account literally XXXX that afternoon I received a email saying they found no errors occurred when I called the customer service number and spoke with a dispute supervisor he said there was definitely a error occurred and your account was hacked I just looked up the merchant and its a scam and he told me to resubmit my proof all the researching I did and information I had and he would do a rebuttal so they can reopen my dispute claim literally four days later the emailed again saying no error occurred but this is what I dont understand how can they give me the money that was stolen from my credit card account but didnt give me the money that was stolen from my checking account. They found a error on my credit card account but didnt find a error on my checking account Im not understanding. So when contacting chime the guy said that they couldnt help me anymore and they wasnt going to reopen my dispute
07/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • XXXXX
Web
On XX/XX/XXXX I went to check my balance for my Chime account. It said my user ID and password did not match, so I clicked the link to reset my password. I was sent an email that contained hey very generic message, stating that my account would be closed on XX/XX/XXXX Due to terms and conditions being violated. I am mediately tried to call but can not get through, you have to have a valid account. I sent several emails, I was told the same thing each time. They cant tell me how The terms and conditions were violated, they dont have access to that kind of informationthey cant tell me what transaction it was, the only thing that they could say is that the money from both my checking and savings accounts ( {$3600.00} ) would be sent to the address on file within 30 days. I contacted an attorney, she mailed a demand letter. They claim they have not received it. 30 days passed & on or around XX/XX/2021 I used my husbands information to get someone on the phone, this is where I was told about the check they supposedly had mailed out weeks prior, on XX/XX/XXXX in the amount of {$1700.00} to be exact. Shortly after I emailed again, and had a very failed attempt to contact them via phone as they had blocked my husbands account altogether. There is no longer an account tied to his number. This email asked me to verify my mailing address, and since I didnt receive that check, that they canceled it & that they were mailing a new one. Previous to the account closure my car had been used with two different merchants that I did not approve on three separate transactions. All three transactions are on the same dispute. They recently granted one in the amount of {$40.00} and claim that it was put back in my account, ( The same account they claim was closed ) denied the other charges stating no error occurred. I had zero notice of the closure until it was done I am unable to login to see my bank statements, transactions, and they had {$4600.00} ( including the credit from the dispute that was due to post at the same time of closure )
10/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CO
  • 80203
Web
Today, XX/XX/2023, I attempted to withdraw {$80.00} from my CHIME debit account using a local atm I have used many times in XXXX Colorado. I received an error I was unfamiliar with that said transaction not authorized. This was not a declined error as Ive had that happen before and needed to move funds. I checked my Chime banking app and there was no record of a withdrawal or a declined transaction. I went to another atm down the street, same issue, same error. Transaction not authorized. Additionally, other people came up to the various machines i tried and used them, no problem withdrawing money. I can not figure out whats going on. Nothing in the app : No withdrawal, No errors. I check to make sure I have transactions enabled, I do. Everything is fine and I have more than enough funds in that account to cover an {$80.00} withdrawal ( ~ {$700.00} in funds ). I call chime and the agent is less than helpful. He just keeps repeating himself that there is nothing wrong on their end even though he spent no time looking into it. He then mutes the call and ignores me a solid minute before hanging up on me. I call again and get a similar experience without the hang up. They just repeat and repeat the same script that nothing is wrong on their end despite not looking into it at all. Im unable to withdraw from a fourth ATM now. I decide to put it to rest for the day so I head home. I pass by a XXXX XXXX and decide to try once more to withdraw money. Im able to do so no problem. This atm was in a different part of the city and was XXXX XXXX branded. I dont know what is going on here but there is something happening with chime and allowing me to withdraw cash. Id say its the atms but there were other people using them no problem. Chime seemed to me very defensive and dismissive of this severe issue of me being unable to access my funds. I have not had an opportunity to try these atms again but Ive used them many times without issue. Ill be switching banks due to the apathy of chime but I do believe this should be looked into.
11/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • LA
  • 70126
Web Older American
On XX/XX/2023 I XXXX XXXX, XXXX XXXX used an XXXX atm in XXXX to withdraw money. I withdrew {$400.00} however the machine did not dispense my money! I immediately contacted CHIME XXXX XXXX XXXX, XXXX was told that the charge was pending and that Id have to wait 3-5 business days to see if The XXXX ATM Network would credit it back to my account. However on the third day I called and was told that the transaction had processed and Id have to file a dispute! I filed the dispute and within 2 days the claim was denied. I reached out to the XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX and advised them of this issue and it was then that the dispute department told me that CHIME NEVER CONTACTED THEM ABOUT THE ATM IN QUESTION NOR DID A CHARGEBACK AS PROHIBITED BY LAW TO LOCATE THE MISSING FUNDS!!!! I called CHIME support and asked for the documents used in the in the investigation. Upon receiving the denial claim XXXX XXXXXXXX and the reason for denial THERE WAS NO CONTACT WITH THE MERCHANT IN QUESTION NOR DID THEY ASK ME TO SUBMIT ANY SUPPORTING DOCUMENTS! I contacted chime again and had to creat a rebuttal XXXX XXXXXXXX dispute! MULTIPLE DISPUTE TEAM AGENTS AND SUPERVISORS informed me that I was eligible for a temporary credit! I called regular almost every other day most times everyday for at least three weeks! Upon the temporary credit due date I was informed that I was not eligible due to it being a rebuttal! I asked the representative to investigate and read the emails that chime had sent me confirming that Id have the provisional credit by the XXXX. Its the XXXX n multiple supervisors and agents can see that I am eligible for the credit and that it is showing bold red meaning it is overdue and shouldve been released! XX/XX/XXXX I am being told that they changed their policy and I dont get the credit! I shown and sent them multiple evidence of the promise from them to me reassuring me that the money would hit my account! Still to no avail all I received was apologies and sorries! Very disappointed n no longer trust chime!
08/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • TX
  • 76543
Web Servicemember
XXXX, the parent bank of Chime who I am currently with, has locked my account and will not unlock it. I changed my phone number on my Chime account Wednesday XXXX XXXX at XXXX XXXX and it instantly locked my account for a " matter of security ''. I received emails saying my account would be locked and until I submit the required documents, I would have no access to my debit card, my login information, as well as any direct deposit deposits coming in would be ejected and sent back to the issuer. I supplied the prof that Chime asked me for the same day and was told over the phone that within an hour my suspension would be lifted and account back unlocked, as I pleaded for them to unlock it as I am to be paid on Friday XX/XX/2022, and I had bills that I needed to pay as they will be shut off and I am the only one in my household with income to cover the bills. I was assured that they received and verified my information was good and that it would take an hour and then it would be lifted. Several hours passed and I consistently kept calling and I kept getting the run around. I was eventually told it would take 24-48 hours. Friday XX/XX/2022 came and it was still locked. They have held my money and I can not but the medicine I need for my child or husband, as well as they told me that now they don't have a timeframe and they will fix it whenever they can. Today is Tuesday XX/XX/2022 and my account is still locked and I have been told that there is no timeframe that can be given to me and they will fix it whenever they can. This is hugely inconvenient to me as I now how have to open a new bank account with another bank so I can hopefully get my deposit next week and hope I'm not delinquent on bills. Chime has done nothing to support me and they have informed me that replies to their emails will further delay getting my application processed. I have given them more than enough time and it is ridiculous to hold someone's money and not allow them to make purchases or get their paychecks all because I changed my phone number.
09/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 120XX
Web
On XX/XX/2020 I filed a dispute in writing that was submitted to Chime Bank regarding a merchant not providing a service that was paid for for a total of {$5400.00}. After 91 days, at XXXX on XX/XX/2020 I received an email stating that a determination was made that no error had occurred. This alone has exceeded the 90 day time frame allowed for the bank to investigate the error. Further more, a dispute against this merchant was filed at the exact same time, for the same reason, with the same evidence at my other financial instituion. This claim at the other financial institution was found in my favor in only 45 days. Chime bank made no attempt to ever reach out to me, ask me any questions, and waited until the last second to send me an automated email at 21 minutes before 92 days had passed. This egregious behavior must not be allowed to continue as further investigation has showed this to be a repeated problem Chime Bank customers face when having to dispute a charge. I find it especially troublesome that my other financial institution was able to resolve this matter in my favor, in a reasonable amount of time, while Chime bank has done absolutely nothing. After contacting the merchant, they have no knowledge of there ever being a dispute from Chime bank, meaning the bank outright lied about the investigation even taking place. Furthermore, a manager at chime phone support dispute team told me they didn't even have to do this, and it was merely a favor they were looking into the charges disputed. I reached out to chime over 30 times and never once did they ask any questions or even allude to what was occurring, simply that XX/XX/XXXX there would be an answer. It is important to note that I was originally told by Chime the dispute would be resolved by XX/XX/2020 ( I have attached a copy of this email as well ) If my complaint is not addressed by this company and resolution reached, I will move forward with my own legal counsel in resolving this matter, including a class action lawsuit against Chime, XXXX XXXX / XXXX.
06/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CO
  • 802XX
Web Servicemember
I have been participating in Denver 's Basic Income Project since XXXX of XXXX. This program is designed to provide financial assistance to homeless individuals and families. Denver Basic Income Project directly deposits a singular monthly payment into my Chime Checking account on or before the XXXX of each month. Every singe month prior to this month, XX/XX/XXXX, my payment from Denver Basic Income Project deposit appears under the name " XXXX ''. My DBIP payment arrives a few hours before I receive both en email and a text alerting me that my payment has been released by DBiP. I've been a customer of Chime for years and 100 % acknowledge Chime customer care is a crapshoot- some times you receive actual assistance, but 95 % of the time you're just going to receive repeated responses with no assistance provided. When inquiring about direct deposits they shamelessly repeat, " You should contact your employer. Chime makes funds immediately available to you once they've been received from a source. ", and " I've looked at your account and don't see any firect deposits posted. No worries! Once they arrive the funds will be immediately available. '' I ask them to read my messages snd review my screenshots all to no avail. The chat with XXXX was from Today and he couldn't tell me what happened. I've been without food fo over 48 hours. I am starving. I've been anxiously awaiting this payment. I immediately detected trouble when I received the DBIP payment notification prior to receiving any of the funds. Absolutely none of the Chime representatives will do anything beyond reading a script. This is the final straw for.me. Chime has been great at times, but I don't want to go hungry/starve while witnessing their indifference. I would not recommend Chime to anyone and will actively work to prevent friends and family from utilizing their services, or lack thereof. If you'd like to see the evidence for the rest of the years payments, I'll gladly send them in. Please let me mw know if you require any information from me.
09/03/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • MO
  • 658XX
Web Older American
Approximately XXXX I received an email from Chime Bank saying that they had found an unused account in my name and they needed copies of my ID my social security card and proof of where I live. I submitted everything they asked for and then on Wednesday the XXXX of XXXX they locked my account without warning. They sent an email that said I had used the wrong PINto many times ATM the and I needed to call so I did. When I spoke to the representative they informed me that it was because there were two accounts in my name I had already submitted all of the information they asked for and they had not said another word about it. I live on a social security check I'm a widow I'm disabled and elderly. Because they've done this without cause I now have the burden of paying late fees to all of my creditors. I have talked to the company and I've gotten several different people one of them told me that they could completely close my account for having two of them I explained to him that at one time I was going to use their bank but decided to go with another Bank and had completely forgotten about the original account. I asked him if they could transfer my money to another account with another bank and they would not tell me. I haven't been able to pay my rent go grocery shopping pay my utilities, nothing I don't know where else to turn. I know I wish I would have never opened that account. One of the representatives told me that they could actually close my account without warning and then they would have to mail me a check after they got it resolved and that it could take weeks there are no transactions that would cause a person to think that I was trying to do anything illegal with the account. I asked him if I can find out what my balance is and I was told no I could not. Please if there's anything you can do to expedite this so I can pay my bills this month all of your help would be appreciated. My name is XXXX XXXX I live in XXXX MO. my phone number is XXXX my email is XXXX XXXX. Thank you for your time and your help.
11/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 78501
Web Older American
I purchased what was described as an ONLINE XXXX service from a company described to me as an Online XXXX XXXX XXXX XXXX, and when I rceived the link for the business which i paid {$140.00} for, it was not as described. They had a 30 Day money back guarantee, and it was because of this that I felt secure purchasing the program. I used a Debit card provided to me by Chime for the purchase, I complained to chime within 7days that the item I received was not as described. i was surprised that Chime denied the claim without even stating on what Grounds the claim was denied. The company misrepresented themselves and the Service they were providing to me was XXXX XXXX XXXX /A XXXX XXXX instead of an Online XXXX which they said they were offering me. They sent me many links to webinars and i asked many questions before send ing the payment and not once did they say it was XXXX XXXX. They constantly said its XXXX XXXX XXXX or while on vacation just using your phone for a few minute per day which is what i wanted. Plus they said a few hours a day and you could quit your job with this Online XXXX because of the money you would be making. I asked several times if I had to sell anything and what prouct it is, and they always responded to me that no selling was required. They do most of te work for me, but when i received the link which directed me to the webinar, it was not as described. It was XXXX XXXX/ XXXX XXXX. I immediately Contacted CHIME about the matter and they quickly denied my claim. i am on Social security and i felt scammed. I dont think people should get away stealing other peoples hard earned mone, so I filed another claim to CHIME and within 48 hours they once again denied the claim which i hardly believe they reviewed thorougfhly. I am appealing bto you to kindly assist me with this matter, because CHIME does not seem to care about helping their client. They sem to be more interested in siding with the Vendor for whtever their reasons. Thank you for you kind assistance. } Sincerely XXXX XXXX
05/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 48312
Web
So on XX/XX/2022 i was in the process of transferring XXXX payments of the amount of $ XXXX from my XXXX onto my chime online banking account to pay my bills online. But somehow while the first transfer of {$510.00} was in the process of depositing. I also did another transfer for the anount of {$500.00}. XXXX stated that it was going to take up to 3 business days for the payment to be posted. So i waited to make sure its posted so i can pay my bills. Then when i check on XX/XX/XXXX, there was a charge of {$500.00} being done at XXXX on the XXXX and a charge of {$500.00} being charge at another XXXX without me knowing until its too late. I thought that my small wallet and phone was stolen when i went shopping with some friends and i told the rep i called for a dispute of the two transactions. Later on Ive located my belongings as it actually fell in the crease of the car seats. I did noticed that my phone had a lot of weird scam calls and texts from weird numbers. I later realized that my phone have been hacked somehow and my cards was skimmed. There was a time i remember there was a lady who asked to see if i can give her my phone to make a phone call as she didnt have her phone. I gave it to the lady without thinking much of it because its just a phonecall. At that time i just had my chime card and i had it in my wallet with some of my other cards. My credit card had been used as of fraud as well and im still ongoing investigation with them to get my money back because i just paid off my balance. I do not find any reason to use soo much money at a XXXX when i can just shop somewhere else. I do not have any evidence that will back up my dispute but my dispute had been denied 3-4 times as they see no error occurred when clearly there is. I had to do a fraud alert and freeze my credit just in case any suspicious activity happened again. Please help me onto getting back my money. This is my hard work of 2 weeks pay. I also did contact XXXX and they couldnt even help me onto getting my refund. Please help me.
10/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • FL
  • 322XX
Web Older American
I opened an online Checking Account with Chime in XXXX, 2019 and in XXXX, 2019 I opened a XXXX XXXX Account. Every month I was missing money from my accounts. Every month I couldn't get my account balanced. In my bank online Bank XXXX, the Account Summary never was filled in completely and it never even balanced with my Account Transaction Histories. I had to use my receipts to check my Account XXXX Histories, which were correct, but the Account Summaries never were, and that's the information the computer gave as my balances in my accounts! Every month I reported this to Chime. Every month Chime 's customer service told me in emails and on the phone that they would look into it. Everytime I would followup on my complaints, I always got another person and I would have to explain all of it again, and again ... Every month I complained about that, too. Everybody was always going to " ... look into it ''. Then, after I opened my XXXX XXXX Account, I started missing money from it, too! I thought by opening that account I could just stash more of my money in that account instead of leaving it in my Checking Account, where I was missing money all the time. However, the same thing happened in my XXXX XXXX Account, too, and I was missing money and I couldn't get that account balanced either for the same reasons. Every month the problems escalated. Then, Chime locked my account and I didn't have access to my money and direct deposits were being sent back to the depositors, etc., creating even more problems for me when I had bills to pay, too. I was told my complaints were escalated and that the customer representatives escalated my complaints XXXX sent them to their XXXX XXXX in California. I never git contacted by anyone from California! I asked Chime to close my account. They finally did but it's been 8 months now and I still haven't been compensated for my missing money, which their employees computed to be {$12000.00} through when my account ended, nor did Chime send me my money from both of my accounts.
09/20/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33024
Web
On XX/XX/2020 at approximately XXXX XXXX I received a notification from my chime account stating XXXX was removed from my account at an out of network ATM. At this time I was at home and my card was in my wallet. I immediately called Chime customer service to inform them them that I didnt not make that transaction, I was told I had to wait until the transaction was no longer pending to file a dispute. I asked the agent why wasnt this transaction flagged due to the fact that It was unusual activity, I rarely remove money via an ATM and especially not that large amount and was under the impression there was a {$500.00} daily ATM limit. Agent could not provide me with an explanation as to why my funds were not protected.I asked the agent where was the ATM located that was used so I can file a police report. I then called XXXX police department to file a report. On XX/XX/2020 the transaction finally posted and I was able to file a dispute. I provided Chime with the case number the detective gave me and a written statement of the events that occurred that day. I also informed chime that my card was definitely on me and I have not shared my pin with anyone. Because I am a single parent I called Chime asking when will I receive my funds back I have to care for my children. I was told I would be receiving a provisional credit on XX/XX/2020. It was extremely hard for me to wait because that was all that I had due to the pandemic so I called XXXX to file a complaint about the wait time and was unable to be assisted.On XX/XX/2020 the day before Chime was suppose to give me my credit I received an email stating my claim was denied and no error occurred on my account. I immediately responded stating that is completely false and why did I file a police report if no error occurred. Its been weeks since this even occurred and I am in desperate need of my money back and dont know what to do. Im so afraid because now I think that the people that stole my Money are Chime agents and thats why they falsely denied my claim.
09/16/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 144XX
Web
On XX/XX/XXXX while banking with Chime I was the victim of fraud. A hacker posing to be with XXXX and claiming to fix my unauthorized charges. The hacker ended up withdrawing {$800.00} from my bank account through Chime. I immediately contacted a Woman from Chime Member Services to tell her what happened. She told me to fill out Customer Affidavit of Erroneous Transfer and fax it back to the claims department. I did so right away, I also included the phone number of the hacker as well as my account details showing where he took the money out put it back in and then removed the money. After a week I hadn't heard back from Chime so I contacted them through messaging through my bank app. I received a response that it was being reviewed and I would be contacted within 10 business days. On XX/XX/XXXX Chime closed my account without any further communication.I reached out to them by phone and my call went to a voice recording stating my phone number was associated with a closed account. I could not access my app. So I reached out this time through email asking why my account was suddenly closed 14 days after the fraud incident with no communication. Also on XX/XX/XXXX my only form of income my NYS unemployment payment had gone into my bank account a day earlier than the always Wednesday payment date. After my account was closed I immediately changed my form of deposit to another banking source. Unaware that my check had already been deposited into my now closed account, I gave NYS Unemployment the 5 days to make the change over. However this past week I received my current payment, and contacted NYS Unemployment who stated it was released on XX/XX/XXXX to the Chime account. I have received no answers from Chime about any of this, not the fraud, where any of my money is. Then lastly, today I was contacted by my internet provider stating that yesterday my payment to them of {$260.00} that I paid through my Chime checking account on XX/XX/XXXX to an agent over the phone was returned to them yesterday XX/XX/XXXX.
01/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • MO
  • 65802
Web
On XXXX, I received documentation from Chime ( banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that possibly indicated an account was opened up in my name. The documentation included a " Welcome to the Chime Family '' note, a tear off portion by XXXX XXXX XXXX to provide to an employer for direct deposit which included my pre-printed name, the bank name & address, a routing number, and an account number. The documentation also included a debit card associated with the account with my name and the number pre-printed on it. I did not sign up for an account at Chime and believe this is either a sales tactic used by them to try to get me to activate the card ( and subsequently the account number listed ) OR I am the victim of possible identity theft and someone has opened up the account using my information. I reached out to their Customer Service via email numerous times on XXXX in an attempt to verify if this was merely a sales tactic or if there was an account opened up with my information. A Google search indicated numerous people have had this same issue and most have had issues with getting Customer Service to cooperate. Numerous responses by Chime wanted me to log in to the app and use the chat feature ( I'm not a member so I don't have login information for me to do that ) and/or send them a photo of my government-issued id, the last four of my SSN, and a selfie of me holding the government id to verify my identity. I did not provide them this information and notified them the reason ( that I'm not a member [ or if I am, it's not legitimate ] so my information shouldn't be in their system for them to verify my identity ). This correspondence back and forth went nowhere and I still don't have an answer to the simple question - sales tactic or actual account. I've reviewed my credit file and neither Chime nor XXXX XXXX have made any inquiries nor is there an account listed. I've placed a fraud alert on my credit file just in case and will monitor for activity from these companies.
08/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30294
Web
XXXX XXXX XXXX XXXX ( 0 minutes ago ) to me I am writing to express my concern regarding the current status of my Chime account and the apparent withholding of my funds. I decided to open a Chime account to receive direct deposits from my current job. On XX/XX/2023 I got an email stating that my account with chime was closed. After contacting them they told me that I violated the deposit account agreement and that they could not disclose why my account was closed. There has never been any fraudulent activity on my chime account. I contacted them multiple times, only through email because they did not have a phone number for me to talk to a live agent at the time. I was told in an email from chime on XX/XX/2023 that within 30 days of my account closure I would receive a closure check. 30 days passed, I was never sent a check, nor did I receive any confirmation from Chime that a closure check was sent. After contacting them again they continued to give me the run around and say that they need more documents even though I had already previously sent documents verifying my identity, home address, proof of my deposits, etc. On XX/XX/2023 I sent one final email with all of the documents once again that I have already sent them multiple times. After days of waiting for a resolution to the problem that I have been dealing with for over a month with chime they stated in an email on XX/XX/2023 that now my account is no longer eligible for a refund. So, they are refusing to give me my funds that I legally worked for. I reviewed the terms and conditions of my account agreement and didnt see anything that I violated. They never gave me any proof on the closure of my account and why it happened. I kindly request a detailed explanation for the withholding of my funds and a clear timeline for their release. Chime did not do their part in solving any problem I had with them and they have continued to withhold my funds without any legal action. I believe in a fair resolution and hope to resolve this matter promptly.
07/17/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • OK
  • 73127
Web
I had received my social security back pay on XX/XX/ and was going to use it to purchase a vehicle. I searched for chimes website and contacted them via the phone number on the site. I spoke to a representative named XXXX XXXX, in an attempt to increase my debit card limit to purchase the vehicle waiting for me at the dealer. XXXX had stated that accounting needed to verify funds to raise my point of sale limit on my debit card, and made 2 transfers of {$2500.00} each totalling {$5000.00}. One payment went to email address XXXX and the other one went to XXXX. at the same time 2 other debit card transactions came through. One for {$500.00} and one for {$1500.00} to XXXX. After spending 3 hours on the phone with XXXX, who was " working with accounting '' to put the money back in my account, and ended up giving me the phone number to their accounting team. That phone number was chimes REAL number, where they confirmed no chime representative was in my account before that. XXXX stayed on the phone during this, and the chime rep even spoke to XXXX, who was confirmed to be impersonating a chime rep, buy the real chime rep. They assisted in disputing the 4 transactions, neglecting the information i provided about the fake rep/site. They were originally all denied. I reached back out and resubmitted the information, making sure the rep put it all in, and they have only credited back the {$500.00} and the {$1500.00} debit card charges, but denied the {$5000.00} dispute saying the reason being " no error occurred ''. All 4 transactions occurred at the same time, and I don't believe chime is handling this appropriately. I have provided them with the police report 3 different times, and was told by 3 separate reps that the {$5000.00} was PROMISED to me by XXXX XXXX XXXX, and was denied with the reason being " no error occurred '' via email on XX/XX/. I am XXXX, without a home or a car and was desperately needing this money to get back on my feet after leaving a highly XXXX XXXX and trusted chime with my funds.
09/06/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • OK
  • 730XX
Web
My paycheck comes on Monday or Tuesday night late it is submitted on Saturday night or Sunday over XXXX XXXX weekend on Sunday I received I believe the first text saying that I had 2 accounts and they need verification that I am who I am. I had ordered a chime account they sent a card I lost it I ordered another one. They did not cancel the old card but rather kept the {$570.00} on it and issued a new card along with my credit builder card which I activated at approximately the same time since they did not cancel and transfer the old card it made me have two accounts and the representative I talked to told me it was on chime and that they had made the mistake they asked for my ID proof of residence social security card signed. I sent all of that in and still have not got my account unsuspended. I replied to every email along with sending emails and called nine different times I'm not getting anywhere I face eviction court in the morning because my rent is not going to be paid due to the fact that my direct deposit is not accessible and the old part of XXXX is not accessible and hasn't been for months when I called to see what was going on and why it wasn't transferred that's where I got the explanation and then they suspended my account for having two accounts. I have not had water for a week and I'm facing eviction now and not a XXXX to my name because they will not unsuspend my account and return my money or just return my money they can not help me over the phone they say they don't have the equipment or means to receive the things they need over the phone even though it says in the email to provide the information in the email and then call customer service the email says to provide what they need and then call customer service which I have done numerous times nobody can help me and my money is not being released and my account is not being unsuspended and all this because of their error I have a XXXX XXXX XXXX daughter and I'm about to lose my house I think this is means enough to contact you
07/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MA
  • 010XX
Web
On XX/XX/2023 I notified chime of 10 unauthorized debits totaling {$3300.00} from XX/XX/XXXX to XX/XX/2023, at the time being almost in shock I was connected with a very nice agent to help me through and file a transaction dispute for these charges, after explaining and verifying what transactions to include in the dispute I felt a little better and less stressed thinking chime was going to help me the agent submitted the dispute and a new debit card was on the way, not even XXXX hrs later I got a email from chimes investigation department stating the investigation into the 2 yes 2 not the 10 I requested but the 2 unauthorized transactions had been investigated and deemed correct and no credit or refund would be issued, I immediately contacted chime and explained the first agent made a mistake and only disputed 2 of the ten transactions that I asked to dispute and by doing so may have impacted the investigation, so a new dispute was filed on XX/XX/2023 for what I thought was for all the ten charges, not even 2 hours after filling the 2nd dispute I got a email from chimes investigation department stating that the dispute filed on XX/XX/2023 for XXXX unauthorized charges has been investigated and they deemed the charges are my doing and no refund or credit will be issued, I then contacted chime and asked for documentation that supports their decision and proves Im responsible for these charges which I requested on XX/XX/2023, it is now XX/XX/XXXX and chime being able to investigate 10 unauthorized charges and reach a decision within 1 hour still hasnt sent me any documentation, I then explained everything to the agent once again and asked to file a rebuttal which we did and once again the agent failed to explain the first mistake made by only disputing 2 of the charges then 8 just filled a plain normal rebuttal stating I didnt agree with the decision, one day later both rebuttals were investigated and denied by chime and Im told thats final no more will be investigated and no credit will be issued,
06/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 330XX
Web
Hello, On XX/XX/2022 at around XXXX XXXX while I was at work, I received a notification that a {$400.00} atm withdrawal occurred from my chime debit card. The second I got the notification I locked my card on the chime app and then I got a second notification that another transaction of {$140.00} was attempted but could not go through due to me locking the card. I immediately called my bank chime and told them I did not authorize this transaction. In the midst of being on the phone I also verified that I still had my debit card. I spoke with XXXX at that time and she told me that she canceled my card and will be sending me a new one but that I had to wait until the transaction settled before I could dispute it. So I waited until Monday when the transaction finally settled and called Chime back and disputed the amount. Within a matter of hours they decided that the transaction was valid and that they were dismissing the case. Once I got that email that they were dismissing it, I called them back and they told me I had to supply evidence that could help support my rebuttal. Im not sure what information they needed so I wrote them a letter of what happened as they requested. They opened the case again then denied the case again same day. I sent them photos of how far the location was from me ( which is about 45 minutes away ) and they still denied my claim. I have most recently sent them my time card with my clock in and out hours proving I was at work at the time the transaction happened and they are still denying the claim. Theres no way I could have done this if I was at work. I can not be in 2 places at once. I never even been to the location the transaction happened. I have been trying to contact the owner but to no avail. My next step is to drive down there and see if I could get some footage of whoever was making a transaction at that time, but I should not have to be the one to do all of this investigation. A bank is supposed to protect my money and they are not. I just want my money back!
04/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 90029
Web
I would NOT rate this " bank '' a single star if it were possible. The fact that Chime claims that its " top priority is protecting [ their ] members that starts with keeping [ our ] information and money secure '' is already a false statement. On XX/XX/XXXX at XXXX PM, a total of {$300.00} were withdrawn from my checking account at a XX/XX/XXXX ATM machine in XXXX, CA. After receiving alerts on my phone about the transactions made, I immediately locked my debit card, called Chime customer service and was told to call back after the transactions had posted. Once they stopped pending, I called customer service again and filed for fraud, as I did not authorize the transactions. I had also requested a temporary credit as other banks do to assist their customers with fraud claims, however, they declined to do so. Chime responded to me via email on XX/XX/XXXX that after they " made a final determination regarding [ my ] claim, '' Chime bank " concluded no error occurred '' and " no funds will be credited to [ my ] account and this claim is considered closed. '' As their member/customer, I was not happy with their decision and immediately called to reopen the claim. To further help with the investigation, I emailed Chime on that same day ( XXXX ) at XXXX PM with attached photos of my location during the time the fraud incident occurred. Chime neglected to further investigate and stated the they " stand by [ their ] initial decision '' ( XX/XX/XXXX, XXXX PM ). Chime emailed on XX/XX/XXXX at XXXX AM stated they would be " happy to send [ me ] the documentations used in [ their ] investigation, '' which I immediately requested and was told I would receive the documentations within XXXX business day. It is XX/XX/XXXX and Chime has neglected to send the documentations as requested and continue helping me as their member/customer. I now refuse to continue using Chime " bank '' for any financial needs. I opened a new account with another financial institution and consulted an attorney for this matter.
02/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 333XX
Web
Hello, I originally made an appointment for a manicure pedicure with XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX at XXXX. XXXX hours before the appointment I sent an email canceling my appointment on XX/XX/XXXX at XXXX XXXX. Their policy states that if you cancel with a less than XXXX hrs notice, they only charge half of the total cost. The total was {$130.00} so they should have charged {$67.00}. On XX/XX/XXXX around XXXX I see a charge on my card for {$130.00}. I called the nail salon to see if they could rectify their mistake and they were very XXXX and said that my email went to spam folder so they didnt see it and they refuse to refund me the {$67.00} they unauthorizedly charged. They charged my card in XXXX which breaks their policy. When I put my card number I did it based on this policy so this nail salon is committing fraud. I contacted my bank CHIME Multiple times through phone calls and mail and after sending proof like my email canceling the appointment and a screenshot of the nail salon cancellation policy they denied my claim XXXX. I asked for documents stating why they denied my claim and all they sent me is an email with some illegible handwriting. I called chime again and the team member couldnt even read the explanation. Just said that it was denied and he had no more proof. The first email I sent to chime with proof for dispute process was on XX/XX/XXXX after finding out my claim was denied. The second email with the same proof was sent on XX/XX/XXXX I think it is unfair for the nail salon to break their own policy and charge my card for an unauthorized amount. It is also very upsetting that Chime hasnt been able to solve my problem after evidence from my side was provided, and they havent been able to provide me with any substantial evidence of why it was denied. Attached is the cancellation email I sent and a screenshot of the salon policy. Im also sending screenshot of my claim being denied twice and the investigation result sent by Chime. Thank you, XXXX XXXX
04/07/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IL
  • 60504
Web
XX/XX/21 - my chime bank account was fraudulently charged more that {$500.00} in charges at an XXXX in XXXX. I called bank right away and informed them the charges we not mine and they automatically deactivated the debit card and issued a new one stating that they could not dispute the charges until they had actually posted onto my account instead of just in the pending status. They assured me that they would do everything they could to help me and I transferred out what little bit of money I had from my spending account into my chime credit builder account which was {$380.00}. I changed my passwords and everything I could to try to protect my account once more. XX/XX/21 - I receive a email from Chime saying that they have closed all of my accounts and no reason why besides they didnt like the activity that was on my account. I tried calling the one 800 service number and the service number said since my account was closed I had to email chain support. Email try support and Chime support said I need to call the one 800 number. I emailed back and said I couldnt call the number because I couldnt past the your account is closed please email XXXX I tried hitting all kinds of other prompts but I still got the same response. I emailed the child support back back-and-forth for five times asking them to please call me I wanted to know where my money was why my account was closed and what was going on with the fraudulent charges I need to be reimbursed for those those were not my doing. The very last email I got stated Thanks for reaching out to Chime Member Services. XXXX here again, I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. Please let me know if I can assist you with anything else. Thanks, Chime Member Services And I can not get a response since then so not only did chime close my accounts they also have all of my money and wont communicate with me about it at all.
02/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 99202
Web
Early XX/XX/2020 Transactions ( from XXXX ) were charged through financial debit card ( Chime ) attached to XXXX account. I contacted the application developers where my statements displayed that the transactions took place. I let them know that permission was not given by myself for the transactions that were made and requested a resolve for the error. The developers teams assured me this would be taken care of as soon as i provided the transaction dates, time, amounts, and the transaction ID 's. I supplied this information immediately. The reply i received stated that charges would be adjusted in 24-48 hours and that I could expect to see the charges returned in 5-7 business days dependent upon financial institution. After 7 days i contacted chime customer support to be told nothing had been credited- I then went back to the developer and they said they needed me to supply the information again- I proceeded to supply information again in the format they requested- once again was told they would take care of it and they would escalate the matter due to it being clearly stated in previous communication that it was going to be taken care of. 7 days go by with nothing being adjusted again. Now being Late XXXX XXXX is claiming its outside of time frame even though i started this process within the time frame, i then proceeded to contact my Bank through chat support and filed a claim through them supplying the same information. Chime opened a claim made the provisional credits roughly 2 weeks later. Upon this happening XXXX deactavated my XXXX play account in response to this claim. XXXX claimed just as they had said prior that they would have adjusted transactions which was clearly another person not wanting to deal with an issue. Aside from this Everything went along smoothly until XXXX XXXX each transaction was recharged to my account when the EIP round 2 was direct deposited. Chime has not responded to my inquiries on the matter for over 30 days and account remains in a negative balance.
12/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MO
  • 631XX
Web
I was physically attacked on XX/XX/2022. My purse and keys were stolen during the attack. During the attack, they took my phone in my purse with all of my identifiable information in it. I used someone else phone to contact chime customer service to deactivate my cards but they refused because they said I could not authenticate my account. The Chime customer service rep had asked me to verify XXXX transaction from that day. I knew I had just gotten paid so I advised him of the amount of my check. And he said that he could not find the transactions. I attempted to call back and do the same thing twice. But they would not allow me to do so due to issues with the authentication. I was not able to file a dispute until the XXXX when someone was able to finally see the deposit. As a result, all of my money was stolen from the account. I submitted as much evidence as I could including a claim ID for the police report and my work schedule with the clock-in times. I believe they decided this was not sufficient because my job is based in a different time zone. I have to be at work at XXXX XXXX mountain time which is XXXX oclock central standard time. Also, the representative that without the dispute included transactions that were automatic payments for some of my bills. When I ask her to fix it she said that she couldnt because it would automatically be denied my claim and I would not be able to Refile it. I had sent it to reach out to the merchants that she was not supposed to include in the transactions but it still resulted in my revolving account being shut down. I believe lithisbis the reason that my claim was denied. I also included a rebuttal asking for the claim to be reopened. I also asked for documentation regarding the dispute which they refused to give me. When I emailed the dispute specialist was informed that she could have noted the account so that the claim could have reflected my statement regarding the automatic transactions. It's been a nightmare trying to get my money back
08/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 95823
Web
It is XX/XX/XXXX, i get paid. My first XXXX on chime and its only {$200.00} because i wanted to see if chime was trustworthy so i set my XXXX to {$200.00}. I make a transfer to my savings, {$75.00} then i buy myself a water at XXXX since i live across XXXX XXXX from it. I lost my card at the same XXXX and XXXX hour and later i get charged {$57.00} by XXXX and i know i only spend {$2.00} or XXXX on the water so theres no way i should get charged {$57.00} right? I call chime customer service and explain this to them, they disregarded my complaint as an issue and i had to get connected to another customer service associate after being hung up on. This 2nd associate was able to provide me with help and started a dispute for me. I had submitted timestamps of where i was with the help of XXXX showing iwas indeed at XXXX at XXXX to make the transaction for the water but i was home during the {$54.00} transaction. Another reason i am making this complaint is because chime refuses to start my dispute for {$150.00} for a transfer to my CLOSED XXXX XXXX account that was not made by me. This is XX/XX/XXXX and im getting continuous emails at this point about new locations and devices where my account is being accessed so when i wake up to this my first instinct is to check my chime account,... i went from $ XXXX {$0.00} so my initial instinct of course is to change my password. Done. The very next day i had a fraudulent atm withdrawal for {$200.00} which left my account at {$1.00} after they had transferred {$180.00} out of my chimes savings account. This entire experience with Chime has left me wondering if ANY bank has security features AT ALL ... I used to be a satisfied customer up until all these fraudulent charges, although i am okay with them happening becausei i know my bank has my back i know that CHIME as a financial service WILL NOT have my back, side with me or help me get my money back. I filed a police report and i am writing this complaint as a final hope to reclaim my stolen funds.
10/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 75216
Web
On XXXX XXXX XXXX I made a payment of {$700.00} for a booking on XXXX for the dates of XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. During the stay I had a couple issues with the lease hoder and the company themselves. For instanse, the neighbor next door made the stay a lot worse on the XXXX during the stay, when a party was taking it's lead to bigger factors involving illegal activity. XXXX XXXX XXXX ( XXXX ) arrived to the location of the unit and ceased the event, but XXXX it resumed again with heavy traffic and loud noice and of course i reached back out to the host and I made another call to reported to XXXX. Every time I reached out to the host. I was ignored, felt like. Even though I was told if I needed anything they would be there to assist every way, however, the host was non responsive the entire weekend. XXXX evening, the host decided to respond to let me know that they will report the disturbance to the Building Manager. I explan to the host due to the disturbance, it deffiently made the stay change from leisure to restless XXXX and XXXX Even with the request for clean towels or to come clean the room, it was returned as if I was a bother to them. When I reached out to XXXX and informed them about the stay and that I wanted my money back at least, because for one the trip was a worse experience, especially with the lack of communication from the host and company alone. I explained to the XXXX that it wasn't right and that this isn't fair that I was ignored and that i didnt have any assistance with the concerning issues. I contacted Chime on XXXX XXXX to file the dispute. On XXXX XXXX, Chime requested for me to upload my supporting documents for the dispute. On XXXX XXXX Chime emails me and states that they have completed the investigation and that the charge was not an error. ( not exactly what I disputed as ). So I requested for Chime to send me the documents used inthe determination for the final outcome on XX/XX/XXXX. Without any more notice, Chime declines again.
03/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NY
  • 10458
Web
I usually transfer money from my XXXX account to my Chime account, only so I could use the Credit Builder account, their Checking and Savings are not really that relevant, but I still fund it. Today XX/XX/2023 I transfer {$9.00} from my XXXX to Chime. I received the funds in my Chime savings account and then transferred them to my Credit Builder account. A few hours later I noticed a sale on a website and they had some merchandise I wanted to purchase..I only had {$51.00} in my Credit Builders account which was not enough, so obviously, I needed to transfer more money from my Chime Checking account to the Credit Builders for my purchase. Went to the Transfer option only to get a glitch when I click on the 'Transfer ' button, for 3 minutes I am tapping the button and nothing is transferring, I closed the app and open it and still tapped the button and nothing is transferring. I decided to uninstall the app and reinstall the app to see if that would fix the glitch/bug. Now the problem is that I usually sign in to my account with my finger or passcode, except when you reinstall the app you must retype in your password. I totally forgot what password I used and my XXXX saved option that automatically pastes the info was not updated so it pasted the old password and I kept trying over and over thinking about what the password was. Anyway I reset the password thinking that would help, wrong, upon resetting it, I was hit with a verification check that Chime needed me to take photos and pictures of my ID card, now mind you I've already done that prior with a similar issue and they have my information on file with my state ID and pictures that is not even expired. I called in and spoke to someone who referred the case to upper management. The numbskull that works for Chime sent me an email saying to follow the info on the app to take pictures and my ID.. I'm not taking anything because they have all my info already, i sent a very vulgar reply back to them because it's nonsense they are doing.
11/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33014
Web
I received two packages from a clothing store, XXXX. I am a regular customer of this store. I received these packages for two separate purchases that were not authorized. I did not place those orders. They were charged on my checking account through Chime. XXXX. The first order was places at XXXX on XX/XX/22. The purchase included a {$150.00} gift card and a pair of mens socks. XXXX. The second order was placed at XXXX on XX/XX/22. The purchase included a {$150.00} gift card and a pair of mens socks. * Both orders were identical. I had XXXX on Wednesday XX/XX/22. I was not able to make purchases or anything due to the process of preparing for XXXX, etc. I calked Chime banking and informed them on Thursday, XX/XX/22 in the evening. Their investigation dept instructed me to upload documents and copies if the information from the orders. I did that. After submitting my case that evening, I received a follow up update email notification on the case stating there was no error found. I proceeded to call the vendor ( XXXX ) on the morning of XX/XX/22. They recommended I close my dept store card with them and change my passwords and Would try to place a block on the gift cards purchased. They were able to freeze XXXX of the XXXX gift cards. They recommended reaching out to my bank and attempt to get my money back. I even asked XXXX if they heard from my bank and they stated there is no record from XXXX reaching out to them. I suspect there was no investigation on Chimes behalf because they never called the vendor. Ive attempted to get my case opened and investigated 3 separate times with Chime and to no avail, Each attempt would only result in less than a XXXX hour response with a no error found outcome. The right thing to do is to return my money. I am turning to you to make this known. How can a banking service not have a proper investigation in place fir unauthorized charges? I also changed to another banking service fearing my funds lack security and proper security service.
11/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NV
  • 89121
Web Older American
This is a copy of the letter I sent Chime. They denied my disputes three times and each time I had to continually ask for a reason for the denial. One time I was told because I was in the same city as the charges, which was not true. I am in Nevada and the charges were from California, and another time the reason was because the card was in my possession. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 Chime Bank XXXX XXXX XXXX XXXX XXXX, CA Dear Sirs : I am corresponding regarding my fraudulent activities claim. I have had several fraudulent transactions posted to my account, generated from XXXX, CA. I reside in XXXX XXXX NV and am elderly and on a fixed income ( social security ) therefore I do not travel. I immediately called Chime when these transactions appeared. In fact, while I was on the phone with a customer service representative two of the three charges appeared. I also spoke with a manager from the dispute department at Chime and after reviewing everything, her findings were that of the cloning of my account. I was assured that this issue would be resolved and my money would be returned to me. I have received notice that my fraudulent claim has been denied and no one can give me a reason as to why. I have requested to receive a written denial several times to no avail. The fraudulent transactions are as follows : XX/XX/2022 {$27.00} at XXXX XXXX XXXX XX/XX/2022 {$200.00} at XXXX XXXX XXXX XXXX XX/XX/2022 {$160.00} at XXXX I would appreciate some help in this matter because as I previously mentioned, I am on a fixed income and am in need of the return of this money. I was in XXXX XXXX NV when these charges occurred. I was also on the phone with your representative when two of the charges went through. I trust that someone will get back to me in this regard as soon as possible. Please feel free to contact me at any time if more information is needed. Thank you for your time. I look forward to hearing from you. XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX
10/14/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • LA
  • 70460
Web
I was in the process of evicting due to Hurricane Laura and tried to book a pay at the property hotel. I booked the XXXX XXXX via XXXX and it was indeed a pay at the property hotel. Upon reserving my room the company charged my card which was against XXXX policy. I attempted to reach out to the company via phone on XXXX but was unsuccessful due to them disconnecting their phone line. I reached out to booking on XXXX as well and they was also unsuccessful with reaching them. So I filed a claim to cancel my booking through the company because they violated a legal policy by charging my card before I even got there. And again they was unsuccessful reaching out to someone at the property because they refused to answer the phone. I shouldnt have been charged anything thats the purpose of booking with the company I used for security purposes. Not only did they charge me before I got there but they refused to even acknowledge the fact they was in breach of contract with booking. I didnt stay at the property me and my family was evacuating from a hurricane and I believe this property was using that situation to defraud evacuees. Ive taken this matter up with our Attorney General and I would like to be refunded all of my money due to the fraudulent handling of this transaction. Im a XXXX single mom of XXXX and can not afford for anyone to scam and commit fraudulent acts against me Im asking for a favorable decision because they violated legal policies.I reached out to my bank ( Chime ) on XXXX and eventually I had to file a claim to get my money back. I provided them with my XXXX policy info the email from the hotel stating that I will pay at the property and their own company policy with XXXX that once again states that I would pay at the property. My bank decided that no error happened and is allowing the transaction of XXXX to be finialized even though 1. They shouldnt have charged my card. 2. I did not stay at the property 3. The literally violated not only XXXX policy but their own.
01/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30339
Web
Chime via XXXX XXXX closed my account on XX/XX/2022 as I was paying for a money order to pay my rent. They closed my credit builder account, savings account, and checking account totaling over {$4700.00}. I received a message stating the account was closed because of a violation of a XXXX XXXX which has yet to be explained. The e-mails state I shouldve received my closure check within 30 days but it has been 77 days and I am still receiving the same automated messages I received on XX/XX/2022. I have provided the correct documents to have my closure check sent to a new address, but there are new representatives sending the same automated emails for the past 48 days. 48 days is closer to 60 days than 30 days. I am getting the runaround as I have provided documents to the links provided by the XXXX XXXX ( most emails have blank links ). The customer service representatives mention they can not help and only the Back Office can assist, but there is no one to talk to. The closure check has not been offered to be sent via XXXX or at all. No associates are helpful via email, over the phone, or through twitter. They are GATEKEEPING {$4700.00} and gaslighting me via email by sending the same automated messages since XX/XX/2022. I have called XXXX times each day for the past 77 days and each representative states to email Chime Support and when I do I receive the same automated emails asking to provide the information I previously sent or telling me my account is closed for violating a Deposit Agreement which is counterproductive seeing that I am seeking my closure check to be sent via UPS ASAP!!! The company has failed to offer humanistic values and is GATEKEEPING {$4700.00} causing evictions and unpaid bills to pile up for the past 77 days. The agents are XXXX and talk in circles. XXXX agent stated that I would not get a check because the account balance was {$0.00} ( which means a check has been made ) but that spreads misinformation. With the foreign status of callers they lie often.
10/06/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30906
Web
I closed my account XX/XX/2020 and was told I would receive my check for balance in the account {>= $1,000,000} within 30 days. A couple days later I received email asking for me to provide source of my income. I provide the source of my income thru invoices which was stated in the email that I could use. I later get another email asking me to provide copy of my licences front/back as well as copy of utility bill in my name to verify my address. I provided the information thru email. Then I later recieve another email asking for XXXX and I provided that as well. I also received email XX/XX/2020 that I would receive my funds within 3 to 5 business days thru express mail. 3 hours later I received another email stating there was a hold placed on my account. On XX/XX/2020 I received email stating my account was closed. I don't know how because I closed the account on XX/XX/2020 and I also have the email that was sent to me stating I closed the account XX/XX/2020. I have been getting the run around about my money. Bank states I broke policy 9 which there's no policy to be broken in the section. The policy states that the bank reserves the right to keep any remaining balance thats {$1.00} or less left in the account. I have {>= $1,000,000} left in the account I closed. Well over the balance they allowed to keep. I have all emails that was sent to me at one point or another stating my check will be mailed out on this day. I have one email that says my check was being mailed out on XX/XX/2020. I also have email XX/XX/2020 that states I will receive my check within 3 to 5 business days. It all boils down to I was asked for documents, and those same documents I sent thru email to the bank. I did what was asked of me. It also states in section 9 that I must request that the remaining balance be sent to me. I did that as well and for no reason at all the bank still has my funds in there account. I have all emails I sent as well as all emails I received from the bank. All documents as well.
10/19/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 77041
Web
On XX/XX/XXXX my wallet was stolen at a restaurant. As soon as I noticed, I logged into my Chime app to turn off transactions. Upon opening, I saw that my account had essentially been drained in two transactions ( one for {$1000.00} and second for {$300.00} ). I immediately turned off the card and reached out to customer support to report the fraudulent transactions. The agent took my report but said a dispute could not be done until the transactions settled. I called on XX/XX/XXXX to check on the status because I noticed the charges had settled and was told that they would commence investigation for dispute once it cleared on their end. I hung up at XXXXXXXX XXXX and less than 2 hours later received an email stating that the investigation was concluded and that my dispute had been declined as " no billing errors were found. '' Shocked that they would make such a big decision in less than 2 hours and leave me broke, I requested a copy of the investigation results, which they are required to provide under the law. Multiple days later they sent me an email with " investigation results '' and when I opened it saw that it was a single page document titled " intake form, '' and only had the information for my original dispute. This proves no investigation was conducted. I called to request further information and the agent told me that Chime has a policy of " automatically denying '' initial disputes and advised me to submit an appeal. I submitted the appeal and was denied a few hours later, again. I requested the results of their investigation, which they are required by law to provide, and again, many days later received that same single piece of paper just detailing my dispute. Multiple consumer laws have been broken by Chime in this process by not conducting a good faith investigation into the claims, not following through with their zero liability for fraudulent transactions policy and then refusing to or being unable to provide me with the results of their investigation.
12/28/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98178
Web
I am XXXX and I applied for Washington state unemployment and I also applied for the SBA PPP program Corona relief program Earlier this year. After I waited such a long time 3 months or so, finally my Washington State unemployment was accepted and they paid me back all the back pay and the money was directly deposited from Washington state unemployment into my chime bank account sometime in XXXX and it was around {$14000.00} or so. And SBA PPP program also finally was approved and sent a direct deposit of {$10000.00} into my chime bank account sometime early part of XXXX. I also have been receiving weekly unemployment since XXXX by direct deposit and the money has been been depositing into my chime bank account which is now put on hold or Frozen. My chime bank account has been put on hold or suspended because they said that I needed to verify and confirm. I sent all documentation That verified and confirmed where the funds came from and also I have sent them the proper documentations to verify and confirm who I am when it comes to my ID my address etc that they needed and still they have not allowed me to access to my funds. I want to get my funds and close account As soon as possible. All the money that has been deposited in my account came directly from the SBA PPP program and also it came directly from the Washington state unemployment They can verify with the Washington State unemployment and also they can verify with the SBA PPP program. like I said, the money was directly deposited from those agencies into my account. I have sent them the documentation from Washington state unemployment and also I have sent them documentation from the SBA PPP program and still they have denied me access to my funds. I kept those funds in there since XXXX of this year and never took it out because it is the only way for me to make sure that the money is safe and I can't believe it they are trying to steal my money. please help me so this way I can survive during this pandemic. Thank you
02/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • KS
  • 674XX
Web
Opened a account with Chime Online Bank on XX/XX/XXXX and on the same day i linked my XXXX XXXXXXXX XXXX XXXX to my Chime account. So i did a money transfer of {$3.00} from XXXXXXXX XXXX to Chime. I was going to use Chime as my saving account. On XX/XX/XXXX i got an email from Chime saying my account has been closed, with no reason, from that moment i lost my login on the app and couldn't anymore access my account. At this point i was a little bit relaxed because i though my money would return to my XXXXXXXX XXXX account since i don't have Chime account anymore. But i was wrong, my money ended up at Chime. On XX/XX/XXXX i call the support to try to figure out my access to the app, no success. The person on the phone don't help me a bit, she told me everything would be done by email. After a few hours on XX/XX/XXXX i received a email from XXXX asking me a lot of photos of documentation. Here 's what they asked me : A new government-issued photo ID, such as a drivers license or state ID card ( front and back ). Secondary ID ( Social Security card or passport ). A new selfie of you holding an ID document and a piece of paper with your name and today 's date written on it. Written explanation : Tell us the origin of the deposit ( s ) to verify that youre the intended recipient. Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, etc. I sent them everything, we change more than 40 email. They have some kind of automatic email that was keeping ask me some documents that i already sent and every email comes with different person name, like there's not only one person was taking care about my case but they were randomly We kept on email deal until XX/XX/XXXX that's the last email they send me They don't tell anything, they just disappear I don't know what to do now, they have my {$3.00} and all my documents information Please help me solve this out. Im desperate!!! Thank you
10/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IL
  • 62901
Web
I recently got my debit card stolen at a ATM in which someone did a unauthorized transaction. XXXX XXXX {$180.00} plus {$2.00} ATM {$200.00} plus ATM fee {$62.00} AtM Withdraw plus XXXX fee. I reported my card stolen and filed a dispute. I filed dispute I did not let her the same day I thought it was pretty fast no way they could investigate it that fast. So I filed an appeal and a couple days after that I got denied so I asked for an explanation for both reasons why because there's no reason why I shouldn't have got the denied XXXX have disputed and appealed the transactions XXXX times and they steady keep me too following appeal. I have not received my credit I am eligible for because once they deny your appeal the 10 days starts all the way back over I notice XXXX will never get my credit if they keep denying me for no reason. I have asked for documentation for the investigation and they have not sent me any explanation only questions i answered for my disputes. Not only that I talked to an agent and they told me the reason why they are denying claims because they need more time to do the investigation but in the policy it says they have 45 days to 90 days to do the investigation so why are they denying claims just to get more time it is actually setting the customer back on their credit that they are eligible for I have proof of all of this. I have been talking to chime about this problem and all they say they can do is file a rebuttal I have done XXXX times and still no evidence to why I am getting denied I just want my refunds but they refuse to give it to me. They are not following their policies correctly.they also refuse to give documentation of why my claim was denied that is explained on the denial email I keep on receiving they refuse to give me the documentation I don't think they have it because it's been a month and a half and no evidence from that letter they keep denying my disputes with They shouldn't be denying my claim if they don't even have evidence.
07/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • CA
  • XXXXX
Web Servicemember
On Thursday, XX/XX/XXXX, I went to a cafe at XXXX XXXX XXXX in XXXX XXXX, CA. I needed cash to buy food, so I used the ATM located inside the cafe. I put my card in, did the transaction, and for the machine to dispense the money, I needed to take the card out, but because my nails were too long, I couldn't get the card out, so I asked the manager, but by the time he came over to help the machine timed out and no money was dispensed. I stood there and did the transaction again with the manager 's help, and it then said insufficient funds. I called the number on the ATM, they said it was the bank holding the funds ; they had nothing to do with the money ; their just providing the ATM service. I then called Chime, and the first three representatives weren't helpful, which upset me. I was not without money, no way to pay for the food I ordered and no way to put gas in my car to get home which left me stranded ; all of this left me embarrassed and humiliated. The fourth representative I spoke with told me to send in the receipts, which I did, and she filed a dispute. I did what she asked and called back Monday, XX/XX/XXXX, to find out no dispute was filed, which again XXXX me off. The representative saw the receipts, read the notes, and filed the dispute for me. I received an email the next day that said : We take disputes like yours very seriously, and we'll be in touch as soon as possible with an update on your case. I completely understand the inconvenience you are experiencing. We are working to resolve your case as quickly as possible. Based on the nature of your claim, we will complete the investigation no later than XX/XX/22. We will notify you by email as soon as the investigation is completed. I was livid, XX/XX/22 is 3 months. I have never experienced this, this is unheard of, beyond ridiculous, and unacceptable. A simple mistake of not taking my card out ; I work hard for my money, we are in the middle of inflation, and they're stealing from people. I need my cash.
06/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MI
  • 48507
Web
Since approximately XXXX I have had an online checking account with Chime, which operates under the banking authority of XXXX XXXX XXXX. Around the dates of XX/XX/XXXX to XXXX of this year ( XXXX ) I deposited 3 checks using the mobile deposit feature within the Chime XXXX app. These checks were drawn on my investment accounts with XXXX, which had an available balance to cover the amount of the checks. I needed to move money to my Chime account in order to pay rent. The Chime app stated that the checks would be available by XXXX the next business day, and I made arrangements with my landlord based on that assurance. However, despite that, only an hour or two before the XXXX availability time for each check I received emails stating that Chime would not deposit them, and they didn't provide any information as to why, or what the problem is. This brings me to my main complaint : shortly after the above events, I tried to login to my Chime account to deposit funds via other means, and I received an error stating : Your account has been closed. If you think this is a mistake, please contact Member Services at XXXX I tried to email that address earlier this month, but I did not receive any response. I received no notice whatsoever that my account was going to be closed, or even after it was closed. Nothing via email, postal mail, phone, etc. I was relying on the availability of my account to be able to deposit money and pay my bills online and via ACH, so this disrupted my life to a great extent. I filed a complaint with the FDIC against XXXX, who Chime uses as their banking provider ( case # XXXX ) regarding these issues on XX/XX/XXXX. XXXX sent the FDIC and myself a response stating that Chime would reach out and assist me with reopening my account, however that was not true. Chime never contacted me, and when I contacted them as well as XXXX about this, Chime replied stating that they would not reopen my account. So, XXXX lied to the FDIC in order to close the case.
09/05/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • PA
  • 166XX
Web
On the morning of XX/XX/XXXX I opened my banking app to check my exact balance before I made a purchase on XXXX. When I used it the day before I had {$4100.00} and some change, I didn't want to go too far below that. As soon as I went to open the app, it logged me out. I went to log back in and it said my account was closed. I instantly started freaking out. Doing a XXXX search of " Chime closing accounts '' doesn't bring up any positive news cause apparently they will close peoples accounts and withhold their money for no reason other than " their agreement ''. I originally sent Chime an email, asking why, as well as any supporting documents for all of my larger transactions since I figured that may be why they closed it because of my XXXX or whatnot. But I decided to call them to find out specifically why. You can not get through because the bot detects my account is closed and hangs up. Probably some of the most shady support tactics I've seen with any company. So I called XXXX XXXX. Upon reaching an agent, I confirmed my info and they said I have to talk to Chime. Originally they tried to give me a phone number and I said no that doesn't work so they transferred me to an agent. I spoke with 4 different people at Chime. All of them saying my bank account was closed due to a decision at XXXX XXXX, and my money will be refunded within 30 days. I wanted to know what specifically is the reason why they closed it. They wouldn't tell me just to email XXXX. I advised them I wasn't waiting 3 days to find out why they are stealing/holding my money for at least a month. They kept repeating the same thing and wouldn't even let me transfer my funds to my linked account. Next I called XXXX XXXX since they're supposedly the ones who actually closed it. They told me the same thing. They said they will fill out a report and someone will be in contact in 2 to 3 business days. All of this was done on a Monday, and I have yet to have any response via any method at all.
12/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 43147
Web
XX/XX/XXXX Chime mailed an unsolicited visa debit card to my home. I had no idea what Chime even was nor did I ever submit a financial application. I immediately contacted Chime at XXXX requested the card be closed and a letter of closure be mailed out. I also requested basic info about the card but was referred to XXXX which sent auto responses unrelated to my requests. I tried corresponding with XXXX unsuccessfully for days. On XX/XX/XXXX I received yet another card in the mail. This one was a visa card and immediately called Chime to report the XXXX card as fraud as well and ask questions on how an additional card would be issued when I just spoke extensively with Chime on XX/XX/XXXX. Chime stated they shut the visa card down and confirmed the debit card was also closed. I requested card closure documentation to be emailed to my attention and I would remain on the phone until email was received, but was told the Chime system would not allow email to go out until we ended the call. I also requested a trouble ticket number and was given # XXXX. No email was ever sent regarding closure. Each time I contacted Chime they request personal identifying info such as social security number, name XXXX street address and email before given very vague information regarding the cards created in my name. They would not provide simply info such as when accounts were applied for, how many accounts are open, how much is charged etc Chime is DELIBERATELY CREATING ADDITIONAL FRAUDULENT ACCOUNTS IN MY NAME AFTER VEHEMENTLY REQUESTING THEY CLOSE ALL AND PROVIDE DOCUMENTATION FOR MY RECORDS AND ADDITIONAL REPORTS. At this point I fear more accounts will be opened and additional cards sent out to WHOMEVER is applying. This is identity theft with Chime equally accountable with aiding in this theft by not closing unsolicited accounts upon verifying my identity and upon request. Instead of closing cards Chime continues to propagate the fraud by creating additional accounts. I want it to stop.
08/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NE
  • 68104
Web
Hi on XX/XX/2023 my chime account was hacked, I left the the gas station and left my card there, on the way back I looked up the number to chime and got a rep on the phone, I asked them to lock my card because I left it at a gas station, the man said he would, a few minutes later I found my card and asked him to unlock it, he then told me that I had to follow his directions and he would put my money back onto my card, he then had Mr put an app on my phone called XXXX, then before you know it I could physically see that he was entering an email address and moving my money from my account, I could see him remotely doing it and I did not know what he was doing, when I asked what was happening he assured me that he was moving my money from checking into my savings, at this point I started to get nervous and hung up the phone and tried calling chime back then the guy I was talking to called me back, I felt like something was wrong so I hung up again and called chime again, when I got somebody new on the phone I told them what was going on and they said that I wasn't talking to them qt all, at this point I knew that I was just scammed, so I asked them to stop the payment and told them what had just happened minutes prior, they told me they couldn't, I it was to late, I explained that I didn't authorize it and that it wasn't me, I opened a dispute and sent them phone numbers that were used and screenshots of the app that was on my phone, I made a police report and contacted the ftc and made a report I the denied my dispute and have denied all XXXX of my rebuttals, I have spent countless hours talking to chime and sending emails and reaching out to get my money back. They keep telling me that they found no error, chime will not send me any info on why or they won't let me talk to the investigation team nor will they let me talk to these fraud department, they just won't give me any info. I also reached out the the bbb, but I don't know what else to do. Can you please help me
02/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10461
Web
On XX/XX/2022, I woke up around XXXX with no cell reception. I had no idea what was going on. I received a text from XXXX about someone trying to change my sim card. I was unable to call or text anyone. I didnt know what was going on with my phone. At first, I thought maybe my aunt forgot to pay the phone bill. Then I received a notification since I was connected to the wifi that someone transferred all my money ( {$740.00} ) out of my Chime account and sent it to an unknown email address. They also sold/traded some of my stocks on XXXX and purchased a flight through my XXXX account XXXX The hacker had access to my apps and cellphone number ( text and phone calls ). I went to XXXX and XXXX in XXXX XXXX to try to figure out what happened to my phone. They didnt have any solid answers for me on what was wrong with my phone. XXXX kept trying to switch the sim card to see if it will work. Finally, later that night I called XXXX XXXX more time using my boyfriend phone and they locked my sim card and was able to fix my phone. The very next day I filed a police report. The police officer said they couldnt file a police report unless they had proof of this incident. I called XXXX to see if they had any information they can give the police officer so that he can proceed with the report. The XXXX expert confirmed that a man located in XXXX, XXXX called XXXX that day trying to switch out my SIM card. I have tried to contact Chime numerous times informing them of what has happened and they refuse to refund me the {$740.00} that was taken out of my account. I am extremely disappointed with the customer service and lack of assistance with this incident. I have another bank and money wasnt touched in that one, but somehow the hacker was able to get into my Chime with ease and wipe out the money I had in there. The hacker also requested {$500.00} from both my boyfriend and my aunt on that day. They know I dont ask anyone for money so they knew it wasnt me and tried to contact me.
07/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 44305
Web
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, charged my Chime Bank card, {$520.00}, for unauthorized repair to my vehicle. I immediately contacted my bank Chime to stop the transaction, I had to waite 3 days then file a Merchant Despite for unauthorized work done to my vehicle. I COMPLETELY followed every step with all receipt, phone records and a copy of another Automobile shops papers of what was actually wrong with my vehicle. As of today XX/XX/2022 a Chime Despite Respenstive will not reopen my claim to reverse the transaction for Unauthorized Automobile Repair, that In the State of Ohio is a law that protects the consumer. Chime Bank will not acknowledge or follow the rules that are in place where Chimes account holder resides and where the Unauthorized Repair has taken place. Today XX/XX/2022 at about XXXX XXXX I spoke with Chimes Desput Respenstive asking to reopen my claim ( # XXXX ) again because I was standing my ground on this Transaction. And I have faithfully Disputed this claim with Chime Bank from day one .The Respenstive refused to let me reopen the Desput claim and when asked why Chime Bank was not following the laws where there consumer lives he resisted FCC Bank Rules. And I said exactly!!!! Every Bank, credit card company would stand behind there customer when a law has been broken in the consumers State of residence. I am at a complete loss over how a BANK can allow a Company to keep my money for a unauthorized repair when I submitted 150 % proof that I never told XXXX XXXX to do anything to my vehicle but informed me of what the problem is. Along with the Law In Ohio, on Automobile Repairs, and Chime said oh well like it was there {$520.00} dollars. WHAT GOOD IS A LAW THAT PROTECTS YOUR RIGHTS IF ANY COMPANY CAN IGNORE THE LAW. IF THE REPAIR SHOP WOULD OF TOLD ME IN ADVANCE WHAT WAS THE ISSUE WAS THIS WOULD NOT OF EVER BEEN A ISSUE WITH CHIME AND MY MONEY, BUT THE UNAUTHORIZED REPAIR WAS NOT EVEN WHAT WAS WRONG WITH MY VEHICLE.
09/10/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MA
  • 015XX
Web
I filed a dispute with Chime Bank on Monday XX/XX/2020 regarding a credit not posted from a merchant that promised me a refund and even provided me with a refund confirmation number, which I forwarded to the bank. I was asked to submit a written statement about the dispute, which I provided to the bank on XX/XX/2020. At that time, I was advised my claim was eligible for a provisional credit under Regulation E and that it would be posted to my account by Wednesday XX/XX/2020. On Monday XX/XX/2020, my dispute was erroneously changed to " service not received '' and I was then advised my claim was no longer eligible for provisional credit. I immediately contacted Chime Bank to discuss this issue. I was told that it was escalated and they acknowledged the dispute type was changed back to credit not posted. I did not see the provisional credit applied to my account today so I contacted the bank. They advised me that " the time resets '' when a dispute type is changed, and that my claim is now again eligible for a provisional credit which I can expect to be posted by XX/XX/2020. I then asked to speak to a supervisor. After spending an hour and a half on hold, XXXX, the " supervisor in charge '' of the dispute department was extremely rude to me. He told me that I was not going to be receiving a provisional credit at all, and then hung up on me. I contacted the bank again and at this point no representative is helping me. I have sent numerous emails to XXXX and XXXX which have also gone unanswered. I have great concerns with the conduct of Chime Bank, as well as their mishandling of disputes. The dispute process is critical and consumers are typically reporting a dispute on their worst day. To have my dispute totally mishandled and be forced to wait an additional 2 weeks, making it almost 30 days before I am receiving a provisional credit is disgusting. Please help me fix this. It is crystal clear they are refusing to abide by Regulation E and are making their own rules.
02/13/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • OH
  • 43607
Web
My chime bank account which included my check-in and savings accounts both were closed on XX/XX/XXXX I was not told why they were closed out I was sent a policy to read that would describe part of the reason why my account was closed out that was the only evidence and or proof that I was sent as to why my account had been closed after my account had been closed I was told that I would receive my closure check with the amount that was in my accounts at the time of the closure I had to wait 15 business days for an investigation and then 10 business days after that for the check to be sent out and received in the mail after waiting the 25 business days I never received my check in the mail I let them know via email and they gave me the runaround and continuously avoided answering any of my questions and for almost 6 months now I've been trying to request my closure check from them just now today I spoke with them because I had waited 10 days again because they had told me on XX/XX/XXXX that within 10 business days I would receive my closure check because they had to send it back out and after confirming my address they had resent the closure check I've waited over 10 business days when I contacted them after waiting the 10 business days they didn't respond 48 hours after the 10 business days they responded and told me that the check would be sent out in the mail and then they sent me an account balance of {$0.00} in both my checking and my savings account this is completely false and fraudulent I would like the amount that was in my account sent to me like they were supposed to be sent out in the mail in the first place the amount should be {$82.00} and something cents for my checking account and there was only around XXXX cents in my savings account I'm not worried about my savings account as much as I am worried about the amount of money that was in my checking account at the time of closure that has been stolen for me at this point please help me recover my funds
06/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Trouble getting information about the card
  • CA
  • 95621
Web
I signed up for a credit building debit card from chime.account was approved and card sent out aswell as multiple emails on how to activate card make purchases or add money. I went through all steps, password and personal info after downloading app for the card in order to activate, after receiving the card in the mail I went to activate the card like it says through the app and it wouldn't let me sign in with my password wich I did not forget and have written down on fact.i try the steps to reset password on my own, they ask you to send a picture of yourself and a picture of your id front and rear bar code, then they say were texting u a pass code, no code is ever received, there's an option to update phone number, they ask u to send a selfie and and id picture, then I will receive a pass code only the pass code does not work, tried multiple times multiple ways, im very capable of online type sinus things and using devices. No mistakes on my end! I call customer service wich is a never ending loop of the same recording, so I try the fraud department and finaly talk to a human, who does absolutely nothing besides suggest what the online app does, after explaining ive send my id and selfies multiple times he tries sending me a passcode to reset my password, nothing ever comes in, you can hear children playing in the background I should add.afyer waiting with the guy for 20 mins no text, no email no nothing... so he says there's nothing he can do and someone will call me in 2 hours ... .no call received its been a week.aftwr multiple emails with an automated customer service robot I've asked multiple times to discontinue my account or to please have a number sent or someone contact me to fix the situation.after my repeated efforts they continue to email me the same message asking for my ID and selfie... .I belive chime is a fake company and if they are not they need to be shut down based on customer service alone.my name.is XXXX XXXX XXXX XXXX ) XXXX XXXX ca XXXX
02/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33317
Web
On XX/XX/2022 i was at work and i received a notification from CHIME bank about a {$1000.00} contest they were having called " CHIMEMONEYGOALS '' I made whatever I have to do to participate. Minutes after at XXXXXXXX XXXX I received an email from Chime saying that my phone number was changed and an other email saying that my phone number was changed at XXXX XXXX. As soon as, I realized about the first email a minutes after ( XXXX XXXX ) I called Chime. I talked to the representative for 24 minutes she told me that " my account was secured and deactivated, nobody can have access to it, I asked her about the amount of money that I had and she told me the correct amount of money ( {$1600.00} ) on my account. I went back yo work and hour after when I checked my account it was only {$100.00} on my account. I called Chime and explained the situation that happened and they told me to submit all the pertinent proof that I have to open an investigation about the situation. I sent everything all the proof I have and they told me that in 10 days they were going to answer me the second day I called to know about the status of the dispute and they told me that I authorize the transaction that was why the dispute was denied. I arguing and arguing with them because they told me, I authorize the transactions. After the discussion by phone they told me that send more information to reopen the dispute. I sent the emails that they sent me from Chime changing my email and my phone number, the phone call from my call list showing them that I called a minute after the first email, a picture of the time I clocked in and out from work that day. After I sent everything, they told me that they were going to come out with an answer in 45 days and if they did not solve the situation in 12 business days I was going to get refund. I called after 12 business days and they told me that they had a final result that I authorize the transactions and they were not going to give me my money back.
05/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • HI
  • 96789
Web
On XX/XX/XXXX my Chime checking account was unexpectedly closed after receiving an ACH direct deposit for $ XXXX for my husband and my XXXX joint amended tax return after waiting over 10 months for the IRS to audit and processor our return. I immediately contacted Chime to find out why a hold was put on account. They informed me I needed to send several documents to verify my identity. After sending all documents requested, including the 2 letters from the IRS one in my name and one in my husbands name, stating the amount we were to receive for our amended return. XX/XX/XXXX I received an email from Chime informing me they have decided to close my account, no reason why was given. After reading Chime 's terms/conditions when an account is closed they have 14 business days to send remaining funds to address on file. It is now XX/XX/XXXX I still have not received my check for the remaining $ XXXX that was in my accout. I've called every day spending countless hours trying to find out where my check is. Only to be hung up on repeatedly, transfered over and over, put on hold for 10-15min over and over, as well as having to give my personal info and explanation of my issue to each agent I was transfered too. On XX/XX/XXXX, I was told by a Supervisor at Chime that they were very sorry for what was happening and she didn't know why my account was closed after providing all documentation requested or why access to my funds was taken away after 2 days of being able to access. She would personally garantee that my closure check would be expedited and sent on XXXX XXXX. It is XX/XX/XXXX I still haven't received my check and noone can give me answers. My husband our 3 kids and I have been put into a major financial hardship over this, we have been with out power for over a month, we have fallen behind on our bills and for what reasoning did they have to close my account after giving me access to our money for 2 days then ripping it away. We want our remaing balance asap!
02/01/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 08610
Web
I writing in regards to Chime bank ( XXXX XXXX ). Mainly in regards to faulty customer service practices and a heightened amount of account suspensions and closures in the middle of a pandemic when assess to funds are critical. With this being my primary bank account i have been cut off from all funds and assess to my personal information with no concrete information as of why even though i verified my identity on two separate occasions when prompted to do so. On XX/XX/XXXX upon receiving a new t elephone number i notified chime and provided proof of id and ownership as requested to do so and was told my number was changed. The chime app is the only method if assess to monitor your funds and a user is often forced out sometimes being mysteriously let back in. On XX/XX/XXXX i was once again being forced out of the chime app i was prompted to manually change my number that was supposed to be changed in XX/XX/XXXX by chime to gain assess. i was asked for identifying factors which i provided then asked to provide a code sent by text to my telephone which i tried to do 5 times before calling customer service. I called customer service and asked what the problem was which was never answered asked yo send identifying info to support which i did. I waited several hours to assess my account again to pay bills and was notified that my account was suspended I emailed and was prompted to send further id to which provided again. I have emailed and called on XX/XX/XXXX, XX/XX/XXXX on which i was told my problem. was being escalated and would be solved in 24 hrs, XX/XX/XXXX to no avail even speaking to supervisor XXXX the would not tell me why my account was suspended offered no support and told me to email. I now have no XXXX to unemployment monies which took five months for me to receive In the middle of snow storm and pandemic. I am confused. And without out funds that are mine. I am also unable to monitor my account for fraud and theft. This is happening to others too.
01/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30014
Web
Hi All, I would like to add to re-opening my claim. My app was hacked while i was sleeping at XXXX, and I don't know how. I live in Georgia when I looked at the app my address was changed to a California address, shown below that I never seen before. In that time span they also locked me out of the app and transfer {$1000.00} from my savings account to my checking account. Then went ahead and made 4 fradulent transactions shown below. I can't understand how my claim was denied when I talked to several representatives through this process. All times shown below. Each time I got the run around and transfered between the member services and disputes line back and forth. No one was able to help me until I was told to send emails to get my account setup again and allowing me access. I sent an email Monday and Tuesday and Today, showing my ID, XXXX holding my ID with the date and my full name " XXXX XXXX '' also shown below. When finally speaking to a supervisor, I was able to change my address, email, shipping address and phone number all of which should be seen on your end that was changed without my knowledge. The simple fact that i had to change everything back to my original setup is proof that I was hacked and my funds should be returned to me as soon as possible. i don't know any bank that does not reach out to the customers when something like this happens. I sent all the proof that i did not allow these transactions to occur. I even reached out to the fraudulent XXXX " XXXX merchant '' in order to see who charged me. I would like my {$1000.00} back and my account restored, legal actions should be the next step. Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Tuesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX ; XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX
12/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Problem with direct deposit
  • GA
  • 30507
Web
I received notice about 2 months ago that the name on my account with Chime does not match IRS records. The IRS has my maiden name, but my legal name ( on my ID ) is my married name. They said they were sending me something to fill out and send back. It took several weeks to arrive, and I filled it out and returned it the next business day after I received it. All it said was that if I didn't send it back by XX/XX/XXXX, my account would be subject to withholding. A few days ago, I got an email that my XXXX XXXX account was closed. So I tried to log into my account and my entire account was closed. So I immediately emailed their customer service. It took several days, but they responded and told me to send them a copy of my marriage license by email and they would reopen my account within 5 business days. So I sent it to them immediately. Another several days went by and they just emailed me again saying they need me to send in the W2, which I already have. Now my direct deposit is not going to go through, because they didn't reopen my account like they promised they would. I have already proven my identity, and that my legal name IS the same one on my account, but they are asking me to change the name on my account to the one the IRS has, but that is no longer my name! If I change the name on my account, they will no longer cash checks made to my legal name. I know this, because my stimulus check was issued to my maiden name and Chime refused to cash it because it wasn't in the name that's on my account. I do not want to fraudulently use a name that is not my legal name, as they are asking me to do. I also tried to call them earlier. Their system detected my phone number and said, " We see your account has been closed. Please email our 24/7 support. '' But I've already done that and they are taking DAYS to respond each time. At this rate, it will be months before anything is resolved. And they're insisting the name on my account NOT be my LEGAL name!
08/05/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • NH
  • 030XX
Web
Right before midnight eastern standard time on XX/XX/XXXX, my chime account was hacked into. I was awoken by alerts on my phone. These alerts stated that there was a new login attempt from A device that I do not use, my email on my chime account had been updated, and the phone number on my chime account have been updated. The phone number was changed to a Nebraska phone number. I live in New Hampshire. I also did not recognize the email address that it was changed to. The alerts also stated that there was a transaction decline in the amount of {$100.00} because it was an international transaction. Ive never allowed international transactions on my account in its entire history. The alerts also stated that there were XXXX transactions totaling {$1000.00} taken from my account. The hacker had gained access to my account, transferred the money from my savings account to my checking account and then to my credit builder account. The transactions that were fraudulently taken came out of my credit builder account. The merchant came up as XXXX. I am not sure what that even means, and chime cant tell me either. I was in possession of both of my chime cards, they never left my possession, I never shared my login information with anyone, and I do not have my pin written down anywhere. I reached out to chime immediately that evening around midnight to suspend my account. They advised me to send proofs to their customer service email address, which I promptly did the following morning. They finally re-enabled my account with a new email address and password this morning on XX/XX/XXXX. I went into the app and disputed the XXXX transactions totaling {$1000.00}. Within 10 minutes, the disputes were denied for no error found. I dont think a proper investigation can happen within 10 minutes. I tried to call back in and dispute it further, but they are not being helpful at all. I have provided ample proof that my account was being hacked, and I am getting absolutely nowhere.
03/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • VA
  • 23832
Web
My financial institution, Chime, is refusing to dispute, stop payment on transfers, or to reclaim my lost funds from this rental scam. {$2600.00} ( Chime ) {$200.00} ( XXXX XXXX ). Individual ( XXXX XXXX XXXX was listing XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX as $ XXXX rental via XXXXXXXX XXXX on XX/XX/2023. XXXX XXXX asked me to provide name/number and her husband would return my call. Husband and I spoke on XX/XX/XXXX and XX/XX/2023 on his telephone XXXX XXXX. He stated the property was his mother 's ( who recently passed away ). He stated the property was listed for sale, but he would rather rent. He asked me if I was a XXXX, and asked if we would take care of the home as it was very dear to him as it was his mother 's. Husband asked about my family and pets. He sent me a rental application, which I completed and I sent {$200.00} application fee via XXXX XXXX. Received call from XXXX and email from XXXX and XXXX with approval and lease agreement. Sent security deposit of {$1300.00} via Chime and was asked to send additional separate payments of {$1000.00} and {$300.00} for 1st months rent viaChime, which I did. I looked at the approval and lease agreements and the landlord 's name listed was XXXX XXXX, which is different from the individual I spoke with on the telephone. I called XXXX and was instructed the property was not for rent, only for purchase. I called the husband back and he stated XXXX was listing the property for sale as well and he was going to call them immediately to resolve and he hung up on me. I called my local police department and filed a report ( XXXX ), XXXX, and my bank ( Dispute XXXX ). I'm also reporting to FBI Internet Crimes Unit. I called the husband back at XXXX and the numbers has been disconnected. These individuals ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) are also listing other properties on XXXX and I've taken screen shots, if needed. I have sent {$2800.00} and now my family is homeless as of XX/XX/2023.
01/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • DC
  • 20018
Web
Chime Bank has had five separate incidents of customers not being able to use their own cards- neither their debit cards, nor their credit cards, within the past twelve months. Most recently, I reached out to Chime because my debit card had been declined with more than enough funds. First, they tried to deny the issue. When I continued to send evidence via screenshots, they told me there was an issue with the merchant. When I pressed and said the issue had replicated with *multiple* merchants, they told me that both of my cards, credit and debit, were defective. I asked about the credit card because Chime, as a bank, had a deal with their clients that if more than 100 purchases were made using their Credit card, a metal card would be issued. However, they made it very clear that the metal card was single issue and would not be replaced under any circumstance. I inquired about this, as it took months for me to make it to the 100 purchases, and following my inquiry, Chime has cut off all communication. I have sent three emails in the past three days. I have been unable to use my credit or debit cards at all, and ALL of my money is in my accounts ( my direct deposit goes here ). I was unable to purchase the money order for my rent ; I have been unable to purchase groceries ; their phone line just states they have too high a call volume to answer, try looking online for answers. Their online bot is off ( has been for at least the past two weeks, 100 % of the time ), and the multiple emails to customer service have gone unanswered. I need help. I have more than {$1000.00} stuck in those bank accounts frozen, and that's all I have. This has been an incredibly frustrating issue, and it is the fifth time in the past twelve months that all funds for some or all Chime members have been frozen/inaccessible with little to no accountability for the financial institution. Once I get my money, I will be closing my accounts and choosing a new financial institution.
05/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30058
Web Servicemember
I ordered 2 pair of shoes from XXXX last month both pair of shoes was supposed to be delivered a day apart one pair on XXXX and other on XXXX so on the first day I got notification that my shoes was delivered however I never gotten them so I looked at my XXXX footage and seen that they was delivered to wrong address so I contacted XXXX first whom wasnt any help then XXXX the company who delivered them I was told give it to end of business day and see if its delivered because sometimes they mark packages as delivered and havent been. However I also told them I see it was delivered to a different address still no help so I mentioned that the next day I have another delivery from same shipper and can they make note or let dried know to pay attention to address because of delivery error. However next day same thing so I called again was given sane information and told to file a dispute through XXXX in two days XXXX denied claim telling me to contact XXXX I then contacted XXXX I provided pictures and video footage of this guy delivering my pages to wrong address. They told me to dispute it through my bank however I did do that as well and I provided Chime financial with video and photos the denied my claim I asked for a denial reason when nobody contacted me for proof I provided what o had on my own they never stated if they received it or contacted me to ask anything but denied my disputes and wont provide a reason I also filed rebuttals and havent heard anything. How can I provide proof of pics and video of whats happening and still be denied I couldnt go outside to get or check for packages I had just been released from hospital after having XXXX XXXXXXXX on XXXX and XXXX XXXX XXXX Im home alone during the day my husband went and asked neighbors after getting home in evening and they denied seeing packages. Why was my dispute denied, why wasnt a provisional credit ever issued, why nobody ever contacted me on it and why wasnt I given a response for denial?
07/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27330
Web Servicemember
On XXXX the XXXX chime bank, close my account with no warning I have over {$550.00} in my account and they wont release my money to me. I have called them every day anywhere from 2 to 6 times a day trying to get information as to why they closed my account, Ive been asked to give them copies of my last four deposits, copy of my drivers license proof of my address. Ive submitted all this information more than once and the supervisor informs me that the team that works on reactivating your account only works via email. Only the supervisor tells me they just have to submit another email with the priority because I have not been able to eat in seven days because they have my money, they tell me to patiently wait that its gon na take another 24 to 48 hours before they can reinstate my account but theres no guarantee that they can reinstate my account and they told me to patiently wait. Ive gone seven days with no food I keep getting dizzy dont know that I can wait another 24 to 48 hours. I continue to get the same email from Chime. I will copy and paste it here they just change the name at the bottom as to who its from. This is the email response I continue to get. ( Hi XXXX, Thank you for reaching out to the Chime Member Protection Team. I'm sorry to hear about the difficulty you're experiencing with your Chime account. For security reasons, Chime is unable to share more information about the account closure. We're also unable to review whether your account can be re-enabled or refunded until we receive valid documents verifying the deposits. To help us validate the deposits, please contact the source of the funds to verify them as the source of the deposits and yourself as the intended recipient. In the meantime, I invite you to review the Chime Deposit Account Agreement. We regret any inconvenience this may have caused. If you have further questions, please respond to this message or give us a call at XXXX. Thanks, XXXX | Member Protection Team )
10/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • MI
  • 48228
Web
I woke up to my bank account being completely drained. There are XXXX dollars in my bank account. Someone hacked my chime account and sent themselves all my money. I dont know if it was a chime employee or if chime made a mistake and if the person who was in my room did it but all my money was gone on XX/XX/XXXX at around XXXX. I contacted chime and asked for a dispute for my XXXX dollars and XXXX XXXX they immediately denied it after saying their investigation would take almost 2 months. They did not offer me temporary credit. I called them again asking why it was denied and they could not provide me the reason. I kept assuring them that there was no way I SENT ALL MY MONEY IN ONE TRANSACTION to ONE PERSON. Those were all my savings for college I am a XXXX XXXX XXXX I now have no money. I called chime back later that day on XX/XX/XXXX asking for a rebuttal they said they would give me one but lied and never emailed me. The next day on XX/XX/XXXX I called XXXXXXXX XXXX and had to receive links for rebuttals over 5 times because they kept reuestion documentation. After the fifth time I was told I was eligible for temporary credit and they would open the case and do a rebuttal. They said this would take XXXX weeks for temporary credit and atleast a month for the investigation. THE VERY NEXT MORNING TODAY ON XX/XX/XXXX I WAS TOLD THAT MY CASE WAS DENIED AND I WAS TO RECEIVE NO FUNDS. How are they completing these month long investigations within hours. I have no money. I am XXXX XXXX I can not pay my tuition I can not buy food or books or even pay for my homework. Chime immediately denied all of my requests for disputed within minutes. They are carrying out fake investigations. I really need my money back please I would not be trying this hard if I didnt please. I am on my XXXX rebuttal and being utterly ignored. Chime is carrying out fake investigations done by AI and not people I have not heard from a real person about my money just automated EMAILS.
03/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IL
  • 60640
Web Servicemember
On XXXX someone used my debit card in XXXX, VA and XXXX XXXX, CA at the exact same time for over XXXX dollars. I filed a dispute immediately and they said they would start it. They did not start it until XX/XX/XXXX and XX/XX/XXXX. They also keep changing my provisional Credit date and even denied one claiming that XXXX, who was the merchant this happened at provided evidence that it was me who did in fact do the transaction in two separate cities 3000 miles apart. I just got off the phone with XXXX and she said that no I didnt have any account or any sort of purchases on my account or anything like that and that I was cleared and thats what they informed chime of. so chime just flat out lied to me, saying XXXX was the one who said they had evidence. I have also asked four different times for documents, proving the evidence against me and they refused to send them out. The lady at XXXX said she is going to escalate this to her superiors and have them get in contact with Chime Who will explain that this was not anything to do with me because it happened at two separate XXXX 3000 miles apart. It sounds to me like Chime is purposefully lying to keep pushing off my temporary credit. I lost my job in XXXX and can barely make ends meet as it is. Having {$720.00} taken from me and not given temporary credit for it has made me late on bills and has honestly caused me a lot of anxiety and made me extremely upset. And I already suffered from panic disorder and XXXX. They also passed me around to every department over and over again so they could avoid answering my questions. It is now XX/XX/XXXX and I still have not received a temporary credit. I turned in a great deal of proof as well as documents, showing the identity theft that I have been dealing with for a year and a half. They have now also lied about the evidence from the merchant. I spoke with the merchant directly and they said I was clear because whoever used my card had a XXXX account and I do not.
07/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • TX
  • 78633
Web
I received a letter from Chime/XXXX XXXX asking me to Activate my account. I did not open an account with Chime. When I called Chime, I was asked to verify my phone number. My phone number, nor my wife 's phone number could not be validated by the automated system. When I got a Customer Service Rep, he could barely speak English and had a very thick foreign accent ; I was told that I had to give my social security number, my date of birth, and my phone number to verify the account or that he could not do anything for me - he suggested I could also submit a copy of my driver 's license or take a " selfie '' holding my ID. When I asked for the Fraud Dept, I was transferred to another man, also with a thick foreign accent ; after placing me on hold several times, the 2nd man told me " there is nothing to worry about as your account will be closed. '' I informed him that I had never given an account number, so what account would be closed? He said " the one under your name. '' It was a very suspicious interaction to say the least. He had information, but then kept saying that said he couldn't give me any information because I hadn't validated my information - he wouldn't even given me partial information. The only I gave him was my phone number and email addresses which, of course, could not validated. I expressed my concern that this was fraudulent, and I informed him that I was going to call the FBI, he said " Well then there is nothing more I can do for you if you are going to involve the FBI ; they will handle it. '' At that point, I terminated the call and tried to contact the XXXX XXXX, XXXX office, which directed me to FTC ( this site ). I should also point out that the card I received in the mail is an actual Debit Card, with an account number, a chip, and my name -- my name is printed incorrectly on the card too ( another suspicious aspect to this ). The address this card was sent to was my former address in XXXX ( I now live in XXXX ).
08/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • SC
  • 29680
Web
I recently opened an account with chime and everything was fine until my second deposit. I had recently received my credit card and activated it that morning, that afternoon I got an email saying final steps and more information was needed. I started following the steps in the email and stopped half way through. Then I got an email saying there was a log in to my account from XXXX. I reside in XXXX XXXX, I immediately changed my password and while I was changing it I got an email saying I had transferred {$1000.00} to some email address I had never seen. I finally logged into my account and saw this transaction and immediately called customer service. The first representative said no money had moved from my account ( all of this happened in less than XXXX minutes ) I asked her to cancel the transaction and she did not, she began to ask me questions that I had already answered and filled a dispute instead of canceling the transaction. I was then told I have to wait 20 days to even get a credit. I sent in supporting documents showing the email I received and also the log in from the unknown device. I was contacted in less than XXXX hours and told my claim was denied. I called back and asked for a supervisor who showed no concern or empathy at all and was told well we can open a rebuttal but if you send in the same information theyll close it in an hour. I was livid at this point but I submitted the full timeline of emails showing where there was a log in and transfer done while I was trying to resecure my account. I asked did they get my documents previously and no one could answer the question. It would take me 20 days just to get a credit but they take less than XXXX to deny me. Looking at complaints from this company this is an ongoing issue with accounts being hacked and people having issues getting their hard earned money back. I thought switching here would be beneficial to me but I have more of a headache then Ive had with any other accounts.
07/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • CO
  • 80907
Web
On XX/XX/2022 I believed I was purchasing one bottle of ACV+Keto from XXXX for {$6.00}, which was advertised. I clicked on the link from XXXX and was taken to the site where it asked if I wanted to purchase one bottle for shipping and handling. I clicked yes, then asked if I wanted to add more bottles I clicked no. Next thing I know I received an alert for a purchase from my Chime app and I looked at it and seen {$190.00} was charged to my card. I immediately tried finding the phone number for the company and it was very difficult finding contact information. So I contacted Chime right away and told them I was charged incorrectly. Chime opened a dispute. XXXX Chime emailed me stating there was no billing error and I would be responsible for the {$190.00} charged. On XX/XX/2022 I forwarded to Chime the email I received from this company after emailing 2 companies I thought could be the one that incorrectly charged me. I called Chime on XX/XX/2022 to see why dispute was denied and I was told by the agent it was incorrectly closed for receiving incorrect product. I never received a receipt from this company that charged me incorrectly. I just received another email from Chime XX/XX/2022 " We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed. '' I know I was charged incorrectly, never received a receipt, have not received any product, and I feel the decision Chime has made is incorrect and I do not owe {$190.00} for bottles of a supplement I did not want. I was willing to pay {$6.00} for one bottle that was advertised. There was no checkout page on this company 's website for me to even be given a chance to back out of buying anything. This is a scam and the financial institution I trusted to protect me and my money has not!
12/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OK
  • 749XX
Web
XX/XX/XXXX. I Called to report lost card and get replaced. They told me 7-10 business days. My app told me XX/XX/XXXX XX/XX/XXXX drove XXXX mile to post office no replacement card in the mail drove XXXX mile Back home XX/XX/XXXX called them back asked what the problem was. So now they tell me my card will be in my XXXX XXXX XXXX the XX/XX/XXXX. They verified address XX/XX/XXXX drove XXXX miles to post office check mail no card drove XXXX miles back home XX/XX/XXXX called them again this time they tell me card wasnt mailed until XX/XX/XXXX, it took them 13 days to put a replacement card in the mail. Then they tell me they received one back saying undeliverable no receptical, its a post office how can it be no receptical. XX/XX/XXXX. Drove XXXX miles to post office. No card Called again and again the girl on the other end was of no help. So I asked for a supervisor. After about XXXX minutes this guy comes on the phone saying hes a supervisor. Said he would expedite a card to me but he didnt see where they had mailed one on XX/XX/XXXX. XX/XX/XXXX drove XXXX miles to post office no card. Drove XXXX miles home. XX/XX/XXXX. Called once again asked for a supervisor instead of dealing with person on other end of phone. She said card mailed on XXXX. Nobody expedited a card to me they couldnt anyway sines its a XXXX XXXX XXXX She told me one was sent but no receptical. At a post office really. I told her if it was not in my mail XXXX XX/XX/XXXX I was going to file a complaint. And here I am. This has caused me a lot of stress had to borrow money to pay rent because landlord only takes cash or check. I cant even go to laundry to wash my clothes or pay toll to go see family. It has caused a great hardship on me. I had no way of getting cash from my own account. I told them I really needed the replacement card but I got nothing but a run around. Hopefully you will have better luck. Ps they should have to reimburse me for all my time and gas. Thank you
08/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 92065
Web
Friday XX/XX/2022 XXXX am XXXX charged my CHIME Card XXXX XXXX I did not make this purchase. I filed a claim and disputed the transaction twice only to be denied. I will include my email i sent to CHIME SUPPORT ( i was told to do from a representative at CHIME ) after I WAS denied the first time. My name is XXXX XXXX XXXX dispute claim #. I was recently charged XXXX from a online grocery store called XXXX. CHIME has denied my claim. This is unacceptable. I did not make that charge! I deposited XXXX at a XXXX to make a cell phone payment that was past due and reconnect my service, when I was told the card was not going through. I had justade that deposit and upon checking the app, XXXX was charged. I have no clue what XXXX is????? I did not use my card at all for that. It says it's based out of Pennsylvania? I live in XXXX XXXX! I then had to deposit more funds that same day to get my cell phone on. While on the phone with XXXX I made sure they did not run the card until I told them I just made the deposit and charge to avoid any other breaches to take my hard earned money. I am now completely terrified to deposit any money to that card, and i pay important bills with it. Not only will someone possibly make a fraudulent Charge, CHIME does a lazy investigation only to denie my claim? I need every dollar I make, and to have XXXX dollars stolen and then being told there were was nothing CHIME can do is absolutely unacceptable! Someone need to help me. I'm an honest person only trying to pay my bills, and CHIME has allowed a breach and has does nothing for me when I need the help. All I want is my money back. Do whatever you have to do. Check where the card was ran, do something. But I did not make that charge and want this resolved ASAP. My funds are limited and I need that money. Thank you. Please contact me with good news. This is entirely unfair. I can provide any information needed with honesty. But indid not make that charge!!!!!
11/11/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 77072
Web
Chime bank dispute claim id XXXX My mobile device was stolen on XX/XX/20. Was reported stolen and service suspended next business day on XX/XX/20. On XX/XX/20 I attempted to login to my Chime account via alternate device using WiFi. Access was denied because I had two factor authentication synched with original mobile which was stolen. On XX/XX/20 with the help of Chime agent, We changed the contact number in Chime account to the temporary WiFi number so I could gain access. On XX/XX/20 Chime support responded back saying they'd updated the number. So I logged in right away. That's when I noticed the fraudulent transfers that Im disputing. How it was done is really not up to me to determine. I just want the funds that were stolen from me. Though it may not seem like a lot if money, It's important to me and I will take the necessary steps to see that it's returned. I am in no position to just give money away. My suggestion is for our investigative team to due diligence and take a closer look perhaps at the digital footprints that all transfers leave. I would imagine by using some sort of algorithm they should be able to track exactly what account it went to and taking it a step further to check for similar suspicious activity on that account. This is Bank Fraud. This is also my way of assisting the investigation by providing logical information. There is no way I could have done the transfer because I was locked out of my chime account when the theft happened. .All they have to do is look closer at the timestamps in which I interacted with the Chime agents to see this. Right is right. I want my money back and shouldn't be forced to have to open another bank account elsewhere. Now I have also been finding multiple reviews that had similar situations in which Chime is refusing to acknowledge stolen money from account and replace the federally insured funds for it's customers. If someone steals your money, you should be able to recover it.
11/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • IA
  • 503XX
Web
SPOKE TO CHIME REP. SEVERAL TIMES REGARDING MISAPPROPRIATION OF FUNDS THEY SAID I CANT PROVE IT THEY CANT DO ANYTHING ABOUT IT. SO, I STARTED TAKING A SCREENSHOT OF MY TRANSACTIONS SO I CAN PROVE THAT THE AMOUNT THAT IS REPRESENTED IN THE APP. IS NOT CONCURRENT OR RFECTING WHAT THE ACTUAL AMOUNT SHOULD BE. AGAIN, MADE THEM AWARE THAT I HAD PROOF AND STILL NOT RESOLVED. ON XXXX I CALL AND SPOKE TO A CHIME REP. AND LET THEM KNOW THAT MY SPOT ME FEATHER WAS INCORRECT. THEY STATED THAT THE PAYMENT FOR XXXX WAS POSTED ON XXXX XXXX, WHEN IT WAS ALSO POSTED XXXX XXXX AT XXXX AND AT THAT TIME MY BALANCE WAS - {$35.00} AT XXXX PER SCREENSHOT XXXX HOURS AGO A PAYMENT FROM XXXX. NO OTHER TRANSACTIONS FOR THAT DAY.NOW, TODAY XXXX XXXX ACCOUNT BALANCE - {$35.00} WHEN I WOKE UP FIRST PURCHASE XXXX XXXX XXXX AMOUNT - {$7.00} FOLLOWED BY XXXX XXXX XXXX AMOUNT - {$30.00} AND XXXX - $ XXXX THEN I CHECK MY ACCOUNT BECAUSE I DONT TRUST THE BANK TO BE ACCURATE IT STATES- {$100.00} WHEN IT SHOULD BE- {$90.00} SO I CALL THE CHIME REP. FIRST STATED THAT THIS MORNING MY ACCOUNT BALANCE WAS POSITIVE {$16.00} DUE TO A REFUND THAT WAS GIVEN BACK BY XXXX I MADE THEM AWARE THE IT DID NOT REFLECT THAT REFUND ON MY APP. THAT SUPPOSE TO REAL TIME. AND IF THAT'S THE CASE THEN MY CURRENT BALANCE IS WAY OFF. EXPLAINING THAT MY BALANCE SHOULD BE- {$38.00} GIVEN THAT I ONLY MADE THREE TRANSACTIONS TODAY THEN SHE COULDN'T EXPLAIN HOW MY BALANCE GOT TO - {$100.00} SHE COULDN'T EXPLAIN IT SO SHE PUT SUPERVISOR ON THE LINE AND HE BLATANTLY LIED STATING THE XXXX TRANSACTION WAS TODAY AND NOT YESTERDAY, SO THEY TOOK TWO PAYMENTS OF {$65.00} THEY STATED THAT I HAD TO PAY THE BALANCE IN ORDER TO GET THE {$1200.00} THAT WAS IN MY SAVINGS. THEY NEED TO BE HELD ACCOUNTABLE FOR CONCOCTING WAS TO STEAL HARD WORKING PEOPLES MONEY THROUGH THE XXXX XXXX XXXX THINK ABOUT ALL THE PEOPLE THAT DONT PAY ATTENTION TO THEIR TRANSACTION HISTORY CAUSES THEY TRUST THEIR BANK TO ONLY TAKE WHAT IS NEEDED.
10/23/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Problem adding money
  • TX
  • 754XX
Web
I have been trying to use the mobile check deposit with chime since XX/XX/XXXX and once you take the photo of check hit submit it continues to give error " we can not read numbers on bottom of check '' yet before you accept the photo it says " if you can not read this, then we can not read this '', sent email to chime support XX/XX/XXXX XXXX response XX/XX/XXXX XXXX a nut shell i as told to uninstall/reinstall app which i did take more photos dark background with more light which i did if still did not work screen shot error and reply back which i did. XX/XX/XXXX XXXX no response to reply-sent another email no response-sent another email XXXX. called XXXX XX/XX/XXXX asked for supervisor XXXX XXXX was told to take more photos because of shadows would stat on line to see but call dropped. XXXX called back XXXX XXXX who told me creases on check along with shadows-take more pics. also told me to iron the check! then call dropped. I then got idea to get personal check from old bank acct that is closed, I took pic of the front of check only hit submit and it sent!!! now it was a blank check but it fit in the photo box perfect. that check measured 6 '' and real check is 8 1/2 '' long! called back s/w XXXX and was told check is pending review to which i explained that is blank check and the app took that but not the real one ... ... he started laughing because he couldn't believe it along with he couldn't believe how many pics of this check there was and said he couldn't understand why it would not send because what he was looking at all looked clear! he even called off all the numbers of this check and of course call dropped. i live in the country service is wonderful. called again this time got XXXX at XXXX who was just a smart XXXX ( sorry ) told me same old take new pics-I explained the above and he said well sorry nothing we can do you will have to take check elsewhere. I asked to speak with someone higher he said there is no one above him!
04/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 76179
Web
On Thursday XX/XX/2022 I left work and stopped to get dinner at a restaurant in XXXX, TX. As I headed home I received notification that a charge was attempted at a XXXX location XXXX $ XXXX frantically opened my XXXX XXXX and tried to disable transactions for my account to stop any further activity before I was able to another transaction was attempted and clearedXXXX XXXX from my account. I contacted customer support and explained what happened and let them know my account has been compromised and I needed to dispute the transaction on the account. I was told they could not start the dispute process until the transaction either settled or fell off so I waited. XXXX at XXXX am I called them again to dispute the unauthorized activity. I received a response about my dispute on Sunday XX/XX/2022 at XXXX and the email stated they are closing the dispute and they found that no error occurred. I called them again on Sunday XX/XX/2022 and spoke with a representative and asked for the documents used to determine why my claim was denied then spoke to the supervisor who said he would submit this new information to the investigation team and have them re-open the dispute. I received an email on Tuesday XX/XX/2022 XXXX stating they are closing the dispute and they found that no error occurred. I called again on Tuesday XX/XX/2022 at XXXX pm and requested the documents from investigation conducted. I also emailed them additional documentation during that call to re-open the dispute. I called the police department and filed a formal police report sent another email to Chime to submit the police report number. I received another email from chime on Wednesday XX/XX/2022 at XXXX am stating the email stated they are closing the dispute and they found that no error occurred. I contacted them again Wednesday XX/XX/2022 and requested to speak with a manager she has re-opened the claim and I am waiting for the them to investigate for a fourth time. please help.
11/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 90805
Web
I have my XXXX XXXX card statement & XXXX XXXX secured account statement with deposits of {$1400.00} & an ending balance of {$1300.00}. An amount of {$1200.00} was reflex as my new balance and on my statement its says that my balance was scheduled to be paid on XXXX using my funds in my secured account. I have called Chimed multiple times on this matter trying to get an understanding on how, & to who my credits was paid to and they havent yet to inform me. I was uninformed about the secured agreement automatically making payments using my secured account to make payments due on my account well since I disabled the feature and now making my own payments due I have funds in the secured account & made a payment of {$25.00}. Chime couldnt tell me where the funds was going when I made payment from my secured account and when I asked about the {$1200.00} payment made from secured they still couldnt provide the information, now Im competent and understanding. Chime has credited my account never and I been using my credit since XX/XX/XXXX and have statements to prove so. The supervisor Advised that my funds I deposited were held in my secured account to make payments due but when I made purchases on my card the fund was debited when transactions occurred. I now have {$700.00} in my secured account before I paid out {$25.00} to see exactly where the funds go and Chime XXXX XXXX couldnt tell me where.Me knowing law a deposit is a unpaid balance due and Im now competent enough to know I have some unpaid credit payments due and Chime, XXXX, or XXXX neither have paid any credit due to me. I want to know where exactly my funds that been paid from my secured account go. Also I demand a refund from all transactions paid out by my securities in account that wasnt needed to cover any transaction made because I deposited my money to cover all transactions made on my credit card. I attached proof of unpaid credit due and it shows payment been made on XX/XX/XXXX
08/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30349
Web
On XX/XX/XXXX XXXX separate transactions came out of my Chime bank account in the amounts of {$310.00}, {$100.00}, and {$100.00} from a merchant by the name of XXXX and I did not authorize these transactions nor do I know how you all could have processed them. I have no open rental or any pending charges on my XXXX account. I immediately called XXXX about my concerns and they confirmed that those transactions were not on my account and were not attached and instructed me to contact my bank for the dispute. I called my bank and alerted them of these fraudulent and unauthorized transactions and at the time ( XX/XX/XXXX ) the three transactions were in " pending '' status so they claim they could not do anything regarding a refund but they stated that XXXX did cancel the transactions and they should cancel within 7 business days and the funds should return to my account. On XX/XX/XXXX I checked my Chime account and I saw all three transactions were settled. I called Chime support and spoke with the dispute department and a dispute was filed on my behalf over the phone by a representative. I was given a claim number ( XXXX ) and was I told that I was eligible for a provisional credit and that I should receive a confirmation email with all of this information. Credit never arrived ( of course ) and I got a decision for my dispute less than XXXX hrs from filing it and the decision was DENIED. There are several things wrong with that decision as XXXX and Chime agreed that the transactions were indeed fraud but I had to wait until they stop pending to file a dispute if they weren't canceled off but as I stated above they didn't cancel off as they said they would and they settled so that is why I went the dispute route and got it denied. I immediately called Chime to get to the bottom as to why it was denied and they offered to file a rebuttal but I am not hopeful that they even called the merchant to discuss anything or I would have my money back.
01/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • MD
  • 21144
Web
Chime Dispute Claim ID : XXXX XXXX XXXX XXXX I authorized a one time payment using my chime account via XXXX XXXX XXXX XXXX XXXX for the dollar amount of {$300.00} for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX After NEVER receiving the item no tracking information and no contact from the merchant I filed a claim with chime for the total of {$300.00} Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Chime has denied my claim 2 times sending me emails stating Hello XXXX XXXX, 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. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. Sincerely, Chime Disputes Team I have filed a police report and provided the police report number to chime where chime states they never received the documents however upon sending the police report number chime sent me a email stating documents received. I also have the police report information directly to the chime support member that answered the phone. Police Report number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reopening my claim within less then XXXX hours chime has closed my case and sent the email stating 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 provided ample proof and documentation that I NEVER received the product and was scammed & chime is refusing to refund my money and has yet to send me the documents used to come to a conclusion to deny my claim. I have filed a complaint with XXXX XXXX XXXX XXXX XXXX
08/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • WI
  • 53703
Web
On XX/XX/2021 my XXXX XXXX Account was placed on hold. I was emailed on XX/XX/2021 by Chime Member Services that my Spending Account was closed after a recent review. The same day I emailed Chime Member Services asking why my account was suddenly closed with no warning after I had provided documents confirming my identity when the hold was placed on the accounts on XX/XX/2021. I was sent multiple automated emails from Chime on XX/XX/XXXX and XXXX and attempted numerous times to get into contact with them via phone, email, and social media where I was then blocked for hours after requesting help regarding my account closure. I was told by Chime Member Services as of XX/XX/2021 my account was " not in compliance with its internal policies and the member agreement executed at enrollment ''. To access any remaining funds further documentation was requested although I had sent those documents already and should have been on file. I continued to email and received no response from Chime. I repeatedly requested documentation from Chime to show how and when my account was not in accordance with their policies but I was refused and sent links to the policy and automated messages from Chime Member Services. I was told my Chime Member Service representative " XXXX '' that a check of the remaining balance in my accounts would be mailed. I have never received a check as of XX/XX/2021. I emailed Chime Member Services on XX/XX/2021 for an update on my check and was sent an automated message. I reached out again on XX/XX/2021 to Chime Member Services and received an automated message. On XX/XX/2021 I was told I was " ineligible '' for a refund of my remaining balance. I sent documentation of the email stating I was to receive the check with my remaining balances as stated a month ago. Chime responded they were " unable to disclose further information about the closure of my account '' and attached a link of their policy and have yet to respond further.
10/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • NY
  • 11221
Web
Me and my wife both applied for chime roughly about three years ago why she kept her account active I decided to not activate or use my account XX/XX/XXXX my wife went to family dollar general to deposit XXXX on what she thought was her card to pay the light bill but it was my card she end up taking out the home it wasn't to she got home to pay the bill online she realized the card was mine and not hers so we called chime they explained I had to go through the email link to my chime account explain the situation send pic of front and back card and the recipt they also explain to me the account was suspended and card lock so they needed the receipt to make sure the deposit was issue on the card and someone will reach me in two hours it's been five days and I called several times to be told it went from one department to another and I will be getting a email shorty today the XXXX the they told me they must first investigate why wld a deposit go through on a lock card from they end before they proceed in taken any action of resending my money I stress to them because of the incident our lights was turn off for not paying we need have a special needs child it's very important we get the deposit back and I ask several times if a card is lock how can it work one way how can it accept but can't take off and why do I have to wait for them to solve the error before they handle the situation at hand of getting me my funds back rather it's a check sent or any other alternative because I'm still not interested in keeping it wanting to be a chime member especially after how they handling this current situation I was email on the XXXX the I will be getting a email from them in two hours that never happened I've just been getting the run around I email and I keep getting the same response for five days now than they telling me they didn't receive my ticket until XX/XX/XXXX which is not true this has been going on since Friday XX/XX/XXXX early mid day
09/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • OH
  • 44094
Web
On XX/XX/2021 I received email notification about a new ChimeXXXX account opened in my name that I did not apply for. I later received a ChimeXXXX debit XXXX card in the mail at my address that I did not request. The account and associated card were fraudulently opened using my identification. I contacted Chime by phone and by email. After a days-long series of communications with Chime support and after supplying information they requested, Chime said they would close the account. I also contacted them by mail asking for the card to be cancelled and related accounts closed. I specifically asked to be notified in writing, preferably by paper mail, once the above actions had been completed. I never received any written confirmation by mail from Chime. I further requested whatever additional information they could provide on the identity or location of the person ( s ) responsible for the fraud so that I could include this in the report I filed with my local PD. I never received any additional information. I reported this fraud incident on the FTC 's XXXX site. To the best of my knowledge, no action was taken by the FTC based on my report. Because the card I received was issued by XXXX XXXX XXXX, I also reported the fraud incident to the FDIC. Banks are required by law under the Bank Secrecy Act and USA Patriot Act to have a customer identification policy which ensures that they verify the identity of prospective customers before opening accounts. That clearly had not been done in my case. XXXX did reply to my FDIC complaint. However, it was clear from XXXX response that they are entirely reliant on Chime for account management and customer identity verification. So I am refiling my complaint with the CFPB in hopes that they are the right agency to provide oversight. To the best of my knowledge, no action was taken by the FDIC against either XXXX XXXX XXXX or Chime Financial Inc. for apparent violations of the BSA and USAPA.
04/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 762XX
Web
On XX/XX/2022 I was notified that the phone # on my account had been changed to a phone # that I have never been associated with ( XXXX ). I immediately contacted the bank to notify them of this. They told me that they were unable to change the # back without specific documentation and froze the account. I attempted to provide the documentation ; however, it was still not sufficient, so at this point I had lost all access to my account since it logged me out. I had 3 accounts with Chime, a XXXX, a XXXX XXXX, and a XXXX. Through my XXXX account I was able to see the transactions that the hackers transferred all funds from the savings and checking into the credit builder and then made two transactions totaling {$2600.00} ( one for {$230.00} and one for {$2300.00} ) to an XXXX XXXX XXXX in XXXX on the card ending in XXXX. I immediately called and disputed the transactions. I was told that they were pending and if they went through then the dispute process would be started and could take up to 90 days. After I hung up from that call I received an email that they proceeded to close all of my accounts. This made it to where I could only communicate to them through email. I sent several emails that went unresponded to. Finally, on XX/XX/XXXX I sent another email that they provided some basic information regarding their disputes process to. Today, XX/XX/2022 I received notification that they have denied my dispute and deemed these two transactions as legitimate. I spoke with the bank yet again and they stated that I am required to provide additional documentation in order to prove that I did not do this. I am not sure what other documentation I can provide at this time since I did not make these transactions. The account was frozen on XX/XX/XXXX when I attempted to buy groceries at XXXX on XXXX XXXX in XXXX, XXXX ; however, the hackers were able to use the card the very next day. I am unsure how that occurred if the account was frozen.
08/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • GA
  • XXXXX
Web
Initially, I contacted the prepaid debit card company Chime, on XX/XX/2022, via email for unauthorized debits that were drawn from my account. I received my direct deposit every two weeks into my Chime account and Chime acts as my financial institution that failed to honor my request for revoked authorization that was made prior to XX/XX/2022, via the Chime Bot. Chime was contacted via email and advised that there were 5 unauthorized transaction that occur on XX/XX/XXXX. 2022 by XXXX or it may appear as XXXX XXXX, I advise Chime that the merchant no longer had the authorization to debit my account. Yet on XX/XX/2022 after all efforts on my end to ensure that an unauthorized debit doesn't occur. XXXX XXXX XXXX XXXX was able to debit my account 3 times for XXXX then started to take random amounts of XXXX and XXXX which cause my account to go into overdraft status. I contact Chime yet again to advise that the merchant no longer had the authorization to draft my account. I spoke with several representatives who advised that the merchant will no longer be able to draw from my account. Yet on XX/XX/2022, another transaction occur from XXXX XXXX after speaking with Chime representatives to revoke authorization. They should not have been able to draft my account and do not have any authorization to debit my account. Any transaction that is honored, is without my consent. The debits continue to occur although Chime has been contacted several times via phone and email and advised as my financial institution not to honor any transaction from the XXXX XXXX XXXX. The debits continue to occur although I have received a new debit card, I revoked authorization. My request is not being honored as a result I am being forced to pay for transactions that show not be drawn from my account. This matter has caused hardship by allowing an unauthorized transaction to continue to be honored. Another attempt to debit my account occur this month in XXXX.
01/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 75068
Web Servicemember
On XX/XX/2021, I awoke to a text from my bank. This is not unusual because I receive a text every morning with my balance. However, I should have had {$1200.00} in my checking account, and the text told me that I only had {$39.00}. Immediately I opened my banking app and saw that there was a {$1200.00} " Pay Friend Transfer '' to someone named XXXX XXXX I do not know anyone by this name, and I did not authorize any transfer of money to this person. Immediately, I called the customer service number to speak to someone, and I also froze my debit card, just in case the person tried using my numbers to purchase anything else. I spoke to someone who transferred me to the disputes department. There, I was told that I would need to fill out a form. No advice was given on whether or not I should close my account and open a new one, or how quickly I could expect to get the money returned. All that was said was, " fill out this form. '' Nothing could be answered about when I could expect to hear from someone regarding this incident ... just, " fill out a form. '' And now it has been FOUR DAYS and I haven't heard one word. Not one word. My money just disappeared and I am left with nothing for FOUR DAYS. Even now, I am sitting here typing this letter while on hold, just trying to talk to someone at the bank about this. I have been transferred 3 different times, and have been on hold a total of 1 hour and 15 minutes. I am a single mother with XXXX children who works XXXX XXXX XXXX XXXX XXXX XXXX. I am literally left with no access to funds and no one seeming to care or want to help. I'm tired of " filling out forms. '' I did nothing wrong. I was the victim of a theft, and I need my money. My rent was due on the XXXX, and I have had a transaction go through and now my account is in the negative. I just need someone to help me. {$1200.00} is such a large amount to me, I can not tell you how devastating this has been to me and my family.
08/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OH
  • 45385
Web
I " lost '' both of my Chime debit cards and my ID on the weekend of XXXX. Come to find out the debit card associated with the " credit '' account ( really, its just my funds ) and I.D . that I thought I had lost XXXX were recently found in my 15 month old 's toy box. I had requested a new debit card from Chime on my " checking account '' and went to the Ohio XXXX for a new license. In the meantime, I issued myself a check from my checking account, knowing that it would come first and I could go cash it. I have history in banking and credit. I am a low income Mom for the first time in my life at XXXX XXXX XXXX, with no support. I just needed access to my {$260.00}. I received the check in the mail and went to cash it on XX/XX/XXXX. XXXX wouldn't even cash it. That's pitiful. So I redeposited it on XX/XX/XXXX, into my checking account. I called on that date and requested the funds be made available because it's a check from me, to me on the same account, and issued from their bank. They played phone tag and just transferred between each other before I finally gave up. Today, XX/XX/XXXX at XXXX XXXX. I received an email saying the check has been cashed. It's XXXX XXXX. and the funds still haven't been placed in the account. I understand they are affiliated with a larger bank. As an affiliation, that check being cashed by should be issued to the Chime receiving account at that moment. Why is this legal? Why is Chime getting away with holding funds? Especially when it was a check that I issued myself to myself, that no one wishes to cash. Obviously, it's a larger issue. I will be closing my accounts and returning to a physical bank. I have nothing holding me back from having an account with anyone and I've learned my lesson. Their data processing department should be able to see the check and deposit it. Ive working in those departments in banking and in prescriptions through pharmacies. It makes no sense to me. Chime is a joke.
12/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • TX
  • 77590
Web Servicemember
On XX/XX/XXXX I made 2 transactions with my chime account. I transferred XXXX from my XXXX account and I went to XXXX and added XXXX after that. I put the money on the card to pay for my utilities and the only reason I didn't do it immediately was because I needed to add another XXXX for the fee. My notifications said my email address was updated and next one said the phone number on my account was updated. This was at XXXX. I checked my phone and tried to access my account but I was unable to because all my info had been changed. I called chime immediately and I was on the phone with different agents for the rest of the night and I was just told to change my email address and phone number on the account but the card was still active. I sent them everything they requested from me and I still haven't received anything in regards to a resolution, they have not deactivated my account or card and they have failed to update the email address i gave as an alternative so I still can't access the account to see what transactions were made, i called twice since to have them correct the email address and they have not. Instead I am being treated like i am personally being investigated. There has been no response to refunding my money, and I have been receiving texts from the same people who have stolen my money and account info. They are saying that I authorized the transfer. If I had, I would not have changed my info before I allowed money to be transferred from the account. I feel like I'm being treated like this criminal while they continue to access my info, and now texting me and asking me to send my access code. I have spoken with my family and friends and those who have had any problems such as mine all said either they were notified about the activity and they all had the funds returned within a few days and without the extra that they should have used to protect my account instead of making me feel like I did something wrong.
10/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • VA
  • 240XX
Web
filed a recent complaint against chime financial inc about a dispute I filed with chime. I purchased XXXX love chairs vintage from a merchant on XXXX market on XX/XX/2022 I paid the buyer and was supposed to received my items no later than XX/XX/XXXX when I went to communicate with the merchant they blocked me and the page had been removed. I had to wait for the purchase to settle. I went to chime to file a dispute and was immediately denied within XXXX hours. I then asked for my claims to be rebuttal again chime denied them again chime told me to include information that I may have not submitted to have my claim investigated I then uploaded receipts that shows I paid and a contact between the merchant and myself both signed and dated that states if they buyer doesnt receive the items by XX/XX/2022 that a FULL refund would be given to me. I tried requesting a refund from the merchant and it was denied. I then went back to chime and asked for proof of what they used to investigate my claim and why it was denied so quickly. To my surprise chime never used the receipt or the contact that I uploaded over 5 times for the investigation. Chime again denied my claim and has yet to respond back to me about why my claim is not being properly investigated but instantly denied. I just want a refund I didnt received the items I paid for and it isnt right that chime allows its customers to get scammed and they dont even properly investigate the disputes. Chime doesnt care about its customers and Im so feed up with this issue. Its not right that someone can scam you and block you and chime sides with them even after sending proof. Bellow I attached the documents I sent to chime and what chime actually used in the investigation. Chime DID NOT DO ACTUAL INVESTIGATION on my claim they just denied my claim without reviewing it. As I explained and sent to chime the merchant denied my refund and block me on every site where I can not reach them.
09/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MA
  • 02169
Web
YOUR COMPLAINT My claim and rebuttal has both been denied by my chime bank account dispute team. I asked that everything be looked over properly. On XXXX I purchased two shoes from an online store XXXX ( XXXX XXXX ) This company is super sketchy doesnt seem legitimate because they have since changed their website and email. the seller has being very deceitful. I have attached the tracking number they have mentioned with a screenshot of when it was delivered XX/XX/2021 I have also provided my screenshot of the tracking number I gave the seller that shows the items were to delivered back to them on XX/XX/2021. Along with that I have attached the screenshots of the conversation through email with the seller and I which my return was accepted and I was provided the return address and guarantee a full refund. Once I sent the item back I was ignored and later blocked I have provided that in the screenshot as well. It will also show I asked for a refund on XX/XX/2021 just days later after I received the items. No where over or close to 30 days. Shockingly chime has denied my claims when I have shared all supporting evidence and documentation. I am reaching out because this is the second time they have denied my claim when goods/services were paid by me and not delivered by the seller. the items were RETURNED because I was sent the wrong items The original purchase was XXXX in the amount of {$260.00} for the items sent not being a described. The reference number for this first claim is ( chime ) # XXXX. I then was finally able to get a return address from the seller and asked to pause the dispute ( XXXX ) I returned the items to the return address the SELLER EMAILED ME. The tracking number for the returned items is # XXXX. It was delivered successfully on XX/XX/2021. However I never received a refund so I filed a new claim for the SAME ORIGINAL TRANSACTION ( XXXX ) {$260.00} on XX/XX/2021. The seller has both the items and my money.
08/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 150XX
Web
XXXX Contacted Chime regarding a direct deposit of {$200.00} from my job, they stated they had not received it XXXX Contacted Chime regarding a direct deposit of {$200.00} from my job, they stated they received my other deposit on XXXX and it was included in there which was {$2600.00}, which it was not I was shorted on my pay. Later I got proof from my job that the money was sent at XXXX XXXX on XXXX, but Chime again said they did not have it. XXXX Contacted Chime thinking it needs to process, via email with the attached proof of the transaction and later Chime asked me to verify who I was. I sent my license photo and my social showing the last 4 numbers. Explaining to Chime that I am going through a divorce and my license and social are not the same due to Covid and not being able to change it and I am divorcing not changing my social to only change it back. XXXX Chime asked for more verification and I have had my checks with my married name go into this account for almost a year from more than one job. I sent a tax document from the IRS with my last 4 and my maiden name and my husband 's name from XXXX taxes when we filed jointly. along with pay stubs from when my name changed, my latest pay stubs that went into this account, a photo of my Chime card, and a Screenshot of my balance in my accounts. I told them I have no other proof I can send please return the money again. They did send it back to my employer, but concerned they will hold my future pays now. I can file taxes with the IRS only with my maiden name cause my Social was not changed so when I opened the Chime account with my social security information I opened my account with the proper last name on my Social Security. I also name all the people that they have on file who I referred to Chime. When I spoke with someone I asked about me account and she was willing to close my account if I wanted easily but I sent you legal documents and you could not help me.
06/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 22207
Web
I opened an account with Chime to take advantage of their good savings rates. I promptly started transferring money from my regular bank ( XXXX ) to my account - tens of thousands of dollars. After some time, I saw that a third bank with whom my husband and I have our mortgage - XXXX - offered a better savings rate, so I started to try to move my money out of Chime with the intention of closing my Chime account. I was able to transfer {$20000.00} from my Chime account to XXXX before Chime inexplicably locked my account. I can not access it at all. In order to gain access to my account, Chime is requesting I send the following information over non-secure email : SS Card ( Signed ) Proof of income ( W-2, paystub, etc. ) An explanation and documents for the incoming funds via transfers from " XXXX '' for {$30000.00}. Please include your account statement showing what funded your " XXXX '' account, the transfers to your chime account, and that it belongs to you. Under no circumstance will I provide a photo of my social security card via email. This request is so outrageous that I thought Chime must be a scam. However, when I then called them, Chimes customer service indicated that I would have to provide this proof of identity in order to access my funds. I offered my SSN, DOB and address to Chime by phone to verify my identity and unlock my account, but they insisted I had to provide the information via email. Their customer service tried to argue that emailing Chime from my XXXX email was a secure email- which is ridiculous. In addition, the {$30000.00} I had transferred from XXXX had been in my Chime account for some time before I tried to move it out - this time to XXXX. I see no reason why I need to provide proof of those original funds in order to access my Chime account. I have at least {$20000.00} still with Chime. I am desperate to get it transferred away from Chime after this terrible, stressful experience.
12/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 90044
Web
On XX/XX/XXXX at around XXXX I called my bank to inform them of the unauthorized transactions on my account totaling {$1600.00}. I had told them that I had contacted the merchant which whom I'd never heard of, but was unable to find anything out. The transactions had been spread out, yet Chime never thought to flag these constant multiple transactions from an online merchant from another country. On the following day, XXXX XXXX at XXXX however, I received a decision on my dispute. According to Chime, they say those purchases were authorized by me, which they weren't. After complaining that they did not even look at the material facts, and informing them that I'd be filing a complaint, they sent me a followup email telling me that I could submit a rebuttal if I was not content with their decision. I immediately requested the documentation they used to make a decision on this dispute in less than XXXX hours, but I was met with resistance. I requested they begin the rebuttal and look at the material facts and provide me with something as I don't know that merchant, don't know what they offer, and have never authorized a payment to them. I waited since XXXX until this Monday, for the documentation they used which only contains a list of the transactions, the fact that I had my card when I reported this but they don't mention if the card was physically swiped so this has nothing to do with someone using my card information. The question about my pin being in a secure location should simply say yes, because memorized is secure. " If no, then where? '' should not be answered unless memorized is not secure. Lastly, their reasoning for their decision is because the account balance was drained. It is overwhelmingly clear that Chime has not done their due diligence with my dispute and simply denied it in under XXXX after being filed, denied without any proof other than the account being drained, possibly in an act of discrimination.
01/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AL
  • 35801
Web
My mother was contacted on XX/XX/2023 by someone claiming to be a bail bondsman who was working on getting my sister out of jail and into a XXXX facility. She put the man in touch with me so I could assist with digital transactions as this is not something she is familiar with. My mother forwarded an email to me that contained an attachment appearing to be from the XXXX XXXX XXXX regarding a felony charge against my sister. The charge was verified by checking the county website for current inmates. My sister had been picked up for a possession charge, which is a XXXX XXXX felony for certain XXXX in the state of XXXX. The man stated he would require XXXX XXXX of her bond to work on her behalf to get her into court-ordered treatment. I received a request to pay via my Chime account in the amount of {$260.00} to satisfy the XXXX XXXX of the bond. I subsequently submitted this transaction via the app on my phone. Later in the morning, my mother received a call stating there were additional charges against my sister in a different city. According to the " bail bondsman, '' my sister had XXXX traffic violations in the city of XXXXXXXX XXXX. My mother received a second document via email attesting to these charges. The charges for this totaled {$600.00} and, according to the bondsman they would not agree to dismiss these charges until paid in full. Without dismissal, my sister would not be able to attend the rehab program. I then received a Chime request for {$600.00}. I was only able to pay {$260.00} due to transaction limits on my Chime account. I paid the remaining {$270.00} via a " barcode reload '' at a XXXX XXXX store. In total, the " bail bondsman '' received {$770.00}. As the day wore on, I became suspicious. I contacted the county jail to ask if they were familiar with this " bail bondsman ''. The jail confirmed it was a scam and not to send any money to this person as they were not, in fact, a bail bondsman.
05/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 94116
Web
The Issue : On XX/XX/2022, I just made a purchase in XXXX XXXX XXXX XXXX at XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at which a notification from Chime alerted me on XX/XX/2022, at XXXX, asking me if I was trying to use my card at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I responded No ( see attached photo ) because I clearly just used my card for a purchase in XXXX XXXX XXXX prior to this fraudulent attempt. Then on XX/XX/2022, at XXXX pm, I received a notification from Chime that a successful ATM withdrawal was made for {$400.00} at XXXX XXXX XXXX XXXX, XXXX XXXX California which I did not make. Immediately after, there were two more fraudulent withdrawal attempts for {$400.00} and another for {$100.00} that was successfully blocked. I would also like to note that this fraudulent withdrawal was made when I had full possession of my debit card with me at my home in XXXX XXXX. I have also been a loyal Chime member for over XXXX years and have never used an ATM on XXXX XXXX XXXX once. I called Chime to immediately report the fraudulent {$400.00} withdrawal on XX/XX/2022, and they disputed the claim and stated that they have " concluded that there is no error ''. I called Chime immediately after this determination and appealed the claim. I provided them with screen shots, time stamps, etc. and they once again " concluded that there is no error '', and this was " investigation '' was determined in a matter of hours. I called again this morning XX/XX/2022 at XXXX and spoke with the Chime manager XXXX XXXX and requested the documentations that states how these decisions were made and he was of no help to further settle this issue. When asking XXXX if he can please read the e-mail statement that included proof about my claim, he lied and said that he did not have access at the moment, until I threatened him that I was going to contact legal authorities, he then was able to access and read my statement to me.
12/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • NY
  • 139XX
Web Servicemember
I submitted a check in the amount of {$100.00} and {$2700.00} to Chime Bank for mobile deposit. Chime accepted and deposited the check for {$100.00} and rejected the check for {$2700.00} and told me the system flagged the check as being deposited at another institution. I called to get the issue resolved and get the check cashed and the manager told me that the system flagged the check as altered. He explained to me that my mobile check deposit feature is now XXXX forever. He also told me that there is no way to fix the issue, and once this happens it is irreversible. I seems to me that I being profiled by Chime bank because of the amount of the check. I know the check was not cashed at another bank. But I do not know why Chime did not simply re-verify with the XXXX XXXX bank that the check was issued from. The check is ultimately from the Georgia Department of Revenue and is my back tax check. I do all my banking with Chime and they are making an effort to treat me unfairly because of my financial status. I know I do not normally have checks that large deposited into my account but that is not a reason to reject my state tax return and deny me from ever being able to use mobile checking again. This has caused me a lot of inconvenience because I pay all my bills through them. Now I have to set up another account, start all over, and run the risk of missing bill payments during the transition. It is unfair that online banks are able to do whatever they want simply because they do not have local offices ; their computer systems make decisions based on algorithms that are inherently biased towards the rich. Someone making a phone call to the check issuing institution would have quickly resolved this situation ; instead someone is making a final financial decision for me based on a computer mistake. I would appreciate if this type of situation comes to light and helps any of the other financially little guys like me. Thanks.
11/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • GA
  • 30044
Web
Chime Financial Inc Consumer Complaint Division XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : XXXX XXXX Email : XXXX Re : account number XXXX OnXXXX XXXX, Idisputed a charge in the amount of {$160.00} for a service I didn't use when I didn't hear from the merchant XXXX XXXX to cancel the registration. Chime has issued a temporary refund. The merchant then contacted me asking me to reverse the dispute so that they could reimburse me directly in order to avoid {$35.00} charge. I agreed to work with the merchant. I then called Chime to reverse the dispute and the agent reassured me that it would be no problem to reopen the case if the merchant did not issue the refund. When i called the merchant to process the refund, they said they couldn't locate any charges to issue a refund but they provided me with proof that the order was canceled. As a result of that, I submitted a rebuttal to reinstate my account with that amount since the merchant had trouble on their hands issuing the refund. Chime denied my rebuttal even though I have provided email proof from my conversation with the merchant confirming the order was canceled. I am disappointed becausethe order is canceled and i need my money. I only agreed to work with the merchant because the agent reassured it would not be a problem to reopen the dispute and get my {$160.00} back on my account. Otherwise I would not have done it. To resolve the problem, I would appreciate if Chime could the {$160.00} back on my account since the service is cancelled. Enclosed are my conversation with the merchant confirming the canceled service along with the fact they had trouble issuing a refund since they're not seeing the new charges. I look forward to your reply and a resolution to my problembefore seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or via the email listed above Sincerely, XXXX XXXX
12/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 48192
Web
XX/XX/2023, I was attempting to dispute a charge I made on XX/XX/2023, with XXXX XXXX in the amount of {$100.00}. ( This initial dispute was due to me never receiving the tracking number or any kind of correspondence from the XXXX XXXX ). I tried to XXXX the Chime Support number and there was a fake Chime website with a fake number ( XXXX ). When contacting this number a woman answered, and I was explaining that I wanted to dispute a charge. I couldn't understand the woman due to her thick accent. After being on the line for XXXX minutes, I just hung up. I called a friend and was told that I could dispute the charge on the Chime website. I went on to dispute the charge on the Chime website and went on about my day. About an hour later, I received a call back from multiple numbers ( XXXX and XXXX ). When I finally answered, a guy who said his name was XXXX XXXX, stated he was calling in regard to my dispute. He stated that he wanted to do some further investigation on the dispute because he saw that someone was attempting to hack into my acct. He asked that I download an app called " Any Desk ''. He stated that he wanted to walk me through steps to lock the account so that I couldn't be scammed. He sent over a code for me to accept and once I accepted the code, he was able to get into my cash app and send himself {$990.00} to a card ending in XXXX ( this card is not mine ) then turned around and sent himself another {$650.00} on my chime " pay people '' to an email ( XXXX ). I have absolutely no access to this email or this card ending in XXXX. I've filed a dispute ( XXXX and XXXX ) and I'm currently on my XXXX rebuttal. I'm asking for help with my dispute. I filed a police report today, XX/XX/2023. I have to wait until Monday, XX/XX/2023, to receive the actual hard copy, but I do have a card with the report number ( XXXX ). Filed police report at the XXXX police station with a XXXX XXXX ext. XXXX. Thanks for your time
12/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NJ
  • 085XX
Web
On XX/XX/XXXX my account was charged for {$140.00} by XXXX XXXX - So I contacted them and they gave me a different name and a different zip code that was associated with that card. I explained to them that's not even the correct name attached to the card or address. XXXX instructed me to contact my bank because everything went through on their end. So I contacted my bank which is Chime on XXXX XXXX and told them about said charge and the representative filed a dispute for me. The next day I went through my entire account and noticed transactions from XXXX, XXXX, and XXXX. So I opened a claim with the bank again and XXXX and XXXX we're both blocked from my account, and I asked them how were they still able to charge my account. XXXX of the charges from XXXX came back to me and they were " direct debit '' charges, but the other 2 charges were denied as well as the charges from XXXX and XXXX and they did not give me a reason, they just said " they determined there was no error '' and I literally can not understand why when I did not authorize none of these charges. I contacted XXXX again on XX/XX/XXXX, and was able to speak with a supervisor & explained everything to her. She was able to issue me a refund and it never came back to my account. So I contacted Chime again today and spoke with 6 different representatives and they all told me something different. 3 representatives told me " it doesn't matter if the card is cancelled, if there is a refund issued it will be going back to the same account. '' The other XXXX representatives told me an issue can not be refunded to a card that is cancelled. After being on the phone for XXXX hr. and XXXX minutes, I did not know what to believe. All I knew was my bank did a 1-2 day investigation and found no error. When I spoke with XXXX they said they could not verify my account with my phone number or email and there was nothing they could really do without verifying who I was.
07/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 95815
Web Servicemember
I REQUESTED CANCELLATION OF The 30-day TRIAL SUBSCRIPTION ( to an Online Graphic Design Course I had signed up for on XXXX ) MANY TIMES ( by Email, Online, and by Phone ) PRIOR TO THE EXPIRATION DATE OF THE TRIAL, XX/XX/XXXX, WHICH XXXX never ( failed or refused to confirm ) confirmed ; Subsequently, they charged my ( former ) Visa ending XXXX {$69.00} on XX/XX/XXXX, and CONTINUED TO CHARGE ME {$69.00} EACH TIME FOR ( XX/XX/XXXX, XX/XX/XXXX ) even After I filed Disputes with my Bank about the Unauthorized Charges and DESPITE MY CONTINUING COMPLAINTS to them by email and online about their Billing me in Bad Faith UNTIL I FINALLY GOT A REPLACEMENT VISA THEY COULDN'T CHARGE ( Which My Bank Should have done for me immediately after I filed my 1st Dispute on XX/XX/XXXX of the 2nd Unauthorized Charge on XX/XX/XXXX Or Even After I Filed my 2nd Dispute on XX/XX/XXXX, About the Last Unauthorized Charge on XX/XX/XXXX, ) AFTER I REQUESTED A NEW ONE WITH MY 3RD DISPUTE FILED ON XX/XX/XXXX ; ; ( Which was Actually About the 1st Unauthorized Charge to have occurred on XX/XX/XXXX, but which I hadn't discovered until I had already filed the 2nd Dispute about the 3rd charge! ) ; Furthermore, REGARDLESS OF MY BANK 'S RECENT DENIAL OF MY CLAIMS and Resulting Reversal of the Provisional Credits they had Previously Granted Me Which Was Done Without Any Notice ( s ) /Reason ( s ) for their/My Bank 's Disapproval, Thereof, I AM NOT legally, financially, or otherwise RESPONSIBLE FOR THE {$200.00} CHARGES SUBMITTED TO MY BANK IN BAD FAITH/Fraudulently/Without Authorization As Described Herein, SO I AM THEREFORE SEEKING RECOVERY of the full amount OF {$200.00} FOR AFOREMENTIONED UNAUTHORIZED CHARGES BE RETURNED TO ME personally or refunded/credited back to my Chime Checking Account ending XXXX As Soon As Possible BY EITHER OR BOTH of the Other 2 PARTIES To This Complaint WHO/WHICH ARE or Were Legally RESPONSIBLE. Sincerely, XXXX XXXX XXXX
05/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 75243
Web
XX/XX/23 AT APROX. XXXX THERE WAS AN UNAUTHORIZED TRANSFER OF {$1500.00} FROM MY CHIME ACCOUNT TO ANOTHER CHIME ACCOUNT UNDER THE NAME OF XXXX XXXX ( $ XXXX ). I HAVE ATTEMPTED TO DISPUTE THIS TRANSACTION MULTIPLE TIMES AND RECEIVE THE SAME OUTCOME. I'VE PROVIDED ALL PROOF THAT I'VE HAD TO THEM, WHICH INCLUDED THE PHONE NUMBER THE HACKER USED TO CHANGE THE ACCOUNT HOLDER ( MY NUMBER ) TO ( THEIR NUMBER ). THEIR REASONS FOR DENYING MY CLAIM IS UNACCEPTABLE ( SEE ATTACHED FILE ) 1. MY DEVICE WASNT LOST OR STOLEN NOR WAS PASSWORD SHARED. 2. YES MY DEVICE WAS USED DURING THAT TIME BECAUSE I RECEIVED A TEXT ABOUT A SECURITY CODE SO I ATTEMPTED TO CHANGE MY PW AND MY NUMBER BACK SO THEY WOULD BE KICKED OUT OF MY ACCOUNT BUT WHILE I WAS DOING THAT THEY WERE ABLE TO TRANSFER THE FUNDS THAT QUICKLY. THEN IMMEDIATELY AFTER I CALLED CHIME TO FILE A DISPUTE. 3. MY DEVICE WAS USED IN THAT TIMEFRAME BECAUSE I WAS TRYING TO COUNTERACT THE THE HACKERS ACTION AT THE SAME TIME THEY WERE MOVING THE MONEY. 4. THERE WAS A FUNDING EVENT BEFOREHAND BECAUSE I WAS HUNGRY AT XXXX, NOT SURE HOW THAT WAS RELEVANT. 5. I DON'T UNDERSTAND HOW AND WHEN THEY GOT ACCESS TO MY ACCOUNT BUT THEY DID WITH EASE. I'VE ASKED TO SPEAK WITH THE INVESTIGATORS COVERING MY DISPUTE AND I'M UNABLE TO. SOMETHING SIMPLE AS INVESTIGATING THE ACCOUNT THAT THE MONEY WAS SENT TO WOULD NOT ONLY RESOLVE MY ISSUE BUT MAYBE OTHERS AS WELL BECAUSE I CAN NOT BE THE ONLY VICTIM, IT WAS EXECUTED TOO WELL. IF THAT ISN'T POSSIBLE THEY CAN USE THE LOCATION OF THE DEVICE USED TO MAKE THE TRANSFER AND SEE THAT MY DEVICE LOCATION DIDN'T MATCH THAT. I DO NOT CURRENTLY HAVE THE TIME AND RESOURCES TO SUE, FILE COURT CLAIMS, OR CALL NEWS OUTLETS JUST FOR ME TO BE ABLE TO HAVE MY HARD EARNED MONEY RIGHTFULLY RETURNED. THAT SHOULDN'T EVEN BE NECESSARY. IF THE PAYMENT WAS DRAWN FROM MY SAVINGS OR CHECKING ACCOUNT UNDER FEDERAL LAW I HAVE THE RIGHT TO HAVE THE ERROR RESOLVED.
06/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77503
Web
On XXXX XXXX XXXX my car was broken into and my wallet stolen at XXXX. the criminal took my wallet and with my personal information, called chime and changed my pin and went to atm and withdrew XXXX dollars plus atm fees. XXXX with my knowledge or consent. i woke up and saw the notifications and immediately called chime to report the crime. I also recd. an email from CHIME about my pin being changed at the same time, which he was able to do with my social security card which was in my wallet. i called XXXX police department, officer came out, took report, went to corner store and looked and obtained video footage of criminal using my chime card and then throwing it away. a XXXX detective saw the footage and immediately identified the criminal who he knew due to his longevity of criminal history as XXXX XXXX. I was given a police report number and the officers that were involved names and numbers. I was contacted by the XXXX a few weeks later, he was in jail in XXXX XXXX for several charges up to and including the fraud with my CHIME card. i obtained what police report they could give me and a letter stating why it was not fully completed. I forward the cops names, police report number, police report, CHIME just keeps saying it is not enough info. But, yet will not tell me what else to provide. They just keep saying it was not their fault, so they are not liable. well it was not my fault either and according to the claims on their websites, they have a XXXX liability clause if this such crime happens to cardholders. Yet, they refuse to honor what they advertise and keep telling me to keep rebutting it. This has gone on since XXXX. It is now the end of XXXX. There is no more information I can get for them and they should be held accountable for the services they offer and not vilify a victim who was robbed. I am a XXXX mother so every dollar counts. Is this something your office can help me with PLEASE?
02/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30339
Web
I filed a dispute with Chime on XX/XX/2022 regarding unauthorized charges on my account totaling {$1700.00}. On XX/XX/2022, I received an email from Chime Member Services stating that {$610.00} of my total claim amount was denied, and on XX/XX/2022, I received another email from Chime Member Services stating that the remaining {$1100.00} of my claim was denied as well. According to these emails, their " investigation '' determined that " no error occurred '' and this was their reasoning for these denying my claim. Upon receiving the initial denial email on XX/XX/2022, I emailed Chime support inquiring about the process in which I could go about appealing their decision. A member from the Chime XXXXisputes Team responded with information regarding the rebuttals process. I responded to this email on XX/XX/2022 with additional information and documentation supporting my statement that these charges were unauthorized. I received an email confirming that my rebuttal documentation was received and was told that the rebuttals process may take up to 45 calendar days. On XX/XX/2022, I received an email from the Chime Dispute Team stating that my claim had been reopened and that the additional information I provided didn't change their decision to deny my claim. They indicated that they considered the matter closed and mentioned that I had a right to obtain copies of the documents they relied on in their investigation. I responded to this email on the same day requesting copies of the documentation they referred to, and later that day, XX/XX/2022, I received a reply stating what would be included in the documentation and that I would receive the documentation within the next 10 business days. That said, I still have yet to receive copies of the documentation I requested regarding the information they used to deny my dispute claim. Despite following up, I have not heard back from Chime regarding this claim since.
05/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 778XX
Web
From the dates of XXXX I have over 20 unauthorized transactions from my chime account to a closed step.com account. Once I noticed all of the transactions I contacted chime and started my dispute I was told that since they were unauthorized the chime disputes department would be doing an investigation and I would be receiving my provisional credit within 10 business days. A couple days later dispute denied because no error was found and I reached out to support via email and told them that was wrong and that in fact an error did occur because I didnt make or authorize the transactions so support created a rebuttal and said that I can request the paperwork they used to reach the decision on my claim and again once the rebuttal has been filed I would be receiving my provisional credit within 10 days. Once again dispute denied and same thing again I reached out to support another rebuttal was filed and 20 days later after the initial denial I got the paperwork that was used to determine the denial. I found no evidence on that paperwork that would suggest that they did a proper investigation all the did was pull my transaction history well a more detailed transaction history nothing in said paperwork was from the merchant at all. Today XX/XX/2023 I was suppose to be getting my provisional credit and they wait until not only the 10 day but wait until after I call to ask them what time should I expect to receive the credit to send me an email stating they made a final decision and I can contact them to get the paperwork used to make that decision. I dont know what else to do or say to these folks to get my money back. I dont understand if I was told the system was processing my credit to my account why would they send me a email saying they are closing the dispute. I dont understand why they cant give me a fair investigation I have been with chime a very long time and havent ever had any problems until now.
09/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • GA
  • 30318
Web
I have a prepaid credit card from Chime. I purchased a subscription for XXXX on the XXXX of XXXX, by mistake with my XXXX XXXX. So I immediately called XXXX for a refund, and they in turn immediately refunded it back to my card. During this process, Chime decided to put my prepaid debit card ( which only lets you spend the amount you put on the card ) in a XXXX balance. Leaving my overall account negative ( which is not possible to do with a prepaid card ). I called to tell them of the mistake, I was belittled, told that my money was posted to my account and that it was nothing else needed to be done cause apple was still processing the refund. Weeks after not seeing the refund post, I called again to ask them " Why hadn't my refund been posted to my account? ", I was told that 1st it had been posted and I had received my money. After I assured him I did not receive my money and the amount that they had posted only fixed the negative balance that was on there ( that shouldn't have been ). They told me this like 15 times without even trying to comprehend anything I was saying. They then lied to me and told me it was because XXXX tried to take the money 2 times. So I get off the phone, call apple and confirm, the very sweet lady I spoke with confirms with me that they did not charge me twice and that the mess-up is on chimes end. So I was blatantly lied to, all because someone messed up and didn't want to fix the problem. The guy XXXX I spoke to was very nonchalant and showed no concern or care for my issue. I know it's only XXXX but I need every penny I get. I am a college student living on my own with court issues, illnesses, and other obligations I have to attend to. So I'm here begging you to please help me get justice in this matter. I work very hard for every penny I earn and I need my money back as Chime will not even listen to fix the problem. Thank you in advance. With XXXX, XXXX XXXX XXXX
12/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 38125
Web
On XX/XX/2023 I was leaving the doctor with my son when I received a message at XXXX stating that my phone number associated with my chime account had been changed. I immediately went to my chime bank app where I noticed that I couldnt log in. I called chime customer service at XXXX to get my account back. When I got connected They requested me to send photos of me holding my id to get into my account. I sent the photos to the chime email immediately. Chime then sent an email to let me reset my password. I logged into my account and noticed XXXX unauthorized transactions. The XXXX transaction was on XX/XX/2023 at XXXX for an amount of {$530.00}. The XXXX transaction was on XX/XX/2023 at XXXX for an amount of {$1900.00}. Both purchases were purchases that I didnt authorize. The purchases were from a XXXX XXXX in XXXX XXXX but it didnt show the exact location. I called chime customer service at XXXX to file a dispute. When we were on the phone they told me that I wouldnt be able to dispute it yet because the transactions are still pending and would take up to 7 days to settle. I called chime customer service on XX/XX/2023 when the transactions settled and filed a dispute at XXXX. They told me they would look into the investigation. On XX/XX/2023 at XXXX I received an email stating that my claim was closed and no funds would be credited to my account. I then called chime customer service on XX/XX/2023 at XXXX to reopen my dispute. While we were on the phone they requested me to send any proof that I had to their email and I did so. Chime reopened the investigation. On XX/XX/2023 at XXXX I received an email from chime stating that the claim is considered closed and no funds would be credited to my account. I then called chime customer service on XX/XX/2023 at XXXX to try to reopen the case. They then told me they would send me another email to upload photos with more proof. I havent received an email.
04/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 93306
Web Older American
I'm XXXX XXXX, and my account ends in XXXX, and my social security ends in XXXX. A few weeks ago, I received XXXX of my last unemployment checks and apparently there was something wrong with it. Don't ask me how, but when I called Chime, I was told the that XXXX had written XXXX checks to XXXX separate individuals but using the SAME check number. I was told your AI figured this out and it never got to a human. I had had to go through my XXXX to get my unemployment started in the first place because they were failing miserably at their job. The XXXX insisted that I attempt again, because they were just sure they could not make a mistake. I attempted to redeposit and it was rejected again. In total, they insisted, through my XXXX XXXX assistant that I do this XXXX times, and apparently you have now denied me the ability to do mobile deposits. I had to complete some form to get a new check and send it through the XXXX XXXX office via email. After a week or XXXX, I was advised I needed to MAIL the form and the check in. I now have a new check, and I HAVE DIRECT DEPOSIT ( see my social security check in the amount of {$1600.00} deposited by XXXX XXXX XX/XX/XXXX. I would like this service back. I am almost XXXX and am XXXX and can not stand in a XXXX line for great lengths of time. I like Chime but if I have no way to cash my checks that come in, it is pointless to use Chime as my bank. You can clearly see from the back of the check that the XXXX insisted I continue to redeposit this check. Please reinstate my mobile deposit. Currently, I have XXXX broken ribs and a fractured hip and have nobody to drive me, nor any money because you won't allow me to deposit it. I'd appreciate your assistance. You can also write to : XXXX at XXXX XXXX 's office for verification that I am telling the truth. Your cooperation would be appreciated. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
03/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 77346
Web
So Ive been dealing with this since XXXX now and Chime doesnt seem to want to even bother to listen when I keep telling them that I never received both of my refunds back. So I ordered a ticket for electric forest to XXXX and XXXX had double charged me so I disputed it to chime. Now chime took it in and adjusted my balance with a credit. Me not knowing that chime was the one who adjusted I cancelled thinking XXXX refunded one of my 2 {$96.00} payments. So I email chime and tel them I didnt mean to do that and to say it will be reversed in 5 days and that I would have to email again to get it rebuttaled. So I wait and I email them 5 days later and tell them that it went through. The next day or two XXXX refunded one of them {$96.00} payments. By then I had talked to XXXX. I saw my next payment plan price was double and I asked the lady at XXXXXXXX why I was getting double charged and she said that they had refunded both {$96.00} payments to me. So I tell chime about this and they say the will continue to investigate. A few days pass again and I email chime asking whats going on with my other payment that was suppose to come back to me. Now here it is almost XXXX and I still have it gotten my other {$96.00} payment. I sat on the phone with them for 2 hours today and they just dont care about their customers at all. Now its weird also that now the dates keep changing on when I supposedly got these refunds and its just really starting to make me mad. Cause I even talked to XXXX again today and the lady said I was supposed to be refunded two payments both the same price the {$96.00} payments. Ive only gotten one and chime doesnt seem to want to care about my money that I worked hard for. Im a server and we live off tips and this is just really aggravating me especially when Im providing all this proof including todays with the XXXX lady. I have every email and transaction and chat with XXXX all saved.
11/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • TX
  • 793XX
Web
In XXXX 2022, I rented two different AirBnBs. I tried to get my money back from both from AirBnB, I was denied. I filed two different chargebacks from my bank, Chime, and both chargebacks were denied. The paperwork Chime sent me claimed, " No error occured and the customer didn't follow the refund policy through AirBnB. '' However, I filed the claim through Chime on the grounds of " Bad experience. '' At one AirBnB, I got a bedbug infestation which was severe, and months later I'm still suffering. The host harrassed me and was very horrible. This was a bad experience and I got no compensation for my ruined clothes, or medication costs, or severe scarring on my arms and legs due to the bites. I submitted proof of the incredible horrible bites which also proved I was staying at that AirBnB, to Chime. I submitted plenty of evidence to Chime and still got denied with no chance to appeal. The second AirBnB, I was being screamed at by the male host ( I'm a single woman travelling alone ) and it was a serious safety issue which I have recorded on my phone. AirBnB made me stay another night there and refused to help me. I also requested my money back for this stay, as it was a bad experience. I submitted a separate email with the videos to Chime showing the harrassment of the man screaming and cursing at me, and Chime didn't even acknowledge them or me. They were planning to deny my claim the entire time. I want my full claim approved for both stays. I have been a good customer of Chime for many years now, depositing XXXX XXXX XXXX XXXX XXXX, and only ever requested one chargeback for under {$200.00}. I was literally a 3 day drive away from my hometown. I had no way to get back home until 2 weeks later as the first AirBnB made me rent another AirBnB which I had to pay in full. Then on the second stay, AirBnB told me to rent ANOTHER AirBnB instead of assisting me, so I definitely want my full amount back.
04/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 93720
Web Older American, Servicemember
All of this started in XX/XX/2022. I had a lot of fraudulent transactions on my statement, I filed a dispute claim with the dispute team at Chime online banking, I received a provisional credit which was reversed without reason. I have been going through this until now XXXX. I repeatedly asked them for a printout showing the transactions since then, but they closed my account completely in XX/XX/XXXX, then they sent me a printout on the XXXX. I was shocked, it showed all my money was gone and all the fraudulent transactions are on the printout. I tried calling company, l but since they disabled my online banking and my cards were not working since XXXX how could i transact any business. I got several conflicting emails from them wanting me to send them a selfie with my drivers license, todays date and phone number on a sheet of paper held under my chin. I did this a number of times, but they kept making me jump through hoops with different reps, never the same one. The crazy thing is I had people calling me saying that they were affiliated with chime, but when I asked the Chime representatives about it, they said they don't call customers. I sent them communication that i received from them, and them screen shots and forwarded them emails. I have been lied to so many times, and then i got the silent treatment for a few days and then they had the nerve to say after careful consideration the had to end our relationship. I am out of {$16000.00}, my printout show XXXX deductions, XXXX XXXX in XXXX XXXX, XXXX XXXX XXXXXXXX etc. I really need a breakthrough in this madness, I am a XXXXXXXX XXXX veteran, age XXXX yrs. I've filed a police report, ftc report, talked to my social worker, fbi report, nobody seems to be moving at all on my behalf. I even reached out to the local news media, but no response yet. I had to resort to borrowing money from family members to keep from being XXXX. Help me please!!
09/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 02139
Web
The Chime credit builder card inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. Info on reporting and payments with Chime : 1. Card statement is from the XXXX to the following month on the XXXX. 2. The Chime credit card payment due date is the XXXX of each month. 3. The Chime payment date is the XXXX of every month. 4. I add funds to my chime credit card and chime will put aside payments for the card and pay automatically on the XXXX of every month. Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. Chime adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 3. Due to the misleading/inaccurate Chime reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 4. Chime acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. Specifically : On XX/XX/2021, my credit score dropped an average of 23pts across all bureaus. Reason : Chime updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, Chime sent the Chime builder statement showing that {$290.00} had been paid on XX/XX/2021. This means that Chime should have updated the balance on XX/XX/2021 to only be {$140.00}.
11/26/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • ID
  • 83202
Web
Today, on XX/XX/XXXX, I deposited XXXX dollars to my chime account through an approved vender via chimes app. I got notification on my phone that I had a current balance of XXXX dollars. I went to an atm and got a balance inquiry notifying me that my amount available was XXXX dollars. Later on I tried to withdraw money and was declined. When I went to the chime app to find out why, it would not let me log in and said my account was closed. It only gave me the option of emailing but not calling directly. After sending two emails I received no response for several hours. I finally called the fidelity bank number on the back of my card and got through that way. I spoke to several customer service reps who could not give me a direct answer. I was finally escalated to a supervisor who told me my account was closed, ( I already knew this ) and an email was scheduled to go out as to why. Well she could not tell me where my money was or if I would be refunded. I finally received a reply back from chime support stating my account was closed because I tried to access my funds too soon after depositing. Mind you, I have only just started using chime, and this was my first ever deposit. He told me I would be issued a refund within 30 days via check. I told him this wasnt good enough, I literally just got paid, TODAY and they arent releasing funds that are mine. I threatened to have my lawyer ( yes, I have an active lawyer working another case for me ) contact them, and he said he expedited the process and I should receive a check within 3-5 business days. Well here I am with no money and no way to support myself because chime took my money and closed my account for no reason justifiable. I want something done about this. And Im not the only one this is happening to. That money is fdic insured and I wont stop until I get my hard earned money back. It takes me two weeks nearly to make what they took from me.
01/04/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WV
  • 255XX
Web Older American
I had an account with Chime Financial, the online banking site. On XX/XX/2022 my credit builder account was hacked, depleting my credit builder account of its funds. On Sunday morning, XX/XX/XXXX the funds were back in the account but on that evening I was hacked again. On Thursday morning, XX/XX/XXXX, XXXX XXXX, I received an email from Chime informing me that they were immediately closing my account for " non-compliance '' of their XXXX and they were not going to refund the balance of my account. With no prior warning this left me in the position of having no bank account and no funds to open a new one elsewhere. What is most distressing is that the money they are holding XXXX is a direct deposit of my Social Security payment for the month of XXXXXXXX XXXX I live on a fixed income and am dependent on this money for rent, car payments and other necessary bills. My creditors have been understanding with my situation but it has been extremely stressful and put me in an unfortunate and unnecessary burden financially. I am currently undergoing treatment for XXXXXXXX XXXX XXXXXXXX XXXX and this money is necessary to help pay for travel expenses to Ohio. I am in a dire situation and Chime is unwilling to return my funds. They will not tell me what non-compliance i am in violation of nor have they made any effort to release my money. It is my understanding that it is against the law for them to hold a federal check or a direct deposit. Many phone calls to member services have been fruitless and i am given the runaround and told that my issue will be expedited and that it takes about a month to release my funds. As of XX/XX/XXXX I do not have my Social Security check for XX/XX/2022 and they will not tell me what I did for them to close my account without due notice nor are they going to return my funds. I am desperate for help. I would appreciate any assistance you can give me. Thank you.
05/20/2023 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • 410XX
Web
I contacted Chime in XX/XX/XXXX on their customer service number that is in back of their card. I contacted them to have them transfer my paycheck money from my savings from Chime to checking to XXXX. I accidently made the transfer from my chime checking to my chime savings on the app, I tried to transfer it back and was unable that's why I contacted customer service. They told me that they would help me. They asked me to download a app to make the transfer. The app is XXXX after I downloaded the app they asked me for a code that the app would provided to me. I gave the code to the customer service rep. He said it didn't work and that I would received another code and we tried a couple of times. He then sent me to my chime app and for me to go to my settings and that's when I noticed that he had all the bank information. He then wanted me to transfer {$1000.00} to him and then he would transfer the money back to me and I would see it available in XXXX. I see an email that I transferred money to XXXX XXXX for the amounts of {$490.00} and {$490.00} on XX/XX/XXXX. I contacted chime and they transferred me to their fraud dept. They tell me that they cant help me and for me to go to the police station to file a report. I contact the police. The police told me that Chime has to make a dispute for me for this fraudulent transfer. I finally make a dispute for these unauthorized transfers. I made a dispute and they denied it. I made the police report and he provided a report number and in 4 days I will have the complete report. I send the police report to Chime through an email provided. They received it and I made a new dispute and they deny it again. I don't understand how this happened if the number I contacted is the number for Chime provided in back of their debit card. I am upset that Chime is unwilling to help me get my money back. I worked hard for this money and it was my mortgage payment.
09/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 752XX
Web
Chime is the company in question... They closed my Checking, Savings and Credit Builder accounts within 3 hours following my deposit of {$330.00}. I deposited this money into my account in XXXX.located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, last month, XX/XX/XXXX approximately XXXX. XXXX rules are when a Chime deposit over {$300.00} is made a manager must approve or do the transaction. The cashier started the process but called the manager to complete it. The money had not yet been deposited, ; cashier still held my money. We walked over to where the manager was located and the manager restarted the process on a different register in a different area of the store ; the Photo Department register. Process done. I later discovered my accounts were closed by not being able to access accounts and via email. I then realized the {$330.00}, which I only deposited once was placed in my checking account twice, due to the cashier not voiding the initial start of transaction on the first register at the front of the store. This led Chime to decide to close all my accounts. It has been communicated to me that I violated user agreement. But I have not. I did not realize there was an extra deposit. I moved money around and spent money as usual. At first I thought the money did not move so I repeated the process of moving money to savings etc. I later realized there must had been an error once the accounts were closed. I tried to explain to Chime several times that the cashier made this error... not me. They kept my accounts closed and kept {$350.00} which was my actual funds left in these accounts. They have refused to return these funds. They could had just removed the extra {$320.00}, which I never spent, and kept account open. I have emailed asking for restoration of accounts and return of my {$350.00}. And then at least return of my {$350.00}. They have refused to do at least this return of funds.
11/25/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NE
  • 68046
Web Servicemember
On XXXX I received a XXXX form from Chime XXXX XXXX which stated I needed to complete the form due to a ssn audit. I completed the form & sent it back using the pre pains envelope On XX/XX/XXXX, I reached out to Chime to ask if they had received my XXXX ( because if not, I could of transferred my funds out to one of my other banks ). The customer service rep stated if I used the prepaid envelope, then they would receive the form & there is nothing to worry about Less then 24 hours later-I try to log onto Chime and my account is closed. Unfortunately, you cant reach them on the phone without an acct so, I talk to them via email. XXXX stated if I send a copy of my SSN and ID then they may possibly be able to open the account back up. That was at XXXX XXXX and despite the fact that I have sent them numerous emails, no one responded. Also, I reached out to the the XXXX - who stated they will send my request to all of their card services team and someone will respond to me in XXXX days. This is completely unacceptable. When it comes to funds, a consumer should have better access to customer service to get these types of answers that are so needed. A couple of things that I want to mention : XXXX the ssn audit was prompted because I have a hyphenated last name and opened the account with one last name. Chime claims that the system matches names from deposits to bank accounts. However, I have had direct deposits go into my Chime account under my hyphenated last name. * they did not give a 30 day window to return the XXXX ( even though we are in a pandemic and its election year, PLUS the holidays ) they notified via email on XXXX that I was going to need to complete the XXXX that was in route to me via mail. I received the XXXX and on XXXX, I returned it via the business reply envelope they provided. They wanted it back by XX/XX/XXXX and if not, the account would be closed on XX/XX/XXXX.
01/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 94112
Web
On XX/XX/2021, received an email notification that my Chime debit card has been compromised from the following merchants, while my card was on my belonging : XXXX XXXX - {$62.00}, XXXX XXXX XXXX XXXX - {$190.00} XXXX - XXXX XXXX XXXX - XXXX Immediately when I noticed the transaction, my emotional judgment made me dispose of my debit card, then filed a dispute and requested a replacement card using the Chime bank app. The bank sent me an email to complete the dispute form on Mon XX/XX/XXXX, XXXX XXXX. Completed the form and emailed it to the support department on Mon, XX/XX/XXXX, XXXX XXXX. On Tue, XX/XX/XXXX, XXXX XXXX, I received an email stating " 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 replied to the email stating I would like to appeal the case, then received an email stating " Thanks for reaching out to Chime Disputes Team! If you do not agree with the outcome of your dispute, you may submit a rebuttal, provided you have new information that was not provided to us previously. This new information can be a conversation with the merchant, copy of a receipt, a police report, your work schedule, etc. '' Immediately I went to my local police office to file a police report and sent the information to my bank on XX/XX/2021, XXXX XXXX. Still the same outcome. On Sat XX/XX/2021, I decided to go to all the merchants was the transaction was made to see if they can provide me a copy of the receipt for the fraudulent purchases, wasn't able to obtain it since they needed the card number which I didn't have anymore. I have called Chime if they had that information but they didn't. I did record the conversation I had with the merchant and emailed Chime to re-appeal the case on Tue, XX/XX/XXXX, XXXX XXXX, but on Fri, XX/XX/XXXX, XXXX XXXX, received an email with the same outcome.
08/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33578
Web
On XX/XX/XXXX I filed a dispute with Chime due to a car warranty contract I was paying for but didn't have the car in my possession because it was inoperable. Within 10 min after filing my complaint my dispute was denied stating no error occurred. At this point I had not even had a chance to upload any of my documentation. I requested to have the case reopened on XX/XX/XXXX as well as XX/XX/XXXX and submitted my tow and repair receipts along with the communication between myself and the company- which included my multiple requests for a refund. Each time my dispute was once again closed within an hour stating no error occurred. At this point I requested for the disputes team to submit documents to me to see why it was determined no error occurred. In return I got a blank sheet of paper stating no error occurred stating they were unable to reach merchant. I have attached this document to this complaint. I received the same document 3 separate times. The final straw was me escalating to a supervisor and having them submit the dispute again on a Saturday evening ( XX/XX/XXXX ). I received an email on Monday morning at XXXX saying the investigation was closed and no error occurred. However the merchant is closed on the weekends so how did the investigation be completed? I feel that my dispute is not being handled fairly due to the disputes representatives either lacking or have no knowledge of how a dispute works or of Reg E laws and guidelines. I have done research and see that there have been other customers from Chime that have had their claims closed within minutes or not thoroughly investigation at all and causing customers hardship. I am requesting an overhaul or thorough investigation to be completed on my dispute, along with a coaching and training opportunity with the Chime disputes and fraud team. I do not have confidence that my funds are or will be protected by this company.
11/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 92407
Web
Hello, XXXX XXXX XXXX This is XXXX XXXX from XXXX XXXX CA. I have banked with chime for the past 4 years. In the 4 years I have never filed a dispute of any regards. In this instance I lost my card & was a victim of debit card fraud were someone fraudulently obtained my debit/credit card and withdrew over XXXX dollars of hard earned cash which in fact was my rent money. In the process of this transaction someone made two transactions at a shells gas station for XXXX which at XXXX in California you can use credit which would mean no pin is needed for this transaction to occur. In fact the merchant is typically trained to ID the customer which they werent. After a transaction at XXXX XXXX was attempted but unsuccessful. I was alerted for fraudulent activity on my account and an automated message was sent to confirm it was me it wasnt. In this same instance multiple cash advances to their cashapp under the name XXXX XXXX was made within a few minutes. While I was clocked in at work I sent them a copy of my time sheet as well. Ive contacted this company in a dispute in regards to get my money back in which it was given a credit but not in full. Now as of XX/XX/XXXX the credit has been reversed because, they said since the transaction happen in my own community and they enter the right zip code it had to be me. On XX/XX/XXXX I am sent an additional email email to resolve this issue by retrieving my {$950.00} & chime said this was my error and Im now in debt on my account Ive had for 4 years. Ive explained to chime that the number one reason I banked with them was due to the Zero liability policy they say the use where customers who are victims of fraud will not be held accountable but, this is a ploy to to entice and take advantage of customers and was not used in my case. Im really hoping the CFPB can help me with Chime banking company. My chime claim is is XXXX Account ending in XXXX
11/23/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • WA
  • 98006
Web
1. I opened a Chime checking and saving account online https : //www.chime.com/ around XXXX. I used the account without any problem for a while 2. XX/XX/2020, I notified that Chime suspended my account when I tried to log in 3. On XX/XX/2020, I called the customer service number at XXXX to understand what happened. They couldn't resolve my problem and asked me email my issue to XXXX and XXXX 4. On XX/XX/2020, I emailed XXXX and XXXX with all required documentation : copy of both front and back driver license ID picture of me holding my driver license XXXX XXXX XXXX statement XXXX XXXX statement Utility statement XXXX bank statement Written explanation of last few transaction 5. On XX/XX/2020. Chime emailed me that I violated their Deposit Account Agreement Section ( I ) ( C ) ( 9 ). I read through and I did not violate any one of the agreement. Here is the copy of XX/XX/2020 message from Chime ********** copy begin ******** Hi XXXX, We have determined your account is not in compliance with your Deposit Account Agreement. Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ). If you still have funds in this account, please allow 14 days for any outstanding transactions to settle and then a physical check for the remaining balance will be sent to the address on file. You should receive your closure check shortly after. Kind regards, XXXX Chime Member Services **XXXX. copy end XXXX Chime has most of my cash and I could not really use it. Chime closed my account and I could not reach out to any one at Chime. Can you help take a look at this case to make sure Chime is not discriminating customers like me? How can a bank suspend a customer 's account without providing customer service access? What can I do now as I could not use the majority of my family cash to pay for bills during the pandemic and holiday seasons for 20+ days?
01/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 78045
Web
On Tuesday XX/XX/XXXX I received a letter response from chimeXXXX bank through CFPB portal that I needed to file a dispute in reference to my complaint. I spoke with chime this morning and they submitted my dispute and immediately denied my claim stating there was no wrong doing. I am extremely upset that their decision was made quickly without proper investigation of this matter. I want this to fixed and I want my money back as I clearly am a victim if identity theft. Below are the details of what happened that triggered this complaint process. I have taken the time to do everything right and I have followed all steps regarding this matter and I just will not accept a denial from a bank that allows fraud to happen to their customers. Please see below dispute. On Friday XX/XX/XXXX there were XXXX UNAUTHORIZED ATM TRANSACTIONS that were made at XXXX am for {$400.00} and at XXXX for {$100.00} at XXXX XXXX XXXX XXXX Texas and another transaction at XXXX Plus in XXXX XXXX XXXX XXXX at XXXX. I called Chime customer service department and requested for the call to be escalated to a supervisor named XXXX. I informed him that these transactions were done in a matter of minutes apart in different states and demanded I get an immediate provisional credit because I have pending bills to pay. I need the CFPB assistance to please allow me to get my money returned to me as soon as possible based simply because of the obvious that these transactions were done in XXXX state different jurisdictions of states in which were done without my authorization or my physical presence. XXXX informed me that he would inform the investigators in their department the severity and urgency of this matter and would inform us by email or phone with XXXX to XXXX business days. I am requesting assistance in this matter to help me get my money back immediately based on the severity of these matters of injustice.
05/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NC
  • 27804
Web
On XX/XX/2022 I received a notification that the phone number on my chime spending account had been changed. I immediately called chime customer service number and explained it was not me who changed the number. While on the phone I requested my remaining funds be transferred to another bank account to keep them safe and I requested for my account to be closed. The associate agreed that this would be the safest option to protect my funds and he reassured my that there would be no issue. A week passes and the funds never show in my other account. I reached out to chime and they said that the account had been suspended due to unusual activity and for it to be unlocked I needed to send them verification from my other bank as well as other personal documents. I have done all of this and my account is still suspended and I do not have my funds. I would just like my money and the peace of mind knowing that the account has been closed. Chime reached out to me after my previous complaint and stated " On XX/XX/2022, we contacted you requesting a listed of documentation needed to have the account reenabled. The list has provided below for your reference : Your primary government-issued photo ID ( such as a Drivers License or State ID card ) OR Secondary ID ( Social Security Card or Student ID ) For security purposes, please also provide a photo of yourself holding your ID document ( selfie ) and a piece of paper with your name and today 's date written on it. Please feel free to contact Chime Member Services via email at support@chime.com if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team '' The next day I sent the the required documents to the email address listed and the account is still not unlocked and I still do not have my money. I want the account to be closed and money to be returned to me.
10/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 07036
Web
On Sunday, XXXX XXXX at XXXX I received a notification on my phone from my Chime app with an unauthorized charge of {$100.00} from XXXX XXXX XXXX. When I received this charge I was currently getting off the bus walking to my job. I waited for the purchase to process before attempting to disputed the transaction. When the charge of XXXX posted on my account on Wednesday XXXX XXXX I attempted to dispute the transaction on my own the only option was for them to cancel my card and send me a new one. I did not choose that option at first because Chime debit card is my primary card. I then called into chime on Wednesday XXXX XXXX to explain my there was an unauthorized charge place on my card and I would like to file a dispute. The representative explained to me he would be able to file the dispute but he would also have to cancel my current debit card. I explained to how Chime is currently my primary debit card. The representative assured me it would come quick and I will also have a temporary card I can use. I agreed and filed my claim and canceled my card. A few hour later I received a email stating I was declined for my credit for the {$100.00}. I called back into Chime customer service and spoke with someone else. They told me I could do a rebuttal for my claim and add any information to support my claim. I stated to them I was at work at the timing of the transaction. I do not have anything to sow for that purchase. They helped me put in another rebuttal and again within a hour I was denied again. I have provide Chime with a video and photo of my work schedule for the entire month of XXXX showing them I was clocked in at the timing of the purchase and they declined me. They keep telling me to do rebuttal 's I have filed about 5-6 rebuttal 's on this charge since XXXX XXXX and within a hour I receive an email telling me they will not change their decision on returning my money.
07/07/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • DE
  • 199XX
Web
XXXX XXXX {$150.00} XXXX XXXX {$500.00} XXXX XXXX {$70.00} XXXX XXXX {$750.00} XXXX XXXX {$1000.00} XXXX XXXX {$750.00} XXXX XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX {$2000.00} On XX/XX/XXXX I called Chime Member Services and informed them I had been a victim of fraud. I explained I saw the transactions credited from my account and upon noticing them ( payment from phone number to phone number ) I changed my banking password and disabled international transactions on my banking app. These amounts were made with fraudulent intent via phone-to-phone transfers that were deducted directly from my checking and were instantly approved as they were all checking transactions. This does not mean I authorized or approved such transactions. Not to mention my checking account was the only account compromised. Not my savings. I filed a claims report with Chime The report states : " While the dispute is not eligible for provisional credit issued by Chime , Chime will investigate dispute types that fall under Regulation E ''. " The dispute process can take until XX/XX/XXXX. '' " Check the status of the dispute anytime on Chime. '' On XX/XX/XXXX Chime Member Services informed me that my claim had been denied as " no error had occurred. '' Chime did not provide documentation or proof of an investigation that concluded the final outcome of this investigation under Regulation E guidelines. Regulation E outlines electronic funds transfers ( EFT ) under section 1005.6. as electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. Note : This scam has compromised my funds not only with Chime but other electronic vendors like XXXX XXXX and XXXX by the same person who uses various aliases and phone numbers to seek unauthorized electronic payments.
03/14/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10456
Web
This document is for the review of a transaction made on XXXX XXXX at XXXX for {$300.00} which is completely a fraud transaction. I was in the car with someone at the time and was very far from where the transaction occurred. According to Chimes records the atm withdrawal was made at XXXX XXXX XXXX. When I XXXX searched the address it said a XXXX in XXXX XXXX, NY. I have no history of being in that store or around that area and I have stressed this several times. T-Mobile has records that detail where i was around the time of the incident because I made a call immediately when I saw the atm withdrawal notification. No history in the area along with a witness and GPS records should be more than enough to prove the transaction was illegitimate. If you look at the location of the next transaction directly after it was in the XXXX for {$200.00} at XXXX p.m. which was all that was available through my savings and spot me. The transactions were almost XXXX minutes apart not enough time to make both transactions which means no matter how you put it I am not responsible nor did I approve the withdrawal of {$300.00} at XXXX. Also, Chime has record of me reaching out immediately as do I. I have had countless rebuttals denied for this dispute and they do not take it seriously because each denial seems to come faster. This morning at XXXX. XXXX. I was notified both of my acceptance and denial for a review. I can prove it was not myself and therefore I deserve my {$300.00} dollars back. Some how they made an error and put my initial claim for {$500.00} dollars and I told them that was incorrect. I show them in the app I also wrote {$300.00} and to my knowledge they have not made that correction. It is a lot of information that I have provided but has not been used properly. At this point it seems they have no intentions of refunding me or tightening up on security both are truly sad.
06/28/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • FL
  • 34744
Web
Chime has a policy that states you can send money to anyone even if they do not have a chime account. They are engaging in predatory behavior by not reversing money they sent erranousely due to poor record keeping on their behalf. I sent {$100.00} to a friend on XX/XX/XXXX. This friend does not have chime so I option to send money by using their phone number. Before sending the money, I checked XXXX to be sure the number was correct. I went so far to ask him verbally before sending the funds. After I hit send I checked with my friend to be sure they received a text, they did not. I logged back in and saw it went to a person with a chime account that I do not know, I called chime immediately ( less than XXXX mins ) and they said they couldnt reverse it since it was no longer processing. During this conversation they removed the phone number from the chime account belonging to the other person. ( I tried to send the person a request to return the funds but since they removed the number from their account the request to return the money I sent went to my friend. ) They made me file a dispute claim that was supposed to take XXXX days they made a decision within a day I submitted screen shots that show my friends number has been the same since XX/XX/XXXX. After their denial on my dispute I sent a request for the documents used and they responded - the phone number was correct and they would not be reversing the charge. They used no documents to support their decision. And fails to recognize the issue is not the number rather the issue is that they sent it to a person who no longer has that number. Chime is negligent by not maintaining contact information for their users. And if they are unable to do so, should reverse their policy so that you cant send money to any person if they arent account holders and transfers should be limited to chime to chime account holders
08/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WV
  • XXXXX
Web
At approximately, XXXXXXXX XXXX I received a call from a woman who identified herself as XXXX from Chime Support. The phone number did register as Chime Support on my caller ID and the number was XXXX. Since I had dispute currently pending with Chime Bank because of fraud on my credit builder card, I answered the call thinking it was in regards to that issue. XXXX asked me to verify my account info and the email to my account. While I was on the phone discussing the fraud on my card the previous week, an unknown individual made 2 wire transfers on my account using Chime 's Pay Anyone feature which allows for instant wire transfers. One transaction went to XXXX XXXX for {$2500.00} and the other went to XXXX XXXXXXXX. At no time did I receive notification from Chime about the transactions until after all my money was drained from checking and savings account. I reported the theft immediately to Chime and opened up a dispute. I was told by a Chime Rep that I would need to file a police report which I did and allow Chime to do their investigation. Later that afternoon, I researched the Chime 's Pay Anyone feature and called Chime Dispute Support again, as I learned that the money drained from my account was actually in 2 Chime accounts and I didn't understand why they couldn't close those accounts down and give me back my money. If an individual has n $ in front of their names in the Pay Anyone feature, that means that their account is a Chime Account. Andie from Dispute Support confirmed that yes, my account was hacked and yes, the money was indeed stolen by 2 Chime Accounts but yet their was nothing that could be done to help me. She had no answer as to why Chime would allow fro instant transfers of large amounts of money with getting any verification or notification from me. Chime never attempted to call me about the fund transfers and my money was gone in 2 minutes.
06/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • AL
  • 36801
Web
On XX/XX/2023 I made a transaction using my XXXX XXXX XXXX card which is my employee card transferring {$500.00} from my XXXX XXXX XXXX card onto my chime debit card while making the transaction. The one with the cashier said I could use my debit card while I was swiping my card. It has been approved just so happen. The store manager approaches and says that I need to cash to make the transaction after I have a swipe my card the money was deposited onto my Chime account but before I deposit the {$500.00} I had $ XXXX cents remaining from my text refund. XXXX didnt give my bank card time to transfer the money from my account to chime so XXXX called Chime stating something about a loss prevention or any something in that nature Ill call chime. I had send documentation front and back of my ID the receipt of the transaction the explanation of the transaction proof of my physical address thats on the Chime account. And all that was sent on XX/XX/XXXX one day I get a represent to say much it was gon na be expedited give it to 3 to 7 business days the next day I get an email saying its gon na take 7 to 10 business days so that Im not getting a refund back after I had sent an explanation OK so they still telling me to the cine more documentations I sent in the documentation five time I have emailed them over 100 and something times I have called them over 100 and something times I have explained this transaction over and over and over nothing has been done. I have told them to refund the {$500.00} back to XXXX please just send the remaining of my {$2500.00} because I am a hole. I am a single parent not only that I just came at a homeless situation which I was saving that money just so I could be a able to move. I have explained the situation over and over and over and chime. Im XXXX is getting to the point where Im not even getting a response from Chime no updates or anything
11/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 27330
Web
On XX/XX/2023 at approximately XXXX I received a call from a phone number that I recognized as my bank. I answered the phone and they informed me that my account was being flagged for suspicious activity and needed to verify transactions. It ended up being a scammer and they gained access to my account which they used to make XXXX fraudulent transactions in less than an hr for a total of {$2900.00}. They included an {$800.00} XXXX to themselves as well as XXXX consecutive transactions at a XXXX in XXXX, XXXX where they got {$100.00} cash back on every transaction. I live in NC and was at my residence at the time of the fraud. I filed police reports with XXXX different jurisdictions. I initially filed in the county that I live in and then they said that since the crime happened in Massachusetts, they had to forward it to Massachusetts and so I have reports from XXXX different police agencies, confirming that it is indeed fraud. With photos of the individual. I submitted this information to Chime and they denied my claim in less than XXXX hours.The same individual also got my wife for XXXX transactions at the very same XXXX and Chime investigated her transactions for a month and ended up finding that they were fraudulent, and they gave her her money back. Same scammer, same XXXX, and around the same time. But she had significantly less money that they could get. But my claim has been denied in less than XXXX hours every time. And this most recent time it was denied in about XXXX hours, and I provided both police reports with the photographs and all the evidence that they had. There were no security, features enabled, I got no alerts, I had no idea my money was even missing until the next morning. Chime did absolutely nothing to protect my money and now theyre refusing to give it back. Despite overwhelming evidence of fraud provided by XXXX different police departments.
10/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • IL
  • 609XX
Web
I have been having issues with Chime for a week. This started XX/XX/2023. I was expecting my last check at my previous job. Chime offered a Credit Card builder which I signed up for. I haven't put any money on it because I was waiting to start my new job where I make enough. The bank automatically sends your direct deposit to your Credit Builder. I usually transfer my funds to my Checking Account but since I was not able to get into the App itself I could not transfer. For a whole week almost everyday I have been trying to get a hold of people from Customer Service and nobody was able to help me or listen to me. They all kept telling me to Reset my password and even sent me links to my phone which I explained to every person I talked to that it's not working. A Error promos up saying that the Email and Password combination on our account do not match. However, I was still able purchase with my Debit card linked to my checking account. I tried to report fraudulent activity with my last call but each person I spoke to said my account was in good standing so they don't know why I can't access my account. I get the links sent directly to my Email and Phone so I know my account is matched and they were able to pull it up with my Social Security number to verify that my account was active. I thought I lost my Credit Card so I had them issue me a new one. I asked them several times to transfer the funds to my Credit Card to my Debit so I can at least use it but each person I talked to said they can't access that. For whatever reason, the App itself is not working and they're not giving me the money that's in my account or making it easier for me to access it. This has been going on for over a week now and I already threatened to initiate a lawsuit for neglecting my consents with the possibility of my account being hacked since nobody will give me direct answers or help me.
05/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 11221
Web
A few weeks ago my entire wallet was stolen while I was going on a hike upstate New York. Whoever this person is charged my card for XXXX usd with XXXX. And I clearly was not the person who made this charge of authorized it. I reported the card lost and stolen to my bank. In 7 days ( Just today ) they sent me an email that said " We have closed your claim and we have determined that no error occurred ''. First of all I never said it was an error. I SAID THAT MONEY WAS STOLEN AND MY WALLET WAS STOLEN. I called them right away and they where unable to give me an answer on why it was closed and the representative couldn't even give me an answer for that and said I only see the same info that was on your email that you just told me about. I don't understand how a bank can handle this that way. Usually banks will provide documentations on why it was closed and what the final result was. Chime is a scam and very fraudulent. And I'm urging people to really not join CHIME because it's the most fraudulent bank I have every dealt with. I have not gotten any XXXX back from my stolen money. And chime has no interest in getting my money back neither did they show any effort. I will be officially filing a lawsuit against chime cause it is the second time my money gets stolen from this account even tho chime has changed my cards when reported lost. Chime is refusing to give me my money back even though they claim that they offer fraud protection which clearly they are not cause they are frauds themselves. I asked for proof so that I can see how they think I made that purchase and they couldn't offer any. I was told by a representative they don't know why they closed the only info she sees is that is that the claim is closed. I have not seen any documentation from Chime explaining to me why this decision came to be and even tho my money was stolen nothing was done about it.
10/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 85201
Web
On XX/XX/2023, I contacted chime at XXXX. A male voice stated " thank for calling chime, how can I help you ''? I stated " I would like to discuss my direct deposit because I don't see and employer verified it was deposited to my account. '' The male who presented himself as Chime customer support agent stated. " Can I have your first, last name and last XXXX digits of your social security. '' I provided the information. He said " is it OK if I place you hold? '' I said " that's fine. '' I was placed on hold, when male returned he stated " oh, I see the problem your not connected to the server. '' He then stated " I'm going to have to go into goggle play store so I can reconnect you to the server, then you'll have full access again. '' I followed his directions, next thing I know I could see a cursor moving around, then I saw him typing in email addresses. When I said " why are you doing that He hung up on me. I went back to my recent call log to redial chime It provided me with XXXX XXXX XXXX XXXX and the chime number was gone. I had someone else to dial chime and I reported what happen. I was informed that my account was hacked and someone took control of my phone. I was informed I would get an provisional credit on XX/XX/2023. Something told me to call chime, due dispute stauts was now missing from chime app. I was told my claim was denied in less than 24 hours. I've filed 2-3 rebuttals, I provided a written statement, the email addresses that showed where the money went, a police report number, police officer name and badge number. A screen shot of the chime app page showing the email addresses. With each claim a decision was made in less than 24 hours. After speaking with 2 separate dispute supervisor 's who informed me that it was definitely fraudulent what took place. They assured me I would have my money returned. However, my claim continues to be denied.
04/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 93635
Web
Hi I have used Chime mobile banking since 2019. Just a few months ago I noticed weird charges and every time I tried to dispute the charges, chime would cancel my card issuing a new one and then they would deny all the disputes and give nothing back. I have called them, emailed them and more. They absolutely don't want to help me at all. I also called about why my disputes were denied and they said they seen no errors. Then I told them I need those disputes returned. I have had issues with my Identity that was compromised and I am in the process of fixing it with social security and credit bureaus as well. I even filed my XXXX cyber complaints cause anytime its cyber related they told me a police report can't be done would have to do an XXXX so I did. I noticed a week ago Chime just automatically closed my accounts with out notice or any other detail. totaling {$11000.00} dollars or more to be returned to me. I keep trying to reach a chime and tell them to call me and they keep ignoring me. sending me emails saying we will have someone in support will contact me but they do not. I also tried to call my chime card and log into it because they logged me out of my account and it says my accounts closed. I also have pending deposits on there including my sons XXXX I had to call them to fix that. I have my business connected for pending deposits. I have been trying to take care of these disputes from last year and this year there was only a few that I told chime that are automatic payments like my daughters XXXX XXXX martial arts and my sons XXXX for his XXXX deposits. They won't communicate back they won't do any of my disputes and such. I am just trying to get what is owed to me back. including my {$9700.00} dollar income tax that was deposited as well. and I noticed it was being used as well. I have screeshots of all I am trying to do and tell them as well.
08/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WV
  • 253XX
Web
On XX/XX/2023 someone hacked into my online account with Chime bank. They changed my password and ATM PIN number then added my debit card to their XXXX XXXX account. Immediately after the changes were made, 17 fraudulent charges were made at 4 different XXXX stores and 1 XXXX restaurant in another state. In total, {$2400.00} was stolen from my account. My checking account was overdrawn by {$130.00}. I became aware of the situation a few hours after it happened and called Chime immediately. My password was changed, my old cards were canceled and new cards were issued. I reviewed my account history and transactions with the agent and a dispute was submitted for the fraudulent charges. The next morning I contacted XXXX corporate office to discuss the situation. They provided me with a case number and told me a representative from each of the 4 stores my card was used at would contact me. A few hours later I had spoke with all 4 representatives. They informed me that there were other victims and an investigation had been started. I contacted the officer leading the investigation and gave him my information. I filed an official report and received a case #. Im still in contact with the officer and video footage of the transactions involving my card have been obtained. I intend to press criminal charges if an arrest is ever made. To date, I have filed 4 disputes for the fraudulent charges with Chime. 3 of the 4 disputes have been investigated and denied. The 4th is pending. Ive provided more than enough proof and documentation that the charges were unauthorized, fraudulent and that it was absolutely impossible for me to be involved yet my checking account remains overdrawn and my money hasnt been returned. Im struggling financially and have been unable to pay my bills because of this. I just want my money to be returned. I shouldnt have to go through all of this.
04/12/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • TX
  • 79106
Web
On XXXX I couldn't access my account @ XXXX central time I contacted chime support over the phone during that phone call I expressed to XXXX the importance of gaining access in return she asked me a series of verification questions and once passed she sent me a link to prove it was me I uploaded the document along with handwritten note she requested once she looked it over she said it couldn't be accepted without the picture of I.d I explained it's a passport an if she wanted the back of passport or page of my picture they were both blank either way she didn't know what to do an was submitting for review I should get a response 24-48hrs an ended call. At XXXX on the XXXX I called an spoke with a gentlemen who said an did the same as XXXX after he received my documents he submitted them an had to wait 24-48hrs I asked him why since he received what was asked I was told they don't have the ability to access that area of the system to reset password. @ XXXX XXXX I received another link to upload documents and at XXXX on XXXX XXXX XXXX sent a email with a link to up load documents again. At XXXXXXXX XXXX I finally received password reset link I followed the instructions after resetting password I attempt to log in system gives wrong password after informing support I receive another document upload link and at XXXX I receive another up load link asking for the same documents as all the rest at XXXX I receive another upload link an again XXXX which by this time I'm beyond upset I was forced on to the street since I couldn't pay my hotel bill had no money for food or drink. I was contacted by XXXX who at first gave me hope since her email wasn't a scripted automated link reply she said all she needed was proof of address so I provide that her following email was the same as the rest. By this time it's after XXXX I had to try an find shelter an a safe place to sleep
01/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Confusing or missing disclosures
  • NY
  • 146XX
Web
On XX/XX/2022 there was a transaction done on my account that I did not authorize nor did I initiate. It was a personal wire transfer from myself to another persons account with the same bank. The morning that I found out this transaction took place I immediately reached out to chime to try to get them to stop or reverse the transaction. I opened a claim despite. On the third of XXXX, they immediately denied my claim. I replied to Chime and asked them for documentation of the documents use to draw their conclusion. I was told that the forms will be sent to me in the email had no attachment to it. On XXXX XX/XX/2022 I filled a police report against the person listed in the money transfer. The detective reached out to me and told me that he was on the case. I reached out to chime again and made them aware that I did follow police report. I gave them the number of the report and the number to the police detective working on the case. Chimed in again denied my request to put my funds back in my account. I reached out to chime again and asked for copies of the documentation to make a conclusion they sent me a statement saying that the location where the transaction actually take place. They included that my password was not compromise and to conclude that no mistake was made. I wrote a rebuttal stating that the hotel that was the location was at the hotel that my job frequently uses I also said that my password was not compromised because my password was my fingerprint that was compromised because it done while I was sleeping. They still denied my claim. I have run out of opportunities to file a rebuttal and every time I call them nothing happens. I am not a rich person I dont have a Lotta money and {$300.00} means a lot to me because it was around the holiday time. It is over a month later and I still have not been reimbursed the money that was taken from me.
11/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NJ
  • 082XX
Web
THIS IS NOT A DUPLICATE COMPLAINT. I HAVE NOT FILED A COMPLAINT ABOUT THIS IN AN ENTIRE YEAR AND MORE HAS HAPPENED SINCE THEN. PLEASE DO NOT MARK MY COMPLAINT AS A DUPLICATE AGAIN Chime Bank has botched both of my disputes I had against the same merchant, XXXX. For a year I resent my claim with supporting documentation to prove that the merchant sold me defective merchandise and refused to refund me. This was for merchandise that physically could not be returned to the store because it was installed into the ground and the merchant refused to send out their installation team to remove the faulty product. All of this had already been explained to Chime. Periodically I would receive a response back stating, I understand that you are upset. I assure you we are doing everything we can to resolve your dispute. However, they never did. The answer would always be the same a generated email stating, Weve completed our investigation of your billing inquiry, and we have determined that no billing error occurred. And whenever I emailed them telling demanding information as to why, they stated to email them and request the alleged documentation they relied on. Yet thats what I was doing by emailing them asking them why ( Obviously ), as well as I sent them a separate email requesting the information they so-called relied on in making their decision, but no response. I had asked them for this information several times. They do not respond with said documentation because there is no documentation to show .. No documentation that would classify as a good reason to deny my claim anyway. They are simply lazy and do not handle claims appropriately and/or are afraid of a lawsuit from a big name merchant, and so they automatically denied my dispute. Either or is not my problem and if thats the case then they need to apply the funds back to my account via their own pockets.
06/28/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • MS
  • 39211
Web
I am a current Chime account holder and have attempted to resolve this issue since late XX/XX/2023. After returning from out of town travel during the weekend of XX/XX/XXXX, I learned that someone had accessed my Chime account and attempted to make a purchase. Chime did not notify me of the attempt to access my account, despite having my account set up to receive text notifications for any purchases. Not until I contacted them directly was I informed that a hold had been placed on my account. This occurred on or about XX/XX/2023. On the call with Customer Service, I was informed that there would be a XXXX day hold while they investigated. I was also advised that there was no way for me to access my funds during this time. I was instructed during this conversation to verify my mailing address and that a new Chime card would be issued to me. Over the past XXXX weeks, I have contacted Chime on at least XXXX separate occasions haven spoken with both Customer Service and also requested an escalation as I STILL have not received my new card nor do I have access to the money in my account. I have been told repeatedly that the card is being sent. I have also been instructed that the card was being sent via overnight mail ( two weeks ago ). As recently as Saturday, XX/XX/XXXX, I spoke with XXXX, who indicated that she is a Supervisor. Her phone number is XXXX. This was the third time that I had spoken with her about the status of my card. After threatening to report Chime 's business practices to the appropriate regulatory agencies, XXXX indicated that the card would be sent via overnight mail. On Monday, XX/XX/XXXX, I requested the tracking number for the overnight shipping of the card. I have checked for the past XXXX days and the tracking shows no updates. Chime has repeated lied and failed to take the appropriate steps for me to be able to access my account.
07/29/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • IL
  • 62025
Web
I requested a check for a rent payment from Chime bank on XXXX. They subtracted the amount from my account on the day, but failed to send the check on my behalf. I was then sent the following email on XX/XX/XXXX : " Hi XXXX, Were reaching out to let you know that one or more checks you requested to be mailed on your behalf has experienced a delay and is currently expected to be delivered to the recipient by XX/XX/XXXX. If you need to make this payment urgently or have any questions about this message, please dont hesitate to reach out to us by responding directly to this emailwere here to help. We apologize for any inconvenience this may have caused. Thank you for your patience, and for being a Chime member. Sincerely, The Chime Team '' This could potentially have a serious impact on my rental situation. I asked them for detail as to what had happened, where my money was for the month, and why they were only just letting me know what had happened ( 22 days afterward ). I received the following response from Chime : " Hi XXXX, After taking a careful review of your account, I was able to verify which checks experienced a delay to be delivered, they were the one ( s ) requested from XX/XX/XXXX to XX/XX/XXXX. I assure you the checks will be delivered no later than XX/XX/XXXX as stated in the email. What I can do at this moment is cancel the checks to have the funds returning to your account in 3-5 business days. I would strongly suggest you use the direct debit feature providing the biller your account number and routing number for an electronic transfer. Please confirm if you want to proceed with this option and I will do it right away. We appreciate your patience with this matter. Here are the checks affected by the unfortunate delay : LANDLORD XXXX XXXX XXXX PDT I look forward to hearing from you. Thanks, XXXX XXXX Chime Member Services ''
08/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • TX
  • 76502
Web
I went to see a home for rent at XXXX XXXX XXXX XXXX, XXXX, TX, XXXX, from a XXXX add. The guy name XXXX XXXX XXXX called me and stated that I can go see the home. He texted and stated that the rent was going to be all bills paid for {$900.00}. He told me to send the deposit of {$600.00} to XXXX XXXX but it went through then he stated to refund it then send it to XXXX. He also tried to send the money to XXXX, he also provided me with another phone number XXXX. He asked for {$60.00} per adult that was going to be on the application, so for my XXXX children, I sent {$120.00}. Someone pulled up and he stated that it was someone else that was trying to see the home for rent and told me to secure the rental I needed to pay the deposit. After leaving, I felt kinda funny so I did some research and found that the residence was being rented by XXXX. I called XXXX and they told me there is no one by those names working for them, so I immediately called my bank to file a fraudulent transaction. Since that day I have filed a police report and my bank has denied my claim 7 times. One of the managers hung up on me. When I first filed I was not told I couldn't until I got XXXX a manager on the phone who told me that because it wasn't a merchant I could not file. Then I spoke to someone on chat that told me that peer-to-peer is like cash and I can't get it back. However, when I stated I sent a policy report they advised to send me the report and not just the number. I filed my report on XX/XX/2023 case number : XXXX. I still have the text messages and the fake lease the perpetrator tried to send me to sign. I believe that the scammer has someone working in the fraud department of the bank who keeps denying my claims. The bank can retrieve my money back from the person I sent my money to and make them responsible but is doing nothing but letting the scammers go!
07/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 18301
Web
So my issue is I'm a victim of fraudulent transactions that I did not authorize my phone was stolen by someone i knew which also makes this harder to dispute but this happens all the time and we should be protected if something Like this does happen but anyways my phone had all my banking accounts attached literally a press of a button to have access to my accounts which is what happened there was over 12 transactions made to XXXX which was through my XXXX account then the person XXXX XXXX them selves the remaining money or the winnings I'm not sure but over XXXX dollars was used emptied out my account when proceeded to dispute my charges with chime which is my bank they were no help saying I have transactions with the merchant in the past and said yes of course I do its my app but these transactions were not made by me and that's the difference I also provided my time card that proves I was working at the time of these transactions I also filed a police report for these unauthorized transactions and still nothing this is a great amount of money that was spent literally back to back it literally looks suspicious I would never use that much money at once and clear my entire saving never I need some help because this ridiculous I need my money back and it doesn't help that thousands of other people have been experiencing the same thing and not getting their money returned this scares me because I need my money I have XXXX children alo I forgot to mention the transactions in question was just made on XX/XX/XXXX starting at like XXXX up until XXXX I believe also I have XXXX spending limit how they were able to empty my account is beyond me chime just does not protect your money and I am disgusting with their lack of concern I work hard for my money please I'm begging for help with this I also reached out to XXXX and XXXX waiting on responses aswell
09/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • 40601
Web
On XX/XX/2023, I noticed there was a charge on my Chime checking account for {$15.00} titled " XXXX XXXX '', I also noticed a second charge that was pending for {$17.00}. It also later posted as a " XXXX XXXX ''. I called Chime Customer Support and spoke to two different people about this. They explained that a XXXX XXXX is when you withdraw money from an ATM but they don't remove the same amount of funds from your checking account. For example, you withdraw {$100.00}, however your account only reflects you took out {$80.00}. So, they come back and get the {$20.00} as a XXXX XXXX. At least, that's my understanding. My issue with this is I had not used an ATM for 4 months. The last time I used an ATM was back in XXXX on XX/XX/XXXX and another time on XX/XX/XXXX. For both of these times, I was charged the entire amount that was removed from my checking, {$80.00} + {$2.00} ATM fee ( {$82.00} ), and then another fee of {$2.00} from Chime on XX/XX/XXXX, and XXXX XXXXXXXX {$2.00} ATM fee ( {$120.00} ), and then another fee of {$2.00} from Chime on XX/XX/XXXX. I am needing Chime to explain to me why I am seeing a " XXXX XXXX '' months after I've used an ATM for {$15.00} and {$17.00} using math and specific transactions. Because the math ain't mathin ' for me. Both people I spoke to could not do this. The manager I spoke to told me to send an email with screenshots to XXXX. I did this right after I got off the phone with him. It is now 8 days later and I've not heard one word from Chime about this. I've followed up three different times via email. I have already moved all my money to a different bank and set up my direct deposit to go to a different bank as well. But I am still going to need an extremely detailed explanation as to exactly why these two " XXXX XXXX '' are appearing on my account. I need statements to fully break down the math.
05/21/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • TX
  • 77084
Web
Hello. On XX/XX/2022 during a break at work I called my Bank ( Chime Bancorp Bank ) to dispute a {$30.00} charge. The representative filed the dispute and told me that if I had any documentation of proof that I could send it in but it wasnt mandatory. So I told him after I get off from work I would be able to send in all proof needed. XXXX minutes before I got off from work I received an email stating my Savings, Checking, and Credit Builder accounts had all been closed which was at XXXX XXXX. I was shocked because in total I had close to {$10000.00} in my account. I couldnt even reach out to the company by phone because it kept prompting that my account was closed so I had to reach out by email. I was devastated because I needed access to my funds IMMEDIATELY and had no clue why my account was even closed in the first place. I never done anything wrong, never was overdrawn, never showed suspicion activity. So, I called them from my mothers phone in tears because I have very bad anxiety, I spoke with multiple supervisors and one supervisor actually tried to open the account back because he said that I should have had some type of warning or at least 5 days notice before a closure happened. I had to go to the hospital for this matter because I really needed my funds and I have no answer as to why my account was actually closed. I need my funds for medical reasons and right now I dont have access to any money which is not fair at all to me! I chose their Savings account just for medical reasons. They have not given me any information regarding why my account was closed. I also looked online afterwards and have noticed others have experienced this issue as well and didnt receive their funds back. I have been trusting this company for over 2 years and would have never expected something like this to happen to me. Please someone help me solve this!
07/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 38305
Web
I noticed numerous duplicate charges from XXXX XXXX XXXX on my bank account. I disputed the duplicate charges on my account with my bank. I received an email asking me to cancel the dispute with my bank and was told that disputes are a breach of their terms and conditions and can affect the status of my account permanently. ( attached ) I responded and let them know that I would cancel the dispute with my bank if they would do the right thing and give me my money back for the duplicate charges. When I tried to login, my account was deactivated. I then received emails from their sister companies but the emails came from XXXX ( attached ) telling me that I have violated their terms and conditions and they have permanently banned my account. At XXXX XXXX XXXX you purchase gold coins ( I suppose it would be a service because it is not a product that you can actually touch ) and then you play games with those gold coins. Because I submitted a valid dispute for duplicate charges on my account, XXXX XXXX XXXX has now deactivated and banned me. I no longer have access to the XXXX XXXX ( services ) that I purchased. I want my money back for the billions of gold coins that I have sitting in my account and have no access to use them. I paid for something and I do not have access and can not use their service. I have tried to explain this numerous times but Chime does not understand or have any questions, please let me know and I will do my best to explain it better. They denied my claim and stated that I did not give them enough information to move forward with my claim, they asked for the purchases that I made vs the duplicate charges - I send this to them numerous times. All I receive is a blanket response that I should submit a rebuttal and every time that I do they say they don't have the information they requested which they clearly do have.
03/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MA
  • 010XX
Web
i am a customer of Chime Bank for over 1 year! For 1 whole year, I have been a loyal bank customer with them, having my checks direct deposited into my checking account. I filed my taxes, and my taxes were set to be deposited into my chime checking account I believed to be on XX/XX/XXXX. in which, it was deposited! The next day as I'm going to cash my last check because I have been let go from my employer i received an email from chime stating that my account and funds are on hold! i proceed to call them to get an explanation in which they said that my account is being closed along with taking my tax refund that i worked all year for! I reached out to see what can be done to get my funds back and account and they generated a link to my email stating that they need two types of ID, proof of address, a selfie with today 's date, and a PDF stating where the funds came from and when it was deposited, ( although this is a national bank that is aware and documented what funds are being deposited into accounts knowingly that the IRS sent me my tax refund ) I still proceeded to work with them and sent them all information needed for them so i can regain access to my funds! ( they took my funds on the 1st of the month knowing i was just let go of my job and rent is due along with a whole list of other things ) I have called and emailed them and they seem to disregard all communications with me, not responding to my emails, generating a document link which i have completed on XX/XX/XXXX and they continue to ignore my phone calls and refuse to transfer me to a supervisor. I'm in need of help immediately i am going to get evicted from my house and have my cars repossessed and credit cards closed if i don't get help into getting my refund back. what they are doing is unlawful and disgusting ruining people 's lives and stealing from the hard-working class!
12/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28314
Web Servicemember
I purchased an item at XXXX XXXX online on XXXX XXXX, XXXX with my XXXX debit card through Chime Bank. Order number XXXX. After receiving the item, I decided that I did not like the quality of the material and returned it back to XXXX XXXX with a prepaid label from the merchant. Received an email from XXXX XXXX on XXXX XXXXXXXX XXXX stating that they received my return and will be issuing a refund immediately. To allow 3-5 business days. On XXXX XXXX XXXX after calling XXXX XXXX to get a status update, I was informed that they tried to initiate a refund to my acct. and that it was rejected and declined from chime. They tried unsuccessfully several more times in the coming days with the same response. I called XXXX XXXX on XXXX XXXX XXXX and was given a transaction number when they tried to initiate this refund with me on the phone. Transaction XXXX XXXX. Message was, refused credit card, declined. I Immediately called Chime and spoke with several different supervisors with the same outcome. No such transaction on my transaction history. They could not offer me any reason for why my refund would reject. They offered to do a dispute but I would not qualify for a provisional credit. That this so called dispute could take up to 90 days. First of all, they reject my refund with no explanation as to why and then want to make me wait an additional 90 days for my refund that was due to me over 2 weeks ago. I am very frustrated by all of this and very dissatisfied with Chime at this point. I have tried unsuccessfully to reach a corporate office or any other entity to help me with this. I am asking you to please help me to resolve this. I am at the mercy of Chimes customer service agents and supervisors who are clearly not in the US. When speaking with them, Its hard to understand some of them and I feel like this problem is above their knowledge.
10/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • NY
  • 111XX
Web
Someone opened a checking account with Chime.com using my name. I received emails indicating as much starting on XX/XX/XXXX. I disregarded them as marketing emails at first, but got a notification about a card being shipped that I needed to activate. I called the Chime.com customer service number to inquire on XX/XX/XXXX. I told the representative I had been getting emails about an account but didn't open one. I gave them my information, and the rep said that there was an account, which he had just closed. I was very disturbed by this, as it indicated someone had enough of my personal information to open a bank account. I wanted to confirm what information was used to open the account. The rep would tell me nothing. I tried to confirm that someone had used my SSN to open the account, but he wouldn't even confirm that. He said they would only deal with me if I got a police report. So I went to the police station to file a police report. They told me I was wasting my time, but I did it. I got the police report. I emailed the customer support address. They sent me a secure link to upload a police report or ftc identitytheft report and confirmation of SSN. I uploaded the police report and the SSN confirm. Since then they have been actively unhelpful. Every time I upload the documents, they immediately respond with the same request for documents. I've sent them the same documents 3 different times, to no avail. Occasionally I would get a different response. When I threatened to report them to regulators, they did send me an account statement- which was of course not what I was looking for. I told them this, and they sent me the same request for documents. I have about 35 emails going back and forth with no end in sight. I just want to know what information was stolen and given to them, but it seems to be company policy to never reveal it.
02/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • AZ
  • 853XX
Web
On XXXX I tried to sign up for a new checking account at www.chime.com After completing the entire process I received a message telling me that they couldn't create an account and customer service wouldn't be able to help me any further. The application process required I provide my social security number, date of birth, mailing address, full name, phone number and email address. Following their instructions, I called XXXX and was asked to verify my social security number, date of birth, mailing address, full name, phone number and email address with " SIX '' different representatives. I was told that I needed to email XXXX for additional help. I emailed XXXX 6 times and was delivered the same message I originally was given when my account couldn't be established. Different members from the support department at XXXX were simply copying and pasting the same message back without answering any of my questions for help. I called XXXX again and spoke with 3 different supervisors and a department manager. Since an account couldn't be created for me and no one was able to help, for some reason, I asked to have my personal information deleted from their software systems. I was told they couldn't help me, even after they keep asking for my SS #, etc. All I want is to be sure that my personal information IS REMOVED from their systems. By law, they are supposed to have a data retention policy. They were unable to provide me with any additional information and kept telling me to email XXXX. The email responses are ALWAYS the same message without any explanation and no one at the company is willing to help ensure that my personal information isn't going to stay with this company, who has refused to provide me with ANY account access to see or manage my information. This is unlawful, breaking several US banking laws! Please advise.
02/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AR
  • 723XX
Web
On XX/XX/2023 at XXXX money was taken from my account by a company named XXXX. I have never came in contact with this company whatsoever. So at XXXX {$180.00} was taken from my account. At this time I was at XXXX and I swiped my card at XXXX. I was notified that money was taken from me from spectrum. I drove home so I could get in contact with my bank which is Chime. Before I made it home another {$180.00} was taken out. By this time I made it home and I called chime to dispute these transactions and to lock my card. As Im on the phone with chime {$500.00} was taken from me! I was panicking on the phone because I didnt understand who and what was taking my money right before she locked my card {$110.00} was taken out! So I filed a dispute and the lady told me that I would be getting an email from chime support that never came the next two days. So I called them I emailed them several times trying to get my money back which was {$980.00} total. They told me I had to wait 45-90 business days before I could get my money back due to an investigation. I have proof of where I was at at the time and what I was doing so how could I be the one spending the funds? On top of that it says that its a internet and cable company. A internet and cable company would not make 4 different transactions if it was real. Im a single mom with no money, no place to go, and hungry! Im begging you guys to please help me get my funds back please. I even looked up the number on the internet and it stated that the number was associated with fraud and I have proof of that also.I have the times when I was on the phone with chime when money was taken out also. I can not wait 90 calendar days for my money back Im in need now and it has caused me and my family so much stress. If you guys need more information my number is XXXX and my email is XXXX thank you for your time.
09/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • OH
  • 452XX
Web
opened a checking account with chime XXXX and made 3 deposits totaling XXXX. also on XXXX i made a reservation with uhaul to rent a truck using the debit card information given to me in the chime app. when i went to pick up the truck i was told the transaction was denied due to an issue with my account. i go to open the chime app on my phone and i receive a message telling me the account is locked. i checked my email, text messages and phone for missed calls. nothing from chime informing me why the account was locked. i call and speak to 5 chime agents and 4 supervisors and what it get from 1 supervisor is that i need to submit my government issued id and ss card and a bill with name and current address to chime support. so i emailed information to XXXX. this same supervisor said she would escalate the matter. i call back and reach XXXX a supervisor who says he could not see the information i emailed to chime support. but later in the conversation he claims he can see the info submitted but i had to wait for a response from chime support. XXXX i call and speak with XXXX whos says he could not see information that i submitted the day before and that i have to wait for a response from the chime support team. with each member of the customer service team i informed them of the fact that i made deposits to the the account and i want my money returned to me. i told them to close the account and simply return my hard earned money. i have never had an experience like this before with a financial institution. the money i deposited to the account i want it back and the account closed. i almost used this company for direct deposit. im so glad i did not make that move..... i have proof of the deposits made to the account. I want the deposits returned and the account closed. thank you to whom ever will be investigating this matter. XXXX XXXX
09/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 92024
Web
On XX/XX/XXXX at XXXX XXXX.XXXX. ( PST ) I received an email from XXXX titled " Congrats! XXXX is activated ''. This email was quickly followed by 3 additional emails from the same address all within the hours of XXXX XXXX XXXX the same day informing me of additional new Chime account activity, including a new XXXX XXXX application and a new Chime VISA debit card account. Upon rising in the morning on XXXX XXXX and checking my email, I quickly looked up Chime in a XXXX search for " Chime customer support '' - ( I did not click on any links contained in any of the emails received ). Chime 's customer support email is XXXX. The ONLY way to contact Chime is via this email address - their telephone support number ( XXXX ) XXXX is wholly automated and although I attempted to reach a fraud agent by calling the Chime phone support number, I was unsuccessful. I later learned it is not possible to speak to a Chime fraud representative until they contact YOU. So, I quickly composed and sent a series of emails notifying Chime of the fraudulent account opened with my information, asking them to close the illegal account immediately and to contact me ASAP. The first of these emails was sent at XXXX XXXX PST on XX/XX/XXXX. Today, XXXX XXXX at XXXX XXXX.XXXX. ( PST ) I received another email from XXXX notifying me that " Your Chime VISA Debit Card '' was on it's way in the mail, and I could start to use my new credit account ASAP via the Chime App. I immediately sent a second and third email requesting immediate action to close the fraudulent VISA account to XXXX. I have not heard from Chime, either via email or phone ( I included my cell number with my email correspondence ). As a consequence, I have had to take the precautionary steps to close all of my bank accounts and transfer balances to new accounts, which has taken much time and effort.
10/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 85716
Web
On XX/XX/XXXX I bought a XXXX card for XXXX. XXXX sent a picture of the delivery made to an open parking lot and provided a message that the item was left in a secured mail room as per usual. After contacting XXXX I was told it was their mistake and I should be refunded. I then bought a XXXX XXXX card thinking I would be refunded soon. When it came time to refund me, XXXX requested a police report. After providing a police report, I was still denied a refund. I was told to wait XXXX XXXX. I informed them I would be moving forward with a chargeback from my bank. I still called after XXXX XXXX and told them if they refunded me I would cancel the charge back. I was given a XXXX ticket saying I would be contacted. I never was and closed my accounts with XXXX after I called and was again refused a refund. The initial XXXX was denied. After XXXX rebuttals the investigations dept sent me information regarding the purchase I made on the XXXX and not the XXXX. I was forced to reopen a new case. After about a XXXX my claim was denied on the XXXX of XXXX. I requested info on why it was denied. I was sent XXXX pages of a blank XXXX from Chime and no reason as to why I was denied. I called Chime and requested to speak to a XXXX. XXXX, let me know that the evidence I issued to Chime ( *see documentation ) was not considered in the investigation. He concurred with XXXX other XXXX that this is a clear-cut case of non-receipt of goods and services. He submitted a rebuttal with special notes for the investigation team. The rebuttal was denied because Chime needed new evidence to process a rebuttal due to their policies. I called Chime again and spoke with a XXXX named XXXX. He also concurred that this issue is non-receipt of goods and services. My XXXX rebuttal was denied again. No reasons or merchant evidence provided and no path to resolution.
11/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32547
Web
I noticed I had a charge on my card to a company called XXXX. I have never heard of this company and I was charged {$29.00} once in XXXX and again XX/XX/15 at XXXX am. I also have another unauthorized charge for {$26.00} at " XXXX XXXX XXXX XXXX XXXX XXXX ''. When I typed in this address it was for a XXXX pharmacy in XXXX, I live in XXXX and I have never even been to XXXX. I am unsure if both of these charges are the same person, but I think it may be safe to assume that it is. When I went to call this location, the call went straight to voicemail. When I called the XXXX company I was able to connect with someone who helped me tremendously. He found my card that was charged and provided me the email that was used along with my card information to make the account. The email is not one that I recognize and neither was the name that was provided on the account. He refunded the {$29.00} charge for XX/XX/15 as this was the only one he could refund which I appreciate tremendously. He also canceled the account that was made with my card information and took my email so that he could forward me the cancellation which had the information used to make this account. The information is below ; Name : XXXX XXXX Email : XXXX Phone : XXXX I know these things are usually hard to track down but I want to report it because this could have been horrible for me. I make a little over XXXX a year so I do not have the funds to fund a scammer. I woke up with {$1.00} in my account and I am lucky that I was able to get something back. I also took a look at the reviews for the XXXX pharmacy and everyone is commenting about money being stolen from them. This would be a good place to check and see what is going on. I appreciate all of your time and help and I hope whoever is reading this has a wonderful day today, thank you for all that you do! XXXX
04/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 34287
Web
On XX/XX/XXXX at XXXX PM I had made 3 Cash Deposits to my Chime Bank CHECKING account at a XXXX, amounts each {$500.00}, totaling {$1500.00}. At XXXX XXXX the 1st transaction posted immediately to my checking account balance. At XXXX XXXX the 2nd transaction posted to my available checking account balance. At XXXX EST I noticed the Third Cash Deposit HAD NOT POSTED to my account, as if there was never a 3rd transaction. This immediately was a cause for concern, so I called Chime around XXXX XXXX, and had explained the situation. They told me if it doesnt resolve in XXXX hours, to call back. I waited XXXX hours and then called back. I was then advised if it doesnt resolve in XXXX hours, call back. I waited XXXX hours. I went into the XXXX that had taken the cash deposits, and requested a verification on their end that the transaction are all in the system. They were so gracious enough to give me a print out of their bank end data. This print out showed there was no abnormalities in the processing of the transaction. I then called Chime Bank back by this point XX/XX/XXXX, they had advised me that they would escalate the situation. They requested I send them the pictures of all 3 receipts, and the print out I had received from XXXX. I did that. After XXXX hours I received an email requesting the documents again. I had called and asked for an update, they mentioned they have contacted the merchant and are waiting to her back. At the time of me writing this complain, it is the XXXX of XXXX. Its been almost 2 weeks since the issue occurred, and it appears that not only does XXXX not issue refunds, but apparently theres a {$1000.00} maximum per day. So I believe its false and misleading representation on XXXX behalf, and the fact there is no resolution after this long I believe all parties involved need to be held accountable.
06/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NM
  • 88201
Web
My issue is with CHIME / XXXX XXXX IN XXXX OF XXXX I deposited {$1000.00} FROM MY XXXX XXXX XXXX TO MY CHIME. CHIME KEPT MY {$1000.00} and CLOSED MY ACCOUNT!!! The first refund check they sent me was drawn on XXXX XXXXXXXX XXXX THERE IS NO XXXX XXXX XXXXXXXX WITHIN 100 MILES OF XXXX NM!!! XXXX WOULD NOT CASH IT CHECK N GO WOULD NOT CASH IT SO IT EXPIRED!!! The SECOND ONE WAS LOST. Now FOR THE 3rd ONE I HAVE SENT THEM A PICTURE OF ME HOLDING MY DRIVERS LICENSE THAT I TOOK MYSELF AS WELL AS JUST MY DRIVERS LICENSE ALONE OVER 5 TIMES NOW ALL ARE VERY CLEAR!!! I HAVE DONE EVERYTHING THEY ASKED AND THEY KEEP LYING TO ME SAYING I SHOULD GET IT NO LATER THEN XX/XX/XXXX THEN THEY SAID XX/XX/XXXX IT IS NOW XX/XX/XXXX AND I STILL DO NOT HAVE MY {$1000.00} FROM CHIME!!! THEY KEEP GIVING ME THE SAME AUTO BOT RESPONSES!!!! I HAVE BEEN WAITING FOR 2 YEARS NOW FOR MY {$1000.00} REFUND!!! IT IS THEFT!!!! I WANT MY MONEY I NEED IT NOW!!! I no longer have access to the email I opened the account with and I have explained this many times and provided a good one I use now. They keep saying how sorry they are and the check is in the mail!!!! I STILL DO NOT HAVE MY {$1000.00} I HAVE SENT PICTURES OF ME HOLDING MY DRIVERS LICENSE MANY TIMES SELFIES I TOOK!!! I DID EVERYTHING THEY ASKED MANY TIMES NOW YET THEY JUST GIVE ME AUTOBOT RESPONSES I CAN NOT GET THROUGH ON THE PHONE NOW TO SPEAK WITH ANOTHER MANAGER TWO YEARS IS WAY TOO LONG!! Its THEFT THERE IS NO FRAUD ITS MY MONEY MY ACCOUNTS I HAVE PROVEN THAT SO THERE WAS NO REASON FOR ANY OF THIS I JUST WANT MY MONEY IT SHOULD NEVER BE THIS HARD OR TAKE THIS LONG TO GET MY MONEY BACK!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N .M. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$1000.00} FROM XX/XX/XXXX WHEN CHIME KEPT MY MONEY AND CLOSED MY ACCOUNT I OWE CHIME NOTHING!!! TWO YEARS NOW!!!
10/26/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem making or receiving payments
  • NY
  • 11727
Web
I was working on my laptop and smartphone Friday XX/XX/XXXX my mouse on the screen started moving and clicking on my bank app took my phone the dozens of emails and texts what thought was from the bank ended up being a fraud/scammer changing access at XXXX point deleting the app still getting texts emails then it just stopped and it took an hour to gain access to my account when I did everything was changed I had to request new passwords and only to see that my {$2000.00} in a locked savings account was sent thru the app to a person I have never heard of I sent every piece of documentation to the bank they are not returning my money its all I had in the world these people of scammers have still been attempting to charge purchases to my account at large and small amounts they claim they blocked the habitual XXXX but XXXX still getting the alerts I went to the police filed a report then the fbi XXXX XXXX unit and submitted a IC3 report and still the bank will not return the stolen money the attempt charges are still coming between texts and emails its day 6 with no resolution to me I know the girls name on the account that my money was moved to XXXX XXXX and XXXX looks like she has a chime account as well she and whoever else involved locked me out of everything took all the money I had in the world and claim No Error XXXX so mad and upset XXXX a XXXX yr old woman disable paramedic on XXXX I worked a summer job 7 days a week to make money so I wouldnt get evicted I was in court with a lawyer from XXXX till XXXX caught up they dismissed my eviction yesterday XX/XX/XXXX and I had {$2000.00} saved to add to my XXXX check to pay rent the bank is the problem and dont see the problem I thought I was having a XXXX last night my head was pounding and bloody nose as soon as this morning another email trying to get {$290.00} I have no help
08/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 95628
Web
I was trying to contact Chime, as I bank with them, and needed some documents. So I XXXX 'chime support ' and called the first number that popped up. The number I called was XXXX, they answered XXXXChime support ', how can I help you. I explained what I was calling for, and they said, in order for us to help you, we need to verify your information. So I said sure no problem. Then they had me tell them my information, such as social, phone address, etc. Then they had me download a sharing app, and they said I had to do this for verification, so I kept proceeding. I downloaded the sharing app, and gave them the numbers, then they were able to see my phone. I seriously thought I was talking to Chime the whole time. Then they also had me 'transfer my funds to an e-mail. They kept saying i had to do this for verification. and they would send it back, as they have IT on the other line as well. They were very smooth, and just took my money and did not send it back. I was duped, and didn't know, 'till it was too late! They took all my money! So then, I went through the Chime app, and tried to dispute it, I explained through e-mails and phone calls to the bank, explaining what had happened. They keep denying my dispute and will not give me my money back. I have disputed it 4 times with Chime, or XXXX XXXX XXXX, and they keep denying me. I'm the victim here, I really thought I was talking to Chime, and was scammed, and now Chime won't help me with getting my money back! They are just as bad as the XXXX who stole from me! The scam phone number was XXXX, the e-mail they had me transfer the money to is XXXX. I just want my money back that the XXXX stole from me, and Chime should be obligated to give it back! I have never sent money to this person before, they scammed me. I have already reported it to the XXXX and the FBI.
05/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 94118
Web
I went to go pay my taxes on XX/XX/XXXX and was given a notice that my account has been suspended. When I called Chime on XX/XX/XXXX to figure out what's going on and they said they can't give me any information because the underlying bank was the one doing the freezing. I pressed them for over 30 minutes and was able to learn my account had been frozen for a few days ( they did not inform me ) and that if I wanted to do something about it, I could try to email their support and hope for an answer within a few business days. I pressed them even more and was able to learn that the source of the issue was deposits from XXXX and XXXX, both accounts that I have had for years. I sent a few emails to chime support after the call with all my XXXX and XXXX statements in a panic but did not get a response to the email with the attachment. I called that bank ( stride ) on the morning of XX/XX/XXXX and they said that's completely false information and I should call chime. I pressed them but they continued to apologize and say they really can't do anything and they have no access to the account and all I can do is try to resolve the issue with chime, repeating over and over again that chime had lied about everything. I called Chime again but just hung up out of frustration. Meanwhile they sent me a very questionable email with the following paragraph Written explanation necessary to validate the source of funds loaded to account regarding : ch recd c2c transfers and then offloaded the funds thru XXXX and XXXX.u may have received Desperate, I still sent them over all my personal information, but not so much as a confirmation email. I have no idea what to do. I'm self employed and have taxes due, not to mention XXXX XXXX rent and now to make everything worse, I'm terrified that they're going to use my personal information against me.
07/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • LA
  • 71446
Web
I have been incarcerated from XX/XX/XXXX until XX/XX/XXXX. During this time I was having funds deposited into my checking account from my unemployment qqed access to my account and transferred all of the funds from my account to theirs leaving a trail with their name and dates and time. The bank decided there was nothing wrong with what had occurred and decided not to give me back my money although my money is insured and that's why it is insured so that when somebody steals my identity and steals my money, I get it back. They did however refund me debits that were legitimately my doing totally {$100.00} out of {$5600.00} worth of money that was stolen. I just want what's right and that is for my money to be returned to me that is why I keep it in the bank, that is why it is insured, and it definitely should have come back to me. I have all of the documents proving that I was not knowledgeable to any of this and I have the proof of the person who took the money and transferred it to themselves all documented. I have attached copies of the transactions where XXXX XXXX XXXX transferred the money from my account to his account and things were bought online it's all there I have also attached a letter from the facility that I was housed at from XX/XX/XXXX until XX/XX/XXXX all the transactions happen within the time that I was XXXX. I, at no time, gave my permission to XXXX XXXX or anyone else, to transfer any funds from my account to his, nor did I give consent for him to purchase items and or services via the internet. He gained access to my account through personal paperwork I left at his home and via a computer that I was in the process of purchasing prior to my XXXX. I did not know that I was going to be arrested I would never have left sensitive documents on a computer that someone else could gain access to my account
12/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 330XX
Web
I had an account with Chime bank for the last XXXX years without a problem, last year I signed up for Chime 's secured credit card to help raise my credit score. I use my checking account to transfer money from my XXXX and use the credit card for bill pay. I haven't had any problems doing so over the last year. On XX/XX/XXXX I tried to log into my account and received a very small notification on the screen saying my account was closed and if I thought this was in error to contact XXXX. I thought this is surely a mistake since I wasn't notified in advance of my account closure and thought I'll try to log in tomorrow and see what happens. I tried XXXXhree days in a row before I sent an email to Chime. On XX/XX/XXXX I received an email stating my accounts had been closed for the following reasons : " Account does not comply with internal policies and. or the member agreement. '' no further explanation for how/why my account was not in compliance. In the same closure letter I was informed that if I had money in my account a check would be mailed to me within the next 30 days ( that's is insanity to have to wait that long for money that belongs to me!!! ) I was also informed I am not eligible for a refund of MY funds without any further explanation. On XX/XX/XXXX I sent an email and received a response that basically stated due to security reasons I have to email them from the email Chime has on file for me so they can assist me with my problem. I went ahead and sent an email from the email address they had on file the same day ( XX/XX/XXXX ) and still have not heard anything in response. I sent another email today ( XX/XX/XXXX ). I tried to call the customer services number but since my phone number is registered to my account I just get an automated response saying my account was closed and I need to email them for assistance.
04/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MN
  • 55406
Web
chime has failed to provide consumer protection after disputes rose for charges occuring from a holding company in XXXX. XXXX who is authorized to serve that region and is prohibited by minnesota law to operate a casino online accessible from here. They have had a standing ban on me, and during the transactions authorization is not logical when access is barred by ip blocker, the following claim dates and amounts were denied today one of which is dated in error by chime for a date that hasnt come to be yet, XXXX {$20.00} XXXX {$46.00} XXXX {$26.00} XXXX {$8.00} XXXX {$75.00} XXXX {$69.00} XX/XX/21 XXXX XX/XX/21 XXXX XXXX {$61.00}, this is likely accurately from XXXX, but reflects their lack of attention to detail. This was just group refused XXXX XXXX cst. This is after i have lodge report with FTC laying out the merchants illegal operation of a prohibited establishment via internet within the state of minnesota, when funds are obtained conducting business under prohibited terms, that results in the transaction being a product of fraud, and an error is clearly present and i am due my money back thats what protection means and they are disregarding the fact that business conducted unlawfully by deceptive means violates the UCC governing all commerence, and federal and local laws pertaining to engaging in defrauding the citizens of this country... chime has been notified and requested to abide by consumer protection and limits on the liability of the consumer. this is only a small part of the loss. further they tell me this morning a error occurred on one of the above matters than refuse to follow that notice and instead again reject it after i supplied the notice from FTC directing me to dispute and pursue chargebacks under my consumer rights, chime is liable for all loss incurred and just disregards my invoking my rights
09/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CA
  • 95307
Web Older American, Servicemember
I made a deposit of a state check, I realized i needed access to the funds sooner than i thought I clled and askethem to please candeposit but since they had instructed me to write " deposit to Chime only '' on the back, i was not able tocash it anywhere i then called them and told them problem and since i had cancelled could i redeposit the check i was told " sure no problem just go ahead and redeposit '' the next day I get an email saying my check has been denied. they start treating me like i tried to cash the same check twice. I told them absolutely not and that i had called and cancelled the first deposit with a young lady name XXXX they claim to have no record of it because she did not cancel on their end. i had spoken to her on their chat feature and still had the conversation on my phone. this fell on deaf ears. I was obviously very upset, they suggested i get the check reissued because they were not going to accept it at all. it is a state check, that will take forever, this is their error i did all i could to keep them informed. I want to close my account with them. Unfortunately, when trying to open an account with a different online bank I am now being denied! i firmly believe it is because of Chime. they are no help at all it takes forever to get a supervisor I had to aske for one fromXXXX or XXXX different reps. please help me. Ii only want to speak to them on chat because i was told they do not record their phone. they claim to have started an investigation but as of yet i have not heard anything. this started on XXXX or XXXX i believe, it has been one of the most frustrating and stressful situations I have ever had. plus now am being treated like a criminal. this is very unprofessional and unfair. I demand they fix this and clear my name, I really dont know what else i could hav done to make it any clearer.
01/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19121
Web
On Thursday, XX/XX/XXXX, I discovered several unauthorized transactions on my Chime debit card totaling in excess of {$2000.00}. I immediately locked my card and contacted Chime to report the unauthorized charges. Within hours I received notification that my claim had been denied and was informed that I could request a copy of the information that had been used to reach that decision. I initially submitted that request for information on Friday, XX/XX/XXXX, and was told that it could take up to 10 days for the request to be processed. In the intervening time and with no explanation, Chime closed ( and locked me out of ) my account. When I finally received the information I had requested, it was in the form of a link to a Chime webpage that I could not access because my account had been locked. I informed Chime support of the issue and requested that the information be sent in some other form, and after 10 more days I received the exact same email I had received before containing a weblink. This happened 2 more times ( culminating in a 2 hour long phone call with Chime support on XXXX XXXX ), and each time I received the same response. Chime will not allow me to appeal their decision without having any new information to provide them, but I dont have any new information to provide ( on the one hand ), nor do I have any understanding or insight into whatever information they used to reach their determination ( on the other ). I found it remarkable that Chime was able to reach that decision so quickly ( on XXXX, nonetheless ), until I did more research and learned that many other people have had a similar problem with Chime and that the problem seems to be more about the dollar amount of the claim than anything to do with its validity. As far as I can tell, Chime has essentially aided in the theft of {$2000.00} from me.
09/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NM
  • 88012
Web
XX/XX/2021, I booked a flight from XXXX XXXX to XXXX XXXX XXXX XXXX using my Chime Visa credit card for the amount of {$1900.00} XX/XX/2021, The XXXX government extends its ban on international travel through XX/XX/2021, to slow the spread of coronavirus. I contacted XXXX regarding the travel ban and subsequent trip cancelation. The representative at XXXX promised the airline would issue a full refund in the amount of {$1900.00} XX/XX/2021, I filed a dispute with Chime regarding this matter and provided the dates of the disputed amounts, the name of the airline, and all the information that the bank requested. XXXX ( exact date unknown ) received a message in the app from Chime dispute department stating that they do not find an error occurred. XX/XX/2021 Received an email from XXXX claiming that they had already processed a refund. " Dear Mr XXXX, Thank you for your notification regarding flight XXXX of XX/XX/2021. Our records show that there was a chargeback on your flight coupon and we, therefore, suggest that you contact your bank. '' Kind regards, XXXX Customer Services XX/XX/2021, Contacted Chime to inform them that XXXX claims to have issued a refund on XX/XX/XXXX. Chime responded by sending me a copy of my XXXX statement. I asked Chime to reopen the investigation. XX/XX/2021 Received the following notification from Chime : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Cancellation Date Error Reported : XX/XX/2021 Claim Amount : {$1900.00} Hi XXXX, We received your request to reopen your claim listed above. We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed.
10/12/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 85251
Web
I have since receive the report from Chime Bank stating that I am responsible for the withdraws stating that they have linked it by ip address, but still didnt provide any information on if they see the person taking the funds. The funds were being taken from XXXX XXXX XXXX XXXX, XXXX, AZ XXXX at XXXX XXXX. I have witnesses that can verify I was visiting my son cooking dinner at the location of XXXX XXXX XXXX XXXX, XXXX, AZ XXXX when the charges were coming off. The only place my card was used on XX/XX/2020 was at I XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, Which they did have a new card reader they was trying to figure out how to work, I feel it may be them, also still had the card with me in my possession while these charges where being withdrawn. When speaking to Chime they didn't not want to help at all in this matter. They were to give me a credit while they do the investigation and didn't, I also had my XXXX XXXX protection get into the matter which they also believe these where fraud transactions. I have had Chime Bank over 3 years and never took out that much money all at once. I have followed all steps in the packet, as well as reached out to XXXX XXXX to retrieved my funds that were stolen from me. Every time we open the case Chime Bank closes the case. I have been fighting back and forth with Chime Bank since XX/XX/2020. The total amount stolen was {$1300.00} which I told Chime that was my funds to move into my own place. Its $ months later and still trying to retrieve what's mine. They didnt care nor gave a credit until proven otherwise. Now that i have to put a fraud alert on my account, im stuck with this back till its over. I have submitted a police report for the fraud as well. Chime Bank is the worse and they dont care what happens to the people that invest into their bank. A very sad story.
06/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MS
  • 390XX
Web Servicemember
I have banked with Chime for far too long and I regret ever opening an account. I have filed a total of 3 or 4 disputes - the first two ever were investigated and even though the purchases were made when I was out of town and I made inquiries and requested the evidence used to support their claims multiple times - I was not refunded and I never received my money back. Most recently I have filed a dispute for over {$1000.00} - this was a multi transaction software issue and I reached out to the company that I made the purchase from. They instructed me to dispute the charges because they were having issues processing a refund. I was told it would take 2-3 days. Chime was then called and talked to extensively about why I wasnt requesting a refund- to which I had and was following the companys response. Its now been over a month - the original charge was made XX/XX/XXXX. The company I had the issue with, XXXX XXXX XXXX by XXXX XXXX XXXX XXXX is a registered seller through XXXX - an online company that should be aware of the types of sellers it is allowing to potentially run a scam. XXXX XXXX XXXX XXXX cant get a refund to process - even though there is a money back guarantee and Chime will only tell me that their investigation can take up to 90 days. They flatly got 2 disputes wrong and now they are telling me to wait to 3 months for them to investigate. As the customer I shouldnt be having to deal with con artist, but I surely shouldnt have to put up with Chime Bank telling me this is the norm. This isnt normal and more people should be aware that Chime isnt customer focused and they dont follow the timelines of other banks. They also will give you no answers to your questions about the dispute and I even went as far to provide emails from XXXX showing that they instructed me to handle matters this way and still nothing.
12/07/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TN
  • 37214
Web
On XX/XX/XXXX my debit card was stolen along with some personal items. As soon as I discovered my card was missing, I immediately contacted my bank. This was XXXX if memory serves me correct. I also filed a police report with my local police precinct. I did forward the police report to my bank when I was told they were not going to credit my account the funds in question. Now my bank is telling me the police report is not enough proof for them. I have gone back and forth about this with my bank but they will not credit my account. These are the transactions in question.. 1. XXXX XXXX in the amount of {$110.00}. I do not know anyone in XXXX and have told the bank this. This transaction posted on XX/XX/XXXX. 2. XXXX XXXX in the amount of {$40.00}. This particular XXXX XXXX is about a mile from my house so the bank said since I live so close to this store, it was me. It was not me! 3. XXXX XXXX XXXX XXXX in the amount of {$42.00}. This XXXX XXXX is on the other side of town from me. The two XXXX posted on the XXXX. The transactions stayed in pending for a few days and the bank told me since I did report the card stolen so quickly, the transactions may not go through but unfortunately they did clear. I have done everything I know to do to prove I didnt make these purchases/transactions. I know this is not a lot of money to some people but it is to me. I have ALL the conversations and letters of dispute if you need them. I really hope you can help me with this. I recently went back to work from being quarantined for a week and I am struggling financially right now. Please help me. I tried attaching my documents but I had to get a new phone and not sure how to do this. But I do have it I can send. Im afraid if I try and download anything Im going to lose the information I have provided. My bank also has all documents.
07/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AR
  • 722XX
Web Servicemember
Good morning. My complaint is with the online banking company called Chime. About a month ago I was on vacation and I received an email saying that my account needed to be updated and I must provide them with the following information like driver 's license, social security card, proof of residence, like a utility bill, and proof of income. Also, I had a {$90000.00} deposit that I received from my XXXX the XXXX XXXX, and the rapid funds I sent to myself. I didn't immediately get the information to them, even though they said that I had 5 days to do so or my account would be locked. I have been with Chime for years and never encountered any issues. Also, this isn't the first time I've had a deposit of that amount deposited into my account. Two years ago I had an amount for maybe {$50000.00} deposited into the same account and there were no questions asked then and no problems. I made calls to Chime customer service pleading and many times complaining furiously about my account. Even after I sent them the information they sent me an email saying that they were unfortunately weren't going to be able to unlock my account with the information I had provided. I am the only person on this account. I don't understand why am I explaining the large amounts of money deposited into my account which is nothing new, and how I am using it. When I tried to call and speak with them now I'm just getting the run around. The XXXX of the month is coming up and I have rent and other bills to pay. I don't want my family and I to be outdoors because they want to be different. I sent one last email pleading my case three days ago and they still haven't responded back to my email. I have over {$47000.00} in my account and I told them before that I wasn't leaving it. I now turn to you guys for help in quickly resolving this matter. Thank you.
04/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NV
  • 89110
Web
I lend my chime card to someone i know due to he needed something i gabe him permission to use my card i gave him my pin there was {$13.00} only available.. now upon name " XXXX XXXX XXXX he is a XXXX.. him return my card after he dropped me off to the hotel i was staying at here in XXXX XXXX nevada i notice there was some changes on my card like the 16 digit number was reprinted solid black and the cVv # was different from my records of photo copy that i have and expiration date was changed.. now not on that ive only been around a few people the second day of my arival my phone was hacked/ or maybe traded out with a different phone but the same look alike as mine.. ive been back and forth to the banks i bank with and told me to report this ASAP so now I reached out to all of my banks i associates w my account banks cellphone number and phone has been compromised.. I believe so that my identity has been stolen ... i have no access to anyof my account email or banks.. please some investigate this .... this has gone way to far.. alot has happened alot.. money purchased from my XXXX XXXX XXXX and chime and XXXX XXXX card transactions history are most likely the same when i did research.. i have a few screen shot.. my card when i call are already link and set up to be declined and auto paste when i log in ... please investigate my phone i have and all my card and orther account.. I believe that XXXX XXXX is not the only one there are more thats part of this ... i will surrender all my cards phone etc thats needed.. i have a few idea of who else is involved ... money has become missing and my banks accounts are closing at this monentXX/XX/2021.. the banks are not disputing some orther changes and im still working on resolving this matter with them.. i have more information documented to share upon request for interview
03/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • AL
  • 36117
Web
On XXXX XX/XX/2021 atXXXX XXXX, I received a text stating " The phone associated with your chime account has been updated to ( XXXX ) XXXX XXXX. Please contact XXXX XXXX at ( XXXX ) XXXX you did NOT request this change. '' I also received an email stating my email has been updated to XXXX. I immediately tried to log into my online banking app but was complete locked out. Someone else had complete control of my account! I called the Chime Member Services at ( XXXX ) XXXXand I spoke with a representative who told me that I needed to send a copy of my ID along with the last numbers of my social security number toXXXX. I sent the requirements in an email multiple times, I have fully cooperated every step of the way. I have received a series of emails that state my account was closed due to me going against internal policies. However I can assure I did not. Anything that went against the policy was from the person committing fraud against my account. Chime has been very unhelpful, they have closed my account, wont share any details with me, nor will they reimburse any of my money. I also filed a police reportat XXXX XXXXwith the XXXX Police Department and with the XXXX XXXX XXXX Police Department where the transactions took place. I had a total of XXXX in my checking and savings account, until someone was able to make a total of 3 transactions that I did NOT authorize. The transactions were {$1000.00} Thursday XXXX XX/XX/2021 at XXXX XXXX at XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, VA, {$1200.00} Thursday XXXX XX/XX/2021 at XXXX XXXX at XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, VA {$200.00}, and Thursday XXXX XX/XX/2021 XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA.This member was able to steal {$2400.00} from me AND still has access to my account. Chime also refuses to change my email and phone number back!
01/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • MN
  • 55414
Web Servicemember
First of all, Chime Bank? It's NOT a bank. It's an Internet service so right off the bat, Chime is misleading. Attempted 4 times through chime customer support to have this issue resolved, or assisted in any way. I could get no higher than the original agents supervisor, even after several requests for either a superiors phone number or email. I was lied to twice in order for me to get off the phone. The chat agents will not listen to you, state what's obviously obvious ( i.e. if you go to the chat option you can use chat to talk to an agent ). I had two chats ended after I was asked if I had any more questions. I Immediately responded " yes I have a few '' and the agent blew past my comment and said " well if you don't have any more questions I will end the chat now. '' They literally go out of their way to do nothing for you. I hate complaining to support because that person probably doesn't get paid enough to deal with bs all day everyday but I had no other choice! I asked for help, and I got my time wasted, my issue went unresolved, and almost condescending answers from agents. My issue? I wanted either one of my mobile deposits to have some of the funds made available 7 hours earlier than expected because it's my birthday. Why am I broke? Because chimes mobile deposit confirmed my original paycheck deposit, and then notified me two days later, when I was expecting my funds, that the check I submitted wasnt accepted due to a shadow. 12 days later my first check arrives via mail along with my second check. Does chime card? Absolutely not. They told me they can not process the check because their system won't let them. Which is the lousiest excuse from a company I've ever heard. I was basically told " Chime can't help you because Chime won't allow Chime agents/supervisors to do or help with anything ever. ''
10/20/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CT
  • 06450
Web
In XXXX I noticed a charge on my checking account titled " XXXX '' in the amount of {$150.00}. I have no idea who or what it is. I immediately filed a dispute. When I asked for more information, all the rep could tell me was it was an online purchase. My claim was denied, which I immediately reopened providing " additional information '' requested. That was where I was at the time of the purchase : I was at home with my family. It took them almost 2 weeks to provide me with the " documents '' used in determining the outcome of my case ( attached ). The 3rd time i reopened the claim, i detailed why the 3 reasons almost proved I DID NOT make the charge : 1. It was a PIN purchase, but I had my card and was home. 2. The thief knew I was paid 2 days prior. Then why did the thief wait 2 days? I work so I get paid once a week. Why wouldn't they have taken it Thu or Fri? The charge in question was Saturday. Why didn't they take more? They took less than 1/2 of the deposit amount. This reason does not indicate someone knew a deposit was made. 3. If the dispute was 12 minutes away from my vicinity, than that is not at my house, so it's not me - because I was home. I have asked who this merchant is, what is their name, where are they located, why is there no contact info or location? They refuse to answer any of my questions and just say to refer to the documents used in determination. To me, this seems like it is clearly fraud. Even providing the information above, asking for a more valid reason for denying me, they still said no. They denied my claim yet again, providing the same document used in determining the denial the first 2 times. If this is a real merchant, tell me how to contact them and I can dispute it with them. But it doesn't seem real, so now I need my bank to help me get my money back- and they're not.
11/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • AZ
  • 85283
Web
NOT A DUPLICATE COMPLAINT - PREVIOUS COMPLAINT WITHDRAWN My account was closed by chime for " violation of their terms by my deposits '' and they closed my account according to section ( I ) C 9 of our deposit agreement which basically states they can close the account at any time for any reason on XX/XX/XXXX I did not do anything to violate any of their terms of service and my account should not have been closed. However, Upon closure of the account, i had a balance remaining of {$770.00} Over a year later I still have yet to receive these funds They originally told me i would get a check in the mail within 30 days and after that did not happen i started contacting them I have contacted the bank on multiple occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The bank has stated that they are NOT returning my funds I have repeatedly asked if this was a levy as I was able to get my statements from them it stated this as the line item XX/XX/XXXX XXXX XXXX XXXX XXXX '... Adjustment- {$770.00} - {$770.00} They have declined it was a levy but rather I have just violated their terms and for security reasons they can not give me any more information I have also called on multiple occasions, having to call from a different number as their automated system hangs up on you. They say the same thing that i will not get a refund and to follow up via email. Update : Upon receiving an email from chime today they have stated the line item is from XXXX XXXXXXXX XXXX however there is one major problem, I have never even heard of this bank until today, never done any business and upon calling the bank their legal team states that they did not issue a letter of indemnity and even said it may be a scam I can only imagine this was processed to my account in error
01/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • TN
  • 37207
Web
I received a check from my property management company on XX/XX/23 I did a mobile deposit via the Chime app. Chime deposited the check but held the funds and did not make them available. On XX/XX/23 I got a email stating the check was returned on XX/XX/23 due to stop payment. I verified with the issuing bank XXXX XXXX XXXX their was not a stop payment on the check it was a issue of the positive pay being done. Since i knew they check was good i tried depositing it into my XXXX XXXX Bank account XX/XX/23. The following week on XX/XX/23 XXXX XXXX advised me the check had already be deposited. I called the property management company as well as went to a XXXX bank location and was advised from both that they check shows it was deposited and has not been returned. I was givine a document showing proof it was deposited from XXXX. Chime has not shown any proof this payment was returned. They stated it had to be mailed and would take XXXX business day but i stil have gotten anything. The email support they have have not been helpful at all. They have not shown me any proof the check was return or even what account it was shown to they should be able To show me something just like XXXX did proving it was returned & showing the account it was returned to to verify it was returned that said XXXX account. Also the return transaction has disappear all together from my account which is very suspicious because why can i no longer see the returned check transaction on XX/XX/23 it like it was done purposely. The money was to help me move in my new place & i feel like money was stolen or it was return to the incorrect account or has been returned like they said. Because if it was returned XXXX should be able to verify it was returned. I need assistance with getting Chime to return the check to XXXX or prove they did already.
06/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 984XX
Web
On XX/XX/XXXX at XXXX, I was having breakfast with my nephews at XXXX in XXXX Wa XXXX when I received 2 text alerts, 1 for {$400.00} ATM withdrawal, 2nd for {$320.00} ATM withdrawal, I immediately ran out of restaurant to call Chime customer service to inform them of the fraudulent withdrawals, they informed me I had to wait till the transactions settled before I can file a dispute, the transactions settled Saturday XX/XX/XXXX, so I filed the dispute and sent all my documents showing I was at XXXX and XXXX min away in XXXX XXXX Wa. My receipt at XXXX restaurant shows XXXX when I ordered our breakfast, the 2 ATM withdrawals were done at XXXX, and XXXX 1 minute apart at XXXX XXXX store in XXXX XXXX Wa XXXX my argument to Chime dispute department was, how could I have been in 2 places at the same time? Also I called the XXXX XXXX store and left a message for owner to call me so I could report what happened, but I got no call back. Chime denied my claim stating there was no error, so I was furious and called chime dispute department again to reopen my claim that I was going to forward additional documents regarding my dispute claim, I forwarded photos that the manager at XXXX retrieved from the restaurants surveillance camera showing my nephews and I sitting at our table in the restaurant at the time the ATM withdrawals occurred and a screenshot of my police report I filed with the XXXX Police Department with the tracking number from the police report, I asked chime for a provisional credit due to the fact that the person who fraudulently took my money from my account wiped me out! I dont have money for gas, or food due to this criminal activity, Ive read other complaints against chimes unethical practices and so Im reaching out to you organization for help! Please help me.. Im desperate and in need of help!
02/03/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 336XX
Web
Detailed explanation on denial when I receive no denial letter whatsoever and only minimum information was requested to be provided my drivers license was not asked for nor previous addresses nor can you resubmit a application with your previous provided information at a later time if specific reasons are not provided for why inaction took place in regards to a consumer account a consumer would be unable to understand what the issue is in one either fixing and removing the issue at hand effectively being unable to clear it up with consumer bureaus or the information may be completely inaccurate and associated to the wrong file and the consumer would never know what the issue is. The reason could even be a unable to identify file based on the address since they do not ask previous address. Regardless I feel that this institution picks and choices who it allows to become members and that I also feel that could be discriminatory in nature you can not provide a generic denial or generic security issue message and not follow up with additional information that doesnt follow the standard practices of consumer law. More especially I feel when your income is able to be verified by banking consumer agency softwares such as plaid where you can type in your financial institution credentials and they can see your current activity in the bank to see that your income matches what was provided and to see you have little to no security risk. Dates event occurred as I contacted chime on numerous occasions by social media and email either getting a generic response or no follow up whatsoever XX/XX/2020, XX/XX/2020, XX/XX/2020 I feel I am being discriminated against as Im not being allowed to know why exactly this account is not being granted nor am I able to provide proof to overturn whatever theyre system is saying.
06/30/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95624
Web Servicemember
On XX/XX/2021 my card was charged for {$1900.00}. Upon seeing the charge and noticing that my phone or computer was used to make the purchase I had asked everyone in my household about the purchase. I found my ex tennant who rented a room at my home with a computer he had purchased using either my computer or my phone that he had access to. I took back the item and told him to leave my house. Thinking it would be easiest to return the computer I tried to return it at XXXX at XXXX XXXX on febuary XXXX where an XXXX XXXX male claiming he was the manager of XXXX XXXX would not except the return claiming the computer had missing parts. I originally thought this was a dispute with the merchant as I had the item in hand as I got it back from my tennant who used my card without my permission. After filing a dispute with the merchant I was told it still should be considered an unauthorized purchase. I feel i should be covered no matter how its filed as visa offeres a purchase protection. Im unhappy with the product and dont want it and XXXX did not accept the return, and i also did not make the purchase so its an unauthorized purchase. Based on visas consumner protection i should be covered by one of these as I was willing to return the item but the merchant would not allow it. After 3 months of waiting for an answer and even being told I would qualify for a provisional credit and not getting it and having late fees add up, i was told that i would not be covered by any of the promised buyer protections or unauthorized purchases that visa offers by chimes disputed department. I have provided police reports and small claims reports but they feel no error has been found while i sit short of XXXX XXXX dollars and a computer i did not want. I feel this is in breach of the visa protection they claim they offer.
11/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 43213
Web
I bank with chime bank over 5 years now. I noticed last week I had a transaction that I did not do with XXXX when checking my account. I ordered food for my kids that night and went to sleep and woke up noticed last night a XXXX was also ordered and then more transaction that morning trying to go through.Thank goodness I locked my card because I still have my card in my purse. I do a lot of online purchases and save my card to my online accounts. The fraudster also tried to use my card at XXXX, XXXX and XXXX again but luckily I locked my card so they all got declined. I contacted my bank once I seen my card declining purchases. I was making sure my card wasnt being used in my brother XXXX account and mine no purchase was from XXXX on XXXX so I knew my card been comprised probably online. The agent at the bank was questioning me and putting me on hold while I tried to do the dispute and I can tell he thought I was lying. The transaction was only XXXX dollars and thankfully I locked my card in time so those other transactions didnt go through. The bank closed my dispute literally less then 24 hours and said it was not fraud. I am upset I basically lost money from a fraudster and my money in my account so not safe because if someone comprises my information again somehow I will not get the money back.I called this morning to submit a complaint or feedback because my dispute wasnt investigated just closed because I know the agent thought I was lying for XXXX dollars. The agent told me she can only notate my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and if we cant help customers because of policies and procedures we take the customer complaint and feedback at least Chime makes me feel like they are not a real safe bank to use I never had any problems until now with this bank I really loved them.
12/07/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • DE
  • 198XX
Web
Good morning, I have banked with Chime for a few months, and during that time there have been a number of issues, including platform outages. However, this complaint is specific to a check I tried to deposit last week that was rejected. My check aligned with their published terms for remote deposit ( 3rd party check for less than {$2000.00} daily limit less than {$10000.00} monthly limit, account in good standing etc ) yet was still rejected by Chime. It was from my benefits provider as a reimbursement for child care ( WageWorks ). I attempted to deposit the account with clear images on XX/XX/XXXX and received an email from Chime ( that went into my junk ) on XX/XX/XXXX that indicated, " We are not able to clear this check. '' The check was clearly made out to me -- my name has not changed, and neither has my address ( both which match my Chime account ). I signed the back. It was not expired. My account was in good standing. And I've remotely deposited XXXX checks before. In summary, there was no reason I can possibly imagine for denial. Subsequently, I reached out to XXXX, who confirmed there should be no issues with the check. That same day XXXX XX/XX/XXXX ) I messaged Chime ( in their app ) for help and/or clarification as customer service was closed. Their customer service inquiry indicated they would get back to me within 24 - 48 hours. That was 5 days ago and it has been radio silence ever since. Thankfully, I've been able to make ends meet without the availability of these funds, but I've opened a new bank account and am waiting the hold time to access funds I've moved over. Not only did Chime break their published mobile check deposit terms, but they were completely unresponsive to my inquiry afterward. If others are reading this, beware, this is NOT an institution I would recommend!
12/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AL
  • 361XX
Web
I went to XXXX to deposit money into my chime bank account since it was free. I deposited {$330.00}. That was in XX/XX/XXXX at XXXX. As i drove home, i got a notification from chime. I assumed it was to tell me that my funds were deposited. Once i got home, i took a closer look at the notification. It stated that {$320.00} was sent via XXXX XXXX and my new balance was {$12.00}. It was very upset. I didnt make that transaction. Since it was Friday, i knew it would be Monday before i could start my dispute with them. On Sunday night, XX/XX/XXXX, i called chime because the transaction was posted. Upon calling and verifying my identity, they started by dispute and issued me another card. They told me to be on lookout for the decion via email and gave me step by step on how to upload my documents to support my claim on the app. I did just that. On Wednesday, XX/XX/XXXX at XXXX XXXX i received a email from chime stating they were denying my claim and saw no error. I called them to make a rebuttal. On that same day, atXXXX XXXXXXXX they sent me another email stating my claim was again denied. I called them again to get it escalated. They said someone would email me at the end of the day and i can speak to them about my concerns. I never received the email. I called again on XX/XX/XXXX. and got the same thing. Someone would email me, no problem. I never got the email. I contacted XXXX on XX/XX/XXXX at XXXX XXXX to be on the safe side to mabe see if they could track it by the amount or something. I was desperate. They couldnt do it that way and they stated because XXXX XXXX is an authorized payment service ( using XXXX XXXX ), they couldnt do anything anyway. That same day i tried to do another rebuttal with Chime. I updated the information and sent it to the claims team. I was again denied at XXXX.
06/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • XXXXX
Web Older American
On XXXX XXXX my SSDI check was deposited into my Chime checking account. All of a sudden my phone started getting really hot and I couldn't even place a call. I got a text message that {$1200.00} was deposit onto my account. Then I got a text message saying {$1200.00} was transfered to an email address. I was like WHAT!! and immediately tried calling Chime I couldn't call my phone was locked then I got another message that {$300.00} was transfered to another email address, then another for {$250.00}. That was everything I had in my account {$1600.00}!! After all this happened and I calmed down I could call Chime. The lady that answered said it had to file a dispute and I said NO stop these payments the charges are pending. She said no I had to file a dispute and she transferred me. While I was on the phone with the dispute department the charges went through. I was livid!! So I filed their dispute and was told within 10 days I would hear from them. Two days later they denied my claim. I called them back and they said they would reopen it and they had 45 days for their decision. Meanwhile I called Social Security and told them and they stopped putting my money in my account and sent me paper checks. While I was waiting on their decision and going back and forth with them they closed all of my accounts. I tried calling them again and I can not talk to anyone anymore because when I call they say your accounts have been closed and hang up. I got emails from them denying my lclaims and closing my accounts. This is so messed up. I can not even get into my accounts anymore it's like they disappeared like thar one {$300.00}, I disputed. I just.vanished. I can't even talk to anyone and I have been scammed. After doing some research on this Chime they have done this to hundreds of people. Please help me.
05/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30315
Web
On XX/XX/2023 I have problems switch XXXX trying to take money from my account which lead me to calling my bank which is ( CHIME ). When I search chime in the XXXX data base it gives you a fake chime website and a fake number which is XXXX, me not knowing I called the number and it sounded like a chime representative they access my whole account through some app called ( XXXX ) what they told me to download but Im still XXXX to the fact that these people are SCAMMERS. I did everything they told me to do about trying to get the XXXX to stop trying to take money from my account. Weeks before this I had already called to report my card lost or and stolen and XXXX were still trying to take my money. As Im on the phone with these SCAMMERS they was able to get into my account and sent themselves {$1500.00} of my money through PAY A FRIEND on the CHIME APP because the app XXXX shared my screen with these SCAMMERS. As soon as this happen they tried to take another {$120.00} out of my account but it flagged it about saying that the pay a friend was unavailable because you recently sent out a unusual transaction and it didnt go through immediately I asked for they name and badge number and they hung up thats when I knew I something was not right. So somehow I called a guy friend and asked to look up CHIME phone number and it gives them the real phone number. I called them to report what had happen and they told me that they will file a dispute which they have denied multiples time and Im still out of my money. They said the last investigation date was XX/XX/XXXX and still no funds. I filed a police report and have videos of some of these happening. Could someone please reach out to me please. I have XXXX kids and bills I behind on my car insurance and I need help in regards of this matter. Thanks
07/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • GA
  • 30030
Web
I opened a CHIME Bank account to manage a graduation event for resident physicians in XXXX. Because of COVID restrictions, our department couldn't pay for food at events. So I collected donations from other faculty in a XXXX account and transferred them to the CHIME account. The amount raised was close to {$7000.00} and most were small donations of {$100.00} or so. Then, as the residents went about planning their own event, I texted them amounts of money to reimburse them when they showed me receipts. The text to pay was a main feature of why I used the Chime Bank in the first place. Occasionally, I was able to pay for things directly such as the venue. I received an email saying that they suspended my account because of suspicious activity. I provided them an explanation that was more extensive than the above. Also, I provided a lot of receipts and my proof of address. I phoned to follow up a week later and they informed me that I sent that information to the wrong address and I resent it all to a separate one. Then they responded saying explain the cash payouts and I did that again. I was not able to look at the account as it was disabled to find out which payments they didn't have or which ones they were concerned about. I tried to call and they wouldn't discuss this and later blocked my number. Then they closed the account as they said that it violated their internal policies. I was unable to identify these policies and they referenced information that did not mention anything about a limit on text payments. Further, they would not refund any of the money left in the account. Because I can not see the account any longer, I'm not even sure how much was left in the account. It's close to {$1500.00} or so. I'm fine with them closing the account I guess, but I'd just like the money back.
03/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 78023
Web
On XX/XX/XXXX I had charge on my Chime credit builder card from XXXX XXXX of {$300.00} I called because I dont have acct with them it was closed last year. So I filed a dispute with chime get my money back but at that time they said 60 days! Im like umm no thats insane Ill do it myself get this fixed. So contacted XXXX They said was glitch in system my card was still showing active so they refunded the funds on XX/XX/XXXX back to my card gave me transaction ID a ledger number and even mailed a letter to state funds were sent back to my card. I called Chime and let them know a week later they said they received nothing and I was like that cant be the case because I have all this documentation XXXX said they did everything on their part. Chime says we dont have anything we are showing nothing we need proof and I said OK well Im sending you all the proof. So they said email all prof ok Heres a copy of the letter here is a transaction ID cant you look it up youre a bank Well and then I find out they cant look it up because apparently theyre not an actual bank which Im learning this out now. So weeks go by and here I am still asking where my {$300.00} and they tell me theyre still investigating and I keep arguing the fact what are you investigating the funds were sent back in XXXX here we are XX/XX/XXXX and youre still claiming your investigating you have the proof you have everything so theyre refusing to give me my money back theyre telling me they have until XX/XX/XXXX and they have 30 days from the visa card to receive funds Ive explain to them its been 30 days you keep giving me XXXX reads from script and then they hang up on me. So then I said OK well let me cancel the dispute because theres nothing to dispute you have the funds and they dont even answer the question they go in circles.
08/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • KY
  • 40517
Web
My name is XXXX XXXX, e-mail- XXXX, phone number, XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX my DOB- XX/XX/XXXX, last XXXX of SSN- XXXX. I had my phone, purse, car and everything stolen from me and I was left at a hotel in XXXX OH XX/XX/XXXX I contacted Chime to shut my account down and all they did was shut the debit card down and that didnt do anything but lock me completely out and at that point without being able to get into the app you can access any customer service! So the people that stole my phone and had access to my Chime bank account got my new debit card number and stuff before I did I had to wait for it to come in the mail they got to see it change on the app! All the while Im begging Chime an email asking them to please set my countdown that these people are stealing everything I had again he fell and deaf ears! So after I got all the information together and filed most of the complaint for the unauthorized transactions I got a denial, filed another complaint, I got those denied! Im not even placed all of the disputes because its just so disheartening to have so much taken and nobody listen but for the disputes that I have filed that Ive got denied for no reason! With lots of information that these people left on my phone that got saved in my XXXX account, them texting people saying they had my phone this was their new number, and pic that they took my phone of them in KY while I was still in OH! But the dispute for {$2100.00} was claim number XXXX, the dispute for {$1200.00} was claim number XXXX, the dispute for {$1900.00} was claim number XXXX, Theres no reason with all the evidence I submitted that my claims should not be paid in full and Im not going to stop til they are because they are scammers there self instead of a bank people are supposed to trust in!!
05/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • KY
  • 40356
Web
As you will see in the attached documents I have provided all statements from the 2 years I have used Chime. My money is deposited into the credit builder which is just a fancy debit card they reports to one Bureau supposedly every 30 days. That combined with my actual checking account if you add up all transactions in my account you will find discrepancies beyond repair. Below is my statement : I am writing this with great frustration regarding the missing funds in my account. Between the months of XXXX and XXXX, I noticed money missing from my account, totaling upwards of {$1000.00}. I have been patient and understanding up until this point, but I can no longer remain silent. I was promised an update on the situation by a supervisor named XXXX, but I never received one. Additionally, I was told that the issue would be resolved within 48 hours with consistent updates, as of now it appears that promise wont be kept. As a result of this situation, I will now be going back to XXXX XXXX XXXX and looking at all statements to find any other errors or discrepancies. It is unacceptable that I have to take matters into my own hands to ensure that my funds are being handled properly. Theres no particular transaction. The money is just gone. So I need all my transactions added up from XX/XX/XXXX to XX/XX/XXXX and find the difference of money missing since XXXX, XXXX, XXXX, XXXX, and XXXX cant assist me with why I have XXXX XXXX missing from my account between XXXX and XXXX of XXXX. A few days later : I was told that it is not {$1000.00} between those month but that it looks more like {$150.00} not accounted for so if thats the case {$150.00} x 24 months = {$3700.00}. So now, since we have an admission of guilt, I can either be refunded {$3700.00} or the {$1000.00} not in my account
11/11/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CO
  • XXXXX
Web
The Chime Credit Builder account mimics a personal checking account but acts as a credit account in the name of building credit. Chime charges transactions as a credit transaction, but they will only authorize the transaction if I have the funds prepaid in the account balance and they immediately seize the funds and hold them until they " pay off '' the account each month. Reg E provisional credits are required to protect personal account funds due to unauthorized access to a consumer 's funds. Chime says my Credit Builder transactions do not qualify for a provisional credit under Reg E because it's a Credit transaction/loan. My major point of contention is that I called Chime and reported possible account breach and unauthorized access within a few hours of my phone being stolen. I reported the fraudsters had access to my telephone numbers and my email and the Chime app on my phone. Chime failed to take appropriate action and freeze the account and allowed fraudsters to log into the account, make transfers within the account, and allowed 16 charges over 3 days before they finally appropriately froze the account only at my insistence after I spent 3 hours 20 minutes on the phone with 7 representatives because I refused to get off the phone until they fully stopped all transactions and activity. Had I not been so insistent, more fraud would have happened with my personal funds. So we have a situation where Chime allowed the fraud after I reported it and they kept just under {$350.00} of my personal funds on deposit with them and are advising me that I may not see my money until XX/XX/XXXX ( XXXX months ) when the investigation concludes. I take exception to Chime taking advantage of me and holding my personal money while they investigate charges that were their mistake to allow.
11/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MN
  • 55432
Web
My XXXX account was compromised on XX/XX/2022 and I attempted to stop an unauthorized login from an unknown device using 2-step verification, but I was bypassed. I immediately logged out all devices and changed all of my passwords associated with the account, but unbeknownst to me my XXXX XXXX account had already been subscribed to an application that is very clearly a scam. I wasn't notified or asked to verify the transaction and only noticed when I checked my account balances online. This was on XX/XX/2022 for the amount of {$58.00}. I froze my cards and reached out to both of my banks immediately, and once the transactions were complete, XXXX XXXX came to the conclusion that the transactions were unauthorized and credited the funds back to my account. They also issued me a new card. Chime on the other hand has told me that they believe the transaction to be valid despite me reporting that I don't recognize the transaction. I have submitted multiple rebuttals with evidence supporting the fact that the transaction is obviously very suspicious and I included screen shots of emails confirming the unauthorized logins, the changing of my passwords, and the company that my cards were charged to that was very clearly a scam. It was listed on an XXXX website for XXXX XXXX as an XXXX XXXX I have tried resolving this with them several times, and am likely going to be discontinuing business with them, but I would very much like to get my money back and am frustrated with how difficult it has become. I even forwarded XXXX XXXXXXXX XXXX decision to Chime to see if that would convince them, but they say that because my physical card was in my possession and because I shop online and my pin was not compromised, that they believe the transaction is valid despite the evidence that says otherwise.
12/02/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NY
  • 10308
Web
On XX/XX/2020, Chime bank placed a hold on my account and ended up closing the account that day citing section 9 of their service agreement. My account has XXXX $ i recieved from the New York State Department of Labor for my unemployment benefits i was eligible for after being affected by the Covid 19 pandemic. I was in communication for a couple of weeks until Chime just stopped answering my emails. I emailed them again to start a new chain of emails with their " support '' on XX/XX/2020 because they never responded to the original one. They responded promptly asking for documentation so that i may be able to access the funds they have been holding XXXX for over a month at that time. The documentation they asked for was primary form of government identification which i provided in form of my NY state Drivers License, images of the front and back, a secondary identification of which i asked for an approved list of documents. A bank statement was on the approved list of which i provided a copy of a pdf bank statement within a months date of the email. " Proof of the loads '' onto my chime account, which i provided a pdf copy of my payment history from unemployment NY state Department of Labor and an " explanation, '' which i explained i was an out of work XXXX XXXX US citizen that was eligible for Covid 19 pandemic relief. Once i provided all said documentation they just have refused to answer any of my emails. Any phone calls i have made in an attempt to speak with a service representative has failed. My phone number is obviously flagged because i recieve an automated message to email support, which never email back and any calls made from different numbers are asked to provide information for the account in question which leads to them telling me to email support again.
11/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 75482
Web
I had a fraudulent charge on my account with Chime on XX/XX/2023 for {$250.00} from some company called XXXX XXXX XXXX. As soon as I noticed the charge I turned off transactions, contacted the company to demand a refund which they were reluctant to provide me information on the charge and were near impossible to even get ahold of. I then I reached out to chime about it and was informed that they showed the company had issued and refund and suggested I wait on the refund to go through. On XX/XX/2023 I reached back out to chime to get an update and they informed me that the company had refunded and then recharged the {$250.00} from my account twice, none of which showed up on my account transaction history. The debit card in question has been locked since the initial charge took place, so I asked chime customer support why they were able to redebit the card that had been locked and why none of this showed up in my transaction history, to which they just kept saying were sorry for the inconvenience and couldnt provide me the information of it being credited back to my account and then withdrawn again. I have moved forward with disputing the charge in an attempt to get my stolen money back from a company that from everything I can find doesnt exist and so far chime customer service has given me no answers beyond were sorry for the inconvenience, well investigate. I have been in contact with them from the moment I noticed the issue and they have done absolutely nothing to help me solve it beyond tell me just wait for the refund that they are now telling me isnt going by to come. I dont understand why this has been such a drawn out process when they could have blocked all access from that company to withdraw from the card that has been locked since the initial fraudulent transaction.
12/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Confusing or missing disclosures
  • CA
  • 91730
Web
I DO NOT have an account with Chime or The XXXX Bank. However, I have received text messages from them saying my " Chime account is ready '' and to set up the app. Then a couple weeks later, I got another text message to my phone saying " Your Chime Visa Debit Card was delivered in a bright green envelope. '' I panicked because I didn't sign up for an account with this business and was immediately concerned there was possible identity fraud in progress. A few days later there was a " bright green '' envelope from Chime in my home mailbox and it was clear there was a plastic card inside. When I opened the item. there was what appeared to be a debit card with my name and an account number and expiration date. There were directions which stated " Activate your card and set up a pin in the Chime app ''. Then is also stated " Set up Direct Deposit with Chime & get paid up to 2 days early ''. It had The XXXX Bank information and account information for the direct deposit info. Again, this was deeply concerning because it was unsolicited and from an institution that I do not do business. I was very concerned that the was a possible fraud action by someone and immediately ran credit reports to may sure someone was not trying to open accounts in my name. These companies ' XXXX ChimeXXXX Bank XXXX practices are unethical are XXXX. They should not be sending debit cards with account out to people that did not request them. We have a problem with mail getting misdelivered ALL THE TIME. What if this had been put it the wrong box? Someone would have had a access to a card and my information. I have tried to get in contact with Chime via email, but all I have gotten is auto messages or messages asking for my personal information and " account info ''. They just need to stop this practice!!!!
04/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Problem with direct deposit
  • TX
  • 77016
Web Servicemember
I was released from a prison term of 6 years on XX/XX/XXXX and had to reactive my XXXX benefits. I visited the SSA and completed the process of reactivation. Because I no longer had my XXXX XXXX XXXX, I signed up for a Chime Card after seeing the commercial on television. On XX/XX/XXXX I changed my direct deposit and received confirmation from the Social Security Administration. Per the SSA ( Social Security Administration ) my direct deposit was effective on XX/XX/XXXX, but on XX/XX/XXXX no benefits were received on my debit card ending in XXXX. I went back to the SSA and was told that the funds were released to Chime ( XXXX XXXX XXXX ) and I needed to contact them. I immediately went home and contacted the support team and was told they could not see my direct deposit. The next day I was told that it would take some extra days because it needed to go through the federal reserves before coming to them. The day after that I was told that because this is my first direct deposit that it would take extra days and they would post my funds upon receipt. From XX/XX/XXXX to XX/XX/XXXX, I still have not received my direct deposit in the amount of {$980.00} and I have a problem with this. Their advertisement states that you can receive your check up to 2 days earlier, but if signing up for the card in XX/XX/XXXX that was 30 full days they needed to verify my information for the direct deposit date of XX/XX/XXXX. Also, to verify my account, I had to submit a front and back copy of my identification card, which approved my account. I am filing my complaint because at this point Chime ( XXXX XXXX XXXX ) can not tell me where my money is and my landlord has provided me with a 3 Day Notice to Vacate. I need help ASAP! Please, investigate my complaint at your earliest convenience.
08/21/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Can't close your account
  • CO
  • 80249
Web
An account was opened under my name ( XXXX XXXX ) and my email ( XXXX ) at the neo-bank Chime Bank. I had never heard of the bank before and had not signed up for anything with them. I received a new member bank card in the mail from them with instructions to activate it. I was at once confused and wary. Shortly after I was notified that the phone number and account information for the account had been changed. I have not at any time had access to the account, but I was still getting updates to things happening with the account, including deposits and messages. I emailed their support email to get the account closed and recieved multiple messages back asking me to confirm the email associated with the account. I knew what email was associated with the account because this was the email all of the chime bank updates were coming too ( XXXX ). Each time I emailed them the information I was met with a new email -with a new name in the email signature- asking for the same information again. I ended up calling their help line where the representative ( who did not give me their name ) told me the only way to close an account will be to give them the last 5 digits of my social security number and full name. I told them I never gave them that information so it wouldn't match their records anyway and that this seemed scammy enough that I was hesitant to provide such information. Even my legitimate bank has never asked for more than the last 4 digits before. They said they found my account but could not close it until I confirmed the social security number associated with the account. I asked them if they could remove the email from the account since it was not my account and I had not opened it. They told me again they could only do that if I gave them my social security number.
04/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 92028
Web
I looked at my account on Saturday XX/XX/XXXX and there were 2 Pending transactions for XXXX. These were not my transactions as I never use XXXX and therefore unauthorized transactions. I immediately called CHIME. I requested a cancel of my old card and a issuance of a new card to prevent any additional unauthorized transactions. The representative on the phone said he would cancel the transactions that were literally only hours old and that the money should go back into my account he said to check later. The transactions were for XXXX XXXX @ XXXX AM XX/XX/21 and XXXX XXXX @ XXXX AM. I called them around XXXX to report these. The representative said the transactions should fall off in a day or two and to call back if there are issues. Two days later both transactions had posted and money taken out of my account. I called CHIME again to advise them what happened and what is going on, I was told I had to file a dispute. I filed the dispute and a week or two later received an explanation why they WERE NOT GOING TO REFUND MY MONEY. No where in the explanation was there any credence to WHY they were not going to refund my money. They simply denied my case because i had a low balance and a bunch of statements that does not prove anything ... which I always have a somewhat low balance on this account because i use it as a spending account. I called them again asking why they had made this decisions where there was clear fraud on my account and they proceeded to question me as if I WAS THE GUILTY PARTY. Honestly, its not a lot of money to me but its ' the point that the bank who is supposed to secure my money decided not to do the right thing. At this point, I reached out via email again and have not received any further responses from them. Claim number with CHIME bank is XXXX.
03/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 984XX
Web Servicemember
XX/XX/22 - 3 fraudulent transactions totaling {$2000.00} were charged to my debit card. 1/19/22 - Dispute opened regarding the 3 fraudulent charges. XX/XX/22 - Claim denied with no reasons given. XXXX opened. XX/XX/22 - XXXXl denial reasons received. XX/XX/22 - XXXXXXXXl reopened with responses to all denial reasons. I am informed that provisional credit will be issued on or before the 10th business day. XX/XX/22 - 10th business day. No credit to my account. XX/XX/22 - Called regarding non receipt of provisional credit. Agent tells me that my issue is escalated and I will receive a response in 3 business days. XX/XX/22 - 3rd business day since escalation and no response. XX/XX/22 - 17th business day. No credit to my account. The type of transactions disputed are all debit card transactions and listed as eligible under the provisional credit guidelines. The highest available supervisor who could be reached by telephone in the claims department has confirmed my eligibility for the provisional credit. 5th business day since escalation with no response. Supervisor on phone support escalates my issue AGAIN and says I will receive a response within 3 business days. XX/XX/22 - Chime can not give me a reason why I haven't received the provisional credit that I have been confirmed to be eligible for. Escalation responses are not timely. XXXX credit is not timely. So I am left with no other option than filing a formal complaint. I have been a customer for 4 years and am being treated like a criminal instead of a victim. I have also filed police reports and provided them in support of my claim. Filing false police reports is a crime so you can bet your bottom dollar I'm not lying. I am the victim of fraud and federal regulations are not being adhered to. Claim # XXXX
08/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 930XX
Web
On XXXX XXXX around XXXX PST, two fraudulent attempts in Washington were made on my account ( one through XXXX XXXX which notified my phone via the bank app ; Chime Bank did not process these charges due to insufficient funds. I reached out to Chime support immediately via the app to have my account and card locked which did not happen. Chime support has admitted this failure on their part but still refuses to approve my dispute claim for the following event. I live in XXXX XXXX, California and on XX/XX/2022 at XXXX PST a charge to XXXX for {$140.00} was processed on my account that I did not approve, request, or process. This charge is unapproved. I immediately disputed the charge through Chime support however they refuse to approve my dispute as they believe this charge is not fraudulent ; which is false. I have spent a month going back and forth with Chime and XXXX to get all of the details of this case. I submitted a missing payment report and a fraudulent payment report to XXXX however their system and support teams can not locate the charge or my bank information in their system. XXXX is unable to locate the charge of {$140.00} and therefore can not reverse the money. They recommend that I reach out to Chime to have the charge disputed. It is now XX/XX/2022 and Chime Bank still refuses to approve my dispute request in the amount of {$140.00} for a fraudulent charge that occurred XX/XX/XXXX. I have called their bank 7 times and spoken with 15 chime support agents who could not assist me. I have sent 8 emails to the Chime support team to rebuttal my case in an attempt to have my request approved. It is now a month later and my funds are still being withheld by Chime whose dispute team has not provided clarity on what information they need to approve my case.
11/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 90680
Web Older American
Chime /XXXX XXXX closed my checking account suddenly without notice with a balance of {$5700.00} which they did not reimburse to me. Below is their email of XXXX XXXX I called them immediately and ask for my money. They said they would send me my funds in 30 days. They lied. I have not received my money. Chime Member Services To : XXXX XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX Chime Hi XXXX, Thanks for reaching out to Chime Member Services. My name is XXXX and I'm more than glad to assist you. I hope you are having a wonderful day! Let me help you with that : Spending Balance : {$5700.00} Savings Balance : {$0.00} Youll be able to check your current balance on the home screen of the Chime app. And you can also set up daily balance notifications by going to your Settings, scrolling to Notifications, and turning on Balance Alerts. Please let me know if you have any other questions about your Spending Account. Thanks, XXXX | Chime Member Services Below is another email from Chime : hime Member Services To : XXXX XXXX Thu, XX/XX/XXXX at XXXX XXXX Chime Hi XXXX, Our issuer, The XXXX XXXX provides banking services to many other companies like Chime. They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure. Direct deposits, ACH debits, and recurring debit card payments may be rejected after your account closure date, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies/ Kind Regards, XXXX | Chime Support
03/22/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • TX
  • 756XX
Web
I reached out to Chime on XX/XX/2022 regarding a service that I paid for on XX/XX/2022 iao {$1000.00}. I disputed due to the service not being as advertised I received an email saying it would take 30 days to investigate. I then received a notice the same day a few hours later saying my claim denied. I submitted my claim again because I didnt feel that they thoroughly investigate to see what acutally was going on and my reasons that I was requesting a refund. I got another generic email saying my claim was again denied and they told me I could basically escalate it and send over my proof documentation in which I did. To which I received yet another denial email and they were basically saying it was past 60 day timeframe and that they didnt find any wrong doing on the merchants end. I feel as if they dont wont to do their part and protect their clients hard earned money from scammers such as XXXX XXXX . I paid my hard earned money for her class that was supposed to teach me everything I needed to know to start a business but wasnt taught absolutely anything. The lady that I paid for her course was recently exposed for being a scammer and it was all over XXXX and I didnt find out till XXXX at that time is when I reached out to her and told her I didnt learn anything from her class and that i would like a refund and I was denied since I accessed her class according to her. She failed to mention to any of her students that was a 30 day refund policy. Had she let us know back then I would have requested it within the 30 days because I knew immediately after I accessed course it was not what I paid for but was scared to say anything since she has reputation of posting people that speak out against her on her XXXX page so her XXXX followers can see it and talk bad about u.
12/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MO
  • 65807
Web Servicemember
I contacted Chime and requested that my card be closed and a new one be sent to me due to fraudulent transactions that I did not make. I was XXXX and my phone was cloned and information was stolenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. I begged for them to credit my account because I am going through XXXX and I am on a fixed income from the XXXX due to being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. I filed on the XXXX and just wanted to get my things back that were stolen. I constantly contacted and asked to know where to send documentation and they told me to wait until one of the pending charges that was left was done. The moment it was settled on the XXXX they immediately closed it and said there was no action that warranted the dispute. So I filed a rebuttal on the same day and this morning it was denied even with the proper documentation and proof. I had over XXXX taken from me. I couldnt pay for my XXXX on Friday because I am overdrafted and they wont credit my account. I have contacted XXXX and XXXX about this and they can not do anything or wont even with them being the fiduciary groups for Chime. This isnt right, I didnt do anything and I just want my money that was taken. I told the dispute department that if my account was not credited today that I would file complaints with the CFPB as well as FDIC. I have been hung up on multiple times, they didnt file multiple times for said rebuttals even when they said they were. All Ive asked is for my money back, its not only XXXX but its the only way I have to help pay for my XXXX and now Im at a loss, I cant even afford to get fuel. I know this is just a protective measure for consumers, but hopefully nobody else has to go through this in the future.
12/22/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NV
  • 89121
Web
Around XX/XX/2020 my " Chime Bank '' checking account, which I later learned issues their debit card thru " The XXXX XXXX XXXX suspended my account and filed a " Suspicious Activity Report ''. Under the SAR 's Act I am unable to withdraw ANY of my funds which total approximately {$4000.00}. ALL of my deposited funds were ethically and legally acquired thru my small business. The account is in my legal name. The Social Security Number and Date of Birth I provided were both 100 % accurate. This account was approximately 6 months old at the time of suspension or closure. I am not sure which action was taken. For the past 9 months I have done what I was instructed to do by Chime bank employees : I faxed them a copy of my Driver 's License. a copy of my Social Security Card, Utility Bills, and an explanation of how I earned these funds. I have spoken to at least a dozen employees and none are helpful. They have no information for me. I learned my account was frozen when at the grocery store and attempted to use my debit card. It no longer worked. Chime never initiated communication with me, nor have they ever emailed or called me about this issue. It is almost like they are trying to just steal my money or are hoping that I will just forget about it or give up trying to have what is legally mine. Well, I am a single woman with no job and a small XXXX based business which has suffered greatly because of the pandemic. I am also in very poor health and need access to my {$4300.00} immediately as I am about to be XXXX since I can not pay my rent. I am demanding that Chime Bank or XXXX XXXX XXXX or whoever has my money to issue me a check for the full amount immediately. Thank You CFPB. Your help in this matter is greatly appreciated. Respectfully, XXXX XXXX
09/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 11355
Web
On XX/XX/2021, I checked my banking app for my Chime online banking account. I was shocked to see an unauthorized withdrawal for {$980.00}. Further examination of recent transactions showed 2 more unauthorized withdrawals 2 days earlier one for {$500.00} and again one for {$980.00}, totaling {$2400.00}. I had never received a text alert from these transactions, as my account settings usually inform me of any withdrawal. Additionally there was no further information such as location connected to the transactions. I immediately called customer support who instructed me to put a block on all transactions while I was issued a new ATM card. As I was still engaged with Chime customer service, I received an email informing that a new ATM withdrawal was DECLINED for the amount of {$500.00}, exactly matching the earlier unauthorized withdrawal. However this time the email included the location of the attempt. The location was in New York XXXX at a XXXX Bank. I have never been to a XXXX Bank and have been caring for a family member with XXXX in NEW JERSEY. I was assured by Chime the matter would be resolved and not to worry. Upon further personal investigation, I came across several articles regarding a large scale ATM scam being run in XXXX and involving XXXX Bank leading to several arrests. As of this writing, Chime has declined to refund the money stolen from my account TWICE. During these tough times, the money stolen from my account makes up a significant portion of my savings and I do not have the funds to hire a lawyer or the time to spend on the phone with Chime or solving an ATM crime ring on my own to prove I was wronged. It is unclear how they came to those decisions and difficult to get an actual person to explain them to me given the information I provided.
09/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • OH
  • 440XX
Web
Issue is with Chime Bank I had not used account for sometime and it was suspended. I decided I was going to use it again. In order to reinstate the account I had to provide them proof of ownership. No big deal, all good for security. Red Flag XXXX It was discovered when someone had changed my email address on the account. I had to go through enhanced procedures ( uploading ID, etc. ) to prove to Chime I was me. Again, all good - I jumped through hoops. Red Flag XXXX Upon getting access again to the account, I discovered there were XXXX fraudulent transactions on my account from a few months ago. They were small amounts, but concerning for security of the account. I requested for Chime to change my account numbers and/or give me a new account for safety and precaution - clearly someone had unauthorized access to my account and had changed my email and also worked with the account. Red Flag XXXX - new cards had been sent out to me and I never received these cards. Despite these issues, Chime refused to get me a new account. They told me I couldn't have multiple accounts ( this is not what I was asking for ). Additionally, I shouldn't be worried about the cards send since " they hadn't been activated ''. Based on this unacceptable response, I just decided to close the account for good and take my business elsewhere. Why I'm filing complaint - In that closing I was very clear multiple times to not send me the funds in the account since they were fraud and not mine. Chime has refused to interact and just today sent message they are cutting a check to me. I have chosen to escalate at this point because I don't want anything to do with the fraud funds regardless of the amount. If the funds are fraud they should not be under any implication to send me funds.
03/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • VA
  • 24541
Web Servicemember
On XXXX of XXXX, I got a call from Chime Financial at XXXX XXXX. They asked if I tried to use my card ending in XXXX at XXXX, and XXXX in Florida. I said NO. They proceeding to tell me they see someone else is logged in my account and that we need to change my log in and password to prevent anyone else from doing any more fraudulent transactions. So the chime representative proceeded to send me a text message for me to tell them the code that was sent to prove it was actually me. They also sent an email for me to click the link to proceed with changes. I was on the phone with who I thought was a chime representative for 45 min 17 seconds. Before the phone call ended the chime representative said to wait an hour before logging back in. That 1 statement is when I realized something was not right with that phone call. I immediately logged back into my account and saw that XXXX was transferred from my savings to checking and 2 transactions from XXXX XXXX XXXX were made. I immediately called chime back and put in the disputes for both transactions. I went to XXXX, VA police department got a report made. The police report number is XXXX. I sent chime a screenshot of the phone call that chime called me at XXXX XXXX, screenshot the text messages, and the email from who I thought was a chime representative. The disputes were DENIED today. I called chime back this morning and had the disputes re-opened. I have gone with NO money since this happened. They are supposed to ensure my money is protected. I am a XXXX veteran. I am so hurt and angry that money has not been returned. Im hoping the word gets put out about this SCAM so it does not happen to ANYONE else. Please help me get the word out and get my money returned. Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 482XX
Web
Yes I've been complaining and filing a dispute with chime banking against ring yearly plan, ever since XXXX of this year. I've contacted the chime dispute team multiple times on the phone and through emails about this dispute, in the past chime for the most part will honor any unauthorized transactions. but this particular transaction for {$39.00} they refused to believe that this is unauthorized transactions. they keep asking me to provide them information that I can't give them, because I have no dealings with this merchant! money was taken out of my account after midnight, without my permission I do not have a contract with ring yearly plan. there's still companies trying to take money out of my account after midnight and I've been asking Banks and other institutions to put blocks on these merchants. I'm also disputing with chime pertaining to {$100.00} that was taken out of my account from XXXXXXXX XXXX XXXX XXXX which happened XXXX XXXX XXXX XXXX. I need that money redeposit it back into my account that company is located in XXXX XXXX I contacted Chim immediately when I found out this happened but now they claim they don't see it nowhere in the system meaning whoever I spoke with didn't file my dispute against XXXX t gas station so this will probably be a later complaint that I will file if this money is not honored into my account but for right now I like for your assistance for trying to put the {$39.00} back into my account like I've been asking them to since XXXX of this year. XXXX t gas station, off of XXXX and XXXX XXXX. my contact number is XXXX, if anyone need to contact me. but, yes, I would like to file a complaint against chime banking for not honoring my request for this unauthorized transactions from ring yearly plan in the amount of {$39.00}.
10/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • WA
  • 991XX
Web
The chime Bank close my account without warning on the XXXX of XXXX right before my SSI XXXX XXXX got direct deposited into my account and I didn't know anything about it being closed until the XXXX right on that day and they said it's because of something to do with my direct deposit and now they are hanging on to my check instead of sending it back to SSI so they can send it to me so I can have my XXXX XXXX to pay my rent and my housing cost and now it's going to cause me to be kicked out of my apartment and be homeless cuz I don't have no money and I have no way of getting any money that's all I had to keep me going for the month and to pay my bills now they're trying to say it's going to take a month just for me to get my money through them and I thought it was illegal for them to keep the deposit that come into their Bank especially when it when it's closed bank account and they're supposed to be turning it automatically to the persons that send it to them which is SSI and not hold on to it and I told him I need my money right away so I can get my rent paid and all that and they said well sorry about other inconvenience this and that and they don't care now I'm going to be homeless and I don't know what to do about getting my money or getting money to pay my rent and and the stuff that I need for my for my place I can't even get any toilet paper then on anything else cuz of what they're doing to me and everybody is going through that that has SSI XXXX XXXXs or Social Security checks I strongly suggest don't go to this Bank especially when they close you out without any warning whatsoever and I hang on your money and makes it so you can't even pay your own rent at your bills that's not right to us people that are XXXX and very heavy money to start out with
01/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IN
  • 46804
Web
I returned merchandise from a skincare company called XXXX. They issued my refund on XXXX XXXX XXXX the funds were still not back in my Chime account. I called Chime on XX/XX/XXXX and spoke with XXXX different employees : XXXX representatives and XXXX supervisors. All XXXX said they had not received notification from XXXX that my refund was initiated. I told them I had email documentation proving XXXX did initiate it. I also said I had filed a dispute against the charges on XX/XX/XXXX and never heard anything about the status. Initially Chime said the dispute would be completed no later than XXXX (! ), which is a completely unacceptable length of time. Customer Service said they were still working on the dispute. XXXX representative - who is in Chime 's dispute department- told me Chime contacted XXXX on XX/XX/XXXX, which his supervisor- also in the dispute department- said is incorrect and she would pass that on to him as a training opportunity. I asked the dispute supervisor for the exact status of my dispute - not just whether it's done or note, but what day they contacted the merchant and what information they have gathered from the merchant so far - and she said she doesn't have any information because the investigation is done by a different department. She said all she could say is that that department is currently working on my dispute. I said, so there's a department that tells customers whether their disputes are being worked on or not, then there's another department that does the actual work? She said yes, and that department doesn't have a direct line of contact. On XX/XX/XXXX I received an email that said my dispute is now to be completed no later than XX/XX/XXXX (!! ). Unacceptable does not even begin to describe that new length of time.
06/13/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • PA
  • 195XX
Web
On XX/XX/2022 Chime closed my account stating that - " Provide sufficient original source of funds for transfers and explanation of the rapid removal of {$59000.00} over the last 2 months. '' This is regarding a personal account I have with Chime Bank 1. above you will see an email from Chime bank ( they do business through XXXX XXXX XXXX XXXX that they are investigating me in terms of why I have removed funds so rapidly from my account.. 2. This is the second time they have shut my account down. However, after the first time, I submitted information ( statements, etc ) showing that there is nothing illegal and they reinstated my account 3. This time after submitting all the info they have not reinstated my account- the answer is pretty simple. I took my {$59000.00} out ( XXXX because I got a bonus at XXXX XXXXXXXX XXXX and {$9500.00} to cover some expenses ) 4. I have called them on 4 or 5 different occasions and customer service states that they can not help me and I have to just respond to the emails... even after elevating the call to the supervisor in charge.. 5. I have asked for an update 4to 5 different times via their email addresses ( XXXX & XXXX ) however they will not answer me. So, I can't seem to get an answer as to what is going on... What's crazy is this rapid removal investigation. I'm certainly not doing anything illegal. How can a bank do this? What if I wanted to take out my money to buy a car or a house? I have about XXXX in this bank account still and would love to take it out but I'm locked out of everything. One of the craziest experiences I've ever had... I was wondering if I could get some help on this ... .I just want to sincerely thank you for helping me in the past and again, I am happy to pay you for your services. Thank you!
04/11/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 94558
Web
On XX/XX/23 I opened a savings account online with Chime Bank. It was my intention to transfer funds from my XXXX Bank checking account into The Chime account, since Chime paid a much higher interest rate on savings than XXXX. On XX/XX/23 I received a congratulatory email from Chime informing me that my account had successfully been opened and I was invited to link my new Chime account with my XXXX account in order to make online transfers. I subsequently did exactly that and transferred an amount of {$100.00} from XXXX account, to Chime, in order to complete the account verification process. My XXXX account reflected that the transfer had successfully taken place on XX/XX/23. On XX/XX/23 I was informed by Chime that my account had been closed, and for security reasons, they were unable to provide more information regarding the closure. I then sent an email to Chime demanding the {$100.00} transfer which had occurred prior to the closing of my Chime account be returned to my XXXX account, considering my Chime account had been closed due to no actions of my own. Chime demanded I forward to them photocopies of both sides of my drivers license, a photo of my US Passport, as well as copies of any type of correspondence sent to me from XXXX bank with my name and address clearly visible on the document. On XX/XX/23, all of the foregoing documentation was sent to Chime Bank, however, as of the date of this correspondence, they are refusing to credit the {$100.00} to my XXXX checking account. I am requesting the assistance of CFPB to assist me in compelling Chime Bank to release the {$100.00} they are retaining from my closed account, and please inform me of what actions can be taken to sanction Chime Bank for their highly fraudulent and unethical business practices.
04/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 341XX
Web
On XX/XX/2021 I was XXXX in XXXX XXXX fl and on XXXX XXXX my unemployment from FL Deo was deposited into my account. One deposit of {$2700.00} at XXXX & the other of {$5100.00} at XXXX. When I got XXXX all my belongings where in my car which got towed and someone got access to my phone and my Chime account. When I got Released on XXXX XXXX I no longer had my phone nor phone number and I tried to reach out to Chime but then they locked my account for almost 3 weeks. I was finally able to access my Account which was at a {$0.00} balance. I went to dispute all transactions from XXXX XXXX to XXXX XXXX because at the time I was XXXX and could not have made any of them transactions nor did I give anyone permission to access my Account. When I went to dispute the Transactions A Chime member said that someone already disputed them transactions back in XX/XX/2021. I told Chime that it was not me and that I wanted to start a new dispute but they wouldn't. They said I had to do a rebuttal. I tried disputing them transactions at least 3 to 4 times and sent all the documents Stating I was XXXX at the time but Chime will not help me at all and they keep saying that there was not an issue so I will Not receive any Refund. I have all the emails to & from Chime. I've tried getting my Unemployment money because I really needed that money and someone stole it from me. Yes I got XXXX but that doesn't mean It was OK with someone stealing my money. I have spent so many long hours on the phone with Chime and so many emails to them getting absolutely no where. I feel like they are discriminating against me because I got XXXX and I was XXXX. I would like this Issue to be taken care of and for Chime to do the Right thing and refund me my unemployment money that I waited so long for.
06/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • TX
  • 75035
Web
I was informed that an account was fraudulently opened with Chime Bank on XX/XX/2021, using my personal information, after receiving a card in the mail. I immediately contacted Chime Bank to report the identity theft and was advised they would 'escalate the case ' and I would get a call within 24 hours. I did not get a call. I called again to inquire about the status of the identity theft case, and I was advised 'the case was not set up properly '. I was again advised I would get a call within 24 hours. I never received any response. I then mailed a fraud packet to Chime Bank to formally report the identity theft again. This packet included a 609e letter ( a request for records ), a fraud affidavit issued by the Federal Trade Commission, my police report information, a copy of my government issued ID, proof of my Social Security Number and proof of my address. The fraud packet was delivered to their office by USPS Certified Mail on XX/XX/21. In my letter to Chime Bank, I requested the account be closed as fraud, or to have my SSN removed from the account so I am not liable for the account or balance. I also asked the appropriate reporting agencies to be notified of any correction to the account associated with my personal identifying information. Lastly, I requested a letter, or email, be sent to me outlining the results of this dispute at the completion of the investigation. Chime Bank still has not closed the account nor have they responded to any of my requests to date. I expect Chime Bank to address the identity theft issue and to close the account as fraud/identity theft. I would like my information flagged so it can not be used again in the future, and I would like a confirmation letter acknowledging the above requests be sent to me for my records.
02/12/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • CT
  • 061XX
Web
I opened a Chime bank account a few months ago because I was interested in their high yield savings account. I transferred a lot of money from two other personal bank accounts and at the end of XX/XX/2021, I had about $ XXXX in a Chime savings account. I am now in the process of closing on a home and I need to access my funds for the down payment. Chime does not offer external wire transfers or certified checks so in order to have this money available, I have to transfer it back out of the account to an alternate checking account. Chime has a limit of $ XXXX per day and $ XXXX per month that can be transferred. On XX/XX/XXXX, I transferred $ XXXX out of the account, on XX/XX/XXXX I transferred another $ XXXX out of the account and on XX/XX/XXXX I transferred the last $ XXXX out of the account to bring me to the monthly limit. I was planning to do another large transfer at the beginning of XXXX in order to have everything available for my XX/XX/XXXX closing date. I received an email from Chime on XX/XX/XXXX that they froze my account. I made numerous attempts to call them ( they claim their support team only operates via email ). So I sent an email. Every day this week they write back asking for another piece of documentation. All of which I have provided in a timely manner. It has been over 24 hours since they last responded and I have made it very clear how important it is to look at everything I have submitted to show all the transfers were legal and legitimate and they have not replied. I am starting to panic that my funds are going to be stolen. I also can't even access the account to provide statements for my mortgage lender to show proof I have the money. I am in desperate need of assistance as the bank has zero sense of urgency and is not helping me.
09/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 936XX
Web
Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$120.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 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. You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time. Thanks, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$13.00} Hello XXXX XXXX, This letter is to inform you we made a final determination regarding the claim referenced above. Our investigation concluded an error occurred. On XXXX, the merchant issued credit in the amount of {$13.00}. We consider this credit permanent, and we reversed any applicable fees. We apologize for any inconvenience this may have caused you, and thank you for being a valued Chime member. If you have any additional questions or need further assistance, feel free to contact us at any time. Sincerely, Chime XXXX XXXX XXXX amount {$410.00} date XXXX XXXX denied with any documents for their decision XXXX amount {$240.00} date XXXX XXXX denied with out documents of their decision
09/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 93314
Web
I have been trying to get my money back from chime bank for XXXX a month and a 1/2 probably period there was a guitar sold on a platform called XXXX XXXX XXXX XXXX account was under my ex 's name XXXX XXXX. He was trying to send me the money that he owed me for the guitar and had to sync to my bank account which he added to his XXXX account period chi 'm sent the money back to XXXX because the names didn't match period when I contacted XXXX for my money they said they didn't see it and that they sent it to chime I contacted chime they told me they sent it back to the distributor and now there's been a dispute about where the money is and I can't seem to find the money anywhere nobody will give me a resolution nobody will tell me what happened to the money period I have contacted I've contacted chime several times I opened a dispute they ended up closing the dispute a day later without even contacting me even though they said they tried to contact me I never got a phone call or anything. I called them I was on the phone for over an hour spoke to 5 or 6 representatives none of them can give me an answer they just kept transferring me over and Over. I've asked them several times to please give me a statement reflecting that they had the money sent to my account and then they sent it back to XXXX they will not give me a statement they won't give me any answers they said I can't dispute it because it was sent direct deposit by my employer which it's not my employer that sent me the money I have stated to them over and over what happened and they are sending me in circles and leaving me on hold transfer me to 1 person to another they won't get a supervisor on the phone I can't get any answers and my bank statement does not reflect that they sent the money to me.
01/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • IN
  • 460XX
Web
XX/XX/23 purchased groceries from XXXX for XXXX. XX/XX/23 XXXX was grocery total once picked up because they didn't have our creamer. Spoke with XXXX at XXXX on XX/XX/23 and she confirmed the XXXX was released back to our account on XX/XX/23. Chime took out the XXXX on XX/XX/23 eventhough the XXXX was already paid and released putting our account in the negative. Case XXXX XXXXXXXX through XXXX XXXX. Called them on XX/XX/23 and spoke with XXXX and she confirmed refund was processed as well. XX/XX/23 paid XXXX deposit to XXXX XXXX for hotel room. Spoke with XXXX at XXXX XXXX on XX/XX/23 and she confirmed the XXXX was voided and released back to our account on XX/XX/23. Spoke with 11 different reps at Chime on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 all confirming the money will be released in 3 to 5 days and nothing. Reps kept telling us not to worry and the funds will be back in the account as soon as the merchants release the funds, which was on XX/XX/23 and XX/XX/23 as previously mentioned. XX/XX/23 we closed both of our accounts. Spoke with XXXX XXXX through Chime 's support chat and closed my account and spoke with XXXX at Chime on the same day and closed my husband 's account. It was hard to understand names of the Chime reps because they all had strong foreign accents, but the names sounded like XXXX, XXXX, and XXXX. We were put on hold numerous times and they kept telling us the merchant has not released the funds. None of the reps or managers seemed to know what they were doing. We went to bed with a positive balance on XX/XX/23 and woke up to a huge negative balance because Chime took out the funds again after they were both released by the merchants and refused to refund the money and admit their mistakes.
12/21/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • IN
  • 46254
Web
I Am reaching out to whom this may concern, I experienced fraudulent activities on my bank account my bank is chime ( chime.com ). On XX/XX/2020 I received several calls from a number I wasnt familiar with. After 2 missed calls I started receiving notifications from my chime app and email it told me I had fraudulent activities on my account, it tells me its from XXXX, Florida which I do not reside there ( Red flag ) for me. I then get another call and I answer I hear hello this is chime calling about your account I see you have 2 fraudulent transactions on your card ... I felt awkward about the call so I ask if I could speak with a supervisor and another person came on call so I assumed it was the supervisor and proceed to answer the notifications he sent to my phone I honestly thought it was chime because the person was modifying my phone everytime he changed information on my account during this time the 2 fraudulent transactions made he took out a savings of XXXX from my savings account. Once he paid for the 2 fraudulent transactions the call hung up, I immediately panicked and called the number back I get the chime automatic services which confused me I was so mad because I thought someone from chime one of the agents just scammed me so I was going off as well as writing support to relay a scam just happened in the mist of the resolving my account they are now telling me I made the transactions after I submitted every document and I have every evidence. I mean this process has been stressful Ive havent gotten much sleep knowing a thief can just call my phone and take from me during the holidays and chime seem to not be concerned with whats really going on so I am trying to go further with feeling safer as well as making sure this doesnt happen again
05/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33024
Web
On the night of XX/XX/XXXX in the streets of XXXX, my friend and I we're walking on the way to a Volunteer after party at XXXX after volunteering in the XXXX convention for approximately 4 days. While on the way, 2 random gentlemen that I have no clue snatched my phone while walking to the venue, started threatening my friend and I by pointing at their pants, indicating they must've carried a weapon, and kept threatening us, while using my phone at the same time. In that timeframe, the person used XXXX to transfer themselves XXXX XXXX to their account as well as accessing my Chime account to transfer themselves another XXXX XXXX Never having dealt with such a situation, I immediately called the Chime dispute team to try and dispute the charge as the trying to remedy the situation. The person on the phone assured me that their investigated team would solve the situation in the timeframe of 10 days, and that in the meantime, I would be granted a temporary credit of XXXX dollars given that I've never had an issue with this banking system prior. No later than 24 hours, my dispute is closed and denied. I called back the dispute team immediately, only for them to reassure me that the investigation could not have concluded in that immediate matter of 24 hours, and that there errors, and the case would reopen. Since, my case has yet to reopen, and my avenues to try and contact the dispute team has only been met with automated messages, and I've yet to receive the " investigation '' documents that I was promised regarding my case. If chime just checked the other person 's account as shown in my supporting documents, as see their suspicious activities, it would be obvious that they obviously stole the indicated money as stated. Please help me resolve this issue.
02/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • XXXXX
Web Older American
We are unable to get any resolution from Chime Bank. We are concerned about identity theft and that we have been unable to get our stimulus checks issued in XXXX of last year. The IRS sent a letter in XXXX saying our checks were deposited in an account at Chime bank in our names. We have never had any relationship with Chime. The IRS will not send us our stimulus checks until they get the original checks back. Chime will not respond. Time line We received a notice from the IRS ( XX/XX/2021 ) saying our stimulus checks had been deposited in an account at XXXXChime Bank in Oklahoma. We are retired and living in Florida. We have never had any banking accounts in the state of Oklahoma. We contacted the IRS and they said the bank would probably return the checks if there was not an account and then they would send us our stimulus checks. My husband contacted XXXX bank who referred him to Chime Bank. Chime bank said the account number did not match theirs and checks were probably returned. The IRS will not send us our stimulus checks until the checks sent to Chime are returned. Continued efforts to communicate with Chime were fruitless and over several months I corresponded with more than XXXX individuals at the XXXX. Specific questions and information were requested. No actual contact was made available. Each individual that responded did not respond again when a reply was sent. Those contacted included Twice when requested I sent the ID information ( ID, Socials, picture, etc ). I got no response from first and later XXXX. Our complaint is with Chime and our inability to speak to whoever is responsible for identity theft and can determine whether checks in our name came to them and what is the information on the account number supplied by the IRS.
11/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NV
  • 89178
Web
On XX/XX/23, I woke up to go to work and tried to check my account online. I was not able to login so I reset my password. Once I was able to access my account I noticed I had 4 Atm withdrawals with four {$2.00} fees I did not authorize and my bank account was drained with - {$12.00} balance. The first withdrawal was made for {$500.00}. The 3 other charges were made for {$400.00}. I only made one withdrawal at XXXX for {$400.00} on XX/XX/23. I checked to see if my debit card was in my possession and it wasnt. I called Chime to dispute the charges. I was told from the representative that I could not dispute the charges if they are still pending. They would have to clear before I can file a dispute. The only thing he could do was cancel my debit card and issue me a new one. I checked the next day to see if the charges cleared and they did. I called Chime to file my claim. I was told I would have to wait 10-45 days for their investigation team to investigate my claim. On XX/XX/23 I got an email from them saying they have concluded their investigation and no error has occurred. I called them again and I asked if they could send me documentation on why my claim was denied. The representative told me she will send the information to this investigation team but it may take 10 days for a reply. She offered to file a rebuttal for my claim as well and I agreed. The next day XX/XX/23 I received an email for their final review and they determined no error has occurred. On XX/XX/23 I received an email for my request of documentation that was used to deny my claim. The email included only the information I provided them via phone call and the charges I disputed. Nothing else. They gave me insufficient evidence and no supporting documents on why my claim was denied.
07/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NV
  • 89015
Web
On XX/XX/23 I received my refund to my chime account... I went to use my card once and came back home to being logged out of my account I had an email from chime support telling me my account has been frozen and I needed to send in info confirming the deposits and myself. That afternoon I sent on the information as for by evening time my account has been closed right before closing the next moringi reached out through phone SD they verified over the phone that all the correct documentation had been submitted and they could see it I was given and id number and put through escalation I waited 24 hours and in that time frame I received several emails with the same link to upload the same documents that were already provided. I reached out again on XX/XX/23 for them to tell me my escalations a team member put in was canceled because it was not done correctly, which I has never been notified of. The team member put in another one and I was transferred to a supervisor where I was told my funds were still in my account and I just needed to send in the documentation that I had already sent in to reopen it... On XX/XX/23 I was given the runaround the whole entire day after calling three times I sent out an email and on XX/XX/23 I received another email asking for more documentation.. I responded to the email and reached out to the source whole told me to login to my account where the funds came from to verify and give them the documentation needed..as of XX/XX/23 my account is still closed and I haven't received an email back. Also it states you will be responded to within 4 hours and I wasn't receiving responses on even 24 hours I have to keep calling and still I am not provided any information. I read after 3 days the funds should be sent back to the sender.
04/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 76020
Web
On my Chime Credit Builder Card, I noticed fraudulent charges had been made the following morning. The fraudulent charges were : ( Dispute # XXXX ) Merchant : XXXX XXXXXXXX XXXX Amount : {$10.00} Date : XX/XX/22 Time : XXXX XXXX Merchant : XXXX XXXXXXXX XXXX XXXX Amount : {$50.00} Date : XX/XX/22 Time : XXXX XXXX Merchant : XXXX XXXX XXXX XXXX Amount : {$50.00} Date : XX/XX/22 Time : XXXX XXXX Merchant : XXXX XXXX XXXX XXXX Amount : {$400.00} Date : XX/XX/22 Time : XXXX XXXX I immediately called the company and they stated that it can take up to 90 days to investigate. I had a following hack happen on XX/XX/22 to my Chime Debit Checking Account and had to make additional disputes. ( I am making a different claim with CFPB for the Chime Debit Checking Account since it is a different type of card. ) This morning, I read an email from Chime stating that they will not be refunding my money for two of the total 8 transactions. ( The others are still under investigation. ) I was informed that I needed to send in additional documents to continue my dispute. So, I am making an official paper trail for all of my disputes with Chime. This dispute specifically is focused on the Chime Credit Builder Card, where they promote that you send your funds from your debit to then use the credit card and help build your credit score. Well, I did this and now my money was stolen and still pending refund. With my current experience with Chime, and now suffering from fraud on another one of their cards, I feel that they will ultimately string me along and not only leave my family without our hard earned money, but promote to hackers that there are no real consequences for fraudulently hacking into Chime to make unauthorized transactions and steal from their card holders.
10/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • PA
  • 151XX
Web
On XX/XX/2023 I went to the XXXX XXXX to load {$300.00} on my chime Bank account. On the morning of XX/XX/2023 chime closed my bank account due to suspicious activity and certain loads after going back in speaking with the store the employee put {$380.00} into the system to be loaded onto my card but I only received the XXXX I intended to load on XX/XX/2023 the employee that did the transaction informed his manager that he added an extra money onto the transaction which he thought he did but it really didnt happen but in following, the manager called the company that controls the loads and deposits and informed them that I was given extra money which I was not. I have sent emails to chime showing them that I only received the {$300.00} along with the receipt from the store. They have informed me that they will not be returning my remaining phones due to me not following the deposit agreement. Which is False due to the fact that the employee and merchant entered the wrong numbers into the transaction the manager called the company and informed them that I received extra money which I didnt when I sent chime the proof and a receipt of me loading my card with the {$300.00} at the store, they still deny me, saying, Im not eligible for my refund of my remaining funds this whole situation has occurred because the employee the store and the manager had a huge miscommunication between the between themselves and the company that they called I have provided Chime with the email address and phone number of the general manager so he would be able to explain to them that it was a mistake on the store, and the employee not me, but time has decided not to reach out to them, or even make an effort to actually look into this problem they only decide to keep my money
08/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • FL
  • 346XX
Web
On XX/XX/XXXX, an authorized party accessed my account with Chime ( XXXX ). The party disabled alerts and changed my email and phone number. After alerts were disabled, the unauthorized party transferred around XXXX out of my savings account into a checking and a secure credit card account. Both accounts were emptied via cash app transactions. My account was taken for over {$23000.00} in a few hours. I realized the issue the following day and reported it to my bank. They said they would file disputes for all charges and follow up by email. The disputes were filed but no communication from the bank. I have called multiple times a day for almost a week to try to get my account repaired and funds returned. This is a clear case of fraud. As requested, I have sent copies of the emails showing the unauthorized party entered my account around XXXX XXXX on XXXX. I have provided a fraud case number from XXXX XXXX. I do not have a XXXX XXXX account and did not authorize anyone to remove funds from my bank account. Today, I received a notification that all my disputes were closed and that I would receive {$600.00} back on 28 disputes. I filed over 600 disputes last week for over {$23000.00}. No one can tell me where the other 570+ disputes went or the almost {$23000.00} still missing went. They keep bouncing me between departments. Every agent 's answer is you need to member services or you need to speak with the dispute team. Don't even get me started on the online chat support. I went through 9 agents before someone got me to a supervisor. They had " technical issues '' and dumped me on another person. I used to love Chime but this is awful. I spend hours everyday trying to get them to help me and all their agent do is read scripts to me. Please help me!!!
08/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 91324
Web
I have been a Chime member for over three years. I have had nothing but a positive experience until XX/XX/XXXX, when my account was hacked, and money was stolen from me. I had previously heard of other members experiencing fraud through Chime, but I refused to accept it. On XX/XX/XXXX, I received a notification from Chime indicating that my app had been accessed from a new location, and a new device. Immediately following that notification, I received another one stating that a transfer in the amount of {$360.00} was made to XXXX. I tried logging into my app shortly after, in hopes of figuring out what had transpired, only to see that I had been completely logged out of my app, and the password was reset, preventing me from logging back in. After this unauthorized transaction and failure to log into the app, I contacted Chime by phone in hopes of having the matter resolved quickly. Instead, I was met with customer service agents who went through the motions of investigating my case. These agents submitted a dispute of the transaction, and in less than 24 hours provided an update indicating, 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. Despite providing several screenshots of proof that I did not authorize any payments to any person, and proof that my account was accessed from a different location and device, Chime customer service failed to help me. In all of the years that I have used Chime, I had only used the Pay Friends feature, to make transfers between my fathers account and myself, therefore it is impossible that I would have made any transfers to other individuals. I am still arguing with them in hopes that they will return my funds.
08/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • PA
  • 16101
Web
On XX/XX/2021 we contacted Chime.com concerning an account which was fraudulently opened in our name. While we attempted to contact them via the phone number on the card received, there was no way to resolve the issue over the phone since their whole system is automated messages. Ultimately we had to send an email to chime.com about the identity theft. Upon contacting Chime via email and explaining that we did NOT apply for a card/account and that it was identity fraud, the Chime representative insisted that we email a copy of our state ID/license along with the last 4 number of our social security number. Now mind you, email is NOT secure and we already informed them that it was a fraudulent account. Asking us to send such documentation via insecure email is not only terrible customer service, but a very high-risk method to send sensitive data. Given the fact someone had already opened an unauthorized account, we refused to provide the data they requested since they don't provide any secure means to do so. After several emails back and forth they finally stated they locked the credit card so that it could not be used. However right after that statement they said " If you have any additional questions or would like to formally close the account please respond to this email so we can assist you further ''. It seems impossible to get this company to acknowledge that the account was opened fraudulently. Currently the account is still there, but they locked the card. This makes no sense and it should not be this hard for a consumer to protect their credit. Chime has made it practically impossible to report credit card fraud where other banking intuitions have secure methods and are very prompt to assist when it comes to fraud and identity theft.
06/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10468
Web Servicemember
I requested for this financial institution to file a dispute on certain unauthorized transactions that were made on my account because my personal information was compromised electronically recently while I was using their services making those transactions possible which I informed them through email. I was expecting a provisional credit for those disputes during the investigation process because most banks follow this procedure when a client has this sort of problem. However, instead of Chime solving my problem they failed to conduct a complete and thorough investigation on this matter. They denied my disputes within two days which was against their company policy because I was informed by Chime themselves through email that the investigation process can take up to 45 calendar days due to the fact that the merchant has to respond to the disputed transactions as well. They also abruptly closed my account permanently without explanation. When I try to contact them over the phone I am quickly directed by their automated system to speak to them solely through email most likely because my phone number is flagged for negative reasons at this point. This company failed to follow the Electronic Funds Transfer Act ( EFTA ) which was passed by the U.S. Congress in 1978 and signed by President Jimmy Carter, to establish the rights and liabilities of consumers as well as the responsibilities of all participants in electronic funds transfer activities. The act was implemented in Federal Reserve Board Regulation E. The Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978 is intended to protect individual consumers engaging in electronic fund transfers ( EFTs ). The initial date that I attempted to file these disputes was on XX/XX/XXXX.
07/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 90011
Web
Im a member with Chime bank and have been a victim of fraudulent activity. On Friday XX/XX/2022 there were 2 ATM withdrawals from my account for {$400.00} and {$120.00}, I called the bank immediately and told me they werent able to do anything at the moment due to the transactions still pending which made no sense because the funds were stolen from my account! I asked how could this happen and one representative even said scammers are duplicating cards ( an issue they seem to be aware of ) I asked what have they been doing to prevent these situations and no one was able to give me a clear understanding of how they process this all I was told was to open my dispute for them to investigate after the transactions have settled. Comes Sunday XX/XX/2022 and I open a dispute as soon as the transactions settled, a few hours later I receive an email saying my case was closed because they saw no error and came to the conclusion that the transactions were authorized, so I give them a call to state I did not agree and that something needed to be done because I was at work when these transactions were made, I did not authorize them, and I had possession of my card the whole time so how was this possible? I told them I had proof of being at work in the clock while this happened and I even sent an email of my time card. According to the representative this case is being re-investigated but honestly I dont trust or believe that. The whole company should be under investigation there is no reason why my money was easily stolen from an account I believed would be safe and secure. This is really devastating and very frustrating I hope no one else goes through this and if you bank with Chime its best you just close your account. Clearly they arent a competent bank.
01/21/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Account opened as a result of fraud
  • MD
  • 208XX
Web
A fraudulent Chime account was opened in my name. On XX/XX/2022, I received an email from XXXX, Chime CEO welcoming me to Chime. On this same date, I received another email alerting me to a new login to my Chime account ( fraudulent ) from an XXXX device in XXXX XXXX, CA. On XX/XX/2022, I received an email from XXXX informing me that the email address associated with my Chime account had been updated to a different email. I contacted My ID Care on XX/XX/2022 to report this and was assigned to a Restoration Specialist. The Restoration Specialist was able to get someone on the phone at Chime. The Restoration Specialist shared he was able to get someone on the phone by sharing my personal information such as DOB and last four digits of my SSN. The Restoration Specialist and I spoke to the person at Chime on XX/XX/2022. She said she would elevate to their fraud department and provided me with a case number. She said I would hear from the Chime Fraud Department within 24 hours. I never heard from Chime in response to this complaint. On XX/XX/2022, I received a Chime XXXX XXXX card in the mail. On this same date, I sent an email to XXXX advising them that I received the debit card. I informed them that I did not open a Chime account and this was reported to Chime on XX/XX/2022. I requested confirmation that the Chime account was closed as well as the debit card. I asked if debit cards in my name were sent to other addresses. I also shared that I reported this to my local police. As of XX/XX/2022, I have received no response from Chime. I want confirmation that all accounts in my name have been closed as I did not open any account at Chime. I am very upset with the lack of communication from Chime on my complaint about the account and the debit card.
02/09/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30319
Web
I bank with Chime Bank and have a checking account and a credit building credit card with them. On XX/XX/2021 my account was hacked and my account information ( email and phone number ) was changed to an individual that was not me. I called Chime Bank to inform them of this. I sent multiple emails to get my information changed back to my own. They took over 24 hours to do so. Upon them taking their time to change my information back, 3 fraudulent transactions took place with my credit card, in the amount of {$500.00}. I called Chime bank the next day to let them know about the fraudulent transactions. They said I had to wait 2 business days in order to file the claim. Then on XX/XX/2021 I received notifications that my account information ( email and phone number ) has been changed again. The individual who was able to do this then transferred {$100.00} out of my bank account to another user. I called Chime Bank to let them know about the transactions and that my account information was changed again and that the transfers had occurred. They changed my account information back to my own and let me know that I had to wait till file the claim, once again. Then, on the same day, my account was accessed fraudulently 6 times again. The person responsible who change my account information as soon as I had it changed back. I reached out to Chime to ask how this would be possible, but they didn't give me any information other than to change my password ( which I had already done 5x ). I file a police report with XXXX police to let them know that this is happening. They negligently kept sending me the same card with the same card over and over, which none of the new cards I've received. This made it easier for someone to perform fraudulently.
07/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MN
  • 55044
Web
Timeline of Events : - On XX/XX/2022, I attempted to log into my Chime account but discovered that it had been closed without any prior notice. Upon inquiring with Chime 's customer support, I was informed that my account was closed due to inactivity. They subsequently reopened my account ; however, to my dismay, all of my funds had disappeared. - On XX/XX/2022, the entire balance in my Chime account, which amounted to {$1500.00}, was removed, and my account was closed. - On XX/XX/2022, I received an email from Chime, encouraging me to " Open the app and make a buck. '' Intrigued by this offer, I followed the instructions and earned {$1.00}. This shows that there was recent activity in my account, and it is unreasonable for Chime to claim inactivity as the reason for the closure. - In the months leading up to the account closure, there were numerous deposits made into my Chime account, indicating regular activity and usage. Attempts to Retrieve Missing Funds : I have diligently searched for my missing funds on reputable unclaimed property websites such as XXXX XXXX XXXXXXXX, MN Unclaimed Property ( findyourunclaimedproperty.com ), and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for potential unclaimed property in California. Unfortunately, my efforts have yielded no results, and the funds remain unaccounted for. Challenges with Chime Customer Support : My attempts to resolve this issue directly with Chime 's customer support have been incredibly frustrating. Each interaction with their support team has been isolated, with no access to the previous chat history. Consequently, I have been provided with generic responses and have not been able to follow up on any of their answers or receive any substantial assistance.
10/18/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77494
Web
Claim # XXXX Claim # XXXX On XX/XX/2023, I discovered an unauthorized charge for {$2700.00} at XXXX XXXX XXXX and Chime credit builder accounts. Immediately, I notified Chime about the unauthorized charge and emphasized that I did not make it. However, to my dismay, Chime has consistently rejected my claim without providing any evidence from the merchant involved. The magnitude of this situation can not be understated. My card number and personal information were stolen, leading to me becoming a victim of identity theft. This incident has profoundly impacted my life, causing financial turmoil and immense emotional distress. Despite my efforts, Chime has demonstrated negligence in handling this matter. I promptly reported an authorized transaction on XX/XX/2023, and I contacted Chime 's dispute department to inform them about it. Shockingly, even in XXXX, Chime allowed my card to be used for an unauthorized transaction of {$2600.00} and {$220.00} on XX/XX/2023, despite my explicit communication that it was not authorized, and my account did not have sufficient funds. The consequences of Chime 's refusal to address this issue have been severe. This situation has left me struggling to meet basic needs for myself and my children. I rely on Chime to protect me from fraudulent activity, and their failure to do so has caused significant disruptions in my daily life and financial stability. It is imperative that Chime takes immediate action to rectify this situation, provide the necessary documentation from the merchant, and compensate me for the financial damages I have endured. I deserve to feel safe and secure in my financial transactions, and I urge Chime to prioritize the well-being of their customers by resolving this matter swiftly.
07/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 95678
Web
I called chime about my chime credit builder card because a charge had been declined. It was to XXXX XXXX for XXXX a monthly charge that happens every month for the same amount, I opened a written request to customer service asking about the charge on XX/XX/XXXX and if it was from XXXX XXXX and why was it denied or tried to charge when it was just charged on the XXXX of XXXX. Chime closed my card without my consent. When I called in I was passed around by four different agents claiming to be supervisors, the floor supervisors lied saying two charges were declined, they put words in my mouth I never uttered or spoke. My account has been compromised. Is what one floor supervisor said. They recorded me without my consent in California it is a two party state where my permission is required to record me. The last of the four people ho all claimed to be dispute supervisors except one young lady. They wasted my time asking the same questions as the person before when they knew that they could do nothing I requested which was turn my card back on that I did not give them permission to cancel. Now I can not use my card until I receive their new card and they have my money held ransom as it is a secured card so I cant access my actual cash I deposited into the account. When I asked XXXX for his last name initial he refused, when I asked for an employee Id number he refused he claimed to be the disputes supervisor and told me no one was hire than him to escalate to, he denied me a supervisor to report his poor customer service. When I asked for compensation for time without my credit card or my money he just spoke over me and kept trying to put me back into the que for member services. I asked to be warm transferred to a supervisor and he refused.
06/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • SC
  • 29646
Web
I am a victim of identity theft from XXXX XXXX till XX/XX/XXXX XXXX XXXX unauthorized transactions was made on my account without authorization I have reach out to chime this theft was able to link there debit card number ending XXXX to my chime app without authorization the theft was able to hack into my chime app because they had stolen my phone that chime app connected to in was able to make 75 unauthorized transactions I have sent chime proof of debit card that was link to my account this theft was able to steal over XXXX out my account yes I have open multiple rebuttal because chime is not doing a good investigation I call chime to report someone has access to my debit card in they have link there debit card that is not in my name to my account without authorization in chime close my account on XXXX XXXX the credit that chime place in my account I never was able to use the funds yes they sent the {$45.00} dollars check but what able the rest of my money from 75 unauthorized transactions I have sent multiple documents chime did reopen my account back on XXXX XXXX I was trying to gain access to my account in notice the theft card was still link to my account I did not cases any fraudulent activity on my account I reported this issue to chime and they is doing nothing they close my account when I call in reported this issue thats not fair to close my account when I call in reported chime app hack in card information has been access without my authorization.I have provided the theft card information in bank information that was link to my account without my authorization in case my account to become close with chime in was able to steal my money in chime is refusing to do anything about it I was able to obtain theft documents from police
12/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WI
  • 537XX
Web
This company claiming to be a helper of people being hacked on XXXX had me dowoad an app and plug in called XXXX and said that hackers from Hawaii, XXXX, XXXX were all in my phone as this company proceed to look through all the apps in my phone Including my bank account and proceed to take {$490.00} through electronic funding to a XXXX email account on XX/XX/2023. Then the company called me on a XXXX area code number saying i can call them through herr but hung up on me after 6 minutes or so. I then noticed on XX/XX/2023 that all my money was gone excepr for XXXX cents and contacted Chime my bank to file a dispute. They said it will 10 to 45 days for a resolution by it should be finished by XX/XX/2023. So I called Chime on XX/XX/2023 and they said once again I will be credited on XX/XX/2023. So I waited til that next morning expecting my money back bit my claim was denied. Chime said I did not give enough info to be credited when I told them I don't have much proof other then my word. But they said get some proof and we will file a rebuttal for you. So I found this hacking company 's number which is ( XXXX ) XXXX trying to get my money back. I called like this number like 15 times and every single time with like 4 people answering me hung up on me. Then I filed like 7 rebuttals with Chime and each being denied after I gave them XX/XX/2023 phone records, the phone number, and asked them to call ( XXXX ) XXXX and to act XXXX they been hacked to see if I was telling the truth cause there is no paper trail and all I have is my word. I am a XXXX man on XXXX and can't afford to just lose {$490.00} to fraud as my bills are now falling behind because of this issue. I need help getting my money back. Please help me. XXXX XXXX XXXX ( XXXX ) XXXX
11/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • XXXXX
Web
My debit card was charged XXXX dollars. An immediate debit transfer to Chime bank. I did not authorize this. It posted to my bank as a debit. I immediately contacted chime support and was then locked out of the chime app. I have no way of accessing my money and have gotten the run around by chime. I have had a chime account for years, but have left it dormant not using my debit card from chime or using their services. My XXXX XXXX debit card has been on file with them ( chime ) but not used to transfer funds in almost XXXX years. Out of the blue I see my online statement at XXXX XXXX XXXX showing XXXX withdraw in pending! Transferred to chime as an immediate withdraw. After consulting with chime for hours trying to get to the bottom of why I was blatantly robbed by them .. they locked me out. I cant access these funds or didnt authorize this. Im going to make a police report as well as been in contact with my bank to do an investigation. Chime has asked me for documents and I completely complied to their request to later be given a run around. They asked me for a plethora of personal documents to prove my identity. I gave them all of them and then some! DL, bank statements, utility bills, SS card, Birth Certificate, XXXX months of my XXXX XXXX XXXX statement, screen shot of them taking a withdraw out of my bank. My residence lease contract proving my address along with phone bills, electricity bill, gas bill, internet provider. There is nothing else to give them other than a DNA sample!! This is complete fraud stealing my money then closing me down after theft. Ive been on the phone with XXXX different chime associates including manager, supervisor, etc. they all have the same answer. I cant help you let me transfer you game!!!!
09/02/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • DC
  • 20020
Web
Chime is the worst and their customer support is horrid. I have been a long time customer with Chime. I only had one incident where I reported a fraudulent transactions and was told the distance from the restaurant to my home is in close proximity, Chime denied my claim. Even though I had proof it wasn't me. This happened XXXX ago. Fast forward to what brought me here. Chime motto '' Banking made easy '' is false advertising. Talking to Chime customer support is like talking to a brick wall. My employer sent my payroll on check ( {$1300.00} ) to chime for direct deposit on XX/XX/23. On payday ( XXXX ) the money isn't in my chime account. I went through the app to speak with someone. This was a major headache and causing me so much Anxiety. I talked through Chime chat and spoken on the phone with several agents only to get the run around. I was told by several Chime reps that they can't see my direct deposit until it's posted. I then asked so where's my money and was told it's in processing. I then asked what stage in the process is my direct deposit? I was told by multiple Chime agents that they couldn't see the process only when it's posted. Again what is customer service for if they can't answer simple questions. Chime also said they release your money as soon as it's deposited. This is a lie and false advertising. Your direct deposit goes through a third party process before it's posted ito your account. Chime holds your money and release it when they want to. I was also told I have to wait XXXX pay cycles ( a month ) to get my money. Even though I have been with Chime for over 7 years. I will be closing this account. Please beware don't use chime is a rip off and they don't offer immediate release of your funds=false advertising.
01/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NC
  • 28105
Web
My Chime account was hacked and emptied completely. On XX/XX/2022, I received a notification from my Chime app that my {$990.00} transfer to XXXX was complete. I do not know this person, and did not authorize this transfer. They transferred around {$50.00} from my savings to my checking balance, and then completed the transfer of all of my funds to that e-mail address. I contacted Chime within 15 minutes of this unauthorized transfer ( hacking ), and was told a dispute was opened. Around a week later, Chime notified me that my dispute was denied and that I would be able to request documentation from the investigation. I did request the documentation, and submitted a rebuttal to the denial. They once again denied my dispute. The documentation provided to me ( attached ), does not address the fact that a hacker accessed my account. I use XXXX XXXX and the access to my account was through XXXX. I noticed in my e-mail that there was an unauthorized access to my XXXX account ( attached ), but my Chime password was not changed. My hope is that this XXXX XXXX and access from XXXX ( I use XXXX XXXX ) can help confirm that this was not me. I have called around 9 times and requested supervisors, but no one is able or willing to resolve this issue. I recently called and e-mailed XXXX Bank, who is the actual bank behind the Chime app. They have yet to respond. I will just keep calling and submitting rebuttals until they solve this, but if you could help, that would be great. My husband also had a large Chime account, and was very concerned that a fraudulent company was holding a majority of our cash. He was thankfully able to close his account and receive all of our money via check, however the process was handled extremely unprofessionally.
10/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 315XX
Web Servicemember
XXXX XXXX my Chime account was XXXX XXXX, {$200.00} from a XXXX XXXX. This individual was as able to get into my chime account and " HELP '' himself to my money! So I reached out to Chime and filed a dispute like they advised me to do so and within a couple of days, they put money back into my account. Then on XX/XX/2023, XXXX XXXX did it again for the same amount. So again, I notified Chime of the issue and filed a dispute and waited on my {$200.00} to hit. Well days went by and, nothing. So I called Chime and this is what they told me. We need more information from you and this came in a email to me. So I emailed back to Chime with no response from Chime on as to how this person gained access to my account?!?. Chime told me that they would reopen my dispute and have a different dispute representative look into my claim. I kept looking into my Chime account for the dispute to be reopened and surely they would put my money back into my account because he had done this before and Chime knows this isn't my doings. Days went by with no activity on my account as to a credit to the money missing so again, I called Chime and the same thing over and over. I even called XXXX XXXX and that was a JOKE to say the least. So I reached out to this person on XXXX XXXX, the person who XXXX XXXX himself off my Chime account and HE ADMITTED IT TO ME Over MESSENGER!! I immediately contacted Chime and even sent them screenshots of the conversation that I and this XXXX XXXX has over messenger. I got a unsatisfied response from Chime, they didn't find any wrong doings into this dispute and denied it over and over again. Now what? I have proof of his wrong doings and he is tried to do it even a third time. Now what, I'm out and he still has my {$400.00}!
06/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OR
  • 97203
Web
I initially opened a dispute XX/XX/23, because I had not received the sellers merchandise within the promised time frame and had no update on tracking. Upon receiving the merchandise I canceled the dispute on XX/XX/23 Once I reviewed the merchandise, the merchandise was damaged beyond use. I communicated back and forth with the seller and she advised me that she would be refunding me, but her system would not allow her to process the refund because I had already had a previous dispute with the bank and her system was not reflecting it closed so I advised I would reopen my dispute with the bank. When I called in to reopen the claim the rep was very short with me and not willing to take all of the information I was attempting to provide but was more so rushing me off the phone. I asked for the support email so I can send in proof of damages. I not only sent pictures of the damages to the seller, but I also sent videos and pictures of the damage to chime support. This merchandise is completely unsalvageable, and it was purchased in bulk supply from a vendor in order to resell. None of it can be resold. Not only are the items that I received damaged but I did not even receive the correct amount of items that I was supposed to. I also did not receive all of these styles and I did not receive the correct sizes. I explained this to the rep and also provided screenshots of the conversation with me and the seller where the seller agreed. I contacted chime support XX/XX/23 asking for an update on my dispute they replied saying they were still working on the dispute and less than two hours later sent a denial email. There is no way possible anyone that handled this case with care and reviewed the information I provided could conclude a denial!
09/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 27360
Web Servicemember
I am currently situated in a XXXX XXXX and prior to entering the facility my cell phone was given to my mother because she actually bought the phone just a few days before. My sister entered my mothers house and stole my phone containing all of my personal account information. I had left my wife all of my information for most of my other accounts so she could handle all of the finances etc I could not remember the login to my Chime account and the only way to change the password was to have possession of the phone my mother took back from me, the same XXXX my sister stole. My wife had physical possession of my debit card for my chime account but she could not access my account. My wife informed me that my sister had stolen XXXXXXXX XXXX out of my chime account. Once my wife learned my sister had taken money from my account she began moving my money onto her own personal XXXX XXXX to prevent my sister from taking even more until I was able to contact chime to get my account more secure. I eventually was able to use a phone to contact chime ( again ) and have my account reset so my wife could have access to it. My wife updated the password and phone number associated with the account and cut the old card off and had a new one sent out. I had filed a dispute with chime and was told my wife needed to press charges or file a police report ( since I am in a XXXX XXXX ) before they could issue the money back to the card. My wife went the next day and filed a police report and sent it to chimes support team via email. They denied the dispute and would not return the money. I called again today to speak with someone and give information about my account and they still denied the dispute and will not return the money that was taken from me.
06/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IN
  • 46304
Web
On the morning of XX/XX/2021 a number of unauthorized purchases were made from my Chime Credit Builder credit card. There were three pending charges for {$660.00}, {$330.00}, and another for {$660.00}. Another charge for {$620.00} did not process due to lack of funds. All of these charges were for businesses in XXXX. The pending charge for {$330.00} would eventually not end up posting ; however, the two {$660.00} charges did post. Upon waking up, I immediately contacted Chime to cancel the pending transactions. Chime informed me that they could not stop the transactions until they posted and advised me to file a dispute. I did so immediately - filling out a paper form and answering questions sent to me via the Chime app. The dispute was officially opened on XX/XX/2021 by Chime. I am not aware as to why there was a delay. On XX/XX/2021 they closed the dispute. The email was poorly worded, so I mistakenly assumed that they meant I would be refunded my money on XX/XX/2021. On XX/XX/2021 I still had not received my money. I called Chime and they advised me that they had declined my dispute but would not give me additional information as to why. I was advised that I could only reopen the dispute if I had new information - I have already provided them with all of the information that I have and since they havent advised me as to why it was declined, I can not give them new details. The Chime Dispute team has advised me that only their Dispute Information Team can give me additional information ; however, they can not be reached by phone or email. At this point, Im stuck in a loop where they wont let me reopen the dispute without new information but they wont tell me the original information that led to the denial of the dispute.
08/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with convenience check
  • MO
  • 631XX
Web
On XX/XX/2022 I transferred {$100.00} from my chime checking account into my chime credit builder account. I then placed an online order with XXXX 's XXXX XXXX in the total of {$73.00}. The attendant couldn't access the cage that had my item. So on Monday XX/XX/2022 I returned to XXXX XXXX XXXX XXXX and the manager cancelled the online authorization on my card. But chime had closed my accounts upon speaking to the first representative and supervisor. I was told I'd have the funds sent to me in the form of a check. I waited a few weeks and was told by another supervisor that I'd receive the check by XX/XX/2022. I never received the check so I called chime customer service again. I spoke to another supervisor who told me he couldn't provide the tracking number and that he was emailing the department that could. He told me I'd receive an email within 2 hours of the call. I placed that call at XXXX and never received an email. So I called again Saturday and was told I should've gotten the check by the XXXX of XXXX. That supervisor told me he was going to have chime support contact me which I was never contacted. I then called again Monday morning which I also recorded the conversation with the supervisor Monday. She informed me the check hasn't even been printed. She also told me to contact chime support via email because they don't accept phone calls in that department. I emailed them and received a confirmation email. The confirmation email stated I'd be contacted about the situation within 2 hours. I never received any contact from chime. So I called again this morning and was told again the check wasn't processed and that a supervisor wasn't available. I contacted an attorney who advised me to file this complaint this afternoon.
09/18/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 75061
Web
On XX/XX/20 my card was lost and my bank contact me due to suspicious activity. I at that time open up my app and found that there was charges that had been made fraudulent. I contact the bank immediately and the representative at that time cancelled the card. I was told to contact customer support the next business day to open up a claim. As of XX/XX/20 I contact the bank and was forwarded documents to send back to file the claim. I submitted the documents back the same day with the events of what happened the day the card was lost. I was told that it would take 10 days to determine if there would be a temporary credit for the funds that was taken fraudulently. After the 10 days I received and email that no error was found. I immediately called Chime Bank and request to speak with a supervisor due to I did not disagree with the outcome. I was told at that time that it would take 10 days to get the results of the investigation. I received the results on XX/XX/20 and was told I would not be refunded my funds due to the location of the disputed transaction is just 20 minutes away from the cardholder 's location. I have been victimized by the criminal whom stole my funds and now victimized by the bank that I have trusted to protect my funds. There was a total of {$430.00} that was stolen from my account and basically I have been accused of a criminal activity by my bank and I am the victim. While speaking with the supervisor due to there was five different transactions, I asked for the address or phone numbers for the merchants and was told that is not information that they have yet he asked me had I spoke with the merchant. I have since filed a police report and now have to do my own investigation of what the bank should have done!
09/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • CA
  • 90006
Web
This complaint is regarding the online bank " Chime '' In XXXX 2023, I received an email from Chime saying my debit card was on the way. I didn't pay much attention because I figured it was a scam, since I did not open any account with them. However, on XX/XX/XXXX, I did receive a debit card, with all the documents regarding my brand new bank account ( account and routing number ). I immediately contacted their support to let know that someone fraudulently opened an account using my information. I got concerned because opening a bank requires providing your SSN and confirm your identity. Upon contacting support, they informed me that they'll close my account, and as I was inquiring about the account ( transaction history, date if was requested etc, emailed or phone provided in the application, IP address etc ), I was told I'd get an email to follow up there. Within minutes, I received said email, and was instructed to provide a copy of an identity theft claim and provide the last XXXX of my social, which I did. To this day, I've exchanged a dozen of emails begging for the information I seek, and I'm given the round around by different representatives who keep asking me the same questions over and over again. According to the Fair Credit Reporting Act, I'm entitled to a copy of all the information they have on the fraudulent account, which they blatantly fail to do. Therefor they're not compliant and should be investigated. Also, to gage the fraud detection systems they have in place, I created an account with bogus information, and passed all the steps until the congratulation message for a newly created account. Meaning they have XXXX fraud prevention measures, which again puts them out of compliance. Customers, beware!
09/29/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NJ
  • 082XX
Web Servicemember
On XX/XX/XXXX I had received my check of the month for child support of {$1200.00}. I went to check my account like I usually do to make sure the funds were available. When I go to sign onto the app it tells me Yikes! Your account has been Closed if you think this is a mistake please contact member services at XXXX. So Ive contacted them via Email asking them why my account was closed and that I need that money because its for my children. The response I had received back was Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference section 9 ( Account Suspensions and Closures ) of the Chime Deposit Account Agreement. I would like to share with you that any deposit received on a closed account ( in your case after XX/XX/XXXX ) will automatically be returned to the sender, you can go ahead and contact your payor to arrange another form of payment for your funds. Ive contacted them multiple times asking when my check would come in and they then told me I'm sorry to hear about the closure of your account. Chime has determined that your account is not in compliance with its internal policies and the member agreement executed at enrollment. Unfortunately, we can't send any closure check because you have a negative balance for some disputes denied. One more time, I'm terribly sorry for any inconvenience caused. Please reach back and let me know if I can assist you with anything else. This was a huge mistake because I had saved {$15000.00} in this account and now all of my money is taken and Im being lied to and it has put me in a financial hardship. I didnt know what to do anymore so this is my last resort. Thank you for your time.
09/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33619
Web Servicemember
On XX/XX/XXXX, I was charged for a subscription related to an app called " XXXX XXXX '' on XXXX. Regrettably, I forgot to cancel this subscription in time. Upon noticing the charge, I initially attempted to request a refund through XXXX, but XXXX informed me that it was not eligible for a refund. Subsequently, I left a review on the app, and the app developer reached out to me, offering guidance on how to secure a refund by following specific steps, including providing visual instructions. However, I couldn't proceed with these steps as I had already initiated the refund request through XXXX. I attempted to follow their instructions again, but my refund request was still denied. Frustrated by the situation and given the app developer 's assurance that they would process the refund through XXXX, I contacted XXXX 's support agent to dispute the charge. Unfortunately, the agent informed me that a dispute was not possible I then decided to contact chime to dispute the transaction. The agent was rude, please, be on an unnecessary hold us in the first two minutes of being on the phone with me didnt understand what I was saying, kept repeating himself, even though I was asking a different question, and was generally very condescending. He ended up hanging up in my face. In an effort to understand Chimes terms and conditions regarding refunds or their dispute processes, I requested clarification or documentation outlining these procedures. The agent abruptly ended the call, which left me frustrated and feeling that my concerns were not properly addressed. I have attached a screenshot of the phone call for reference, which took up approximately 20 minutes of my time. The number I called from was XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 32811
Web
On XXXXXXXX there was an incident that happened with my debit card where someone was able to comprise my card information and make numerous of transactions at two different XXXXXXXX XXXX XXXXXXXX. The amount of unauthorized money they used was {$760.00}. The person committed to doing 9. Transactions which were 1. {$10.00} 2. XXXX 2. {$100.00} 3. {$100.00} 4. {$100.00} 5. {$100.00} 6. {$99.00} 7. {$59.00} 8. {$100.00} 9. {$100.00}. Ive tried to dispute these charges literally over 6 times and chime kept declining it saying that no error occurred. I would literally talk to a dispute supervisor and they told me if I were able to provide all of the evidence from the officer which were the police reports I shouldve been able to receive my money back. I have yet to this day received my money and this is ridiculous Ive gathered all of the information I could and even the officer working on my case filed for video footage at the gas station but chime keep on insisting nothing happened when all the evidence is provided that proves my case of not doing these transactions. Also, chime didnt notify me when the transaction kept having the same amount of money getting taken out they didnt flag anything and on top of that my card was locked and I was at work. So, how would I be able to make those transactions and I have my card on me. When I spoken to a supervisor at XXXX she stated that a lot of people have been committing fraud and taking peoples card information and placing them on blank cards allowing our cards to run through as credit even if we have access to our cards. I dont know how they did it but all I know is that this is a fraudulent situation and chime didnt take the proper precautions to allowing me to receive my money back.
10/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 90302
Web Servicemember
On XX/XX/XXXXXXXX While I was out of the country in XXXX I got notification that transactions were made totaling XXXX at a XX/XX/XXXX gas station in XXXX Ca. I immediately called Chime and they canceled my card and requested to send a new card to me leaving me without a card to use in XXXX which was fine because I did not want any more fraudulent activity to go on. I even called the XX/XX/XXXX however up until now I still havent gotten a response from them after leaving voicemail messages. Chime advised me since the transactions were still pending I could not dispute the transactions until they were cleared. When I arrived home Saturday XX/XX/XXXX and seen that the transactions cleared I disputed the charges in the app. Early Sunday morning I received an email that my claim was denied and no error occurred however I had my physical card with me in XXXX and could not have possibly made the transactions at a gas station in XXXX. Ive submitted my boarding passes showing I was out of the country plus a picture of my physical card that was in my possession as well as screenshots of my call history to chime and XX/XX/XXXX. They have denied my dispute 4 times when I can prove it was not me who made these transactions. Yet they will not send any supporting information as to why they are denying my claim. I even made a transaction while in XXXX using my physical card and all of the agents I spoke with verified that they saw the transactions in XXXX. There is absolutely no way I shouldnt get my money back. They are not doing their job with investigations. XXXX is not money I can take lightly. I am a single mother on XXXX from work. I can not afford someone to take money not to mention they over drafted my about by XXXX. Please help!
09/11/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • NC
  • 28054
Web
On XX/XX/XXXX, Chime/XXXX sent me an email stating that my accounts were not in compliance with their user agreement and subsequently closed them and told me my balance was not eligible for a refund. They did not specify what account activity was out of compliance with their user agreement. They asked me to send verification of recent activity on my account, among other identifying documents, which I sent to clarify to them a recent deposit that was made, which came from the XXXX Treasury by way of a XXXX tax refund check. My tax return clearly reflects the amount expected from the refund, as well as the account activity showing the deposit coming from the XXXX XXXX XXXX I sent them over various personal and private financial documents, only for them to tell me the information I provided was not sufficient to account for the activity nor retrieve the balance on my accounts. They requested XXXX and XXXX tax returns, a photo of me holding my own identification card, proof of current addres, a paystub from the job located in the state I worked in for which I filed taxes, as well as any other information that would " help my case ''. After receiving generic responses via email, I called and was told that the email instructions were incorrect, and that I should be in fact sending my verification documents to " XXXX '', which I did, and in which all the emails bounce back to me undelivered. After two days of this, I have just gotten off the phone with a customer service representative of theirs, who tells me he has no further information to help me with regarding this perplexing matter. All these emails were sent between my personal email account XXXX, Chime 's customer service email accounts XXXX and XXXX, as well as XXXX.
05/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • SD
  • 57106
Web
On XX/XX/2023 recieved an email stating my account had been closed and that any remaining funds in my account would be mailed with in 30 days. On XX/XX/XXXX Called bank because merchant had refunded transactions that were made using this account so they had to refund to where funds originally came from so I wanted to confirm the would be mailing me a check for those refunds I provided date XX/XX/XXXX was when refund took place the amount and transaction ID numbers for the refunds I was told that I would receive an email telling me when they mailed me the check. I waited recieved nothing for communication so XX/XX/XXXX I called again to find out what was taking place as when they mailed check for refunds that were recieved to closed account I was again told I would recieve an email with date it was mailed and the exact amount all I recieved is a email same as originally that was sent when they first closed account stating they closed account funds if any remaining would be mailed within 30 days how ever when I spoke the first time about the refunds I was to that the refunded transactions would be mailed soon as the refund processed which I thought was instant but they said could be the next day I made sure to clarify that I was not going to be waiting the 30 days like u was for the remaining funds in my account they confirmed this so after trying to get direct answers and clear definitive answers as to what was taking place with the refunded transactions and no one being able to answer and just getting a complete run around I feel my only option is to seek help from another source as nothing is being resolved with them and the as they conduct buisness seems very evasive and vague and circular with no resolution in sight
11/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MA
  • 020XX
Web
I placed an order with XXXX XXXX in XX/XX/XXXX. My package was supposed to be delivered on Thursday XX/XX/XXXX but apparently it was delivered on Wednesday XX/XX/XXXX. The carrier ( XXXX ) stated they left the package at my front door which was inaccurate as I was home all day and never saw the package. I reached out to carrier and the merchant. After merchant saying they cant do anything because carrier said it was delivered. I opened a dispute with Chime Bank on XX/XX/XXXX. I provided information that shows my receipt, conversation with merchant and carrier. The carrier told me to work it out with the merchant. The merchant said they can no longer help as I opened a dispute with Chime. Almost every week, I reached out to Chime about the status of my dispute and they were saying it will be done by XX/XX/XXXX. Today on XXXX of XXXX almost a month Chime denies my dispute for {$150.00} and said there was no error. I stated I never received the package and provided documentation that I made this purchase. Chime has not provided me a valid reason as to why my dispute was denied. All they said is I can file a rebuttal by providing new information and they will send documentation in XXXX business days as to why my dispute was denied. I filed the rebuttal and provided them with the same information only for them to deny it again by saying I did not provide new information. I informed Chime that I been waiting for a month for a decision. The merchant is not going to help me since I opened a dispute and it has been 30 days since I made the purchase. I would like for chime to refund me my funds as I do not think it is right that they took a month to investigate like they came to my door or something and then deny me my money.
05/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 94043
Web Servicemember
I contacted Chime twice about a XXXX XXXX card that was fraudulently opened using my email address, my name and possibly my XXXX. I called their customer service number and selected the fraud option. I explained that I believed my email and information was used to fraudulently used to open a Chime debit account. It was sent to my son 's address in another state, since I had co-signed for his college apartment. I explained that I found out about it because I received an email stating that the card was on the way. The representative went in, found the account and told me that he changed the email address. to something else. I asked for more information on the account as it was fraud and they said that they just removed my email from the account and that was it. I asked to be transferred to someone in the fraud department because I wanted to know what they were going to do and to have them provide me more details. I did get a reference # and the person told me I would get an email. I persisted and they said I was being transferred. Nope, right back to account management. I then got an email stating that my account 's email address was changed to something else that was similiar by different than my real email address. Later that day, the XXXX debit card arrived. I called back and asked to speak to a supervisor because the incident did not get taken care of and I was not confident unless I spoke to a supervisor. For 20 minutes the representative kept asking to help and saying all supervisors were busy. I mentioned I would wait but after 20 minutes, the representative terminated the call saying I was unwilling to work with them or something like that. Chime is not interested in dealing with reported issues of fraud.
05/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OR
  • 972XX
Web
On Thursday XX/XX/XXXX I woke up to an email from chime telling me my email was changed and a text from them telling me my phone number was changed. I immediately called them to try and resolve and let them know that it was not me making these changes but they seem to have a hard time verifying who I was and filing disputes because I was unable to get into my account and verify any of the last 5 transactions that were made on the account. I called them 5 to 6 times that day trying to verify my account and trying to get them to put a hold on my account. I was finally told that there were several transactions made to paysend XXXX, XXXX, and so on. There were unauthorized transfers to my credit builder on XX/XX/XXXX that was about XXXX where the hacker bought several things at the apple store for {$500.00}, {$500.00}, {$2000.00}, {$4000.00}, and {$500.00}, I know this because able to reaccess my account on sunday XX/XX/XXXX for one day only after verifying myself with a picture and ID and took screenshots. As well as made dispute claims with chime. One for my credit builder account amounting in XXXX and one for my debit card/checking account amounting in XXXX On XX/XX/XXXX I was hacked again and still had a hard time verifying myself and the rest of what was left of my funds I believe. I had a hard time getting chime to suspend my account again that day and do not want to reactivate the account until I'm sure the hacker will not be about to get back into it. I got around {$10000.00} stolen from my account. I'm a single mother and this shouldnt have happened. I continue to get emails from chime saying that my disputes dont seem suspicious. As well as emails from them calling me by a name that shouldnt be on my account.
02/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IA
  • 50613
Web
On the morning of XX/XX/XXXX, I awoke to see 4 pay anyone transfers totaling XXXX dollars. I was immediately concerned because I have never used this pay anyone feature and didn't recognize the transaction or to whom the money was sent. I contacted Chime that day, spending an hour on the phone, only to have them hang up the call. I called back again, spending another hour on the phone, and was told they understood my account had been compromised someone had gained access and committed fraudulent pay-anyone transfers. They had me cancel my cards and change my account password to secure my account. I was told the fraudulently stolen funds would be refunded in 3-5 days. After seven days of waiting, I called back on the XXXX for another hour. Another supervisor told me he would look into the case, contact the departments involved to get a resolution, and then email me. I never received any email from that supervisor called again on the XXXX for another hour to inquire why no one reached out to me and was told by that agent that the missing funds were pending to go back into my account and would arrive on the XXXX. I did not receive the funds ; I called again for an hour and was told the agent realized there were errors with previous agents and that she would open an investigation. I received an email from Chime on the XXXX stating they opened a dispute for me. Today the dispute was denied. This is insane, considering this is blatant fraud. I had never used the pay anyone transfer since I opened my account and notified them immediately. This is highly frustrating considering how much time I've had to spend on the phone when I'm the victim and it's sad to see how customers affected by fraud are treated by this company.
01/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NY
  • 146XX
Web
On XX/XX/XXXX I noticed that there was some fraudulent charges on my account from a company called XXXX. I reached out to chime and made them aware of the transactions. Chime in for me that provisional credit shall be placed on my account in 10 business days after the investigation has been made. The amount in question it was significantly a lot lower in all the transactions that I calculated which I did bring to their attention and they informed me that I have a provisionary credit will be placed on the account in the amount of 10 days. After review the 10th day was in fact on XXXX XX/XX/XXXX I called chime on XXXX XX/XX/XXXX, to find out why my provisionary credit was not on the account I was told that more time is needed to look into the matter I responded and said youre breaking federal law the timeframe allocated is 10 business days you can take more time to investigate but my money should be placed on my account in 10 days, not 11 not 12 10 days. Not because you guys need more time, federal law allocate the time and Chime is breaking federal law. I asked to be transferred to a supervisor whos name was XXXX I requested to have a complaint and I ticket a number from the files which he assured me that he did that. the number he gave me was XXXX and that call took place this morning between the hours of XXXX XXXX XXXX XXXX XXXX eastern standard time. I informed XXXX that chime is breaking federal law in the timeframe allocated for provisionary credits. I told him that I would expect my money to be on my account at the end of the day and I will be filing a formal complaint which Im currently doing now. This company should be stopped and they should not be using peoples money anyway that he chooses to use it.
09/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KS
  • 66062
Web
This company has been the WORST EVER TO DEAL WITH.I had transactions from MONTHS AGO that I wasnt allowed to dispute on my Credit Builder Account because for some reason Chime wouldnt allow me to.so I reported them on here as well as the CFPB for their fraudulent and suspicious dealings. I have been missing for a long time my money, which totals up to {$1700.00} in unauthorized transactions on the Credit Builder account and It is UNACCEPTABLE!!!! I disputed because I got a message from Chime on here that I could FINALLY dispute these fraudulent transactions and guess what? Just like everyone else on here they denied it in less than 24 hoursI asked for the documentation supporting why they denied and they never provided nor did any of the documentation support their actions of denying my claim.!!!! I have had SO much trouble with this company and their lack of security to which if you look at all these complaints, most are about Chime not giving us our money back.its sad a company will really try and scam people out of their hard earned money when it is stolen from them. I am DEMANDING my {$1700.00} back IMMEDIATELY IN THE FORM OF A CHEXK EXPEDITED TO MY ADDRESS ON FILE OR YOU WILL BE SUED FOR FRAUD AND DAMAGES.!!!! This is not a game.! I want my money back IMMEDIATELY.! Send my funds expedited.! Hold up what you said you would or face the consequences up to the full extent of the law they will permit. I am listing the fraudulent transactions below : XX/XX/2021 - XXXX XXXX XXXX - {$600.00} XX/XX/2021 - XXXX XXXX - {$270.00} XX/XX/2021 - XXXX XXXX XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - {$68.00} XX/XX/2021 - XXXX XXXX XXXX - {$520.00} XXXX XXXX XXXX {$100.00} XX/XX/2021 - XXXX XXXX - {$88.00}
06/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Problem using the card to withdraw money from an ATM
  • NM
  • 87110
Web
XX/XX/22 at XXXX am at the XXXX on XXXX XXXX XXXX XXXX XXXX, New Mexico, I gave this store {$400.00} cash to load onto my Chime Debit card!! I was loading this money in an attempt to rent a vehicle, however upon discovering that none of the local vehicle rental agencies took any kind of prepaid cards at all whatsoever my need for this card and its services for continuing to have my money on this card, was no longer!! When I went to retrieve my monet from first an atm at XXXX XXXX XXXX XXXX it was declined!! Than I attended to take XXXX from an atm at XXXX across the street still declined!! Than I thougXXXX ] ht surely I can make a purchase for 5 and get {$20.00} cash back this too was declined!! I than called Chimes customer service hotline, where the gentleman kept insisting everything was fine and asking me to reattempt to take the cash from the atm, to still no avail!! After about at least half an hour or more of this, the gentleman finally admitted that there companies entire system was being overhauled and the only way I would be able to retrieve my money would be to contact there support team!! Which he had said he did that Saturday evening as did i once again to no resolution in any way and actually no response whatsoever!! So I figured surely by Monday this support team of Chimes, that is supposed to give me my money back would be in the office since it's the work week now, however several more attempts with their customer service, more atm and purchase attempts all declined!! And I was told by 2 different people that there support team would be getting back to me by before the end of the work day and still nothing!! Please help me this company is clearly stealing people 's money every chance they get!!
09/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • IA
  • 503XX
Web
On XX/XX/2023 I called Chime Bank where my Checking account is and I asked them if they could get in my checking account and send XXXX, XXXX a XXXX dollars Down Payment for a vehicle that I was approved for they told me YES and they went to my checking account and deducted the XXXX dollars and Electronically sent it to XXXX, XXXX so I thought my delivery of my NEW VEHICLE was supposed to be on XX/XX/2023 on XX/XX/2023 I received a phone call from XXXX, XXXX telling me that they were not going to deliver my vehicle on XX/XX/2023 when I asked why not they told me that they have not received my XXXX dollars DOWN PAYMENT yet so they told me that they have to reschedule the delivery for the next week XXXX, XXXX then scheduled the delivery to XX/XX/2023 on XX/XX/2023 the day of the delivery I never heard anything from XXXX, XXXX whatsoever so that's when I called them and I asked them why haven't I heard anything from you about my delivery for today that's when they told me once again we still have not received your XXXX down payment so I called CHIME for the XXXX time and told them what XXXX, XXXX was saying, CHIME kept lieing to me telling me that they sent the XXXX DOWN PAYMENT to XXXX, XXXX finally I asked CHIME can you please send me proof of the check you sent to XXXX, XXXX when they sent the check image EVERYTHING on this check was wrong they had XXXX, XXXX wrong address on this check they had my information wrong they said I live in XXXX XXXX XXXX, UTAH when my CHIME PROFILE shows my correct information. They still HAVE NOT GAVE ME back my XXXX dollars they stole from me even as of Today 's date I'm asking you for your help to get my XXXX dollars back as well as DAMAGES for all the Stress they put me under,
06/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NY
  • 142XX
Web
Sometime in XXXX I had applied to XXXX XXXX XXXX XXXX XXXXXXXX XXXX assistance program because I was unexpectedly put out of work. I selected to deposit the assistance funds into my chime bank XXXX because I liked the simplicity and technology-inclination this bank appeared to have. On one of the days I get this weekly payment deposit, chime randomly closes my account. I tried getting information back then on the matter and trying to get my money back, but their system is ran by bots which are very annoying, so I procrastinated dealing with this. I messaged chime a couple times about the matter every couple of months, but they always had the same bland response by bots. At this stage, few days ago, I threaten legal action, and chime finally responds with an actual support person. And their support are claiming I am somehow ineligible for a refund. I keep going back and forth with their support these past few days, and now they also claim they can not verify my identity with provided documentation, but the fact is I have never provided any documents to chime on this matter. This is the first time in 2 years they tangibly respond to me and they have used all types of XXXX and are trying to bully me from my money. I have documents from the XXXX XXXXXXXX XXXX XXXX showing that the payments I received were legitimately for me. Chime has not asked me to provide any documents or tried to verify anything with me, but they are insisting on holding my money ( for XXXX knows what ). I need my money back, the state shows I was eligible for those assistance payments, and believes I got everything but that is not the case. I have not violated any agreements with Chime, and this is very shady behavior by this bank.
03/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 127XX
Web Servicemember
Ok so I made a {$140.00} tire purchase from the site XXXX on XX/XX/XXXX. I tried to cancel my order maybe about 30 mins after cause of the name of the charge it was under. Looked up their cancelation policy and how to cancel on their site and i had 2 hours to cancel the order after putting it in. I had no luck with contacting the supposed company through email or phone. My email just kept getting kicked back and the phone number does not work. I called my bank after and tried filing a dispute but they said I had to wait til transaction cleared to do that. The transaction cleared and I filed my dispute on the XXXX of XXXX. I sent in the the screenshots of my purchase receipt and the site with all their info. It got denied the first time caused rhey saus they needed receipts or other unfo to be sent in. I tild them i already did send them in and they got to check their email. I called back and they put it in rebuttal. During rebuttal I got emails from XXXX stating the shipping info and tracking number and also an email asking g if I received my package that was supposed to be delivered on XX/XX/XXXX. I got these emails on the XXXX of XXXX saw no package and called ups on XXXX. They told me that the tracking number I received was not a package for me and to call my bank back and file a dispute again. Called my bank back told them I got emails stating I was to receive my tires but didn't. And that I called ups about where they were and they told me that I was basically scammed and to call them ( my bank ) back. They asked me to send the screenshots of the emails to them of the tracking info and it got denied again ... so I'm here contacting you guys cause I'm out {$140.00} and didn't receive the tires I ordered.
07/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 331XX
Web
On XX/XX/XXXX, on the Chime platform, I linked my father 's XXXX account for a XXXX $ withdrawal. On XX/XX/XXXX, Chime put my account on hold for suspicious found on a transferred amount " we identified some unusual activity regarding the amount and / or origin of certain funds which has been posted to your account ''. On XX/XX/XXXX Chime requested further documentation which i provided the same day which included my ID and confirming that I did not have a utility bill under my name because i am currently living at my parents '. On XX/XX/XXXX no answer received from Chime and same email was sent to their attention. On XX/XX/XXXX Chime closed my account not taking into account my attempt to find a resolution to the issue they raised. " after recent review of your account we found that it does not comply with the terms of the deposit account agreement. The account has been closed by Chime and is not eligible for a refund. '' On XX/XX/XXXX I contacted the Chime Member Service asking me to send a photo ID, a bank statement reflecting myself as an authorized user on all external bank account on from the XXXX account. On XX/XX/XXXX I sent the document - my photo ID/ the account XXXX on my parents names/ the XXXX statement where it appears the amount transferred. On XX/XX/XXXX and XXXX i followed with Chime with emails to received acknowledgment of receipt of my documents and asking for a response. Overall i received many automated emails but no one tried to reach me for finding a resolution to this situation. End of day XX/XX/XXXX no answer received and no resolution found. I found that many clients of Chime have been exposed to similar issues and decided to ask for your assistance for finding a solution.
04/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MI
  • 481XX
Web
Im not sure exactly why my account is temporarily suspended, but it has been for almost a month now Ive called every single day now and escalated it through a manager, they obviously wont tell me why and I havent done anything wrong, theres a lot in my savings about XXXX in a little in my checking maybe XXXX or XXXX that I need to pay my rent so now I owe extra on that like I said its been going on about a month And in the first email all they asked for was proof of address and a government ID so I sent them both of those along with a birth certificate along with my source of income. Then I didnt hear anything for at least three days so I called Chime again and they escalated it and I only got the same exact email about two days later and the same process because they said the format of the other one was not correct, so I waited a day and then called back and the process restart it over again and Im starting to get irritated and now this time theyre asking for more documentation other than what I had change the format of my ID and resubmitted it and now they were asking my sources of where my first deposit was, etc. which I have no idea because XXXX cant access my account and basically Ive been stuck in this loop of calling them getting it escalated getting the email sending the information getting an email saying they need more calling, etc. and this is chime bank account They also brought up the source of my original deposit being my XXXX XXXX XXXX ) which is only {$900.00} and theyre talking about {$55000.00} or something in me to describe each transaction but Im only allowed to upload 10 images and I have to change the format on all of them, which I see is impossible, and frankly none of their business.
01/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • GA
  • 30252
Web
okay starting on XX/XX/XXXX, i was arrested for an old probation violation. I did not get out of the jail until XX/XX/XXXX. While I was locked up a female that i had let stay at my home that i paid for or rented rather from a family member. broke into my room stole my information and made and received transactions on my account i knew that i had money coming from my income taxes i did give her access to my phone but she had no right to get my debit card or do anything other than what i told her to do on my phone she stole all of my money that was deposited from those months of child tax credit and tax money that deposited she made over XXXX dollars in tranactionds. I provided chime with the proof that they needed in everyway plus some and was even told after the first complaint was filed and dednied to rebuttle it because it was a mistake. I then filed a second time and again got denied I have talked to over 60 people on different occasions. in one day i was on the phone with chime being transfered around over 4 hours of explaining over and over and still got no where. they clIM THEIR IS NO ONE HIGHER UP IN THE CHAIN OF COMMAND THAN THE OTHER. They are very rude got hung up on a few times and now they have closed my account while its pending investigation. I just contacted them once again and got nno where tol me to go to XXXX. This is scary and they have no problem with it also I had this account for five years maybe 6 and the other time i had didputed something cause i left my debit card on the register at a department store it got used during the middle of the night and drained and they didnt dio anything but one of those three transactions. they are not what they should be representing them selves to be.
12/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IN
  • 46322
Web
I sent a money transfer and when the email came back it had a name of recipient of the transfer and it was the wrong person and also someone I do not know. I called Chime within minutes of seeing that and explained to them it went to someone I dont know I must have hit a wrong a digit when sending. The agent assured me this was not an issue and the money would be put back into my account and gave me the case number for this issue. The next day i received a denial to getting my funds back and I once again explained to them it went to someone I did not know and i wanted my XXXX back, I had called within minutes of the transfer so they could stop that transaction. We ended up agreeing after over an hour arguing about how I contacted them within minutes once i got their email showing it went to an unknown source they agreed that I would receive a provisional XXXX into my account with 10 days. Today is day XXXX and I just called them back and they advised me that the case is closed and I would not be getting my funds back. I just joined Chime to get away from the big box banks and this is what has happened to me already within a couple weeks. I don't know how this happened but I do know the funds went to an unknown source and I called the within minutes to advise them and they are denying me my money back. I work hard for my money and i cant afford to just throw XXXX into the wind. Basic common protocols. Any other financial institution has you set up recipients and payees for security purpose. This seemed simple and easy enough but look at the results that come with simple easy, Someone got XXXX free from me and I took out XXXX cash within XXXX minutes so I could pay the correct person the money due to them. I
04/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 76020
Web
Today, I also submitted a dispute with CFPB for Chime for my Chime Credit Builder Account. This dispute is for my Chime Debit Checking Account. I have submitted a dispute with Chime for unauthorized transactions and received an email today that they will not be refunding my money. The Dispute # with Chime is : # XXXX I am currently losing money, once again, by losing hours with my job, to fill out all this information. The transactions being disputed : Merchant : XXXX XXXX Card Pymt Amount : {$820.00} Date : XX/XX/22 Time : XXXX XXXX Merchant : XXXX Gift Cards Amount : {$310.00} Date : XX/XX/22 Time : XXXX XXXX Merchant : XXXX XXXX XXXX Amount : {$350.00} Date : XX/XX/22 Time : XXXX XXXX Someone, once again, hacked into Chime and made fraudulent transactions now on my debit account, totaling {$1400.00}. I was told that I would have to wait 90 days for this dispute to be fully investigated. I was also told they would refund me provisionally on XX/XX/22 if the investigation was still pending completion. Today, just 3 days later, I received an email that they will not be refunding my funds for the {$820.00} and {$310.00} transactions and that I have to wait 10 days for documents to explain why. The other dispute is still pending for {$350.00}. I called Chime and the representative informed me that I need to submit new documentation to support my dispute for them to research further. I am submitted this form to the CFPB because I am requesting a full non-provisional refund sent to me by check in the total of {$1400.00} as I no longer trust their investigation process is in my best interest and I do not trust their security to put money in their accounts as two of my accounts were hacked with two weeks.
07/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 48066
Web
I played at XXXX. I deposit a total of {$3000.00}. During those deposit I want to cash out for {$1700.00} the site would not let me. I reached out to a chat rep name XXXX. She stated I could not cash out cause they put a bonus on my play. I explained I never authorized the bonus nor did I use a bonus code. XXXX stayed when they run promotions they automatically add bonus and I could forfeit the bonus but I would also loose all my winnings. I explain this is illegal you never notified me that a bonus was being put on. So I had to wager around {$300.00} which I did I then went to cash out. XXXX add another bonus so you could not cash out again. I called Chime and explained this is a scam you will not be able to cash out they just want you to keep depositing. I want to dispute the charges. That rep put in for unauthorized charges. I explain I did not understand why he was doing that as unauthorized charges. I then got a email from them stating under XXXX XXXX no credit would be given. I called Chime that day spoke to a rep explain based on this XXXX XXXX the XXXX XXXX XXXX filed the dispute wrong. So he told me he fixed it. Yesterday on XXXX XXXX my claim was denied caused it was never changed they still had it under unauthorized. I spoke with XXXX reps the last rep told me he put it in for a rebuttal and fixed the dispute reassign to scam. I explain to them many times if they calls are recorded they would get me telling the XXXX XXXX rep why is he doing unauthorized dispute? I trust chime to put this claim in the right category they are my banking. But they did not. Now my claim is being denied. I was scaled out of this money. If the claim was done right from there rep this matter would of been looked into.
03/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 30318
Web Servicemember
I made purchases from a merchant XXXX on XX/XX/23 & XX/XX/23. Neither of these were received by me. Once I reported this to the merchant I couldnt get any assistance from them so I went to my bank, Chime, to dispute the charges one for {$110.00} & {$91.00} respectively. I have called countless times to the bank Chime and the merchant as they both continue to point fingers at one another. I was asked to wait until XX/XX/23 to get my money back to allow the bank time to investigate which would be acceptable if the merchant hadnt already admitted fault and tried twice to process a refund. When I disputed the charges with the bank the representative haphazardly reported my card lost or stolen despite my saying that the dispute was surrounding a purchase where merchandise wasnt received and the merchant was unable or unwilling at the time to refund my money. Had the bank representative correctly categorized my claim Id have been refunded by now, two months later. In the subsequent time the merchant has recognized the error and admitted it in writing and attempted to resolve it but the bank, Chime, has yet to refund my money even with two different emails from said merchant admitting they were at fault. Im at my wits end with the back and forth calls and run around Im given from the bank and they continue to site this mythical investigations team, who can not be spoken with, that is to make the decision. Needless to say they denied the initial dispute citing they found no evidence of my claims validity even with the evidence from the merchant directly. The cascading failures of this bank confirmed to fall in my lap and I simply want my money back so I can end our relationship while trying to avoid litigation.
12/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NE
  • 681XX
Web
Due to an issue with my XXXX account being hacked, I was concerned about the safety of my account. However, my phone was experiencing a lot of difficulty and malfunctioning. I reached out to ask what my options were and if there was a way to secure the account without having to use the phone number to reopen it, Instead of responding with options, they immediately closed/locked the account and did not secure the card number which meant if there was a breach of my account, the problem was unresolved. I tried to inform them that this was not helpful, but they had already taken this action and I was told to prove my identity with a picture of me and my photo ID. Unfortunately, my phone is dead and to get said picture I had to use someone elses phone. I sent the requested picture and was then redirected to the beginning of the process. They asked me to prove my identity again with the picture. I did. They asked me to do it a third time. I am currently working on it, but Im furious. I cant get XXXX presents for my family right now due to this entire issue. I also have had a variety of issues with their customer service. When Ive called them, I have been put on hold for hours immediately after informing them I am XXXX XXXX. Eventually, I asked someone else to call chime shortly after me to see if this was a reaction to my hearing loss. We both asked about the same issue. I said I was XXXX and got put on hold for seven hours. The other was done with their call in about an hour. I am sickened by the awful customer service and failure to protect, secure, and assist their account holders. I wish to close my account, but was told I have to prove my identity despite having done so multiple times already.
07/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • KY
  • 41042
Web
I had opened an account with Chime after hearing about it from my wife, Ive been with chime maybe around 2 months now And now they have suspended my account because they claim there is fraudulent activity on my account. this was 2 weeks ago so I just went ahead and told them I wouldnt be using them anymore for my money due to lack of professionalism from their customer service reps who have little to no knowledge of their product. So I go into my companies website and change my direct deposit information. Little did I know it was approved so my information for direct deposit still had the chime account on there. So I get paid and it direct deposits into my chime account so I thought its not big deal I can fix this with chime. Boy was I wrong, so I contact chime through phone at first got no help there. I was told to contact via email. So I do and this was Friday XX/XX/2021. I contact them through email and they are just giving me the run around. I thought never mind Ill contact my employers and get them to ask for my paycheck back. Unfortunately they couldnt do anything because on their end it shows my check already deposited into chime account. So now its Saturday morning XX/XX/2021 now Its getting worst because theyre taking hours to reply back. They asked for all my information and I give it to them just so they can send my paycheck back to my employers. It is now XX/XX/2021 and they have not even tried to give me access back into my account or my paycheck. I am running on fumes right now because I have no money for gasoline for my vehicle and and food for my apartment because they keep playing games with me. And I forgot to mention they had done to my wife too a week before they did that to mine.
02/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • IL
  • 60611
Web Servicemember
On XX/XX/XXXX, while out of the country, I got a message that my Chime card was suspended. This was horrible timing, as it's the only card I typically take out of the country with me. When I called, I was told that it was likely a mistake and would be rectified once I sent over documentation. They were asking for the source of some transfers I'd sent over. I sent that documentation in and was then asked for proof of business ownership. Then transaction history on business sales account. Then invoice and sales summaries of my business sales account. I have sent in everything that they've asked for ( even though much of it should be confidential ) and am still getting told that my account can not be closed and the $ XXXX in the account can not be released to me. This is extremely problematic for multiple reasons- I can not see or access my account info at all while the account is in 'suspended ' status. Therefore, I don't know what's actually in or happening with the account. Also, the increasingly outlandish requests paired with the inability to speak to an actual person on the phone instead of via email-or have a singular account representative is scary. I don't know who I am talking to or dealing with at any given moment. One would think that if an account got to suspended status, they would assign a singular point of contact to create trust throughout the process. I have been with Chime for over 5 years and used to rave about how great they were but I have never experienced such disregard with any banking institution and am concerned about the validity of what Chime represents. We are now 20-days into an arbitrary suspension and nothing has been done on their end to re-allow access to my funds.
09/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 759XX
Web
Ok I got my tax refund sent to chime which was like {$45000.00} before taxes ok chime received it and it was put into my account but a couple days after tht chime closed my account I had been with chime for like 9yrs but they closed my account for some apparent reason, well like I said I had my refund check in my chime account like {$28000.00} so they informed me tht they wud be sending me a account closure check for my remaining money left in the account tut was like maybe $ XXXX XXXX dollars ok tht was way in XXXX they informed me tht my check wud reach me in XXXX days and I haven't received not nothin but they telling me tht they mailed the check already well they told me tht they wud be sending me another check then they emailed me again and telling me tht they cud not send me a check but wait I thought they had already sent me a check and I'm not understand why they are trying yo keep my money It was a refund check I emailed them all myrefund information and everything came back with no problems irs clean everything clean and everything was verified this has been a not so good 2mths I'm about to loose e verything I ever owned because of this thts my hard earn money tht I deserve why is chime trying to steal it from me I haven't received not a XXXX from them I have bills and kids send other things igotts take care of why are they doing this to me can someone please help me out please I don't know wat yo do because thts my hard earn money and they are stealing it from me I'm in tears because I trusted them for 9yrs and now all of a sudden they stealing my money please help..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX thank you and have a blessed day please help
02/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NV
  • 89502
Web Servicemember
On i believe XX/XX/2021 I was at XXXX XXXX a car as my vehicle was stolen. After 2 hours in the rental agency I handed the customer service rep my chime debit card to reserve the vehicle. It was declined. How could that be as my check was direct deposited into my chime checking the night before. So, I called my son and he came to the agency to use his chime debit card only to find out it too was declined. No way we thought. Had to call my husband to my rescue to start the nearly 3 hour process all over again THE NEXT DAY. Phoned Chime, they have my number blocked stating my account was closed and they won't speak to me. Only communicate thru email!! I emailed many times wirh zero response. I have nearly {$1000.00} just deposited on this account! As well auto deducts for my rent, storage unit, car insurance, wifi and several other ACH bills. My son tried to login t on his account and was blocked by chime stating his account is suspended. 2.5 weeks later STILL no access to our accounts and every dollar we own. I am faced with eviction now. I'm being charged nearly {$1500.00} in latest fees from all creditors. My son sent chime all documents they requested to verify identity and STILL TODAY no access to his account or monies. CHIME gave us zero notice our accounts would be closed and frozen. I've called them 8 times only to be rudely put on hold for 1.5 hours at one point and hung up on by a customer rep!!! I am faced with eviction because of these crooks and late fees I can not afford. I can not even put gasoline in my car as chime holds all of my money. We need help and quickly please. Chime should be accountable for all of our late fees and then some. I want them held accountable! We want OUR MONEY.
12/19/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28227
Web
My name is XXXX XXXX and I am filing this complaint about Chime about unfair judgement. I sold something online for someone by name XXXX XXXX and she paid me using her chime card and I shipped the products to her. She later filled a dispute with Chime lying that the transactions were unathorised and now chime is trying to take the funds back. I use XXXX to process my payment and I got a notification that a customer has opened a dispute and stated unathorised transactions. When XXXX XXXX contacted me and made the payment, I asked her if she was the one who owns the card she used and she said yes, then I asked her if she could provide any evidence to proof her identity and she said yes. She provided her drivers license front and back for documentation, and she also sent a selfie holding her drivers license, she also sent her Car Insurance Bill as a proof of address and she told me the payment will come from her chime card and she assured me that she will not dispute the transactions. She also wrote her SSN to proof that she was the one made the payments. But she lies to her bank that she didn't make the payment claiming it was unathorised so she can get the funds back. I already shipped the item to her and now I do not want to lose the money and my products. I have attached a screenshot of our conversation including all the documents she sent to me for evidences and documentation. She signed a contract assuring me that she will not dispute the transaction in the future and she assured me that her bank will not dispute the transactions in the future too. I need chime to know that she made the payments. I have sent an email to chime to explain the situation but no one is responding
11/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MN
  • 55044
Web
On XX/XX/2023 I had {$65.00} come out of my Chime checking account twice from merchant XXXX, a total of {$130.00}. An error occurred with XXXX and the money never went into my XXXX account nor was it sent to the recipient. XXXX has no record of these transactions. I received a refund of {$65.00} one time on XX/XX/2023 from XXXX, however, I am still missing {$65.00}. After contacting XXXX, they informed me that since they have no record of this I need to contact my bank, Chime. I disputed the transaction with Chime and they stated that I already received a refund of {$65.00} on XX/XX/2023. I called them several times in an attempt to clarify that I only received one refund, and should have received two. The disputes team at Chime escalated the dispute three times, and each time Chime stated that because I received one refund of {$65.00}, I am not owed another ( despite the fact I am still missing {$65.00} ). Several agents confirmed that I am indeed still missing the second refund, but the majority of the agents there could not speak proper English and understand the issue. I asked for a corporate phone number or address to submit a formal complaint on XX/XX/2023 and was told they do not have either of those to give me. The agent I spoke with also could not understand the issue and seemed confused. I have attached evidence showing I am still owed a 2nd refund of {$65.00}, in addition to an email from XXXX in which they advised I contact my bank, Chime, for a resolution. I am filing this complaint with the desire to receive two things 1. ) A refund of {$65.00} for the 2nd charge on XX/XX/2023 from Chime and 2. ) A written letter of apology from Chime for the way my issue has been mishandled thus far.
01/17/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • LA
  • 705XX
Web
On XX/XX/XXXX I received a text message notification saying that my phone number had been updated to XXXX my phone number is XXXX I did not authorize this update!!! Along with that notification I received and email stating that there was an unusual login in XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I tried to access the chime app from my phone but it was restricted so I was unable to see anything so thats when I called chime customer service and they were unable to pull up my account because whomever hacked my account had went in and changed some of my personal information ( phone number, email address etc. ) so they informed me that I needed to verify my identity In order to access my account. So of course I was able to verify my identity and when I was finally able to access the chime app I noticed that all my funds had been stolen ( XXXX XXXX ) these transactions were unauthorized and were made after my account got hacked .I went ahead and filed a dispute on XXXX XXXX I received an email stating that no error was found so I called them back and forwarded screenshots of the notifications I had received because obviously if a proper investigation was done you could see that it was not me that made those transactionsso they reopened the dispute promising to credit my account by XX/XX/XXXX so today on XX/XX/XXXX I received a email denying my dispute again and I feel like no proper investigation is being done because if it was based on the account history you can see that my account was hacked and those transactions were unauthorized..I TRUSTED CHIME BANK WITH MY MONEY AND THEY HAVE FAILED ME I THINK I DESERVE A PROPER INVESTIGATION XXXX XXXX CREDITED BACK BECAUSE THEY FAILED TO PROTECT MY MONEY!!!!!!!
12/19/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60654
Web
Until recently, I was a customer of Chime ( Website : www.chime.com ), an online financial institution that offers checking and savings accounts. The deposits are routed through XXXXXX/XX/XXXX XXXX Routing Number XXXX ) and XX/XX/XXXX ( Routing number XXXX ). On Monday XX/XX/XXXX, I received an email from the bank, asking for my employer and source of income. Later that afternoon, I responded with the requested information. On Thursday XX/XX/XXXX, I received another email from them, stating that they need documents supporting my answer, to which I responded that I am not willing to provide because of privacy concerns. The email stated that if I refuse to respond, my account may be suspended or closed, so I asked for a way to close my account and transfer my balance. I did not get a response. At the time, the total of my deposits amounted to {$210000.00} Expecting the account to be closed, I started moving money to an external linked account. Chime only allows transferring up to {$10000.00} each business day. On Tuesday XX/XX/XXXX, my account was suspended without any further notice, and I currently have no way of accessing my money or any monthly statements. I have repeatedly sent them emails and as of now have not received a response. Furthermore, I have sent them the documents they were requesting in the first place, in hopes of just getting my money back. I have repeatedly called them, and I am always told to expect an email response, as the call center does not handle such complaints. I have not received any correspondence since XX/XX/XXXX despite also sending them multiple emails. Since suspending the account, they are in possession of the remaining balance, which amounts to {$170000.00}
09/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • ME
  • 039XX
Web
In XX/XX/2023 I filed disputes for 3 transactions on my Chime account that I did not recognize. I was able to trace the transactions and cancelled the disputes within days of filing them. I DID NOT receive provisional funds when the disputes were filed. Due to the disputes the merchant, XXXX, locked my account. After going back and forth with Chime for months asking them to inform XXXX of the withdrawn disputes, which they refused to do, I had to file a CFPB complaint in order for Chime to honor my request. XXXX has my account still locked and after speaking with their corporate offices they have advised me that this is due to CHIME receiving provisional funds immediately when the disputes were filed and not returning the funds to XXXX when the disputes were withdrawn. I am now going in 3 months of not having access to my XXXX cash account. CHIME support is useless. All contact gets shuffled around from dept to dept and ultimately I am told " we will escalate this, someone will contact you '' and weeks go by without any follow up. When replies do come, they are copy and paste canned responses that do not address the issue what so ever. The responses are not even applicable to the situation. Due to CHIME not returning these provisional funds my account is locked until they are returned, this is affecting my ability to pay bills, get paid, feed my children, etc and affecting my credit score due as well as causing SEVERE financial burden and mental anguish. CHIME support will not even respond to my emails anymore. I have worked closely with XXXX support on this matter however their hands are tied to release the account until CHIME returns the provisional funds they were provided over 3 months ago.
05/20/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • MI
  • 48198
Web
I realized slower than I would have wanted or will ever allow agian. There was a fraudulent charge on my chime bank spending account for {$550.00}. By grace it was discovered before there was any transfer of goods or services. I raised the dispute to the company which the order was placed. Which is a firearms business in FLA. I am a Michigan resident. I also have a felony on my record. So I had to act before there was. A transfer of a good. The order hadnt even been pulled of the shelf. The FLA firearms company where the order was placed was very prompt and the info agent told me within a couple hours of me contacting them to have chime issue a charge back. There is no transfer of good, service or monatary value besides the {$550.00} that I have to wait at least 10 business days before I would be even considered for a supposed " complementary credit ''. I also have to bring up chime support agent hanging up on me when I was expressing the legal troubles that I would get if this oder was placed with my personal name and info with me having a felony record. The agent had no corcenrn of potential legal injuries that could possibly come to their customer thus needing a prompt response. The agent was more concerned with voicing thier baseless bilief that i was someone who was a liar who wanted to get a free order while comitting fraud and they would eventually press charges and shut my account down. The firearms company never even processed the order in house further than the recieving the order. I was able to obtain by my own with refusal for help from chime bank from the info support that there would be no transfer of any service good. To have my company issue a charge back and they would refund.
06/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 75093
Web
I had this account closed on XX/XX/XXXX was told account would be closed on XX/XX/XXXX and had to wait 30 days for my checking for my closed accounts. On XX/XX/XXXX still havent received any money on my closed accounts. Then on many different dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX call dates and many emails back and forth about getting my money and getting a corrected 1099-INT which they sent to IRS saying that I got {$100.00} in Interest on a CLOSED ACCOUNT and never even received my money from this account. I have tried everything and I want my money and NO ONE seems to care or be willing to help so I want to know what to do if you cant and wont help me then guess I will see what legal action I have to take now against since no one cares since its not their money or concern. I saved all of the emails but not ONCE did anyone call or respond to any of my questions and concerns except for the standard automated replies. I do have some references/ticket numbers that I demanded to help track my calls and requests. I want MY MONEY AND CORRECTED 1099-INT FROM CHIME BANK ( THE XXXX XXXX XXXX XXXX Im not going to pay taxes on money that I still havent received and NEVER GOT THE INTEREST ON CLOSED ACCOUNT OR THE MONEY!!! Isnt this against the the law to not correct and withhold someones money. I need to know what my next step is and if I have to get a LAWYER I WILL AND I WILL MAKE SURE SOMEONE ELSE WILL END UP PAYING FOR THE LAWYER AND COURT COSTS TOO AND IF I NEED TO GET THE NEWS AND ANYONE ELSE THAT WILL LISTEN TO REPORT THIS. I wonder how many other people they are doing this to and if Im the only one that is definitely not fair either.
01/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IL
  • 60193
Web
I want to talk about my bank Chime. On Friday XX/XX/2022 on my way to work in XXXX XXXX, IL. I stopped at a local XXXX XXXX to make a purchase using my XXXX. Approximately 5 minutes later someone at the XXXX XXXX located at XXXX XXXX XXXX a man withdrew 2 separate transactions of 400 $ each. The other store is about 20 miles from where I actually was and after seeing the charges I immediately contacted Chime and the police department. Well first Chime said I had to wait until the transactions both settled. So I decided to visit the store in XXXX to see if they could offer some help. The cashier told me around the time of the transaction a man was at the ATM for 7 minutes. Which the cashier stated was very unusual. I was sent video but since the mask mandate I can not make out the person. Today Sunday XX/XX/2022 the transactions posted. I sent all the information to Chime, the police report, my time sheet to prove I was 30 miles away, the video from the store in XXXX where my card information was used. Chime stated the ATM withdrawals were authorized and would close the dispute. I do not have any transactions in XXXX and I rarely withdraw over 200 $ from my account. Chime Bank didnt alert me to the charges and did not try to help me with any solutions. I just got my paycheck and we dont get paid for another 2 weeks and Chime seems to believe that because my PIN was used that it is authorized. With the various types of electronic bank fraud such as skimming the use of illegal machines placed at ATMs, there is a significant chance that someone cloned my card. However this bank seems to believe everyone is lying and doesnt care to help. Please please help us out with any type of assistance.
06/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • OK
  • 748XX
Web
On the dates of XX/XX/23, XX/XX/23, and XX/XX/23, I was charged {$260.00} to my account by XXXX. ( {$800.00} total ) These charges were unauthorized, and I have made numerous attempts to rectify the situation with my bank. Regrettably, all three disputes have been denied without proper investigation or consideration of the evidence I provided. To establish the legitimacy of my claim, I contacted XXXX directly, and they confirmed that there are no corresponding charges on my account. I promptly provided this documentation to my bank, expecting a fair and thorough investigation into the matter. Despite my efforts, the bank continues to dismiss my dispute and fails to acknowledge the evidence at hand. In an effort to prevent further unauthorized charges, I requested a new debit card from my bank. However, to my dismay, I was charged once again on XX/XX/23, and my dispute claim was denied within a mere 8 hours, showing a lack of proper scrutiny and investigation. The bank 's justification for their actions based on my activity and spending habits is unfounded and does not align with the evidence provided. I have always been diligent and responsible in protecting my account and have promptly reported any suspicious activity. It is disheartening that my bank has failed to acknowledge this and address my concerns appropriately. I am seeking your intervention and assistance in rectifying this matter. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates the handling of my disputes by Chime Bank. Additionally, I request that the bank is held accountable for its negligence and the undue stress and inconvenience caused by their disregard for my valid concerns.
05/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MI
  • 48125
Web
This is a three part complaint chime bank. I've had account two years and used XXXX XXXX. If dud what they said, my score shot up. The issue as I just became a platinum member. So a preferred you get a metal card and but on XX/XX/XXXX I ordered two pairs of what I typed in and looked like XXXX XXXX $ each. I never see that cheap so later before anything coukd ship I looked and noticed it says of XXXX XXXX XXXX in some view you see a XXXX symbol in straight on nothing blank so I figured XXXX XXXX so I canceled both before they ever shipped. On XX/XX/XXXX XXXX was refunded. But that's two pairs wheres the other XXXX well XXXX says both were refunded one on the XXXX and one on the XXXX chime says no. But I keep disputing the charge. And nothing gets done. Then I used XXXX XXXX ask one question for XXXX they did not help what I asked none the less I noticed if you use you have to cancel only there's nowheee too and the tech experts don't answer where can I cancel. XXXX warned chime I don't use and don't want this charged. I calmly disputed this also. Somehow a XXXX XXXX charge for XXXX from XX/XX/XXXX got disputed but it's a mistake its XXXX XXXX I just noticed they sent me an email saying by XX/XX/XXXX my account is being canceled. They will not tell me why but nit in accordance with user agreement. Yet 3 weeks ago I'm a XXXX XXXX customer. I really wasn't complain about the disputes yes I want the XXXX and the XXXX back. But also that XXXX banking or plaid might be causing glitches I had XXXX and XXXX apps bug can't access my bank so whatever the reason they owe me money are being duscrunatory and canceling my account and no reason they won't tell me should be unethical business practices.
02/03/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • NC
  • 275XX
Web
On XXXX Chime ( aka XXXXXXXX XXXX ) abruptly closed my checking and savings account without my knowledge or consent. I can not access {$10000.00} currently in my account. I called them immediately asking why the account had been closed and asked if there was hacking or fraud. They told me it looked like it was closed due to a policy violation but would not tell me what policy or what was violated. They also said they could not actually tell why because the account was closed. They refused to let me speak to anyone who could help and insisted I submit copious amounts of documentation before they would look into it. I have submitted and resubmitted yesterday and today ( drivers license, both sides; signed social security card ; zoomed in selfie holding drivers license with a paper that includes my name and the date ; a written explanation of the most recent transfer ; bank statements from the account I transferred ; pdfs of the transfer from the sending bank ) and have gotten no response as to the status or when my account will be reinstated. I have sent multiple follow ups and keep getting the same form letter response from a different person asking me to submit what I have already submitted. I feel as though they are stonewalling me to hold onto my money. They do not care for their customers or the stress and anxiety caused with their lack of response, action, support, or caring. They are currently stealing my money. I need help getting access to my account so that I can transfer my funds immediately out to a bank that will not steal your money, and then I will close the Chime account on my own accord as they can not be trusted and do not have their customers best interests as a priority.
07/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • AR
  • 721XX
Web
On XX/XX/XXXX I deposited my amended tax refund check from the IRS. This was a check that I had spoken to the IRS several times about and was expecting..my amended taxes had been accepted by the IRS on XX/XX/XXXX XXXX The check was in the amount {$4600.00}. I used Chime Mobiles check deposit and followed all depositing information. The check was accepted and deposited into my account. I then laid down to take a nap and when I woke up I had an email from Chime stating that my account had been closed and I had no access to my funds. I reached out to Chime for XXXX days by both email and phone and did everything that was requested of me. I provided my DL on front and back, my social security card, a utility bill, my tax transcript, a copy showing where the IRS has accepted my return. I even provides the letter I received from the IRS stating I had a refund coming. Chime requested 7 times this documentation and 7 times I submitted and on XX/XX/XXXX I received an email from Chime that my documentation did not meet requirements and they were closing my account and I would not receive my funds back. I was told because of security that could not tell me why or discuss anything but that I needed to reach out to the issuer of the check to see who the check was Intended for and who the actual payer was. So, on XX/XX/XXXX I called the IRS, who verified the check was sent by the the US Treasury as a federal tax return and I infact was the correct payee as the check said. Since then, I have received nothing from Chime. Chime closed my checking, savings, and my credit builder card and will not allow me access to any of these. They also will not give me any account statements for records or Information.
02/07/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • MI
  • 48439
Web
I've been in contact with your Chime customer service team, twice yesterday ( XX/XX/2023 ) and once today ( XX/XX/2023 ). Problem stems from a remote deposit. I've sent remote deposits before, through my Chime account. EVERY time I've done these remotes check deposits, funds have ALWAYS been available by end of business or end of same day! For some reason yesterday, I was informed by a Chime email that this " one '' particular check ( check # XXXX $ XXXX see attached ) was being held until XX/XX/2023, to make sure it didn't bounce? This makes no sense and not one of your reps can explain why " randomly '' Chime is holding this particular check? To add to the frustration, I've been told I can not talk to anyone regarding my concerns? I have emailed " SUPPORT '' twice now and called once. My Client/customer who issued the check, today ( XX/XX/2023 ) was going to " stop payment '' on this check through his bank ( issuing bank ) today, but was told it " CLEARED '' his bank today? I need someone to contact me by end of business ( XXXX time ) or I will be forced to take other action. There is no reason this should be happening! This is one reason why I do not use my Chime account as much as I used to and moved my direct deposit! 2 business acquaintances told me of their problems with Chime, that's why I move my DD and do not use my Chime account, like I used to, in the past. I'm sure Chime uses algorithms and this may be why, NOW, a check is being held!? If so, although this is very shady business practices, I understand, because I don't have a ton of activity. Someone at Chime needs to have the accountability and " guts '' to explain why this happened! Sincerely, XXXX XXXX
10/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TN
  • 374XX
Web
I Have Been In Dispute For Months, Since XXXX Of XXXX With Chime Bank For Fraudulent Transactions Thats Were Made Onto My Account. For Months I Filed Claim After Claim And Being Constantly Denied Because They Claim To Have To NEEDED A Police Report. The Police Department Wouldn't Release My Report Until The Case Was Closed. After Months Of Trying With No Solution They Finally Released My Police Report And I Was Able To Send It In For Review A Month Ago. THEY STILL DENIED ME! Even When It Clearly States That My Card Was Stolen And They Used My Card To Make Fraudulent Charges! I Had To Order A New Card Immediately After The Incident And This Happened The Day Before My Birthday. When I Made The First Dispute With Chime I Had To Make The Disputes In 2 Separate Claims Because Chime App Only Lets You Dispute 4 Transactions At Once And There Was XXXX Of Them. The First Dispute Was For XXXX Transactions Totaling {$190.00}. The Second Was For XXXX Transactions Totaling {$16.00}. The Transaction For {$16.00} Was Immediately Approved Within The Next 2 Days, But They Have Been Constantly Denying Me My {$190.00} Thats was ALSO APART OF THAT DISPUTE. I Filed Both Disputes The Same Day, One After The Other, So Also Close In Time. They Also Both Had The Same Description As I Just Copied And Pasted It Because They Were Both For The Same Instance. How Shady Does It Look For Them To Approve My {$16.00} Dispute Almost Instantly But Put Me Through XXXX The Last 7 MONTHS FOR THE REST OF MY MONEY. I Have Provided Them With Everything They Have Asked For But They Still Continue To Deny Me Even With The Evidence Right In Their Faces! Im Looking Into Pursuing Legal Action And Suing The Entire Company As A Whole!
07/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 90815
Web
On XX/XX/XXXX I received 2 text back to back of some one trying to do a 2 factor identification on my account. At that moment i logged into my chime account and discovered an unauthorized transfer of {$2000.00} from my account to another unknown chime account.I instantly realized some one had logged into my account and stole my money. I immediately contacted chime support and explained the issue and opened a claim. I was told by a rep the claim would take approximately no more than 60 days and or a provisional credit will be issued in 10 days. Then the following day I got an email saying they found no error in what occurred and closed my claim in less than 24 hours! Then that same day XX/XX/XXXX I received another text message of a fraudulent attempt made to try and charge my debit card in XXXX XXXX when Im in XXXX XXXX. I immediately called again to report this and re opened the case. I provided screen shots of the text messages and proof of me being no where near XXXX. Clearly there was frequent fraudulent activity on my account and they failed to catch this. I then waited for the investigation team to get back to me with a response which took only 1 day for them to tell me I myself sent these funds out. The denial letter is basically a joke there is no real information on there of them doing any investigations other than them providing me with a device ID that was used to make these unauthorized transfers which was not my device. I will attach denial letter. I have actively been calling trying to get MY money back and am getting no help I keep getting denied and getting the run around. Getting these funds stolen from me has caused a major financial set back and desperately need help.
06/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30005
Web
Noticed numerous XXXX transactions from my chime credit builder account dating back to XXXX ( XX/XX/22 ) The total of said transactions is {$1400.00} After calling Chime to dispute the unrecognized transactions/cancelling my card and ordering a new one, I was told Chime would need up to 90 days to investigate, I come to find that my dispute claim has been denied in under 3 hours. I call chime and speak with a representative, who is unable to assist me and tells me that I should have received an email detailing the results of Chime 's " investigation '', but I had received no such email in either my inbox or spam folder ( I had received other correspondence from them just earlier the same day though about an upcoming banking holiday ). He told me that they can send the results of their investigation in a pdf but it will take up to 10 business days. I request for the explanation of denial and I also email them at XXXX requesting the same in the hopes to get this expedited. They have since sent the reason for denial and it is essentially a short paragraph that states " No changes to the account or personal identifying information took place during the disputed time frame, therefore their are not hallmarks of account takeover. Cardholder was in control of the account during the dispute. '' the last bullet on the pdf states " There are no fraud alert captured by our system before, during, and after the disputed transactions '' Their is no other explanation for denial present in the pdf they sent me. No provisional credit was given, the merchant was not contacted. The credit card is a XXXX and under XXXX 's zero liability I should not be held responsible for these unauthorized charges.
11/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 117XX
Web
My wallet was lost and there has been unauthorized charges to my account. I have reached out to both the bank and the merchant. The merchant told me to file the claim with my bank and they will reverse the charges. Chime declined my claim XXXX XXXX and refused to provide any documentation to show how they came to this - these were fraudulent charges- they refused all credits on my account- never received a temporary credit or anything. They resolved this claim in less than 24 hours. I kept reopening the claim to get them to work the claim, however, they refused to advise on the steps they took. My entire wallet was lost. I am certain that they did not process my claim accordingly to the law. Claim XXXX XXXX Chime also denied this claim- they had no details to provide as to why the claim was denied, again allowing unauthorized charges to my account and refusing to provide a credit. This claim is supposed to be on my credit builder account - credit card account - This account functions like a checking account online, allowing for unlimited of daily transfers, no pre-set spending limit, no monthly invoicing/billing. However, when you file a dispute, it is processed like a credit card, but functions as a debit card. Claim XXXX XXXX - Chime will also eventually deny this credit with any due diligence or verifiable documentation that they took the appropriate steps to make sure that my claim is processed. I have filed 3 claims, and each claim has been denied - THESE ARE FRAUDELENT TRANSACTIONS- I reported them as fraud. These are not my transactions, and the bank would have known that if they took the appropriate steps. Please help me get my money from these fraudulent transactions
10/14/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OK
  • 73072
Web
I have been a customer of chime for almost XXXX XXXX. I recently received an alert that my card was used at a gas station XXXXXXXX XXXX away while I was at work. The charge was for {$120.00}. I immediately alerted chime and the gas station : I was told by chime that the charge needed to go through before I could file a dispute. XXXX XXXX XXXX the charge went though and I filed a dispute with chime. I provided my time card which showed I punched into work at XXXX and punched out at XXXX. I also provided a map showing how impossible it would be XXXX XXXX almost XXXX XXXX from work to put XXXX in gas on my card at a location almost XXXX XXXX away. They however rejected my dispute XXXX XXXX later. I provided additional documentation proving it would be impossible to make those charges and how it was indeed fraudulent. Chime refused to investigate and repeatedly denied my claim. I called several times and several times had a scripted and unhelpful conversation with representatives that were very evasive and unhelpful. I am furious that after I provided more than sufficient documentation of being XXXXXXXX XXXX away at work they continued to deny my claim. They are allowing thieves to continue to making fraudulent charges by not actually investigating the facts and indeed, victimizing me XXXX by not siding with me after I was robbed of money via card fraud. After about XXXX calls and XXXX emails of providing proof of being defrauded, I called and closed my account. Never in my life have I ever been treated so shabbily and received such bad customer service and to boot, Im out {$120.00} while a thief gets a away with fraud. Chime needs to be shut down or regulated.. its absolutely shameful
06/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 43081
Web
I recently noticed a {$910.00} charge for a grocery store on my statement. When I noticed the charge I reached out to Chime to dispute this charge. I was told to submit supporting documents for them to be considered and that the investigation could take up to ten days. Also, during the call I was interrogated and treated as if I am a criminal for trying to recoup my stolen funds. After the call, I submitted my supporting documents roughly 10 minutes later. Directly after submitting my supporting docs, I went to check my email and I have a email from Chime s dispute team denying my claim. They sent this denial before even receiving my documents. I work XXXX XXXX XXXX. My supporting documents are just my work schedule showing that I was working at the time of the transaction. When I called back after getting the denial, I expressed my displeasure with their decision and that I believe that there was no investigation done. Chime told me that my only options are for them to resubmit my claim for consideration or just accept the decision. I do not want to accept that an investigation was done and that I am ok with Chime REconsidering my claim as they never did review my claim. Within in two minutes of my initial call, a decision was made that I dont deserve funds stolen from my account. As a consumer its not my job to prove Im a victim. I should be able to report the fraud and feel comfortable with the idea that my bank with research this dispute diligently. That is not the case. Chime does not want to cover their customers but still be considered a legitimate financial institution. They are not upholding their promise to me as a customer and most importantly, Chime owes me {$910.00}.
03/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 900XX
Web
I opened a checking account with Chime Bank and used it to transfer my unemployment benefit payments from XXXX XXXXXXXX XXXX to my Chime Bank checking account. After several transfer deposits totaling {$5000.00}, Chime froze my account, asking me to provide proof of my identity. Providing gov't ID was not a condition for opening my account at Chime Bank XXXX I refused since gov't ID was not a condition of opening my account. The position that I stand firm on. Chime closed my account with a balance in the amount of {$5000.00} and emailed me this response. " After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review Section 9 titled Amendment and Cancellation of the Chime Deposit Account Agreement : https : //member.chimebank.com/account-agreement. '' The dates and amounts of my deposits are : XX/XX/20 {$4900.00} XX/XX/20 {$1500.00} XX/XX/20 {$1500.00} XX/XX/20 {$1500.00} I filed a claim through XXXX XXXX XXXXXXXX XXXX but Chime refused to release my funds and transfer them back. I have written Chime by email asking for their legal counsel 's name and address and they have refused to provide this information. My position is, no matter what the reason for Chime 's decision to close my account, once making that decision they should either issue a check for the full amount in the closed account and mail it to the address on file, or return the funds back to the original source of the fund 's transfer " XXXX XXXX XXXXXXXX ''. I do not understand what legal bank precedent Chime Bank is using to keep my money.
03/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30331
Web
I got a fraud call on XX/XX/XXXX from chime saying someone was trying to use my account to pay for a doordash order. And it said that I should text back when chime text me no or yes if that was valid. When the text came through I texted no. Saying that I did not authorize that payment. I was at XXXX at the time and I was in line using my chime card at the time. And I made a purchase at XXXX on the same night. After that I went home and I check my chime app and it said that i authorized some transfers to a person name XXXX XXXX in the amounts of {$550.00}, {$1100.00}, {$300.00} {$25.00}, {$10.00}, and {$5.00}. I do NOT know that person and I did NOT authorize those transactions. I did a police report the next day and I reported that issue to chime. Between XXXX est and XXXX pm est those transactions took place. Also at XXXX another transaction from XXXXXXXX XXXX XXXXXXXX for {$9.00} took place I did NOT authorize that transaction either. At that time In was driving home from XXXX. Chime did an investigation and said there was no fraud. I am beyond upset. I feel like they did not investigate the matter correctly. because they alerted me that there was fraud and then went back on there word and said no fraud. They also suspended my account for a few days and had me to verify myself in order to open my account back up so I did. Please help me I am a single mom and I was going to pay for a prom dress for my daughter and pay some bills that were behind. That was my income tax money. They also issue me a new card without me asking. I had my phone and my card no one has access to my phone or card. Someone hacked my account that is what I believe. I also make purchases online as well. XXXX
12/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • VA
  • XXXXX
Web Servicemember
I received a letter in the mail the week before XXXX stating that my SSN was flagged. I mailed off the letter and then I received an email on XXXX the XXXX stating that my account would be closed on XX/XX/XXXX unless I filled out the information. I immediately went online and filled out the paperwork, I sent it signed along with my ID and my SSN, I submitted my information on XXXX. I also called Chime multiple times throughout the 2 weeks and was told it was " high call volume '' and was put on hold for over an hour each time. I tried to do customer. No one responded back to me. I called 3 different times on XX/XX/XXXX and waiting over XXXX minutes each time. I emailed multiple times with no response. Then XX/XX/XXXX I go to look in my account at XXXX pm and was told my account had be cancelled and the Chime app logged me out. However I just used my Chime card 3 hours prior to that. I have called and email multiple times with no response, their is no actual human to talk too. You can't use the chat feature unless you are a member and because my account is closed they will not let chat with anyone. Chime is withholding my money from my checking account ( {$190.00} ), my savings account ( {$25.00} ) and my credit builder account ( {$9.00} ). I have been a loyal member of chime for almost 2 years and have never had a problem with them until now. I also think its odd that I have 3 different bank accounts yet somehow chime is flagging my account stating that my SSN is wrong. Ive sent everything Ive needed too and I've exhausted every resource I possibly can. Thankfully this is a backup account and I only put a little money in at a time, however this is still MY money that I worked for.
12/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 91316
Web
Around 8 days ago I went into a XX/XX/11 and made a cash deposit of around {$310.00} dollars i put this cash on my chime card. Later on that day I tried to use my card and the transaction was declined. I tried to get online to view my account balance and my online access was declined. I called chime and the representative stated that my account access was frozen until further investigation. I asked what was being investigated and they stated a transfer from XXXX XXXX that was declined and they asked if i initiated this transfer and i stated " yes '' i initiated the transfer of funds prior to the XXXX XXXX account being closed and I was unable to unlink the XXXX XXXX account from the chime account due to my chime online access being denied. They stated all they needed was my 1. I.D 2. UTILITY BILL OR SOMETHING OF THE SORT WITH MY NAME AND ADDRESS ON IT 3. THEY NEEDED VERIFICATION THAT I WAS IN FACT THE XXXX XXXX ACCOUNT HOLDER AND I GAVE ALL THE ITEMS REQUESTED I EVEN WENT INTO THE XXXX XXXX BRANCH WITH THE BRANCH MANAGER BY MY SIDE TO CONFIRM I AM THE ACCOUNT HOLDER AND CHIME STILL REFUSES TO RELEASE MY MONEY ITS BEEN 8 TO 12 DAYS NOW AND I CALLED BACK CHIME TO CONFIRM THAT EVERYTHING WAS RECEIVED THEY SAID YES WHY ARE THEY STILL HOLDING MY MONEY WITHOUT ME BEING ABLE TO ACCESS ONLINE OR THRU ATM. PLEASE HELP. THIS IS NOT FRAUD I AM A SINGLE PARENT. I AM A TAXPAPER. I AM AN HONEST HARD WORKING CITIZEN OF THE U.S. AND I DON'T UNDERSTAND HOW A COMPANY CAN OPERATE WITH SO MANY COMPLAINTS ONLINE I KNOW XXXX OTHER PEOPLE THAT HAVE THE SAME ISSUE. ALL THE ITEMS ARE PROVIDED AND CONFIRMED RECEIPT HOWEVER FUNDS ARE STILL FROZEN AND I HAVE BILLS TO PAY. PLEASE HELP! CHIME MUST BE STOPPED!!
10/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 45239
Web Servicemember
I filed a dispute with Chime due to an unauthorized charge for {$280.00} with XXXX XXXX on my debit card which I reported immediately after noticing the charge and reporting my card holder/wallet lost. The dispute was officially filed Thursday, XX/XX/XXXX at XXXX which I spoke to the disputes representative and provided the required details about the transaction such as when did I notice the card was missing, when did I last use the physical card, etc. Chime got back to me the next day Friday, XX/XX/XXXX at XXXX stating that no error occurred with the charge and the claim was closed. I then contacted them requesting the documents/ evidence used to determine their cause. They did get back to me with the " documents '' they used to determine their claim and everything was inaccurately filed in by the dispute representative such as them stating " none '' when asking if any personal belongings such as my wallet was lost/stolen. When speaking to the disputes representative prior, clearly stated that my cardholder/ wallet was lost. I believe the representative purposely put the wrong information into the claim form for reasons unknown to me and I wish Chime 's quality assurance team, if there is one, would listen to the intake call for claim ID XXXX so they can hear my original answers to the dispute questions. I am very confused and frustrated with the carelessness of this bank 's lack of customer service and inability to make their consumers feel protected. This bank did no research whatsoever to determine my claim and was very unhelpful in helping their customer feel safe and protected. I have also attached copies of emails to and from my communication with Chime about this issue.
01/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble closing card
  • FL
  • 32086
Web
On XX/XX/XXXX and XX/XX/XXXX, money was withdrawn from a checking account in the amounts of {$2900.00} and {$1600.00}. We discovered this on XX/XX/XXXX and immediately called the bank. On XX/XX/XXXX, I received a Chime debit card in the mail issued in my name to my address. I called Chime on that date. It took the 2nd call before I was able to reach someone who ultimately indicated that he had that card/account cancelled. After we closed the bank accounts with the original bank # and were issued a new account #, the 2nd unauthorized withdrawal happened on XX/XX/XXXX. Immediately after this withdrawal I received two more Chime debit cards at my address in my name. I have XXXX. They got on the phone with me and XXXX whereby we gave them the three account numbers, routing numbers, and card # 's. Two of the supposed debit cards account numbers were through XXXX Bank while the third was through XXXX. ( I would like complaints registered with these XXXX banks as well ). We asked for Chime to cancel all three accounts. On XX/XX/XXXX, a XXXX agent and I got on the phone again to follow up with Chime to make sure the accounts were cancelled. One agent told us she could only find one account with the numbers we gave her and indicated she was transferring us to a higher level agent that could further assist. We were disconnected and tried a XXXXnd time where another agent indicated she was transferring us to someone who could help us and we were disconnected once again. Chime continues to ignore us or give us definitive information verifying all three cards/accounts have been cancelled. At one point, we were told, the information did not match their records and they could no longer assist.
06/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75206
Web
On XX/XX/21, I electronically field a disputes to the credit reporting agencies regarding inaccuracy and incompleteness of my record files reported by XXXX/Stride Bank. In response to my dispute, the CRA 's electronically sent a complete copy of my record file to Chime and codified the inaccuracies and incompleteness of the information. Besides the codified dispute, Chime also received a free-form text description of the information that needed to be corrected or updated as provided to me in the electronic dispute. Upon receipt of the disputes, Chime violated 15 U.S. Code section 1681s2 ( b ) by failing to review all relevant information provided, failing to modify the information reported, and failing to report the results of the investigation to results to all other consumer reporting agencies. Upon receipt of the results of the investigations and the resultantly updated reports, on XX/XX/21, I contacted the Furnisher of Information and advised that the certifications of the accuracy and completeness of the information were in error and their updated file records included nearly 30 errors combined as shown in this complaint 's annotated attachment. On XX/XX/21, I received an email from Chime that my dispute had been processed. As you can see from the attachment, errors still exist on all three reports. Either Chime deliberately misreported information known to be inaccurate or incomplete and therefore violated 15 U.S. Code section 1681s2 ( a ) ( 1 ), or all three CRA 's simultaneously misreported the information and Chime failed to establish reasonable policies and procedures for implementing the guidelines for how to ensure the information they furnish the CRA 's is accurate.
03/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 86401
Web
On XX/XX/XXXX I sent a deposit to a cat breeder for a maine coone cat. I found the group on XXXX, contacted the seller XXXX XXXX, she vetted me and answered all my questions. I sent her half, {$600.00}, of the {$1200.00} that was the agreed upon price of the cat with delivery. On the day the cat was to be delivered, XXXX XXXX, she messaged saying her child was in the hospital and that she would be a transport service. She informed me they would reach out soon with tracking information. I received a text message with invoice, tracking, and the website to track the cat. I then get a text message from the company stating I need to pay {$500.00} for a temperature controlled carrier, and that the funds would be refunded upon delivery. I was hesitant at first and contacted the seller, she reassured me that I would get my money back at XXXX when the cat was delivered. So I paid the {$500.00}. A few hours go buy, and then the transport company texts me I need to pay another {$450.00} for insurance. At this point I let them know that I would like to cancel and that I will not be paying any money. They contacted the seller, where she proceeded to call me a liar and say I needed to pay. I did not. Than we came to an arrangement of me paying {$100.00} and her {$350.00}, once I paid, her profile was immediately deleted. The tracking number I was given, was no longer valid. And neither is the website or phone number. I have been fighting with my bank to prove this was a scam even after sending them all the screen shots of the conversations. They keep denying it saying I paid friends. When i asked to see the documents they used in their decision, it is not any of the documents I sent them.
09/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • 407XX
Web
I made a complaint with the XXXX in XXXX and was told after several responses back and forth from chime that I needed to file another dispute for the claim in regards to providing more information so I did. Not even 24 hours later from the time I submitted the claim an email being denied the dispute yet again. I didn't even get a chance to submit my documents or anything. I know they did not have the opportunity to even investigate the claim as they are suppose to do. I received an email today with the " documents '' they stated they used in order to determine the outcome to my dispute and they didn't even use anything as they are suppose to contact merchant and get other type of information in order to settle. I've attached the documents of the only thing they've seemed to use the items attached to the email they provided me stating that these are the documents they used to determine my claim. The customer service representative also that took my call filing my claim over the phone also provided false information as to asking questions in regards to filing this claim stating I didn't have no documents for proof. They also haven't actually looked at the documents that I've provided every time I file this dispute over the charges because they will see that not only does the account linked to my chime account is not my account that I provided proof from. Also the fact that when I got access to my chime account again they didn't see that I had to change the phone number address and email associated with my account since it wasn't correct. I've never had another address than the address I have now. Also attached is the linked bank account as well as proof it isn't my account.
06/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CO
  • 80110
Web
I bank with Chime, unfortunately, but not for much longer after this experience. Sunday, XX/XX/XXXX, I woke up at about XXXX. I immediately saw that there were 5 new charges on my card. XXXX XXXX on XX/XX/XXXX : {$100.00} XXXX XXXX on XX/XX/XXXX : {$30.00} XXXX XXXX XXXX XX/XX/XXXX : {$65.00} XXXX XXXX XXXX on XX/XX/XXXX : {$4.00} XXXX XXXX XXXX on XX/XX/XXXX : {$4.00} I immediately cancelled my card and called Chime while I was looking for my purse. My car 's passenger door was just slightly open ( I guess I had left my purse in the car after carrying in groceries the day prior ). My purse also had my roommate 's card in it so I could grab them something the day prior. They charged my roommate 's card for a couple XXXX as well. Chime said, on the XXXX, that these transactions were still pending so they couldn't do anything. It was frustrating, but okay, you know? What could I do. XX/XX/XXXX the charges finally cleared. My roommate and I both disputed the charges immediately and received an email saying they would investigate. Less than an hour later, I got a denial. I called to figure out WHAT in the world would cause a denial, as they sent absolutely no information as to why. I called to let them know I had a police report, I needed this reopen. A simple investigation would show that what I'm saying is the truth. I even sent them the police report when they agreed to reopen it. I immediately received a denial again and they said they would send me documents as to why within 10 days ( 10 days??? ) My roommate, however, was immediately given a temporary credit and her investigation is still ongoing. She never filed a police report. She never even had to call them.
12/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 10314
Web Servicemember
On XX/XX/08 XXXX days after my direct deposit I received an email my checking, savings and credit builder accounts were closed. I immediately called the bank number XXXX and spoke to an agent. The agent reviewed my account and transferred me to another agent. In total I was transferred XXXX times and was informed I needed to send an email to XXXX with my mailing address for the refund. I sent an email and received a response was informed They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure and does not qualify for a refund. i emailed Back four more times with the same response. I had a separate issue with fraud over XXXX weeks ago and not sure if this was related or not as they will not tell me. I then received another email stating Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. For immediate assistance, call us at XXXX. Please let me know if you have any additional questions! I called the number to be told they will escalate the case to only receive the same response. Chime took my hard earned money in the amount over {$2000.00}. I sent an email back stating a hardship being a veteran with PTSD. I have Bills and obligations. Its the holidays. I have Tried in good faith to recoup my direct deposit. This is stealing someones direct deposit. Only deposits to the account are direct deposits. I work Hard for my money and in a desperate situation. Ok if whatever they closed the account but the funds in there are mine.
05/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • FL
  • 32209
Web
This happen on XXXX XXXX when I called chime concerning something else and the transaction was brought to my attention which was unauthorized before the call was started I let that representative know that the car was being recorded but the problem where it starts is that that representative did not put down the amount of charges that was set over the phone when they submitted that claim that claim only had 53 transactions and they told me 72 transactions over the phone the transactions was made with the same payment method.BUT TO fast forward the story XX/XX/21 they granted that IS WAS AN error THAT been made AND THAT dispute # XXXX {$230.00} and {$9.00} but THEY denied the the other claims WHAT HAS the same payment method as the ones they found error which is odd.disputes BELOW ARE still waiting to hear # XXXX = {$93.00} # XXXX = {$190.00} # XXXX = {$780.00} TOTAL AMOUNT = {$1000.00} IS WHAT IM STILL WAITING FOR TO BE GIVING BACK AFTERNOON IT BEEN TAKEN WITHOUT ME KNOWING. MY CLAIM WHAT'S PURPOSELY SABOTAGE AND WASN'T SET UP THE CORRECT WAY AS WE UNDERSTOOD IT WAS ON THE FIRST CALL SETTING THE FIRST CLAIM UP WHEN I WENT TO GO CHECK THAT CLAIM THAT WAS SET UP WITH US OVER THE PHONE IT DIDN'T MATCH WHAT WAS SAID THAT YOU MADE SURE TO NOT MAKE A MISTAKE ON BUT MADE IT ANYWAY SO I COULDN'T USE NO CHARGES FOR A NEW CLAIM .... BUT THAT THREE OTHER DISPUTES CLAIMS THEY MAKING ME WAIT 45 DAYS BEHIND THE ACTIONS UP AND REPRESENTATIVE WHO WASN'T TRUTHFUL OR HONEST ABOUT WHAT HE OR SHE WAS PUTTING DOWN ON PAPER TO SUBMIT TO THE DISPUTE TEAM WHICH I'M NOW SUFFERING BEHIND THAT ACTIONS OF THAT REPRESENTATIVE WHICH IS NOT FAIR I'M LATE ON BILLS BEHIND THIS ACTIONS OF THAT EMPLOYEE
11/21/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • FL
  • 33837
Web
On XX/XX/20 i received a notification from Chime bank that my account was in the negative for over {$200.00}. I was surprised because i only had {$13.00} to my name because i was unemployed. When i checked my account a hotel i was staying at charged me an additional {$180.00}. No explanation whatsover. I had paid up to the date i was supposed to check out. I wasn't supposed to check out until XXXX i actually left 3 hours early. The room was left immaculate I even took photos. Now the only card the card the hotel had on file was a temporary card because i had lost mine. I never gave them my new card info. Yet somehow they were able to charge my card for {$180.00}. How was this possible? I only had {$13.00} to my name. How did Chime pay this? I complained they sent me a dispute form which i filled out and returned that same day. For over a month i never heard back from chime. This past Wednesday my new employer put my direct deposit into my account and chime took it to cover the {$180.00} still leaving me - {$9.00} in my account. Ive called them and emailed them everyday all day and all they keep saying is that theyre working on it but they have up to 90 days to return the money. Thats XXXX, it took them seconds to take my money why do i have to wait 90 days to get it back. I want my {$190.00} back. A friend gave me this site so thst i can get help. He says you helped him with chime also. I dont understand how they paid that money when i only had {$13.00}. Its like they did it on purpose. Please any help would be greatly appreciated. My name is XXXX XXXX, the merchant was XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Florida. My email is XXXX and my phone number is XXXX thank you
10/01/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • NY
  • 13502
Web
Chime has suspended my account without telling me, and I do not have access to the funds I held with them. I tried to have it unlocked in XXXX ( communication happened on XX/XX/XXXX, XXXX, XXXX, XXXX ) but I did not follow up. I tried to have it unlocked again in XXXX, and still have not managed to do so. I tried to switch the email address associated with my account ( because I suspected that their messages are being filtered out as spam by my provider ), but they could not do it. I also told them I have moved, but they said they needed a proof of address for the address that I entered when opening the account. They are requesting documents from me ( government ID, secondary ID, proof of address for the first address ), all of which I have supplied to them ( several times from an email address different to the one on my account, and twice from the respective address on XX/XX/XXXX and XXXX ). I call them on an almost daily basis ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and am ( among other things ) being told that my documents are being reviewed and someone will get in touch ( which they never do ) or they make up some stories about departments that don't exist. Every time I call, the person ( even supervisors ) tells me that I need to send them the documents and I have to tell them that I already did and am waiting for an outcome. Then they say they are forwarding the case to the back office for checking and that they will message me, but no one has ever written back. I have money in that account, they suspended my account for no good reason, never told me about it and are ignoring my requests to lift the suspension to gain access to my money.
12/01/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • MO
  • 64114
Web
Chime lies about referral bonus credit. I can not believe that a business that claims to be customer centric who wants more customers to use it's app and business, repeatedly lies about referral bonus Especially even after confirming referall bonus eligibility. Chime offered referral bonus XXXX $ to me when i opened my account. I referred my family member. My family member opened that account using my link and successfully created a chime account and made her first Direct deposit in XXXXXXXX For reference my family member email id is XXXX Her name is XXXX XXXX XXXX. She received her referal bonus of XXXX $ without issues. But when i did not receive my XXXX $ referral bonus i contacted Chime customer service and more than once i was told that they have confirmed my eligibility that they have manually applied XXXX $ credit to my account and that i should see it reflected in my account in 3 to 4 business days and then wheh it did not credit in that time, another agent reconfirmed my eligibility and said it will credit to my account in 7 to 10 business days. And yet again when that did not happen, i was told that its techinal error that they can not do anything about it. I can not believe how deceptive this company is. How can customers trust and continue to do business with a company that does not honor its words and trains it's customer service agents to lie to customers? And not offer any meaningful help? Im disappointed in their click and bait approach. I have attached screenshots of my correspondence and proof of my referrla link, and I am reporting to XXXX and CFPB of Chime 's dishonest practices, so this is recorded for use by these organizations.
08/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NV
  • 89147
Web
I was sending a friend monies and I only have a chime account. I saw the pay anyone. I entered in her telephone number. I called chime minutes later asking how long before the link would be sent to XXXX XXXX phone. I was informed an individual that has a chime account at one time had XXXX XXXX number and they hadn't updated their information. This transaction should have been canceled but Chime told me there was nothing they could do. I had XXXX next to me and explained to them XXXX is the owner of this number. I sent XXXX. I live on a fixed income. XXXX was borrowing the money and was paying me back in 2! days. I have spend the last 7 days on the phone with chime as they continue to dispute my claim. In the meanwhile the chime member that has the same number withdraws the XXXX. This should have been canceled the minute I called and raised a red flag. They ask me to provide proof XXXX owns the phone. Which I did XXXX went to XXXX and had her latest bill printed. Chime never intended on refunding me the monies nnif I wanted to pay a chime member such as XXXX I wouldn't have done the pay ainyone ni did not enter XXXX number I entered a phone number. Chime says its XXXX fault for recycling s number. I say chime was careless and should have canceled the transavtoon when XXXX didn't receive the link immediately as promised. It's not their money. They don't care or have any interest in protecting their clients. In the meanwhile my bills are bouncing I'm piling upon overdraft and late fees return check fee. This is so stressful. I have been on the phone with yen for 8 days and they take minutes to send me a denial. I need help. I have no idea how I'm gon na recover from this
03/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MS
  • 39401
Web
At end of XXXX I ordered a XXXX XXXX gift for my wife online from XXXX XXXX XXXX XXXX. The order was supposed to arrive before XXXX XXXX. Well the order never came I even sent a email to the company telling them I never received a confirmation order number and that I have not recieved my package. Well my Bank whitch is CHIME I had made a dispute to get my money back well Chime Bank gave me the run around told me itll take 30 days well they waited until that last day then told me my dispute was closed! And that there investigation team decided to close it out..I still have not gotten my money back so then i did a rebuttal on the dispute because there decision is wrong Ive never recieved my item and they basically took my money!! I even sent screenshots and emails to CHIME BANK from the XXXX XXXX XXXXXXXX XXXX Where they had told me my order was cancelled and that my money was being refunded back to my account.. I sent all that info to Chime they recieved it and still did not want to give me my money they told me itll take up to 90 days for my rebuttal well they closed out my rebuttal and are trying not to give me my money thats rightfully mine CHIME BANK told me that I need to email the company and get my money back myself! I told them thats not how this goes..that Chime is my bank and I made a transaction off my chime card through there financial institution so there for its there responsibility to have my back Help me and take care of me there who I Bank with! CHIME BANK refuses and keeps giving the run around about everything and will not return my money back to me. Chime Bank has treated me very horrible and UNFAIR. I need my money back from CHIME BANK FOR {$50.00}
12/09/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60610
Web
Simply put Chime ( and its banking partners XXXX XXXX XXXX XXXX XXXX ) are unreasonably withholding funds and freezing my account. Im not sure if its a scam, fraud, or just a terrible business model, but my account has been frozen for absolutely no good reason. They have claimed suspicious activity in my account, which is puzzling since I have not made a single transaction. I initially deposited {$10000.00} on XX/XX/2020 from another bank I work with ( XXXX ). I solely deposited the funds to generate a higher interest rate on some savings. After being told my account was under review on XX/XX/2020, I was asked to provide proof of funds from the source ( another bank ), which I provided on XX/XX/2020. Despite providing that, they proceeded to freeze my account on XX/XX/2020 and asked for a list of additional information. Once again I provided everything requested of me, on XXXX. I have e-mail record showing I would have a response in 2 business days, which I have not received. Ive called multiple times and Ive been given false timelines for an update, and been told this has been escalated with zero response so far. After doing more research, its clear I am not the only one with this type of issue. In addition to making Chime customer service and their CFO ( XXXX XXXX ) aware of my issues, I have also made aware Chimes banking partner XXXX XXXX ( and its affiliate XXXX XXXX XXXX XXXX XXXX ). Specifically Strides customer service team and head of marketing ( XXXX XXXX ) and XXXX CFO and head of investor relations ( XXXX XXXX ). Protect consumers from this company. Force them to act legally and ethically, or otherwise the FDIC and consumers will be left holding the bag.
01/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • IL
  • 60435
Web
On XX/XX/XXXX, I submitted a complaint that my account was compromised and {$2200.00} was wrongfully taken out of my account from a random third party. My account was then closed XX/XX/XXXX. On XX/XX/XXXX, the amount of {$2200.00} was refunded back to my account, however the account was already closed. I received a notification about the dispute being refunded, however, it was in my junk folder and I did not see it until XX/XX/XXXX. According to my transactions history, Chime redacted the refund on XX/XX/XXXX. I have not received any notification to where the money that was rightfully mine went. I then contacted Chime in regards to my money and was told the inquiry would need to go through to investigations and they would reply with XXXX hours. That time had elapsed and no update. Eventually, I was calling every XXXX business days in regards to the same situation and every time, it was treated as if I had never called in the first place. I finally got some feedback from Chime but it was only that the dispute was approved and the {$2200.00} was approved and paid out on XX/XX/XXXX, but nothing about the transaction from XX/XX/XXXX, the date of the issue I was complaining about, Chime taking my money from my account without any notification. It has now been over XXXX month of continual contact with Chime and no improvement, no updates and no payment of {$2200.00}, that is rightfully mine. The following are ticket numbers over weeks of complaints, including supervisors in disputes that stated they would handle the situation with no avail : XXXX XXXX, Supervisor dispute intake dept XXXX XXXX, Supervisor dispute intake dept XXXX XXXX, Supervisor dispute intake dept
06/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • VA
  • 22655
Web
XX/XX/XXXX I got emails saying my phone number and email were updated on my Chime account. I then had 4 different charges back to back to back 2 for XXXX one for XXXX and one for XXXX. 3 at XXXX XXXX and one other charge. So of course I see this, I freak out and email Chime multiple times. I said hey, someone else is accessing my account, it isn't me, several emails... they switched it back, the other party then changed it again and I panic and email Chime again and told them of the fraudulent charges that drained my bank account. They let me know that I can dispute the transactions once they were no longer pending. The next day, my email changes again and it isn't me doing it. I notify Chime of this. They switched it back... so that evening XX/XX/XXXX, I'm able to dispute the charges because I can use my app at that point .... next morning XX/XX/XXXX I see where I have a new card on the way, my funds are being refunded. Later that day I get an email... however I'm addressed as XXXX and not XXXX, and told my account is on hold. I'm enraged at this point and I email back saying my name isn't even XXXX ... and told them what was happening. I later get an email that my account is being closed and I won't get my money. Yesterday and today, I get an email asking for a picture of my ID front and back ... and a selfie of me holding my ID with a paper held up with name date on it. I did that twice yesterday because they said I didn't provide the documents the first time... same with today XX/XX/XXXX... I emailed them those pictures twice. I then received an email saying my account is closed and not getting my money. That account had every XXXX I had to my name in it.
06/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • UT
  • 84107
Web
I filed a dispute with Chime bank for two transactions. One transaction on XX/XX/XXXX for {$8.00} and another for a transaction on XX/XX/XXXX for {$1100.00}. I filed both transactions at the same time advising chime that the transactions were not me and they were fraudulent as my wallet was stolen at a concert. Chime accepted the transaction on XX/XX/XXXX acknowledging it was fraud and refunded me the {$8.00}. To my surprise the transaction on XX/XX/XXXX for {$1100.00} was denied almost immediately. I asked them why the transaction on the XXXX was fraud and not the one on the XXXX as of course if my card was compromised on the XXXX, why would it not be on the XXXX. They gave no explanation as to why they approved the one for {$8.00} and not the one for {$1100.00}. They gave me the option to file a rebuttal, so I did. In the rebuttal I even provided a police report I filed with my local police department saying my wallet was stolen and unauthorized charges. They denied it almost immediately again. Frustrated I am missing {$1100.00} which was my rent money I reached out. They said I could file a rebuttal again. I did so, and again next day denied. The quickness they denied the claim for {$1100.00} makes it seem like there was not even an investigation. Fed up, I closed my account, still missing {$1100.00} I trusted putting into the account. With that I had to get loans to pay my rent, and they made a final decision of not investigating my dispute. Highly upset. They advised me that they would send me over documentation that would show why they made the decision they made in 10 business days. A month later still no documents showing why they made the decision they made
08/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • TN
  • 37415
Web
I rented a car on XX/XX/2021 for 30 days at {$1500.00}, immediately had mechanical issues with my rental since the moment I picked it up, you can pull call history showing on XX/XX/XXXX I called 5 times and was told I'd be responsiblefor towing the vehicle and several other things from each different representativeI talked too. Front tire sensor out, rear back tire deflating and oil life at only 7 % to name a few issues. After finally getting the only vehicle available to switch out, I was able to exchange last week and was told I'd receive either a 50 % discount on my monthly rental rate or your company would comp my rental for the month of XXXX. Fine. Of course I go to call the local branch, no answer. Went into the local branch i was told they can't do anything and gives me a XXXX number, I call and sit on hold for 15 plus minutes then get disconnected, I've done this on and off all week! Can SOMEBODY from your company RETURN my call?! The return is due tomorrow but I literally just got a vehicle that was up to safety standards and need to either get my refund or extend this rental! I guarantee that if I don't return it tomorrow you'll be hounding me and I want this email to document my willingness to try to contact your company for remedy. It's been a month of nothing but problems and nobody wants to address this and I've paid {$1500.00}! That was the email that prompted the 50 % discount and extension of my rental. By the time the stopped charging my credit card it was to the tune of {$4600.00}! I had disputed these charges with my bank and even replied to their text when they were trying to authorize the charge, I told them no and it still went through!
08/23/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • MO
  • 63020
Web
In XXXX on 2022 I made a purchase from XXXX XXXX XXXX ( owner of XXXX XXXX XXXX XXXX XXXX XXXX ) for a pair of custom made pro wrestling trunks the purchase was made between XXXX XXXX and XX/XX/XXXX of 2022, for a grand total of {$180.00} fees included. I was given a completion date of 4-6 weeks after payment was made, over the course of 15 months, I was give excuse after excuse by XXXX XXXX on why my order was not completed or shipped, from seamstress issues, to travel and injury issues, to being told they were in progress, to being told he didn't have the material. At one point XXXX XXXX offered to send me " 3 bottles of the gas '' a reference to illegal injectible steroids for the year long dealy in my order, I asked for a refund, and was told no bc it would put XXXX XXXX out XXXX $ somehow on materials he never ordered. I escalated the issue with chim to dispute the charge as items not received. And over the past 2 months chime has concluded there to be no error, with each denial I requested an elevation to see what documents the used in their findings, and each denial reason has been proven false with the 10 documents I submitted to chime, with highlighted notations on information pertaining directly to the dispute case. Several times my dispute would be opened, denied and closed in a matter of hours, proving to me the disputes department at chime does not take the supporting documents into consideration when requested. In the last few months XXXX XXXX has stopped reading and replying to my requests of updates on my product, while posting to his social media looking for a wrestling ring ( XXXX cost ) and even sitting in airport lounges drinking the day away.
08/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MS
  • 39402
Web
On XX/XX/2023, I uploaded {$25.00} to my XXXX XXXX Chime Card. This was a cash deposit/upload performed via XXXX. Later that night I initiated a {$25.00} payment to XXXX XXXX XXXX. On XX/XX/2023, there was a statement on the top of my online Chime Checking Account that stated that XXXX 's transaction had been removed. However, XXXXXXXX XXXX Chime failed to return the funds back into the checking account. XXXXXXXX XXXX Chime XXXX functions as a XXXX XXXX XXXX just like the XXXX XXXX XXXX at XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX etc. On the other hand, XXXXXXXX XXXX Chime Card fails to deliver a itemized monthly statement - as all United States Banks are govern to do - showing the subtraction/balance/deposit/balance as is rightfully awarded from banks such XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX This practice of XXXXXXXX XXXX Chime violates the Amendment IV to the Bill of Rights of the US Constitution because they fail to give their customers the right to feel secure in their papers as is provided by other US Banks. This practice of XXXX XXXX Chime violates the American Citizen 's Right to the Amendment I to the US Bill of Right, because their telephone practice prohibited and abridged my freedom of speech. The robot of which XXXX had answering the phone failed to connect me to customer service - I had to choose identity theft in order to speak to a human being. XXXXXXXX XXXX Chime violated my rights and all citizen 's rights to the Amendment IX of the US Bill of Rights because they deny us this right that is given to us from banks of the United States to have a fully itemized monthly statement of which is a right retained by other US banks.
06/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 324XX
Web
On Friday, XX/XX/XXXX I attempted to send money to a friend via Chime. The receiving party instructed me to send the funds to their mobile number and that they would collect the funds by linking the number to an account or by accepting the funds to their XXXX XXXX. I sent the funds to the number I was given. The amount sent was {$230.00}. As soon as I sent the funds to the number I was given, the Chime app indicated that I had transferred funds to a different person. The intended recipient had a new mobile phone number and the number was obviously attached to the Chime account of whoever had the mobile number before, so the money was delivered to the account of someone I do not know and someone I didn't intend to send the funds to. I immediately called Chime to report the mistake and was told that they would open a dispute and took some information and that was it. I later received an email that the claim had been denied. I called Chime a second time and asked that they reopen the issue. They did and again denied my claim. I then called Chime a third time to ask that they reopen the claim and I again clarified that I am not disputing the transaction but that I made a mistake and need to recover funds that were sent in error. I informed them of the mistake within minutes of having originally sent the funds. I told them I made a mistake. I do not understand why they couldn't have helped me to recover the funds. They never even attempted to help me. I made a mistake and I want to recover these funds that I sent in error. If the bank made an error, they would recover their funds. Chime needs to do the right thing and assist me in recovering the funds I sent in error.
08/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • LA
  • 710XX
Web
I had an issue with my bank card and canceled it. I realized that I had a deposit coming in and wanted to call Chime and asked make sure that it was not gon na affect my deposit coming in so I looked on XXXX and found Chime customer support and called the number that was advertised on XXXX. The gentleman that answered the phone actually said job support and how can I help you and went through the process of asking questions that was very legitimate sounding stuff to walk me through the steps to make sure that I was who I said I was made me believe everything was legitimate and that I was in good hands with the support team. as the conversation went on he had me download an app on my phone so he can mirror my phone which Im the XXXX fool yes but Ive reported this to my real Chime bank and explain to them the situation they filed a dispute but they denied the dispute and they didnt give me a reason why they just said they were not the first they said they were going to cover the money that I would get reimbursed for it that I was covered because it was an authorized transfer and then I guess they decided that they werent going to take care of it and I feel like Ive been done wrong but I feel like they should cover it because I did not authorize this money to be transferred into someone elses account its {$540.00} that I didnt have to send somebody to rip me offAnd theyre advertising on XXXX which is supposed to be from what I understand a safe site to go to define what information I need to search the web and do what I need to do I feel like something needs to be done to ensure that people are not getting scammed by these people and I feel like Ive been let down
03/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OH
  • 444XX
Web
The first time this happened was on XX/XX/XXXX and it took until the XXXX to get it resolved. Basically what happens is I buy things on the website what night and a few of my orders got canceled so they tried to refund my money last night and Chime would not take it now this is happened to me once before. Now I had to spend over two hours on the phone the first time with six different people who could barely speak XXXX much less understand it just to be told I need to file a dispute against my own refunds. Yes thats what they made me do. In order for me to get my refund put back on my account I had to file a dispute and it took five days. Well what not refunded me some more of my own money last night it was from an order on XX/XX/XXXX and The order times were XXXX XXXX and XXXX PM and the amount respectively were {$10.00} then {$7.00} then {$9.00} and again what not tried to send it back to me last night when the order got canceled and Chime refused to take it. So I had to do this again where I get on the phone and spend two hours dealing with these people again who have no idea what XXXX actually is and I still get screwed and I have to waitLike five days they do this every time even though Ive told him do not do it they just refused to put me through the supervisors they hang up on me they refuse to do everything I ask they are a horrible company and Im done with them what theyre doing basically is withholding my money until I call in so they can try to ply me with new offers and do a bunch of crap like that and Im sick of it. I want something done about this theres no reason I should have to call and file a dispute on my own money coming back to my account
01/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • CA
  • 94513
Web
Around XXXX late XXXX I had XXXX XXXX. I got a XXXX XXXX check issues from my job XXXX ( XXXX XXXX XXXX ) anyways it had to go through the state and through payroll. So long story short I never received my check. So I ended up asking my boss what I should do he said call HR see if it went through so I did and it went through so I looked on the XXXX app to confirm HR wasnt making stuff up. Anyways it was on there with the last four digits of my account number and all that info. Long story short I called chime and they said theyd look into it and basically said the check hasnt cleared. So 24 hours later I call cause my boss said somethings not right so I did. Chime said Ive never used direct deposit with them and I showed them the transaction number from my jobs end and the picture of my pay statement. Chime basically said I hope you get your money soon. So then I ended up using the messaging thing on chime and I got screen shots of them refusing to help me. And I have proof that the money never hit my account. I told them I need my money and HR wont stop bothering me cause they can get in trouble if I dont get my pay. So chime basically told me tough luck. XXXX something dollars. Its been about a month. I said Id give it XXXX weeks but its been to long already. I need my money from chime and I wan na sue them. My employer will send me any additional info you guys need and Ill get all the info I have together of screen shots of me trying to resolve this issue. This is the 2nd time. But now theyre saying I never used there direct deposit? But whats funny for 6 months I have and actually I just got my direct deposit yesterday proving theyre lying on there end.
11/10/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 85206
Web Servicemember
Initiated & Submitted an atm dispute for {$300.00} on XX/XX/2020. I received an email confirmation of receipt of my dispute form. The representative & email both stated that if the atm dispute investigation wasnt completed within 10 days Id receive a provisional credit by the end of the XXXX day ( business days ). On the XXXX business day ( XX/XX/2020 ) nothing had been credited so I called chime and 1st spoke with a dispute consumer rep was told for some reason, my claim wasnt filed. Went ahead and refiled claim and told AGAIN that if dispute investigation was not completed sooner Id receive the provisional credit in XXXX business days. I explained that {$300.00} was for my cell phone bill and was lucky that my carrier understood what happened and gave me an additional 2 weeks to pay which is up 2 days from today. But now Ill have to wait another 10 BUSINESS days which is almost 2 weeks more! I asked to speak with a manager or supervisor because this is unacceptable. After speaking with manager/supervisor she said so sorry I dont know why this happened but I cant do anything about the provisional credit u have to just wait. I again explained I will lose my cell service because I cant pay my bill by the extended date and will lose service for which I need for my job! Sorry wish I could help supervisor says. So because of THEIR mistake I only not go without the {$300.00} but now Ill have to pay all the carrier fees for disconnected service ( {$100.00} ) + possible lose jobs because no cell phone ( anywhere from $ XXXX {$800.00} ). Thats a lot of money that I desperately need now! So bottom line, Im literally paying for Chimes mistake and their incompetence.
05/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 93906
Web
I notified my chime bank that I got a notification of XXXX charges made on my card however at the time the person I spoke to said that they can not do anything until the transaction goes through which is going to take 3 days after the transaction went through I called back they said they now needed to do and investigation and i would have to wait another week for them to complete it I received an email saying that they had concluded the investigation and found no fraudulent charges have been made I called chime Bank back and was told by an agent and person who claim to be a XXXX the I would have to wait 10 more days for them to send me an email that would have all their findings in it I asked to speak to the claims department and they told me I couldn't because they don't answer calls but when I was directing my questions towards the XXXX he was not able to answer one question the only thing he told me I would have all my answers in the email however upon reviewing the email it states nothing other than them saying I had transferred money at the time of the purchase meaning I was anticipating the transaction however this was completely inaccurate my overdraft feature was active and at the time there was not enough money on my account so when the purchase was made my overdraft feature activated causing my account to go into the negative but also allowing the transaction to go through upon reviewing my statements from that day I only transfered {$10.00} that day but the charges that were made was almost {$100.00} I don't know what's going on with chime bank but it's obvious chime bank refuses to accept that they are wrong didn't do their job and correct it
06/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • OR
  • 97266
Web
Hello, RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX of Birth XXXX Social Sec # - XXXX Release of any and all funds held by chime bank currently My name is XXXX XXXX, and i have been having an issue with Chime Bank. I was with the bank for approximately two and a half years. Early on I obtained a debit card which was associated with the checking account that I never used, and subsequently lost but never worried about because i had deposited no monies into the account. Fast forward two years later and I used my XXXX Account to do a rarely used type of transaction with a customer for nearly {$500.00}. To my shock, the funds went onto a card that I did not recognize which unbeknownst to me was tied into that XXXX account in some obscure setting somewhere that I had not notices ... .XXXX as a Service, almost never use so my navigation in the programing is definitely rusty anyway ... Upon tracking the transaction down it tracked to the account named within Chime Bank absolutely refuses to release my funds. All i have repeatedly asked them to do is to, if in doubt about the owner of the account which is me ( they hav e asked me for my ID four times in a row now ... and on the fourth time I wrote to you and refused ). All they would have to do is issue a check to the owner of the account that they have always had on file since day one and who the account was opened with ... that address used to mail the funds to Please aid me in making these slime balls return my funds ... .because I can promise that without your aid these unscrupulous roaches would have kept my funds. Thank you so much for your time and attention. XXXX XXXX
08/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • AZ
  • 85019
Web
Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2022 Claim Total : {$900.00} I have attempted to resolve this issue with Chime Financial multiple times. They refuse to treat me fairly & give me a proper investigation. On XX/XX/2022 I attempted to add {$900.00} to my XXXX XXXX XXXX XXXX declined my transaction to add funds but the {$900.00} was still removed from my chime account. I followed up with XXXXXXXX XXXX after the transaction cleared in my chime. XXXX XXXX support did a screenshare with my phone & confirmed the funds did not go through nor post to my account. I asked where did my funds go & XXXXXXXX XXXX was unaware & advised me to contact my bank. I have attempted to resolve this matter with XXXX but they have stated they did not receive any funds. The {$900.00} is showing deducted from my account ending in XXXX. Despite my best efforts XXXX has not been able to assist me with funds they deducted out of my account. XXXX is claiming they have never received the funds. I believe they did & it should have been added to my XXXX XXXX I contact my bank after they advise me to contact my bank which is chime financial. I submitted a dispute on XX/XX/2022 and within 24 hours my dispute was denied. I filed a Rebuttal & i included additional evidence that supports my claim and shows that the transaction was denied as well as communication between me and the merchant confirming I did not receive those funds on my XXXX XXXX and Chime Finacial still denied my claim I reached back out to XXXX XXXX and they advised me that chime financial has yet to contact XXXX XXXX regarding this matter so I am not getting a proper investigation.
06/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85711
Web
I had unauthorized transactions on my Chime bank account on XX/XX/22. The XXXX thing I did was place my card on hold, made a police report then I called chime and told them of the unauthorized transactions. They then canceled my current card and would send me a new card and said I would hear back from them in regards to the dispute. Well it took them less than XXXX to do a thorough investigation ( they say ) and sent me an email stating that my dispute was denied no explanation as to why. I don't feel this is correct in any way if they did do a thorough investigation they would see that it was clear that there was unauthorized transactions. Even looking at the times of the transactions was very close together and they only used my card as a credit card ( I never use it as a credit card ). If they were to look at cameras they would see that it was not me doing the transactions. And I would have expected that a bank would have seen how close together these transactions were and automatically put a hold on my account, but that did not happen. I should feel secure that my hard earned money would be safe and it was not. And now I am just supposed to be out {$310.00}? I don't think that I should suffer and be at a loss because they couldn't protect my money. Please help me in this matter. Thank you XXXX XXXX XXXX transactions are as follows XXXX. QT. {$20.00} XXXX. XXXX {$15.00} XXXXXXXX XXXX XXXX. {$4.00} XXXX. XXXX {$5.00} XXXX. XXXX {$13.00} XXXX. XXXX. {$5.00} XXXX. Frys. {$29.00} XXXX. XXXX. {$10.00} XXXX. XXXX. {$7.00} XXXX. XXXX. {$20.00} XXXX. QT. {$21.00} XXXX. QT. {$10.00} XXXX. QT. {$94.00} XXXX. Frys. {$54.00} And non of this was authorized.
05/22/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 28086
Web
Someone messaged me on XXXX selling and item. I asked questions about the item and when it would be sent. The seller answered my questions and put my worries at ease. Once I sent the money, the seller only responded once and I never heard from them again. The last response I got them stated, they would be shipping the item the following morning but that never happened. I messaged the seller numerous times trying to get them to send the item or refund my money. But that failed and never received a response. At that time the {$400.00} charge still showed pending on my Chime account, so I put in a dispute with Chime. Chime never once asked for any evidence supporting my dispute so I decided to reach out to them and get the email of where I should screenshots of the conversation I had with the XXXX seller that scammed me. I sent them screenshots of the entire conversation that included the agreed price, the date the seller said they would ship the item, my multiple attempts trying to reach the seller when they never sent the item. But even with clear evidence that I was scammed and with the charge still pending Chime denied my dispute. After that I looked online and saw that this was common for Chime and that they screw a lot of their customers out of their hard earned money or they don't protect their customers like other financial institutions. But according to Chime 's Terms of Services, they should have force charged the money back to my account once I submitted the evidence for my dispute because of how blatant it was that I was scammed. So Chime violated there terms of service by not doing what they were supposed to do in this type of situation.
05/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 78613
Web
Good morning, I have a checking account with Chime bank. On Friday morning XX/XX/XXXX I bought {$30.00} worth of gasoline from an XXXX gas station. If youre not familiar with Texas grocery stores, XXXX is a widespread chain with hundreds of locations throughout Texas. I shop here frequently, and at some of their locations they have gas pumps. I bought {$30.00} gas on XX/XX/XXXX. This legitimate charge is reflected on my payment account. Later that day I noticed a charge at an XXXX XXXX XXXX for {$100.00}, this definitely was not me but sometimes XXXX will put a hold on debit cards for around {$100.00} so I did not think much of it. However the next day another Unauthorized debit went through on my card for {$76.00}. Again this was not me. I contacted XXXX and their customer service agent confirmed my transaction that was legitimate at the gas pump for {$30.00}, and the agent noticed I used my pin number at that location. Then she went into greater detail regarding the unauthorized charges, {$100.00} charge went through at a location nowhere near my home, and a pin number was not used at the gas pump, she also confirmed that the {$87.00} charge went through yet another XXXX location here in XXXX and again no pin number was used at the pump and the location was even farther away from my home. At this time I canceled my card with Chime and requested a new one be sent to me. I have disputed these unauthorized charges with chime bank, however they denied my claim. It is my understanding that I am not legally responsible for unauthorized charges. For me {$200.00} is a lot of money and what they are doing is bad business and illegal. Thank you very much.
10/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33614
Web
at XXXX on XX/XX/XXXX, I received a portion of my paycheck on my Chime banking account, as was typical for a tuesday night. at XXXX the same night, a merchant called XXXX XXXX XXXX ( likely named such in order to impersonate XXXX XXXX charged me for a total of {$120.00}, divided into 3 segments of {$60.00}, {$30.00} and {$31.00}. at the time of these transactions I was asleep at my home in XXXX, Florida while this merchant is located in XXXX XXXX, California, somewhere I have never been. the next day I called Chime to try to resolve the issue and they told me it was too soon to dispute the transaction because it was still pending. once the transaction cleared, I called again and filed the dispute. later that day, I received an email that my claim was denied. I was beside myself and exchanged several other emails with Chime to try to figure out what grounds they had to deny my refund. their evidence included the fact that I had previously attempted to dispute the same clearly fraudulent transaction ( very illogical ) and that it was no unusual spending velocity, which is simply untrue ( usually I buy a few things at a time, not spend my paycheck all on one thing ). Chimes response was that I can file a rebuttal, but in order to do so I would need to provide documentation that I didnt make the transaction. I have eye witness proof that I was at home that night, not spending money, but I dont see how it is possible for a document to exist which proves that I didnt approve any given transaction. there is no proof or history of me making a transfer, purchase, or transaction in any way similar to the one that occurred with the merchant XXXX XXXX XXXX.
05/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 77303
Web
On or about XX/XX/XXXX, I deposited {$10000.00} into my account with Chime ( account tied to debit card # XXXX. On or about XX/XX/XXXX, I tried to access my account on-line. At some point, Chime allowed an unauthorized person to change the telephone number tied to my account to XXXX ( XXXX, Texas ). My telephone number is XXXX. This individual was also able to change the password on the account so. When I tried to log on to my account, I kept getting the message " Incorrect Password ''. I contacted Chime customer service multiple times between XX/XX/2022 and XX/XX/2022. Chime kept sending the password reset to the fraudulent phone number. Finally on or about XX/XX/2022 I was able to get Chime to reset the password. I immediately noticed unauthorized transactions as follows : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX {$1000.00} XXXX XXXX {$500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$2000.00} ( Return From XXXX ) Credit XXXX XXXX {$2000.00} Total {$9900.00} Chime has refused to refund these unauthorized transactions. Despite several attempts to obtain the documentation that Chime used to reach this initial decision, Chime has failed to honor my request for the documentation. Accordingly, Chime is in violation of the applicable provisions of Federal Reserve Regulation E. Under this regulation, I am entitled to receive a copy of all the documentation Chime used to reach their initial decision. Their refusal to provide this documentation shows a clear disregard for the regulations and has harmed me significantly. Thank you for your prompt attention to this request. XXXX XXXX
02/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • LA
  • 708XX
Web
Currently on call with a representative name XXXX in member services who has not provided disclosure of phone call being recorded. XXXX has verified my account information XXXX different times additionally accepted XXXX different email address I could use to validate my account. Furthermore not stating why my updated email addresses are not valid addresses I can use for my contact email. Ive been on call over and hour now due to XXXX declining to update my account information with the correct email address. XXXX on call has literally stated I shouldve done this at the beginning of the call but I can transfer you to the specialty team. XXXX stated the account has been placed with the specialty team since been. XXXX refused to provide the formal job titles or department of the specialty team, definition of been also why was the account removed from member services with other similar accounts to a specialty team or why was the account reputed to a specialty team. XXXX refused to disclose why werent written disclosures mailed to the address on file when a transaction took place on the account XXXX has refused to update account contact information. XXXX has violated a number of my consumer rights and several violations of the FDCRA. XXXX has disregarded my right to privacy. XXXX has violated 15 u.s. code 1681- procedure in case of disputed accuracy. 15 U.S. Code 1681a- Definitions ; rules of construction. Ive requested that XXXX update my account information to a valid email address so I can rest assured my personal financial information is updated and secured. XXXX decline. XXXX refused to provide me further option but in turn disconnected the call.
03/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TN
  • 374XX
Web
I lost my wallet before the pandemic in XX/XX/XXXX. The transactions in error started in XXXX. I was working off and on doing side jobs at that time so I had steady cash flow, I did not have any reason to use any of my cards. However, The Chimes card, my unemployment card, XXXX XXXX card, etc was in my wallet and the wallet was lost/stolen. I found out that I had unauthorized transactions on all of the accounts when I viewed the online statements involving the missing cards. I reached out to Chime online banking to make them aware of what had happened. I was told that they would file the disputes and that my account would be credited back. I sent a police report to verify that my wallet had been lost/stolen but somehow the police that wrote up the police report forgot to add the other cards that were missing so I sent them the police report that I had. The amount was around five to six thousand dollars based on my understanding that the resolution department disputed thirty-five thousand. I filed two claims this has been going on since XX/XX/XXXX. And nothing has been done about the unauthorized transactions in error. I rebutted the unauthorized transactions as well. I was told today that they could not locate the transactions in error and Chime keeps asking me do I recognize the transactions in error I keep explaining to them no I don't because my wallet was lost/stolen. Chime also, stated that they had cancelled the old card and that when I receive the new card I could call them back and they dispute the charges and that they would credit my account back but that never happened. I want the deposits that went into my account put back on my card
04/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 281XX
Web
On or about XX/XX/2022, I found out a Chime account was opened without my authorization when I received an account confirmation email from Chime. I immediately emailed Chime asking them to close the account, which they did. In follow-up emails, I attempted to get more information about the circumstances surrounding the fraudulent opening but Chime would not give me more information. I completed all of the steps they requested, including submitting 1 ) the last 4 digits of my social security number, 2 ) an Affidavit of ID theft, and 3 ) a copy of government-issued ID, specifically my North Carolina drivers license. At one point, on XXXX XXXX, they emailed account statements to me but, to open them, I had to sign onto their system. When I tried to do so on or about XX/XX/2022, I could not due to a problem with Chime 's system. When I emailed them about this issue, they claimed via email on XX/XX/2022 that it was a known problem with their system and that they would not be able to help me further. More specifically, they stated, " Due to our system limitations, we are unable to assist you further in creating an account and will follow-up with you once a fix is in place. We hope to fix this issue for you in the future, but at the present time, it appears you are unable to enroll with Chime. '' We then exchanged several more emails, the last stating, unhelpfully, that my account was " not in compliance with its internal policies and the member agreement executed at enrollment ''. To state the obvious explicitly, I did not open the account and yet I still have not received any information about who or how an account was opened in my name from Chime.
05/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 32312
Web
This is regarding Chime XXXX XXXX ) Last Friday, I received a notice that I needed to provide a handful of documentation within 5 days, due to another larger source of income that I recently started receiving. I complied and sent it to them within the 5 day period, and they requested more documentation. I explained to them that there was some documentation I was unable to receive that quickly, and they gave me instructions on how to get documentation they would take. They then locked my account on Wednesday, leaving me with absolutely no access to my funds -- mind you, we were a few days away from bills being due ( rent, utilities, credit card payments, FOOD shopping, etc ). I have informed them of this and continued to provide the documentation that they have requested. I am on my third or fourth round of sending them the documentation they requested, and yet their most recent request is to send them something that I've already sent. I have explained to them how crucial it is for me to have access to my funds, especially being a father and sole provider for a household. Not only are my funds unable to be used, but I can not transfer them at all -- as I have absolutely no access to my online portal due to the lock they imposed. They have no physical locations. So my freshly deposited paycheck is being held hostage by them, even though I have complied and continued to send them the information that they have requested. I have already sent them a notice that I will be following up with legal counsel as early as possible next week to sue. I am incredibly disappointed, disheartened, and now regret any time I've ever suggested them to anyone.
08/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30349
Web
I use Chime as my bank to have my XXXX deposited as well as of every other dime of money saved. I had a charge that I did not recognize from Chime on my credit report. So I found Chime 's customer support number online and called went the prompts and finally got a rep on the line. She announced her as XXXX XXXX. She went through all of the verifications. So I explained to her there was a credit card on my credit that I did have have and told her the balance of {$1500.00}. She took me through downloading an application that gave her the permission to see what I saw on my Chime account to get this removed. My phone died in the middle of our conversation so she called back and left her name and number as [ phone redacted ]. I called her back long story short she took my money from my savings and credit builder account and transferred it to my checking account and had me put in the reason field Transferring to XXXX XXXX Once this was completed, she said my funds would then showed she correctly within XXXX minutes and hung up. I called back confirm what was exactly done and I reached another representative and she said it would show the next day and hung up quickly. I went and looked at the balance in all of my accounts and they showed {$0.00}! I called the number given and got no answer. I had my daughter call and the number was disconnected! These people took out every dime in all of my accounts. My XXXX, every XXXX to my name was gone. I called a different number given to reach Chime and explained what was done and I filed a dispute and gave documentation to support what was done. It took Chime a day to confirm that I would get no money back!
07/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 85015
Web
I began using a new bank this week, Chime Bank, based on the fact that they help build credit and seem very easy to work with. My paycheck was direct deposited into my Chime account at XXXX on XX/XX/XXXX, totaling XXXX dollars along with a XXXX dollar referral bonus. Because the account was opened this week, I had yet to receive my debit card. I needed to transfer some money from Chime into my alternate checking account but could not figure it out in the app. So at XXXX on XX/XX/XXXX, I called Chime customer support where they attempted to assist me and claimed my account needed to be activated and they would take care of that for me. The customer service agent instructed me to check the app again in 45 minutes and I would be able to transfer money without any issues. When I went to check my account an hour later, XXXX dollars had been transferred out to a dummy account leaving me with XXXX dollars. I immediately called Chime and after 3 hours they were able to confirm that my account had been hacked by the previous customer service agent and they had taken my money. Chime said they could not give me a temporary credit and could potentially never get my money back. I've filed an official police report against Chime and the customer service agent that hacked me. Chime is currently investigating the fraud and will be updating me. I can supply those documents to you as they come in. Because of this, I can not pay rent, can not afford my prescriptions, dog food, gas, phone bill or any food for myself. I'm broke until my next paycheck and even though Chime can confirm it was their employee who took my money, they refuse to do either to help me.
06/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NJ
  • 07103
Web Servicemember
Account Number ending in:XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1100.00} I have been using Chime with relatively few issues since doing business with them. After an unfortunate situation where my Chime card was somehow compromised and debted multiple times without my authorization, Chime has disappointingly failed a loyal customer by almost instantly denying my claim ( after the charges went from pending to claim ) seemingly without a thorough investigation. I was sent a Fraud notification only after multiple unauthorized charges was made and responded accordingly. I received a fraud Alert and replied ( NO ) that I did not authorize any transaction by " CXXXX XXXX XXXX ( Screenshots provided ) I have since requested an appeal as well as the documents used to support their denial decision. I was told I may receive them in 10 business days. I see no reason why Chime 's Dispute Department aren't able to send them now. Especially since their team is available 24/7. I believe instantly denying a claim and Then attempting to " find '' details within 10 business days is very backwards in my humble opinion. I like Chime. I like Chime very much. The services Chime offer are exceptional and easy to use. I hope Chime will investigate more thoroughly during the appeal. I am asking the XXXX to mediate and help Chime & myself resolve this unfortunate situation nd avoid small claims. Respectfully with love, XXXX Added Note : I was given the option to request the documents used to come to a decision OR to file a rebuttal. Never given the option to rebuttal the documents used.
08/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 16602
Web Servicemember
I have had my chime account for a few years now and up until recently I never used it-and now I remember why. I was always told not to use chime because the way they are with customers is unprofessional, rude and wont care to help you, the funny thing is those people were 1000 % right! I had some fraudulent activity on my chime account-about 5 charges exactly and as soon as I noticed them I filed a dispute right from the app. When I tell you not even 5 minutes after I hit the submit button, I received two emails stating that the disputes I literally just filed were both declined-I almost lost my XXXX! I immediately called customer service and explained the reasoning for my call and not only couldnt o understand the woman trying to speak English, she wouldnt let me get a whole sentence out before she was talking over me! She was absolutely horrible, and told me I was basically out the money that was stolen out of my accountalmost {$450.00}! I demanded to speak with a supervisor who I finally got to speak to after waiting another 56 minutes on hold. that was a total waste of my time as well because she told me she could put in for a rebuttal against the denied claims but she didnt know if that would even matter and told me that she would have to put in a special request for the information they used in order to come up with the denial and that it would also take another 10 business days for that information to be sent out to me. Its hilarious how your customers are given the run around for basically everything-you people deny fraud claims IMMEDIATELY after theyre filed and cant even give an explanation as to why!!! I WANT MY MONEY BACK now!
06/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • MI
  • 48335
Web
I was with chime for years before they became " popular ''. Last year I went through some financial hardships and money was not coming in as I would have liked I was unemployed for months. My account was overdrawn XXXX and something dollars. I have recently found a job and I was able to get my account back in good standing, I tried to log into my acct and received a message that my acct was closed and to contact customer service. After a day I got an email saying that they are sending my account to another department. After that the department emailed me saying we can't re open your acct due to a negative balance... I reached back out because I am legit confused how can a company that states no penalties for overdraft accounts to closing my account with no notice no nothing. Like I know that they don't have to tell you but I got an email from them about everything else especially regarding that dumb spot me thing. But never got an email stating that my account is about to close and what can be done. I still have not heard back from anyone regarding this after replying back to the email telling the rep I wanted a supervisor to call me and provide clarity and next steps. They did nothing. I dont think its right that they don't even try to assist or provide clarity or provide information on what will happen next or even telling me there is nothing to be done they just ignored me. So now I'm taking my reviews here, XXXX, XXXX, XXXX XXXX. Like I said I had the acct for yrs no issues no fraud no nothing and they just basically threw my account away and refused to offer any assistance even after I told them I will be taking this to social media.
10/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MO
  • 64138
Web
On XX/XX/2023 I received a text message from Chime At XXXX, saying.. ( Did you try to use your Chime card for XXXX {$.00} at XXXX XXXX XXXX XXXX Reply yes or no ). I immediately replied no, checked my account and saw a withdrawal at XXXX for XXXX ,, I immediately called them and spoke to a representative in which she told me that the transaction at XXXX XXXX for XXXX $ had been blocked, but the transaction for XXXX was pending and that there was nothing that she could do at this time for that transaction because it was still pending. That I would have to wait until the Transaction was completed before i could dispute it. I checked my account all weekend and finally on Tuesday XXXX XXXX XXXX it had completed the transaction of {$400.00}. I immediately called Chime to dispute the transaction. They opened a dispute of a case # XXXX and at XXXX they had contacted me via email that the dispute had been closed due to no error occurred. I called them again immediately @ XXXX to dispute their decision and had the case reopened. With a case # XXXX. I then received another email & XXXX stating the dispute had been closed again due to no error occurred. I then called Chime again XXXX at XXXX to dispute their decision again. They reopened the case again and again emailed me @ XXXX stating they were closing the case and I was denied my refund of {$400.00} due to no error occurred. Now I am reaching out to you all pleading for my refund of {$400.00}. I am a XXXX mother and I know my account was hacked/compromised and so does Chime especially since they were the ones who contacted me first to Make me aware of that moneys being taken out of my account.
12/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • IA
  • 503XX
Web
On XX/XX/2022, I noticed a transaction in the amount of {$340.00} as an ATM withdrawal. The transaction happened at XXXX XXXX. and I called chime at XXXX XXXX. to inform them that I did not make this purchase more authorized this purchase. I also inform them at that time that I had my card in my possession so I was unsure how this was even happening. They informed me that it would have to be solved with their dispute team. The dispute team told me that I would have to provide information showing I did not make this transaction. At that time I went to the location that the transaction was made with a police officer and requested video tape as well as made a police report. Within one month from the date of this happening, they had closed the dispute saying that it was unfounded. At that time I reached out to detective XXXX XXXX who informed me, three other people in my local area had the same thing happened to them on that same day. XXXX submitted documentation to me which I will submit the below that I sent to chime. They told me I had to wait anywhere from 10 to 90 days to receive a refund. Today is the 90th day which was the resolution date and I've yet to hear anything back pertaining to me getting my money back. XXXX XXXX gave me this information and told me that I should reach out if they do not give me my money back in a timely fashion. I have given them the requested amount of time and now I am getting frustrated and upset because I should have been reimbursed the same day. Had I dealt with a actual bank instead of this hole in the wall company, I would have my money back by now. Lesson learned but I still want my cash. Thank you
08/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • AL
  • 363XX
Web Servicemember
On08/17/2022 I was purchasing a vehicle and needed to send the money to my friend XXXX XXXX phone number XXXX. Evidently I fat fingered a number and mistakenly sent it to the wrong person. I immediately contacted chime. They informed me that there was nothing they could do and that I needed 5o contact the person I sent it to. I have requested the {$1500.00} that I sent to $ XXXX back XXXX There has been no answer back or any payment from her. I had the representative on the phone and my app opened up while the rep was telling me how to cancel the payment and it was only XXXX minutes when they told me there was nothing more they could do. I find it hard to believe that they could not try to contact the receiver and inform them to return the money or help me in any other way. The transaction number was XXXX. The only way I know this number is going to my XXXX app where it shows this transaction number I could not find it anywhere in the chime app. I feel that I was quick enough in contacting the chime representative to cancel the transaction. I felt like I was being laughed at when talking to the supervisor and explaining that I need that money back. This will most likely force me homeless if I don't get this money back. This company has millions in revenue. This money is nothing to them. To me it is everything. I don't know what else I can do other than give my home up and live in my camping tent. Plz understand this was a simple mistake and there should be some safe guards with these types of transactions for when things like this happen. My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My email is XXXX number is XXXX.
10/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • CA
  • 951XX
Web
I opened the Chime account at the end of XXXX ( during XXXX of XXXX weekend ). Account creation went through swiftly. At that time i firstly uploaded all the required documents for identification. After roughly XXXX week i received the debit card. On the XXXX of XXXX i try to login to get the transfer information to move some money into the account. however, I can not do it since my account has been either suspended or closed. The app tells me to write to " XXXX '' which I do promptly. On the same day I write to " XXXX '' which tells me that my request has been transferred to the specialists team. On XX/XX/XXXX I sent another email asking for the account closure. " Transfer to the team '' as answer. The day afterwards ( XXXX of XXXX ) i call support because I received no answer. They told me to write an email to " XXXX '' a bunch of pictures of me holding my driving license, a piece of paper with my name on it and a selfie. Same as before, I got only the " transfer to the team '' answer. I called them on the day afterwards XXXX of XXXX, no luck. On XXXX of XXXX I tried again with the phone support. XXXX minutes call. They requested various pictures ( again, same as the one requested on the XXXX ) to be added to the open ticket and they told me I would have received an answer " soon ''. They also suggest to open a new ticket with the very same pictures on the same day always through email. Done that, no luck. Called them again on the XXXX. Same story. Called them again on the XXXX of XXXX. No luck. Various pings were made through email on every open ticket. I still have no answer on why my account has been locked.
12/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 85338
Web
I received my back pay for my unemployment finally after waiting for it to be fixed for over 3 months, it took a lot of time and effort to get it fixed. Once my deposit hit my chime bank account withing a hour or so they suspended my account due to unusual activity, I guess a deposit from the unemployment office is unusual activity, before it was suspended I have gotten my deposit every week for over two months and never had a problem. So once I found out my account was suspended I called them immediately and found out basically they wanted me to verify myself, and I asked them what I needed and I sent everything immediately, once they receive documents they say they have 24 to 48 hrs to respond, so the next morning which was about 12hrs later they responded and now I'm wanted more information, they asked for more stuff than the unemployment department ask for, so I provided that, I called right after I sent everything and confirmed they had everything they needed but there was nothing else they could do for me because the department that handles the suspended account is a special department and can't be contacted any other way than email. It's been 48hrs times 3 now and still no response, I send emails every few hrs no response, I've checked there reviews out and there is a bunch of people with the exact same situation as me that lost there money, I will not let that happen to me, I did nothing wrong. It seems to me that they are taking advantage of low income people and keeping there unemployment knowing there isn't much they can do about it, most low income people don't have the resources to afford to do anything and they know that.
02/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • DE
  • 19808
Web
Purse was stolen at a function I attended as a speaker on XXXX XXXXPurse contained 2 phones my wallet ( credit and debit cards, social security card ), some cash and passport. I was one of the last people to leave the event due to cleaning and closing up and only thing I had left were my car keys which on my person. I was not able to purchase another phone right away but did call Chime to file a dispute. There had been cash app money transfers from another account and transactions with Chime as well as a money transfer via XXXX to a party I was not aware of. I tried contacting that person to let them know the device was stolen and the person who sent the money was not me but had no success getting the money sent back. On the XXXX 3 days after filing dispute with Chime on the XXXX of XXXX I got a email stating one of my claims were denied. I contacted Chime to see why and was told they were not able to tell me but would send the denial reason. I also learned on that phone call that the rep I spoke to to file the dispute did so with the incorrect information even though I had given him all the information I had and what happened from beginning to end. I asked to speak to a supervisor and to also rebuttal so they can do a proper investigation. Supervisor on the phone told me that they usually will deny if the merchant was used previously which had nothing to do with this charge being fraudulent. I received a copy of the denial letter which has some discrepancies according to regulation E as well. To this date Chime still has not put in the rebuttal and I was told I am no longer able to but the first rebuttal was never done to begin with.
07/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 77406
Web
On Sunday XX/XX/XXXX at XXXX, I was notified that I had a transaction of {$120.00} at XXXX. I was worried because I did not make any transaction that big recently. I tried to send in a dispute that night but it told me " please wait 3 days due to this being a pending transaction ''. So I waited 3 days and contacted chime support by phone. I had proof of an XXXX support chat saying that this transaction was made with another XXXX account and not mine. I was told during the call if I had any attachments such as proof, to add it to the dispute in the app. After the call was done I had received an email saying the dispute was created but there was no option on the dispute in the app to add attachments. About less than an hour later the dispute was declined. I had spent all night looking, trying to see how this transaction was made so I could get some proof at least to add to the dispute. I surprisingly found that I had another XXXX account but I could not log into it because it contained my old phone number which I do not have anymore. The person who purchased {$120.00} worth obtained the phone number and basically had free access to the account with the debit card linked to it. I logged into the email that was linked to the XXXX and saw the purchase confirmations to an address in XXXX which is not where I live. I screenshotted evidence such as the order, them obtaining access to my account/resetting my password and XXXX support saying that I should dispute this right away. Contacted support again, reopened the dispute and sent the attachments to their support email to attach to the dispute. Less than an hour later, denied again.
12/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 30044
Web
On XX/XX/2023 I called ( XXXX ) XXXX ( the automated system verified my account by hanging up and calling me back ) to inquire about a refund from XXXX in the Amount of {$48.00} for a product that I didnt receive. There was only {$6.00} deposited and I was inquiring why while I was put on a brief hold there was roughly a {$150.00} that was moved out of my account and the balance showed {$0.00} and the called dropped. I called back ( XXXX ) XXXX the automated system verified my account by hanging up and calling me back. I was explain that I was on the phone with a representative and she was checking on a partial refund from luminess as I was explaining that the {$150.00} that was moved to my checking account which made it a total of {$340.00} the total went to {$0.00} so now my checking and and credit builder count has been depleted and the call dropped. I called ( XXXX ) for the XXXX time I explained to the representative that I called to inquire about a partial refund today I was given as I was on the phone with the representative my money was moved from my credit builder account account into my checking account then transferred to someone That I dont know who it is it was stolen while I was on the phone with your customer service. I have been given the run around for a week and a half with you all I am very dissatisfied as a customer I have been given a different story every since the day I have called to file a report. My money was stolen Im just asking out for justice. As of XXXX XX/XX/2023 XXXX XXXX I have filed my 15 Rebuttal and still have yet to receive any documentation on how they determined a denial! Regards, XXXX XXXX
03/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 75104
Web
On Thursday, XX/XX/2023, I deposited a check from my employer in the amount of {$910.00} via Chime 's mobile app. I've done this many times previously, and have never had an issue with getting access to my funds. However, the app estimated that Chime wouldn't release the funds until Thursday, XX/XX/2023. After spending over two hours on the phone with CSRs who could barely speak and understand XXXX ( having XXXX is fine, except in matters of understanding your customers ), I was told that I could transfer my money to a questionable check cashing app, or transfer it to another financial institution. Should I take the second option, I was told that I could expect a " chargeback '' from Chime for the full amount. My issue is that none of the CSRs or the supervisors I spoke to would make any amount of the funds available, despite having the abilty to do so. When one of them confirmed that the check was still processing, I asked to cancel the deposit. Upon my asking, this supervisor suddenly saw that the check had been accepted, and the deposit couldn't be canceled. Despite this change in the check 's status, she couldn't give me a date on which I could expect to receive my money. To be clear, Chime has previously processed checks from this issuer on my behalf in the past without a problem,, so I don't understand the issue now. I also don't understand why I was given evasive answers. I shouldn't have to wait days to access what is rightfully mine, and certainly not without an adequate explanation as to why I have to wait at all. I don't know what to make of the questionable and possibly illegal suggestions one supervisor gave me.
01/03/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • IL
  • 60640
Web Older American
I would like Chime to finally just mail me a paper check to my mailing address and close my bank account. I am a XXXX XXXX XXXX XXXX whom is in recovery from a XXXX that I sustained In the month of XX/XX/2022 and Chime has suspended my account. I have no access to money. I am not able to pay my medical bills, pay for medication or for food on my own because of Chime will not give me access to my retirement money. On XX/XX/2022, I opened an account with Chime Financial Services. I began receiving my Social Security XXXX payments to the account on XX/XX/2022 ( The first deposit from XXXX was made to my account on XX/XX/2022 ; the second was on XX/XX/2022 ). I filed back taxes in XXXX and received a refund deposited into the account on XXXX. I have an additional one en route. On XX/XX/2022, I learned that Chime had suspended my bank account. Since then, I have sent them XXXX separate emails pleading with them to open my account back up. I have sent them my personal documentation and information and they still have refused to open it. Because of my XXXX, my speech and short-term memory lapse after long periods of time and conversations, so my daughter has been aiding me along the process of communicating with Chime via email. She has also been on the phone with me as we have placed 11+ conference calls to Chime customer service to have this issue resolved. Please, Please help me get my money back. This stress has been delaying the physical therapy care that I've been receiving after my XXXX and the bills that I have been paying. My children have been helping me over the last month in paying some of my bills but this is NOT sustainable.
03/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 76705
Web Servicemember
I on XX/XX/22 was paid XXXX dollars by my employer I only received XXXX dollars. Again today I was supposed to be paid XXXX dollars I only received XXXX. I have no child support or anything like that being taken out of any account so there is no reason for my checks to have been coming up short. I have tried to get the ach number from the bank. I have tried contacting my employer and pay role provider they have done nothing to help me get into my account to change my credentials to be able to change any of the information so that if it's something wrong with my direct deposit information to be able to change it. So the bank won't provide me with the information I need to be able to trace down my direct deposit and my employer and pay role provider won't help me change what's could possibly be wrong with it... I no longer have the phone number that my payroll it set up thru nor do I have the email it was made thru. I have relayed this and one will help me on either side. I feel like someone is doing some sneaky hints why they won't help me change the things that I need to be able to access my payroll information. I had a wallet stolen from me back in XXXX around the XXXX had my social, drivers license and every card I owned stolen.. so it's not like I can just go thru n try each card n see which one may have a $ XXXX on it.. to account for the two weeks I haven't received half my check. My bank is chime and my employer is perfect game inc. but we use XXXX as a payroll and hr. I just want my money that I haven't received. And to be able to get into my account on isolved and know where my money is going.. sincerely a hard working man
06/19/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • FL
  • 32750
Web
Claim ID : XXXX from XX/XX/XXXX 9 months, STILL wont address the Main Complaint MY DISPUTE IS 1. THE MONEY WAS ACCIDENTALLY SENT TO THE WRONG ACCOUNT. XXXX XXXX XXXX ACCOUNT WAS AUTO-FILLED IN WHILE TYPING THE EMAIL ADDRESS. 2. THE ACCOUNT THE MONEY WAS SENT to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PASSED AWAY XX/XX/XXXX 3. THE FUNDS WERE SENT IN XX/XX/XXXX AFTER XXXX had passed away. Money can not be sent to a deceased person. 4. THE MONEY WAS SENT TO ACCOUNT, WHERE IT CANT BE REVERSED, FUNDED, or SENT BACK, and the ACCOUNT HOLDER IS DECEASED, WE ARE UNABLE TO ACCESS THE ACCOUNT. Get a RESPONSE THEY SAY 45 days WHAT? XX/XX/XXXX, Its been nine months, and now you say XX/XX/XXXX. YOU KEEP PUTTING ME OFF 1. Chime couldn't comprehend the dispute and repeatedly replied with a completely irrelevant response to the dispute? 2. Chime has repeatedly put me off by responding with irrelevant responses. 3. Chime filed replies with XXXX with the same Irrelevant responses, Not reading what the problem/dispute actually is and never offering assistance or instructions on handling it. 4. Chime responded to XXXX 's complaint, stating to contact them directly ( I again contacted Chime, per their request ) 5. Chime Chat going over everything with Chat with the US, where I was told they were filing REBUTTAL-02 ( I requested a whole new dispute # due to this one seems to be on an auto-response and is not being read ) This Didn't happen 6. I reached out to Chime and was told someone would be in touch, but I never received that response So filed a complaint with XXXX 7. Chime XXXX response to contact Support and IM PUT OFF FOR ANOTHER 45 DAYS
01/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NY
  • 136XX
Web
So I have recently opened a Chime account a few weeks ago, and everything was totally fine. I connected my direct deposit, and everything I needed for my money to go through. I wanted to open a savings account as well, and this is where the problem started. Chime had told me the information I gave them ( which was my SSN ) was incorrect, and that I needed to contact Chime support. I instantly went to chat with support, and they told me there was a problem identifying who I was, so they needed a picture of my ID, and SSN. I responded to them no problem and sent everything they requested. This morning, I went to login to my account only to see that it was locked, and I needed to once again contact them, but through email this time. At this point I'm getting fed up, so I call them directly, and I get connected to a representative. They tell me I need to give them a picture of ID, SSN, and a utility bill for proof of residence. I have already gave them my personal information once, I don't understand why they need it again, and I am never comfortable giving my personal information away, especially my SSN to a company more than once, as others would probably agree. I told them I have already done that and asked why they needed my information again, they would dodge the question and just repeat the same thing of " well, in order to unlock your account we need your identification. '' Not only was the representative unhelpful, they were also laughing as they were repeating the same thing over and over again. so about XXXX is stuck in the chime account that I have no access over. This is massively aggravating as I have bills to pay for.
12/07/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 95336
Web
On XX/XX/XXXX, XXXX XXXX, made a charge to my account which was incorrect. I was able to obtain a refund for this charge, but I had reached out to CHIME BANK and alerted the dispute department, and they cancelled my card immediately and issued a new one. After this I had another issue with XXXX XXXX XXXX services. They had a glitch in their system and a transaction was stuck. They sent a manual authorization release form and CHIME BANK refused to release my funds. Then on XX/XX/XXXX the charge was dropped, and the funds were never released into my account. Approximately 45 minutes later a charge was posted with the posting date of XX/XX/XXXX @ XXXX XXXX XXXX for {$100.00} and {$0.00} How could a card that was cancelled a week ago be used to make a purchase? That question was met with more confusion and then a fallacy stating that there was a temporary card issued to me and that was the card that was used. This is impossible because all cards were turned off and the only card XXXX has on file per its billing department ( see attachment email correspondence ) is the card ending in XXXX. As a member of CHIME BANK since XXXX I am deeply disturbed to know they dont the safety and security of customers money seriously. I have a permanent disability and receive Social Security monthly. I made one mistake cashing a check and CHIME BANKs security department reached out to me with no recourse or appeal process, but now when CHIME BANKs security is compromised by allowing a card that was already cancelled to used and the transaction post to the members account ; its sickening and deserves to be investigated at the government level.
07/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30047
Web
On XX/XX/XXXX I received a email from Chime that my phone number has been updated to XXXX which is not my number and that my PIN number was changed. Immediately when I saw that I tried to log into my chime account but was not successful. I went back to the email and replied I did not make changes to my account and I received a link from Chime to update my information I followed the steps change my phone number back to my number and was able to gain access to my account. When I logged into my account someone had made a purchase at XXXX {$2500.00} and attempted to make another charge of {$30.00} that declined for company called XXXX. I reside in XXXX it shows the purchase was from a XXXX XXXX location. I contacted chime and advise them I did not make the charge and started the dispute process. I was advised it can take XXXX days because the charge was still pending and its possible the funds wont go through and will go back to my card but if the payment does process it can take XXXX days to resolve. They also issued me a temporary card and are sending me a new one in the mail. On Saturday XX/XX/XXXX I received a email from chime that my dispute has been closed and no error occurred. I called Chime back to find out why was it closed and the representative could not provide me with that information so she reopened the dispute. The representative advised me to change my email address which I did and update my chime account. I am very concerned that Chime is not going to give my money back and I dont think they really did an investigation just closed my account. I have no money Please help resolve this I did not make this purchase
12/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 77082
Web
On XX/XX/2022 I discovered there were XXXX unauthorized transactions on my account. I immediately reported the fraudulent transactions via the banking app. I was provided with claim ID # XXXX. The transactions were from the following merchant. XXXX {$40.00} XXXX {$20.00} On XX/XX/XXXX I was sent an email stating that final determination had been made and that my claim was being closed and that no error has occurred. I immediately appealed this decision and the claim was re-opened. On XX/XX/XXXX I was told yet again that my claim was closed and that they found no error. I responded asking to be sent information regarding the merchant and where the transaction was made. I also made XXXX calls to Chime customer service once on the XXXX and again on the XXXX speaking with XXXX on the XXXX and XXXX on the XXXX. Both times my claim was closed. XXXX did advise that the transaction was made in Wyoming to which I informed here that I was not in XXXX nor have I ever traveled to XXXX. We went over my transactions for that day that showed I was in XXXX, XXXX where I reside. I also provided them with feedback from other online customers that have had similar experiences with fraudulent charges from this same merchant. Again was claim was reopened and closed. I have NEVER stepped foot in the state of Wyoming and I did not make the purchases. To date Chime has been unable to even inform me of what was purchased. I simply want my money returned to me and for this fraud to not continue. A simple google search of XXXX generates countless numbers of people claiming to have been scammed by this merchant and/or Chime with no resolution.
04/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KY
  • 41018
Web
I use the Chime credit card to receive my direct deposit paycheck every week. On XX/XX/XXXX while at work i got several chime notifications that my chime card was being used in Tennessee for {$75.00}, then {$170.00}, and another {$170.00} at XXXX. I immediately got on the chime app and locked my card, but they still let another {$75.00} charge come through. My fraudulent charges were totaling over {$400.00} at this point. I called chime and they said they could only refund the {$75.00} charge that was allowed through while my card was locked. They said for the other {$350.00} I have to wait until it is out of pending to dispute. On XX/XX/XXXX when charges were fully posted I contacted chime again, told them I had opened the dispute already for the charges, to which they said my case will be closed on XX/XX/XXXX, several months from now. I said that is a ridiculous amount of time to wait for my stolen money to be refunded, to which they said they XXXX be able to issue me a temporary provisional credit to cover the charges on XX/XX/XXXX. The supervisor says that she can not personally issue the credit, no one can, that it is all done on an automated system. I asked if I could speak to the fraud department investigating the charges and each time I called the supervisor always says no they dont have contact with them at all, no email or phone number can be given. It is not right that my money was stolen from me in a different state and I can not even be issued a provisional credit. I am out {$350.00} still. They also would not send me an email transcription showing each time I call or any type of paper trail about my complaints.
01/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 283XX
Web
I have gotten the police report started. I have been informed to make a complaint with the IC3 FBI complaints department regarding this account. I'm extremely concerned that Chime Bank has refused to share any information with me relating to this matter. I have provided my personal information, that would be required to open any traditional bank or credit accounts -- I have verified, with your support department, that my DOB and SSN matches the information already on file with an open ( and assuming active ) bank account with your bank. I had explained that I attempted to open an account sometime in XXXX and I was denied. I was curious as to why I was unable to open an account and followed up a few months later, after attempting again to open an account with Chime. After the second attempt, I contacted your support team and have had numerous communications via phone call and email, extremely concerned that my information has been provided to you by another person. Officer XXXX, who is overseeing the investigation, asked for other information from me regarding this account. The only information I could offer him was that I was denied an account with Chime Bank after Chime Bank notified me that I had already had an open account. Chime has refused to cooperate with me, personally as a consumer, to ensure they are doing what they can to help protect my identity with the information they have shared with the offending party. I do not know what Chime Bank has regarding details about me that a fraudster may have used to open this account. See the attached report. I will follow up with the IC3 Complaint information next.
05/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NV
  • 89031
Web
On XX/XX/XXXX of 2021 I had a dispute on a few repeated transactions. I also sent a letter in details as to what happen because I also tried calling the Company trying to get my funds back. I was trying to get an affordable insurance for myself and the representative of that company misled me into signing up telling me the benefits but its not an insurance but a discounted program. I did not find out until after my account was already being taking out payments and because I questioned the Company why I have not received my policy and health card. I called the Company more than once and all they say was they mailed it and probably got lost and they're sending another one. I finally received the card after a few months, the card says its not an insurance but a discount. I called that Company .. upset and told them I wanted it cancelled. The next month the money was taken out again. I found that the Company is under " XXXX XXXX XXXX XXXX XXXX '' and which they also had many Complaints from the BBB I had a very bad experience with this Company personally. I'm XXXX old and they should not take advantage of not just me but people my age in general .. being misled. Either case I'm trying to get my money back from this Dishonest people or Company. When I called my bank they said I can file a dispute and will Investigate. I don't believe they did. I sent all the information and I had to wait 3 months for them to tell me I can not get credit for it. I don't understand how a Company is allowed to run like that to misled or trick people ... They took {$300.00} .. that is a lot of money for me. And my Institution I thought can help me.
06/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • CA
  • 93405
Web
On XX/XX/2023, I attempted to submit an image of a U.S. Treasury check in the amount of {$200.00} ( USD ) via Chime Financial , Inc. 's " mobile check deposit '' feature. Chime asked me to endorse my check with my signature and the language " For Deposit to Chime Only. '' After correct endorsement of the check, I submitted the images of said check, only for Chime and its banking partner XXXX XXXX XXXX XXXX ) to reject my deposit, saying that the check was incorrectly endorsed. I submitted another image ( with different lighting and a darker background ) via Chime 's mobile app, and the deposit was again rejected for " poor image quality. '' I tried fiddling with the image quality settings on my phone 's camera and took what I believed to be the clearest possible image of this Treasury check, then tried one last time to submit it for deposit. Chime and XXXX XXXX rejected my third attempt to deposit my check, again for improper endorsement. I immediately sent an email ( on XX/XX/XXXX ) to Chime 's " Member Services '' department explaining my situation and asking them to correct the problem that I was experiencing. Unfortunately, it took almost one full month before a member of support personnel replied back to me via email ( XX/XX/XXXX ), saying that there was nothing either Chime or XXXX XXXX could do to fix my mobile check deposit issues. I am now attempting to close my accounts ( both checking and savings ) with Chime, as I believe the company 's customer service is so terrible that it negates the advantages of banking digitally. I don't think Chime should claim that they are " the number one most loved banking app. ''
04/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • SC
  • 29205
Web
On or around XX/XX/2023 my wallet and cell phone was stolen from my car. I reported the theft to the authorities and they issued a report which is all they said they could do about it. Whoever stole my wallet started to use my debit cards at various locations around the city to the tune of nearly {$300.00}. I contacted Chime ( XXXX XXXX XXXX ) to inform them of the fraudulent transactions and go through their process of disputing these charges. They told me that the process takes between 60 and 90 days to complete but that I was eligible for a temporary credit for the amount stolen until they completed their investigation. They told me that I had to wait 2 weeks before they would give me that credit. They never gave me the credit. Upon checking the app on my phone I saw that the disputes were denied. I then contacted them again to find out what was going on because they denied it in less than 10 days, an agent informed me that I could request a re investigation. Doing this would make the time start over for receiving the temporary credit. I really needed my money. I reached back out to them a total of three times in the month of XXXX. All they would tell me was that after their investigation my disputes were denied and they would send me an email detailing why in 10 days, I was told that twice. I provided them with a copy of the police report and they still denied it. I dont think its fair that I had to be penalized for being a victim of theft. I have yet to receive any emails detailing why I was denied receiving my money back in my account. I am XXXX and unable to work so I really need help with getting my money back.
07/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 301XX
Web
On Friday XX/XX/2023, as I was at work in XXXX GA, I received a text message from who I thought was my bank 's ( Chime ) fraud department alerting me someone was trying to use my card out of state. The message asked to verify if I had authorized those transactions, and I replied no. This message was identical to text messages I have received from my bank. However, I have never had to respond in the negative. So I received a phone call from someone claiming to be from Chime 's fraud department taking me through the steps to freeze my account and get new cards since someone had gotten access to my information. In this process they had me reset my password with a temporary provided password and said I would be locked out of my account for XXXX hours as a safety precaution. This is when I started to get a little suspicious. Before I had gotten off the phone, I received an email that my bank card was added to XXXX XXXX. I don't have a XXXX device. At this point, I got off the phone and called Chime directly to see if they had called me. They confirmed that they did not try to call me. I reset my password again and logged back in to find that the scammers had made {$1600.00} in XXXX transactions in purchases in XXXX, XXXX, and XXXX Florida between XXXX and XXXX pm. I would like to note here that I left work in XXXX GA just before XXXX, which is about a XXXX XXXX XXXX from XXXX. I have since made XXXX disputes with the bank and filed a police report. The bank made a split decision and has refunded {$410.00} to date. The investigation team at the bank has stated that they found no error occurred in the other transactions.
07/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 93306
Web Older American
I have a checking, which my direct deposit goes into, a savings, and a secured card holding {$3000.00} of MY money. Right now, I have {$9000.00} in the accounts. I am getting married, and I was purchasing XXXX gift cards for my wedding party, and had to go to several shops, as they control how many they send you. I used my ATM card and pin number, plus showed my driver 's license at each store. On XXXX, the XXXX of XXXX, Chime froze all accounts, and would not let me log in. It said my account had been suspended. I called them and they " escalated '' the issue, which did no good other than add 2 additional days to the problem being fixed. They wanted a copy of my driver 's license, and they said my birthdate had been CHANGED by a CHIME employee on that XXXX at XXXX XXXX. My license used 2 years ago has the same birthdate as the new one I just got, as my birthday is XX/XX/1956. I sent 7 pieces of documentation, and waited the 2 days. Nothing. I called again, and they changed the REASON they suspended my account and then asked for a selfie of me holding my license and the back of my license. I provided all of this. Nothing. I'm going to have my internet and phone services disconnected because I can't pay my bills. It has since been over 6 days, and NOW, today, they said my selfie was too " shiny '' and they needed a new one. But if I had not called IN, I would never have known this. They are playing games for the interest on my accounts, and I want my funds able to be withdrawn immediately. I do not want the account closed until I can get another way to access my direct deposit ( they take up to 2 months. )
12/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CA
  • 94523
Web
This complaint is against Chime Bank my current bank. Problems started up in XXXX of this year when Chime incorrectly withheld my funds that I had authorized to be paid from my own bank account with my own hard earned wages towards my credit card by XXXX XXXX bank. The first time this occurred was on XX/XX/XXXX causing XXXX to place a hold on my account and not have my available credit posted. Then again this occurred on XX/XX/XXXX when I authorized another cc payment to XXXX from my own bank account at Chime. Again Chime bank refused to honor that payment which in turn caused XXXX to permanently close out by cc account stating that my bank which is Chime is not honoring the payments and they did not want to have my business anymore. Not only has this caused a lot of stress for me as I have been making huge payments on my credit card from my own bank account but the credit has been unavailable to use due to Chime not releasing the payment to XXXX but also debiting my account for the same. After numerous complaints Chime bank finally acknowledged their error and attached is the letter I received from them last week. To date I have not received my cash rewards from XXXX that I earned since XXXX of XXXX with my own hard earned money. I have no idea why and I have filed a separate complaint against XXXX for the same. I have now opened a new cc account with XXXX XXXX and it seems like the same event is happening again. I made a {$1000.00} payment on XX/XX/XXXX and XXXX XXXX has still not made the funds available for me to use and its XX/XX/XXXX today. I need Chime Bank to be held accountable for their banking errors
06/06/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 754XX
Web
On XX/XX/XXXX at XXXX XXXX I was looking at my bank account and I saw a transaction for- XXXX another one for XXXX and another one for another-XXXX XXXX all within the same minute I called immediately to tell my bank they said they can not do anything until the transactions went through then they could do a dispute. I said, declined them! why would you wait until somebody could steal my money! dont let them steal my money! they said, Im sorry its policy to let it go through then we can start a dispute so I had them cancel my card I changed all my passwords and everything so I felt safe again. On XXXX transferred more money from my XXXX XXXX XXXX XXXX to my account in the amount of XXXX, {$200.00}, XXXX like I have been doing because I was raising money to fix my vehicle so that I could go to my XXXX for XXXX in XXXX in XXXX instead those also showed negative-XXXX XXXX. XXXX even though my bank card had been canceled and they also said the same thing, I called immediately they said wowww, exact words, how did this happen when your card is clearly been turn off and compromised, we know this for sure. Then again tells me that they would have to wait for it to go through to start another dispute. I told them I have the receipts from XXXX XXXX stating it went into my bank, it never showed that it went into my bank account, only that it came out .you will see Im going to attach my account number and the transactions that came out of my account I found this company very fishy when you dont decline a theft of money to protect the consumer and they are not putting my money back I need Helprin get my money back asasp
03/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MO
  • 63136
Web
XX/XX/23 Chime card was stolen the day previously a charge for XXXX was posted I disputed it and they barely investigated and then denied my dispute stating they felt nothing happened when it's obvious by spending pattern that my card was stolen XX/XX/23 Charges added up to XXXX dispute was denied without any further investigation XX/XX/23 Account was compromised charge for XXXX posted card was reported and charge was. Disputed and denied without any reason or further investigation XX/XX/23 Charge was made for XXXX card was reported and account was compromised dispute was denied without any further information XX/XX/23 Direct deposit total 0f XXXX was posted account was compromised and money got spent I was in XXXX this day someone reordered my card it was approved I called the agency and they refused to investigate further Further more transactions continued to post and cards kept getting reordered I kept calling in to tell them what was. Going on then I got locked out of my account and currently have no access and till this day transactions are steady posting to my account my whole last direct deposit from My job got spent a total of XXXX dollars was stolen and then I had another chime member send me a total of XXXX and it was stolen a total of XXXX dollars and nothing is being done I have XXXX and XXXX and I can't afford my medication I'm supposed to get paid again on XX/XX/23 and have no access to my account the institution requires physical identification which I have to PURCHASE but without ACCESS TO MY FUNDS I CANT BUY ANYTHING steady denying disputes and allowing my money to be stolen is unacceptable
02/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • XXXXX
Web
Within the last year I opened an account with Chime to allow me to send money to one of my children who does not have access to a regular bank. I did not use account very much. I recently received an insurance settlement check, which was deposited in to my XXXX checking account. On XX/XX/2023 I transferred a large amount from my XXXX account to my Chime account. Chime held the funds for a week. At the end of the week I attempted to send money to my child to his Chime account. In the Chime app I was notified that due to unusual activity limits were placed on my account until I verified myself, proof of where I acquired the money. I struggled to use the app, as it kept crashing, and the links sent for me to use did not work. Emails sent to Chime support, using the address they provided did not work and were returned. I tried calling Chime suppprt and could only reach individuals who could /would not offer explanation or solution, only repeatedly stating things not in question. A tech savy person figured out why links were not working and I was finally able to send information Chime asked for. I sent a written explanation of where the money originated from. Isent a selfie with my face, and me holding my driver 's license and social security card, a copy of social security card, letter from insurance company showing settlement and the amount of my deposit, bank statements from XXXX showing deposit of said settlement, bank statement from XXXX showing transfer of money to Chime. Chime still will not remove restrictions from my account and asks for more proof. What elsc couldnI have to provide to access my money.
03/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TX
  • 770XX
Web
XX/XX/XXXX, I had contacted Chime, or XXXX XXXX and sought to request a reversal for the past payments I have made towards my car payment. Im in the middle of civil litigation against a dealership I purchased my car from. Due to violating several laws and statutes in the state of Texas, the dealer has had their license revoked. This final order was issued in XXXX of XXXX. There is a provision issued by the Texas Department of Motor Vehicles which informs consumers of the right to cancel and remove any existing lien on a vehicle if the dealer has closed. The dealer I am seeking relief and removal of lien has had their charter forfeited, and dealer license has been closed. As a consumer it is in my best interest to begin securing my financial investments, as I had been sold a vehicle with multiple mechanical failures. As required, the Texas regulator specifies that a vehicle owner must include a letter on department letterhead that states the dealer 's license has closed, thereby making my effort to remove lien permissible. When I inquired to Chime ( XXXX ) about my ongoing legal battle, the Chime representative informed me that they could not recover or investigate claims of disputes further than 60 days. The conversation ended quickly. I later receive a notice by email stating that my Checking, Savings, and Credit card accounts at chime will be closed within a short time frame. This is unwarranted, undesirable, and very frustrating. I should not be threatened of account closure for raising a concern. Furthermore, to close any of my existing accounts would only compromise my financial security and wellbeing.
07/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • 32720
Web
A little background information, when you make a purchase XXXX XXXX for grocery delivery they generally charge excess of what they end up settling for in case the total ends up being more than originally anticipated. When these transactions are settled by XXXX for less than originally expected, the excess is supposed to go back into the available balance. Instead, Chime is holding that excess in pending for an additional XXXX days. This has happened several times. The most recent occurrence is a transaction on XX/XX/2022 at XXXX. The transaction settled on XX/XX/2022 for {$13.00}, leaving an excess of {$0.00} in pending transactions. I have sent written support tickets to find out why they are doing this and effectively holding that excess money hostage in pending. I have been unheard by customer support and dismissed by a supervisor named XXXX. I was placed on hold for an extended amount of time ( greater than 25 minutes ) and then transferred to a queue with a wait time of greater than 10 minutes after being told he was just going to check the account. I created a chat support ticket and they didn't even read what the issue was and copy/pasted a generic response that I can't dispute pending transactions and when I informed them it wasn't about a dispute, dispute agent XXXX copy/pasted said generic response about 3 more times anytime I said it was not a dispute issue. I want to know why Chime is holding any excess a transaction settles for hostage in pending for an additional 7-10 days. I also no longer wish to deal with their customer support/supervisors after being treated like complete dirt by them,
04/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10457
Web
On XX/XX/2023 my phone was stolen. Unfortunately my phone was not password protected and in the notes section of my phone I have all my bank login info stored. I have a checking and savings account with CHIME Bank. Now through chime mobile app you can view your card, add it to XXXX XXXX and etc all while not having the physical card on hand! The person who stole my phone proceeded to login to my checking account which is CHIME. They then transferred money out of my savings into my checking account and made multiple transactions totaling alittle over {$800.00}. Once the transactions settled I proceeded to dispute the charges which was on XX/XX/2023. Chime did two separate disputes for these charges! All together there were 4 fraudulent charges.On one dispute it was only ONE charge in the amount of {$660.00} while the other dispute was for the remaining 3 fraudulent charges that equaled to {$130.00}. Today on XX/XX/2023 I received XXXXwo emails from chime with dispute results! One email stated chime will refund the dispute with the 3 charges for {$130.00} due to them finding an error, the other email stated they WILL NOT refund the other dispute for {$660.00} because NO ERROR OCCURRED Please be mindful all charges are from the same company! If you find an error in XXXX of the charges, why not the other if they were made by the same company? They also didnt send any documents to explain the investigation. CHIME IS LETTING FRAUDSTERS STEAL YOUR MONEY AND NOT DOING THE PROPER RIGHT THING TO REFUND YOU! I also attached proof of my replacement device being shipped to show I really did lose my phone.
12/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AR
  • 720XX
Web
My Chime checking account was hacked 3 times in the period of a month and a half. Every time I would call immediately and freeze my card and prove my identity while I waited for my account to be available again. On XXXX the XXXX I had started a transfer of {$250.00} to my XXXX XXXX account. On the XXXX, the final hack, I rushed to get the remaining funds out of my account before the hackers robbed me of it. I spoke to a Chime support member while doing so. She informed me my transfer had gone through and now that I had withdrew the rest it was safe to close my account. Well the transfer DIDNT go through and Chime wouldnt even let me back in my own account after verifying my identity numerous times and with a new Drivers license number! I tried n tried to gain back access, spoke to several managers claiming they were working on it. One even promised he would run the tapes from that day and listen to his employee that helped me that day. No word for 3 months from Chime. In fact, they told me they couldnt access my account bc I didnt know the email ( the hackers ) associated with the account. This is even with my account, routing, and card numbers ready and willing to share just to do so. I finally filed complaints with the XXXX and the XXXX XXXX website. I finally just a few days ago was allowed back into my account which had a total of {$5.00} as the balance. No word of my {$250.00} that just disappeared. So I ask again. They inform me they are gon na contact XXXX XXXX and see what happened. The transfer never went thru, therefore Chime would still have it, but the real question is, where did my money go??!
06/19/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60477
Web
On or around XX/XX/XXXX - XX/XX/2023 i recently opened up a Chime checking account in order to receive my Tax refund 5 days earlier like Chime advertised but to my avail it didnt go as planned. I received my card in the mail within 7-10 business days, thats when the problem occurred. I tried to log into my Chime account and activate my card but unfortunately it wouldnt let me activate it it kept making me sign up for chime all over again and i thought that was strange. So i called Chime and they told me some of my information didnt match but i knew that it did and didnt understand why Chime would close my account. So for 2-3 Months now ive been sending Support @ Chime & Review @ Chime constant emails about my account and un suspend my account. My taxes did go to the account unfortunately and now its over {$20000.00} frozen and Chime wont help me. Ive sent Documentation over and over at least 30 times because ive been trying for 2+ Months to get my account unlocked. ive sent over Drivers License, Proof of address, A selfie holding my drivers license with a piece of paper with my information on it, ive sent Tax refund acceptance letters, utility bills! Nothing ive done works! No one in real life replies to me when i email Chime support or Chime review i get the same automated email messages and its very stressful. Please help me as i told Chime at the time i was facing eviction and now is currently homeless with a wife and XXXX XXXX XXXX daughter living shelter to shelter or family couch to couch because chime frozen my account and wont release my funds. please help me and my family i have no other options.
02/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • WA
  • 98204
Web
Hello, Im contacting you regarding chime bank. ( online only bank ) I have an account there. I have not had a deposit in over two years but I have never made a withdraw, transfer, payment or otherwise. I have also never close the account. Periodically I get on the app and check it. I tried to get online recently and it said I do not have an account. I tried repeatedly and received the same message, so I sent an email to chime support. The following day I received a email stating someone would respond to me in XXXX hours., I sent another more detailed email stating that I have not touched the account. I received another email stating I should hear back from them in about XXXX days or so. I attempted to make a local police report, but was told that there is nothing local enforcement can do.The bank will handle it with their internal system. Being in somewhat of a panic about the situation I started scrubbing through all of my emails to see if they had written me regarding anything pertaining to my account. I did not find anything from them but inadvertently found XXXX letters XXXXXXXXsent in 2020 about a lawsuit regarding Chime. XXXX versus chime The paper stated that I was one of the people Who could claim benefit due to issues with Chime. This is the first time that Ive ever seen this mail. The other was 1 year later from the same sender stating that because I neglected to contact, I was no longer eligible for any proceeds incurred during the suit. I do realize these are XXXX separate matters, but I am hoping for advice and direction regarding both. Thank you so much for your help and your time.
07/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NE
  • 68901
Web
An online order was placed at XXXX XXXX on XX/XX/23 at XXXX XXXX for a tool kit to be picked up by XXXX XXXX in XXXX, Alabama, using my debit card number. It was picked up at XXXX XXXX. Please note that I do not know a XXXX XXXX nor have I ever been to Alabama. I currently reside in Nebraska. This was a Saturday and I slept in as I didn't have to work and by the time I checked my emails it was too late. I contacted XXXX XXXX right away and they just told me sorry that my card was stolen and to contact my bank. My card was not physically stolen as I still had the card in my possession. I tried to explain to XXXX XXXX that someone had hacked into my account with them and used the card I had on file for a monthly dog food subscription. I then contacted Chime aka XXXX XXXX and cancelled my debit card and ordered a new debit card. I have filed three disputes with Chime and they have denied every claim. I shop at XXXX XXXX freqeuently for animal and yard supplies. I even sent them all of my online and in-store activity to show that I have never purchased anything outside of the Nebraska location . Timeline of events : XX/XX/23 claim filed for unauthorized transaction and provisional credit applied XX/XX/23 claim denied XX/XX/23 I requested documents used for investigation XX/XX/23 provisional credit reversed XX/XX/23 I requested documents used for investigation, for the second time XX/XX/23 I requested documents used for investigation, for the third time XX/XX/23 claim denied XX/XX/23 I submitted any information I had for the claim. XX/XX/23 I submitted a rebuttal of my claim. XX/XX/23 claim denied
12/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30260
Web
On XX/XX/2022 at XXXX XXXX XXXX XXXXXXXX EST my Chime Credit Builder Card was fraudulently withdrawn a total of {$500.00}. When I noticed the charges to my account I immediately called Chime on XX/XX/2022 to open a dispute against the fraudulent charges. I was told by chime they do a thorough investigation into disputes & they take up to XXXX business days with a minimum of XXXX business to resolve the matter. I sent documentation showing my time card & the fact the where the money was taken off was an hour & XXXX minutes from my job location. I also have proof I used my card in the area I work which is XXXX, XXXX & the atm used for the fraudulent withdrawal was XXXX, XXXX. There is no way possible no matter how fast I would not be able to be back in the XXXX area within XXXX minutes of my next transaction that I actually made using my physical card. Chime did not look into the facts & the documentation laid out pointing to this being fraudulent charges made on XX/XX/2022 at XXXX PM XXXX & again at XXXX XXXX XXXX. Chime closed my dispute within XXXX business days after starting the investigation, chime was given all the documentation needed & requested. Chime closed the dispute by Monday XX/XX/2022 stating the charges were not fraudulent & were authorized. I then called chime again to open the dispute again on XX/XX/2022, within hours of reopening the case & forwarding information to chime again proving the charges were fraudulent they closed the dispute again stating they stand behind their initial decision that the charges were authorized. Chime is the worse Bank & doesnt not protect their consumers.
01/03/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NY
  • 13212
Web
I opened an account with chime about two years ago I been getting direct deposits for a year and a half ago. Same job same direct deposit for them years. Just recently out of nowhere chime told me that my bank account is Incompliant with there service out of nowhere and my account was put on hold. They asked me on XX/XX/2020 at XXXX XXXX that I had Unusual activity on my account and I had to send the current document. A picture of my ID Proof of address and proof of the funds in the account. So I called immediately and they basically told me the same thing so the next day XX/XX/XXXX I sent them a picture of my ID My national grin bill with my address and my name on it and also my paystub. Then the same day the replies and say I need a picture of my ID with me holding it. So I sent that then Three days go by ( Today ) I get a email saying my account has been closed and the money thats in the account is none refundable. I asked for a supervisor he told me nobody can touch the account and my money is just their in the account and I cant get it back. I asked for them to send it in paper check and all. Then I asked the supervisor how is my account Uncompliant he couldnt even give me a answer of how. When I looked online I wasnt the only person chime has closed account for no reason and has took thousands of dollars from other individuals This bank chime Banking services provided by XXXX XXXX XXXX or XXXX XXXX, XXXX, Members FDIC. The Chime Visa Debit Card is issued by XXXX XXXX XXXX or XXXX XXXX pursuant to a license from Visa U.S.A. XXXX. There support number is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
10/02/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • WY
  • 82007
Web
My friend talked me into to switching to Chime from XXXX XXXX about 2 months ago. I made the switch, withdrew money from and closed my XXXX account. Then, I deposited all of my cash ( over {$5000.00} ) into Chime and redirected my XXXX benefits to direct deposit into Chime. After several weeks of using the account without issue I made a {$700.00} cash deposit into the account and they suspended it 20 minutes later claiming suspicious activity on the account. They asked for a slew of documents and pictures of me with my ID, BC, SSC, etc. All of which I submitted within an hour. They then held my funds in limbo for over a week before telling me my account was closed and I was not eligible for a refund. They literally stole all of my money from me, everything I have! They are refusing to refund my money and continue to redirect me to their Account Agreement, Section 9 which specifically states that I am entitled to a refund. They also refuse to elaborate on how I violated their terms of use policy. This is not an isolated incident, they have thousands of complaints such as this all over the internet. My balance at the time my account closed should have been XXXX I also had a XXXX XXXX account that should have had nearly {$300.00} on deposit. I can not get exact balances as they have refused to give me any information regarding the account/ The suspension was placed on XXXX and the account was closed on XXXX with an e-mail telling me I am not going to be refunded. I reached out to them and they told me to send an e-mail to XXXX which only generates scripted responses that are not helpful in any way.
07/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • AL
  • 366XX
Web
On XX/XX/2022 Chime closed my account I had XXXX in my credit builder, XXXX in my checking account and XXXX in my savings account. I was never explained why my account was closed I went thru every term and I did not violate any of them. I finally received XXXX checks. One for.XXXX and the other for XXXX I went to multiple banks, pawn shops, XXXX XXXX check cashing centers even the bank the check was from XXXX XXXX XXXX which I live in Alabama so it was a drive. No One will cash these checks I have been told there is something wrong with the account number and that they are just not cleared. I have been going back and forth with Chime since XXXX only via email because you can not speak to a live representative if you no longer have an account which means you can not verify a check over the phone ... after over a month and a half they finally say they will reprint the checks but I only receive one this time for XXXX and they tell me.im not eligible for the refund now because my credit builder account is $ XXXX but there was XXXX when they closed my account, otherwise it would not be overdrawn at this point... they already screwed me.out of what was in my savings and out of the one check they reprinted I STILL CAN NOT EVEN CASH THE NEW CHECK!! This was my tax refund that I had deposited and since they closed my account I've lost everything, my credit card bills are past due I'm about to be evicted, I no longer have access to a car it has taken so much from me and it's not right for ppl to get treated this way. After looking online I can see I'm not the first person to go thru this same exact situation
11/07/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 775XX
Web
I had my chime debit card information stolen on XX/XX/2020 at a XXXX gas station when I used the gas pump outside. Later that night Wednesday the XXXX of XXXX at XXXX XXXX. I received my direct deposit as I do every week from my employer. At XXXXXXXX XXXX. there was a series of a total of 15 transactions at a atm on the other side of town approximately one hour away from where I live. From XXXX to XXXX XXXX someone withdrew XXXX from my account 13 transactions in the amount of {$83.00}, and a transaction {$300.00}, and {$45.00} transaction. I immediately turned off my debit card. Filed a dispute with chime bank. The day I was supposed to receive provisional credit XX/XX/2020 I received a email from chime dispute department saying my claim was denied. The reason why they denied the claim was for a few reasons. The first was they stated that I had knowledge of a deposit about to be available, which I know because I received one each week since I started banking with them in XXXX of 2020, the second reason stated that I frequently use my card in the area of where the atm transactions were made. In fact like I stated to them I never used my card in that area of town the entire time I have banked with them. Also I told them if I needed that amount of money why would I take it out of a atm in such suspicious increments. The only time I withdrew that amount of money was at a XXXX XXXX XXXX for XXXX. I disputed there decision and have been getting the run around since the XXXX of XXXX trying to talk to a supervisor about my case and no one can give me a a answer on what is happening with my case and money.
12/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60640
Web Older American
I would like Chime to finally just mail me a paper check to my mailing address and close my bank account. I am a XXXX XXXX XXXX XXXX whom is in recovery from a XXXX that I sustained In the month of XX/XX/2022 and Chime has suspended my account. I have no access to money. I am not able to pay my XXXX XXXX, pay for XXXX or for XXXX on my own because of Chime will not give me access to my XXXX money. On XX/XX/2022, I opened an account with Chime XXXX XXXX. I began receiving my Social Security XXXX payments to the account on XX/XX/2022 ( The first deposit from XXXX was made to my account on XX/XX/2022 ; the second was on XX/XX/2022 ). I filed back taxes in XXXX and received a refund deposited into the account on XXXX. I have an additional one en route. On XX/XX/2022, I learned that Chime had suspended my bank account. Since then, I have sent them XXXX separate emails pleading with them to open my account back up. I have sent them my personal documentation and information and they still have refused to open it. Because of my XXXX, my XXXX XXXX XXXX XXXX XXXX after long periods of time and conversations, so my daughter has been aiding me along the process of communicating with Chime via email. She has also been on the phone with me as we have placed XXXX conference calls to Chime customer service to have this issue resolved. Please, Please help me get my money back. This XXXX has been delaying the XXXX XXXX XXXX that I've been receiving after my XXXX and the bills that I have been paying. My children have been helping me over the last month in paying some of my bills but this is NOT sustainable.
02/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 17015
Web Servicemember
On XXXX XXXX my Chime checking account was fraudulently charged {$180.00}. The transaction was listed as having been placed by " XXXX XXXX XXXX ''. I researched the company who placed the transaction against my account and found it they are engaged in massive fraud. Having XXXX them I found thousands of posts and articles about this company and other names they have been operating under when fraudulently withdrawing money from people 's accounts. I contacted Chime providing them all the details on the transaction. Stated I did not engage in any financial transactions with XXXX XXXX XXXX and never authorized any transactions by XXXX XXXX XXXX. 3 weeks passed and I emailed Chime support for an update. I received a automated reply. I replied to the automated reply and within 2 hours received a notice that they had closed my dispute claim and determined the transaction not to be fraudulent. I appealed and provided more details on the company and digital printout of various articles detailing the fraud XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX ) was engaged in. Another 3 weeks passed with no response. I contacted Chime support AGAIN requesting an update to which they replied back in less than 5 minutes that my appeal had be closed and they found no fraud. I have requested their documentation and evidence supporting their finding. I have yet to receive a reply much less copies of the evidence they claim to have based their decision on. I have run out of options where Chime is concerned. After searching for help through XXXX I found that filing a claim with your offices is my best course of action.
08/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • SC
  • 29445
Web Servicemember
I visited an XXXX XXXX XXXX on XX/XX/XXXX and order a XXXX that was supposed to be delivered XXXX XXXX. It was not delievered. I reached out to XXXX XXXX XXXX and they advised that I needed to reach out to my bank in order to get the refund because the shipper was unable to validate who picked up the XXXX or where the XXXX was located. I submitted a dispute with Chime and explained this to them .. Chime then denied the claim and said that MERCHANT CONFIRMED THAT THE TRANSACTION WAS MADE AT THE PHYSICAL LOCATION. However, I NEVER said that I did not purchase the item. I said I never got the item, I never picked it up. It was NEVER SHIPPED TO ME!!! I went into the store, purchased it and it was supposed to be shipped to me. Never was. The item that was purchased was a car XXXX. Which can NOT be brought in a store. Which means that the customer never left the store with the item. For Chimes records I have attached a copy of the conversation with a XXXX XXXX XXXX Agent to confirm this information. Again, I need this claim re-opened and corrected. I ALSO HAVE ATTACHED THE COPY OF THE LETTER FROM XXXX XXXX XXXX Merchant verification or validation Merchant confirmed that the transaction was made at the physical store to justify the member provided an original receipt that confirmed the member received the item and service upon leaving the store merchant also breakdown the member charges. Compelling documents. If you wish to continue to dispute pls contact directly the merchant. HOW CAN A PERSON LEAVE A STORE WITH A XXXX PLUS POUND OF XXXX? WHEN THIS IS ALL SETTLED I WANT THIS CHIME ACCOUNT CLOSED
12/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 61115
Web
I opened a credit builder account with Chime in early XXXX. The way it was advertised is that if I deposit money into it, I use the card like I would a debit card to pay bill etc. They would then report to the credit bureau. I began depositing 50 % of my checks twice monthly with an average of XXXX XXXX going to that card. This card is supposed to act like a prepaid card. Whatever goes on it, is all that is available to spend. At some point I believe in XXXX, I noticed that my credit score was just dropping instead of increasing like they had promised in their advertising and when I checked XXXX, it showed a balance of {$1600.00} which appeared as though my available credit was negative and dropped my credit score over XXXX XXXX I then stopped depositing money on that card or using it, and the balance still shows {$7.00} Now the issue is they're saying I owe them {$560.00}. No one was willing or able to clarify where the {$560.00} came from. Since this is not a traditional credit card, there is no total available balance for me to have over spent on that card. I can only spend what I have deposited. Now not only is it showing a balance that is impossible to have, per their advertising, but it is also showing 2 late payments which just hit my credit score again. So despite paying off all of my credit cards and most of my debts, I now have negative payment history effecting my score rather than it improving by getting myself in a better financial position. When I've talked to Chime about this, the only thing I've been told is to check monthly statements and they don't understand what I'm asking.
10/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • XXXXX
Web
I woke up to two emails from Chime this evening : One that said a new login was detected on my account, and another that confirmed the opening of a checking account, the card would be on the way soon. I did NOT authorize any of this, so obviously I was alarmed. I do have a Chime account that I did make years ago, and last year I updated the information, most notably my phone number. I had to talk to customer service for this, because it's a XXXX number ( moved ) and I wasn't getting any codes. They fixed this over the phone, but tonight I couldn't log in and when I went to use my same number for a password reset - it's a completely different number I don't recognize. This meant I had to call them, so I did and explained my situation. The woman on the other end was nice, but didn't seem to totally understand my situation completely no matter how I worded it. She got the phone number issue and said she would email another department to get it changed, but that isn't urgent enough considering the situation- and they would not answer my questions about who logged in, how they were able to get in and change my number with no notification to me, etc. After this call, I followed up with an email to XXXX explaining it, but no response there yet either. Such a slow response to something like this is NOT acceptable. At this point I want any account I have with Chime to be completely closed, and for any attempts made to open an account using my email to be axed. Nothing has shown up on my credit alerts or reports, but this is still alarming either way. Shady company that needs to be held accountable.
10/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 12601
Web Older American
I had a hacked account due to a phishing scam I discovered occurred in XXXX. I opened a claim on XX/XX/XXXX # XXXX for all of these charges made by a merchant named XXXX XXXX XXXX who I can not identify to contact directly. I also have a charge not included for {$560.00} from XXXX XXXX XXXX and that charge was handled separately and also denied but without a rebuttal filed despite my request and supporting documents given. I had my claim for fraudulent charges on all of those almost immediately denied. I inquired why and asked for supporting documents of theirs and they said they would mail it and email it neither of which I have received in the last three weeks. I followed up with a rebuttal on claim # XXXX and tried to do include the other charge but was denied a rebuttal for the {$560.00} charge. I ventured forward and submitted additional supporting documents. I inquired about why I had not received XXXX and was told I was not eligible because it has been more than 60 days for some charges. I asked why and they kept saying Regulations E, with no details. I looked into the matter and I believe under Regulation E that I have a legal right to provisional credit since the claim is still under investigation and it has been more than 10 business days. Every time I reach out to the dispute team via chat or phone I am dismissed with canned responses and disconnected without proper resolution. They seem to be avoiding responsibility for fraudulent charges and provisional credit which is what I am seeking due to the severe impact it is having on me and I feel like they are scamming me at this point.
10/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 90650
Web
Ok so basically I depsitted a large amount of money in my chime account. Money came from the covid Assistance, my taxes, savings etc. pretty much it was my savings I previously had in my cashapp and felt it should be in a bank to be more secure. I started seeing emails from chime transactions alerts on my phone so I called reported the issue they gave me back what was stolen. Then I had the misfortune of losing my phone which had my banking app and pretty much my identity on the palm of their hands. I reported everything immediately and chime stood by while my account was being drained day in and day out. I was helpless to stop them because my info was changed. And chime closed my account after it was fully drained. Ive put in multiple disputes rebuttals and all get denied when I ask for the documentation on why my claims were being denied all they do is send me a list of transactions Im disputing. Ive called spoken to pretty much the whole company from disputes, new accounts dept, fraud, supervisors and all tell me they will send an email to the correct dept and for me to wait for a response from support @ chime. I wait I get a response and they tell me the exact same thing. Nothing. Just keep getting denied and when I ask for documentation on why they are denying my claim they send me what Im disputing basically nothing. I ask why they close my account and they say it does not comply with the user deposit agreement. I ask which part they say read the deposit agreement. I didnt do nothing wrong. I deposit my money and it gets stolen and they refuse to help me they just give me the run around.
05/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98444
Web
On the XXXX of XX/XX/2023, I received a email from the bank that my pin has been changed. But I didn't initiate this action. And I sent a message to the bank immediately. The next day, I noticed that online automatic payments I had scheduled were being returned for insufficient funds. But l provided for these payments in my account. When I finally got access to my bank app, I noticed XXXX withdrawals totalling {$1500.00} had been made from my checking account. I didn't initiate these withdrawals. The statement showed that this activity was done at XXXX, XXXX XXXX XXXX XXXX. When I contacted the merchant, they identified these charges on their system. But said, my bank atm associated with my checking account at Chime Bank was not the card used in making the transactions. The last XXXX digits of my card which I provided the merchant did not match the card on file used for the purchase. I contacted Chime bank the first few days after noticing these charges. Chime initiated a investigation. But within XXXX hrs, Chime returned with a verdict that no error occurred and as such, I will not get a temporal credit or a full refund of the debited charges. I called Chime again, stating my displeasure with the first complaint. And they reopened the investigation for the second time which is ongoing as at the time of my making this report. Chime failed to secure my funds in its care. The Company through recklessness allowed thieves to gain access to my funds even without using the debit card it had issued me. This was evident after l had called the merchant in XXXX XXXX XXXXXXXX, the location of the theft.
08/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 751XX
Web
On XX/XX/2022 XXXX I received an email notification from chime titled Action Required : Please Reply Hi XXXX XXXX We are reaching out to you because, during routine monitoring of accounts on Chimes platform, we identified that you may have created two or more Chime Checking Accounts. This may have occurred accidentally at enrollment, however, Chime does not permit members to have multiple Chime Checking Accounts. In order to avoid any account disruptions, please provide the following items for review : Primary government-issued photo ID, such as a Drivers License or State ID card ( copy of both the front and the back ) A photo of your signed Social Security card Please provide the email address & phone number that is associated with your primary Chime account. How This Impacts You Please note : There is no impact to this account at this time however, you will need to respond to the above question ( s ) within 5 business days to avoid potential account access restrictions. I sent all documents requested the same day XX/XX/2022 multiple times. I called and contacted member services and they told me the account has been suspended while they investigate which could take 48 hours. I contacted chime again through email XX/XX/2022 asking for an updated, chime responded : Hello XXXX, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. Thanks, Chime Team
09/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 210XX
Web
I was purchasing a motor scooter with a company out of California called XXXX XXXX XXXX XXXX. Using their lay away payment program. I made the initial payment of XXXX which is the shipping fee. I then made two more payments one of XXXX another XXXX first payment cleared my bank chime acct other two were pending hit next day but were declined because my bank put a merchant block on. Called bank they didn't give me reason why. I then look XXXX XXXX XXXX up on XXXX XXXX XXXX there were complaints after complaint that this company is a scam. So ive tried getting refund back with company but no luck. I tried filing a dispute with chime but yhey refuse to do dispute because one i authorized transaction two i hadn't pd for the complete total of item and not being delivered my argument with bank is they put a merchant block on that company therefore keeping me from making full purchase amount agent tgen wa going to see about removing block so i can finish making pauments on full to a company known to be a scam and my bank chime apparently also knows the company is a scwm or why else put a merchant block on. To be ably to do a dispute for XXXX dollars which i think if allowed by bank to knowingly keep making payments to a company known to be very fruandulant is just stupid so you as cinsumer can fike a dispute. I think chime because they put a merchant block on keeping me from.fullfilling payments should allow for dispute to get refund of the XXXX they allowed to clear they knowingly allowed one paymebt to go thru before applying the merchant block therefore they should be held liable for saud amount
10/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 90650
Web
Ok so basically I depsitted a large amount of money in my chime account. Money came from the covid Assistance, my taxes, savings etc. pretty much it was my savings I previously had in my XXXX and felt it should be in a bank to be more secure. I started seeing emails from chime transactions alerts on my phone so I called reported the issue they gave me back what was stolen. Then I had the misfortune of losing my phone which had my banking app and pretty much my identity on the palm of their hands. I reported everything immediately and chime stood by while my account was being drained day in and day out. I was helpless to stop them because my info was changed. And chime closed my account after it was fully drained. Ive put in multiple disputes rebuttals and all get denied when I ask for the documentation on why my claims were being denied all they do is send me a list of transactions Im disputing. Ive called spoken to pretty much the whole company from disputes, new accounts dept, fraud, supervisors and all tell me they will send an email to the correct dept and for me to wait for a response from support @ chime. I wait I get a response and they tell me the exact same thing. Nothing. Just keep getting denied and when I ask for documentation on why they are denying my claim they send me what Im disputing basically nothing. I ask why they close my account and they say it does not comply with the user deposit agreement. I ask which part they say read the deposit agreement. I didnt do nothing wrong. I deposit my money and it gets stolen and they refuse to help me they just give me the run around.
01/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 190XX
Web
RE : claim # XXXX I requested a refund from Chime for services not rendered. I was denied a refund within an hour. I was not given the opportunity to provide any proof to this claim. I have corresponding text message as proof as well as paperwork I was suppose to receive with other people 's name on it. These transactions were paid out through XXXX XXXX. This was XXXX of the reasons I was denied a refund. I was also told I was denied provisional credit due to me having a XXXX balance. At that particular time my balance was not at a XXXX balance. I did withdraw my funds from Chime, and stopped my direct deposits due to terrible customer service. There have been times I go to the store to make a purchase, and that transaction is denied with thousands of dollars in my account. The excuse I am given is we are having a glitch in the system ; try back later. My funds as a consumer are supposed to be protected at all times. I previously called for another refund, due to me not receiving my product. I was denied that refund as well. I have moved my business to another financial Institution. As a depositor with Chime my funds are covered through the FDIC up to {$250000.00} dollars. I expect Chime to do a legit investigation. As a consumers we are the reasons these financial Institutions stay in business. These institutions have no money or collateral. These contracts made with these corporations ; it must be XXXX parties that come together with equal collateral. These institutions use the consumers funds. We all know that for a fact. I am following up with the FDIC as well with this complaint.
01/03/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • WV
  • 260XX
Web
I received an email stating that there was suspicious activity on my account, and I needed to send in a proof of residency and an ID verification. I sent in the documents that they requested and was told that someone would reach out to me regarding my account. It has now been over a month, and I have sent emails to their support team, outreach and members services. No response from anybody. When reaching out to their customer service over the phone all they tell me is to be patient that my documents are under review. I have bills that are now behind, and my kids didn't get a XXXX due to their negligence. I have read other consumer reports, and this seems to be an issue for more than just myself. I have done everything on my end they have asked of me, I'm just asking that somebody unlocks my account so I can care for my family the only funds that I have are in that account. XXXX : Sent in my documents ; XX/XX/XXXX : sent in my documents again this time to Chime Support, Chime Outreach, and Chime Member Services ; XX/XX/XXXX : sent in my documents again ; XX/XX/XXXX : asked for an update ( was told to be patient they were still under review ; XX/XX/XXXX : asked for an update again ( got nowhwere ) ; XX/XX/XXXX emailed them again asking for update and sending documents in again ; XX/XX/XXXX : emailed XXXX they responded back stating its not in their hands that it is chime but chime says that it is XXXX XXXX and XXXX called and emailed Chime they gave me same response that i have to email XXXX back office and they will get back to me which i have been waiting for their response for a month now.
05/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32792
Web
Hello, The complaint I am filing is against Chime Bank. On XX/XX/XXXX I filed a dispute regarding two ( 2 ) unauthorized transactions charged to my account. The first transaction was done on XX/XX/XXXX at XXXX in the State of Ohio XXXX The merchant name is XXXX XXXX XXXX restaurant ) in the amount of {$40.00}. The second transaction was done on XX/XX/XXXX at XXXX in the State of California XXXX The merchant name is XXXXXXXX XXXX ( dining delivery ) in the amount of {$43.00}. I live in XXXX, Florida. There is an authorized transaction I physically made at XXXX Pharmacy here in OXXXX on XX/XX/XXXX. I could not have made those other transactions. Initially, Chime Bank gave a temporary credit for the first disputed transaction, and then this morning I received two emails regarding the disputes from Chime Bank. The first email states that they are reversing the credit given for the 1st transaction ( {$40.00} ) based on their " investigation ''. The second email states that they will not credit funds for the 2nd transaction ( {$43.00} ) based on findings in their " investigation ''. I have phoned Chime Bank, informed them of their obvious error, demanded it provides the documentation it used to reach its conclusions, and stated that if they do not reverse course, I will permanently close my account with them. Regardless of the fact that this is not a large sum of money, it is my money and I did not make those transactions. I have used Chime Bank since XX/XX/XXXX, have made ALL transactions here in XXXX, Florida and have had no issues until now. However, this is ridiculous and wrong.
06/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 43130
Web
I filed a Dispute with Chime XXXX XXXX XXXX and XXXX XXXX on an unauthorized transaction to a XXXX XXXX XXXX XXXX in XXXX Overseas for the amount of {$1100.00}. My information was stolen from my phone and they hacked into my accounts and changed my information on my Chime Credit Builder account and made unauthorized purchase overseas on XX/XX/2021 Chime member services changed my name to someone else on my account unauthorized. My email and phone number on XX/XX/2021 from this person who hacked my account. I disputed the Transaction and sent them information evidence they sent me threw my new email on my account because had to change old one that was used hacked into.they closed out my cards and sent me new ones on XX/XX/2021. Now I am still fighting for my dispute from money that was stolen out of my account. The Dispute ID # XXXX with Chime The XXXX XXXX and XXXX XXXX. They keep denying my claim with out sending me information why it was denied. I had a hold and suspicious activity on this account all noted in there systems and emails. I contacted them everyday filed police report, Cyber Crimes report and sent them eviendece 3 times or more and still they denied my dispute. They will not tell me why and hang up on me. This was an international transaction threw XXXX and My international transaction is blocked in my account so I don't see how this happened in my account I think it was an inside job A chime worker who did this. They said on their website that my money was FDIC insured and my data and information was safe but it wasn't safe. I do not trust Chime XXXX XXXX XXXX XXXX XXXX
09/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 95624
Web
I received an email on XXXX stating that my Chime checking account was placed on hold. I emailed that back a couple of days later to see what I needed to provide to get my account unlocked. I didn't receive an email back till almost a week later asking for documents like proof of address, ID and statement for the incoming deposits. I get direct deposit from my employer into my account as well as my XXXX that I have open as well. I also get deposits from friends and families when they XXXX XXXX me. I provided all documents Chime had requested. I kept getting the same email over and over asking for the same documents and that they're sorry they couldn't complete the verification. I have called customer support and all they could do for me is " escalate '' the ticket and to wait 24 hours. I have given them plenty of time to verify my identity. I have rent this week and my employer had already submitted payroll this Wednesday so I was not able to cancel my direct deposit for this payroll. She had also messaged me this morning and told me that the direct deposit went through when the representative I spoke to at Chime said that " Since your account is on hold, any incoming deposits will be returned to the issuer in 1-3 days. ". Then why did my employer say it went through? I'm highly dissatisfied with Chime and their customer support. I can't access my funds I've worked for to pay for rent and will be evicted soon if I do not pay. How can I do that if my funds are stuck in an account that Chime refuses to unlock even though I've given the proper documents they've asked for. This is outrageous.
12/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 19320
Web
On Saturday XX/XX/XXXX I reached out a an instagram seller whose XXXX name is XXXX. This individual had advertised some purses, XXXX boots, XXXX etc. I chatted with her for awhile before coming to the conclusion that I wanted to order a pink XXXX XXXXurse and some denim XXXX. She stated she took XXXX as payment however when I tried to XXXX her I was given an error message. Mind you I don't use XXXX. But I created the account to satisfy the business. When I messaged her and told her that XXXX was giving me an error messsage, along with a scrren shot of the message, She sent me a chime acct to send the funds to. So I asked and said I thought you only had zelle? Her response was I dont use chime. Its because I see you have chime so I ask my sister to accept the funds for me. I was directed to chime the funds ( {$210.00} ) to XXXX and an email address of XXXX. Upon sending the funds, I was told that my items would be shipped on Monday. I reached out again via instant message on XXXX and asked if my items were shipped. I got no reply. I waited a few hours and messaged again. Her response was that she had me mixed up with someone else from my friends list who ordered but she was leaving her moms house and would send me all the tracking info and that she shipped it already. So my next question was how did you ship anything? You do not have my address as I never gave it to you. I messaged her again on XXXX @ XXXX and asked for the tracking information and at that point she deleted the page. I contacted Chime on XX/XX/XXXX and explained the situation and was told there was nothing they could do.
12/05/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • 85015
Web
I have been a loyal member of Chime for 3 years. On XX/XX/2021 I was recently a victim of fraud. My debit card was copied and used at an ATM in XXXX, Arizona. I quickly filed a police report and completed necessary dispute form and sent all required information to the Chime Bank XXXX XXXX. On XX/XX/2021 I was issued a provisional credit of 318.00 ( Total of ATM withdrawals + ATM fees ). On XX/XX/2021 I received an email advising that no error had occurred. I requested a rebuttal due to the fact that I did not make the ATM withdrawals and completed all steps required by Chime to resolve. I am now being advised that my account will be debited 318.00 on XX/XX/2021 despite me providing the actual police report document. The transaction took place in XXXX Arizona. I am in XXXX and could not have physically made these transactions. I am single mother who has recently become unemployed. I am typing this with tears in my eyes as I have pleaded to Chime to make things right. I have cooperated with Chime throughout this entire process and as a consumer would like to be extended that same grace. I have remained loyal to Chime throughout their early stages, technical errors, class action lawsuit, etc. and do not believe I am asking for much by requesting that same courtesy and loyalty be extended to me. As I write this, I have no idea how I am going to feed my family and Chime debiting the provisional credit amount would only put me deeper in a bind. I am incredibly disappointed by the lack of ethics, integrity, and system processes Chime has in please. As a consumer this is very concerning.
06/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 76109
Web
THIS HAS TO BE ILLEGAL GIVE ME MY MONEY I get endless and endless of emails asking for ID, Statements, And debit cards number ending in XXXX or deleted cards and deposit verification and second form of ID a utility bill I send them extreme documents over and over every day XXXX times a month for nearly a month I ever sent them the email confirmation of any deposit I ever made and they sent the same automatic message below, How in the heck can you refuse to refund someones money? After I have clear verification that the account is mines, Are you kidding me? I cant send any thing else thats all I have, I dont have XXXX bank statement yet because we are still in the month of XXXX but the email verifications and bank statements of owner ship is sufficient enough Message I send them asking to verify documents I sent in Requested information to reopen account XXXX XXXX XXXX Bank statements For card number ending XXXX Please review documents for reopening of account This is what they send me after send XXXX documents Hi XXXX XXXX Thanks for reaching out. I'm sorry for the inconvenience of this situation. After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement. We regret any inconvenience this may have caused. Please let us know if we can assist you further or give us a call at XXXX Thank you, XXXX | XXXX XXXX XXXX This is a complete disaster
01/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NV
  • 894XX
Web
XX/XX/XXXX - wire transfer requested by me from retirement fund to place {$13000.00} in my bank account XX/XX/XXXX - bank says they sent email to request information, but I never received said email XX/XX/XXXX - discovered account had been suspended by bank. I contacted the bank to inquire about suspension and was told to submit documentation : ID, secondary ID, proof of address, as well as an explanation of the funds that were deposited into my account. I expressed my concern about sending personal information over email and the bank said that was the only way to get the issue taken care of. XX/XX/XXXX - I submitted the documentation requested by the bank. XX/XX/XXXX - I called the bank for a status update and was told they couldn't open PDF files, so I needed to resubmit ALL the documentation requested above as JPEG files. XX/XX/XXXX - while calling for another status update I was informed I needed to submit more documentation : front and back of driver 's license, as well as a photo including the front of my ID and my face. With hesitation I did as they asked and submitted said additional documentation. XX/XX/XXXX - Sent email to bank requesting status update XXXX the bank did not respond ). XX/XX/XXXX - Spent 1 hour 15 minutes on the phone with the bank inquiring about status of my account. XX/XX/XXXX - Spent 47 minutes on phone with bank just to be told, " just wait for a response or a request for more information. '' XX/XX/XXXX - As of this date I have not heard from this bank via email or phone, my account is still suspended, and I'm unable to pay bills, buy groceries, etc.
07/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CT
  • 064XX
Web
These events take place within the last 8 days and is still ongoing : XX/XX/2023, and XX/XX/2023. My Chime account was " suspended '' on XX/XX/2023 for suspicious activity after depositing my XXXX US Federal Income Tax Return. Upon this realization the following day, XX/XX/2023, and after speaking with customer service I was instructed to email a list of documents to prove my identity and the legitimacy of the deposit as well as an explanation for the deposit. I have since spoken to customer service twice in the last week, given support ticket # XXXX, and have sent the following documents ( for which I have received no confirmation of receipt ) : 1 - Medical Bill ( Proof of Address ) 2 - Government Issued Photo ID ( Drivers license ) 3 - Photo of me holding physical ID 4- United States Passport 5- Letter from IRS to me, stating Tax Refund amount that was deposited 6- Letter from IRS to my spouse, stating Tax Refund amount that was deposited On all 3 occasions after contacting customer service, I was told that I would receive notice of a review being completed within 24-48 hours. It has been 96 hours since the first time I was told that. The last time that I spoke with customer service, yesterday, I was again told that I would receive notice within 24-48 hours. It has been 8 days since access to my account and primary source of funds was suddenly terminated. This has obviously created an emergency situation for myself and my family, and I am desperately seeking assistance to resolve this problem. I have complied with everything Chime has asked of me with patience and understanding.
10/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MO
  • 64152
Web
On Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX I used my Chime debit card to purchase gas at XXXX in XXXX, Missouri. At XXXX XXXX my card was used for a purchase at XXXX 's XXXX out of New York for {$150.00}. At XXXX XXXX my card was used again at XXXX 's XXXX for {$46.00}. Once I realized the charges were made I called Chime and advised them I did not make the charges and they canceled my card and sent a new one. I disputed the transactions and their fraud department almost immediately denied my dispute stating the charges were valid and that they would send me proof of how they came to their conclusion. I responded by sending them information that showed I was in XXXX XXXXXXXX at the time of the charges in New York, the phone number to the dentist 's office I was at an hour before I bought the gas, the address of the XXXX I was at, time stamps from their app showing I bought gas at XXXX XXXX XXXXn XXXX XXXXXXXX so it would be impossible for me to make a purchase in New York at XXXX XXXXXXXX but they have continued to state the charges were valid. I researched XXXXXXXX XXXX XXXX and found that they do not do online orders so it is not possible to order something online to have it shipped to me. I again asked for their proof and was told it would be mailed to me within 10 business days, only to discover it was e-mailed and when I clicked the link to view the information the link expired. I requested the information again and when I got the link this time, the link said I was not authorized to view it. I sent them a screenshot showing this and have yet to hear anything back from them.
05/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 30345
Web Servicemember
A dispute was resolved in my favor so chime credited my account {$5000.00}, on a provisional basis on XX/XX/XXXX, but then the provisional credit was turned into a permanent credit on XX/XX/2021. For some reason the bank made a negative {$5000.00} adjustment to my account on XX/XX/XXXX after adding {$5000.00} credit. So on XX/XX/XXXX when they subtracted {$5000.00} and added it back to take away the provisional credit and add the permanent one, the {$5000.00} credit only reversed the negative {$5000.00} balance and I ended up with a XXXX balance so no check was issued to me. I closed this account XX/XX/2021 so all of this happened after the account was closed. Ive called and emailed so many times I cant count. The investigation team keeps denying my claim and Im not allowed to speak to anyone on that team nor email them. Ive escalated this to the investigation team within the dispute department four times and I get the same answer each time, a final decision was made and we already credited the account with the {$5000.00}. Theyve never told me why they made a negative {$5000.00} adjustment on XX/XX/XXXX, which seems to be the error. I received no money from chime since the credit was applied to my account and I was told by a manger in the dispute department that there was nothing they could do other than continue to escalate the issue to the investigation team and see if they give me a different answer. Of note, the manager in the dispute department agreed with me and understood that I am owed {$5000.00} but said he could not do anything about it. This was on Tuesday XX/XX/XXXX.
12/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 79606
Web Servicemember
I opened up a chime account so i could have my pay direct deposited to this account. I havent received a card and i needed access to the money deposited to my account. So i XXXX how to talk to a chime representative and called. The number i called was supposed to be a chime representative to help me get access to my money without having my card yet. That number was XXXX. I talked to a guy named XXXX XXXX and he was walking me through the process. We got to where i thought we were almost finished and got cut off. I tried to call back and the person that answered asked me what happened and then he hung up on me. I called again and the same thing happened. So i immediately checked my chime app and my money has been taken out of my account. I found a number to the real chime customer service and talked to them and told them what happened. They then filed a dispute and said not to worry that it would be taken care of. I provided them with all the documentation that i had with the fraudulent representative. I got an email about two hours later and it said that they had denied my claim and that nothing had happened. I resubmitted a recital and it too was denied. So i was out {$290.00} because of this. Well before this all happened i had transferred {$100.00} to my husband. I got an email yesterday that said that the money sent to my husband was sent back to me and was in my chime account. Then i received an email from chime saying they were closing my account and that i didnt have access to the money in the account. I dont know what to do but i have documentation for all this. Please help
10/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • CA
  • 93065
Web
On Monday, XX/XX/XXXX I received a letter from Chime bank with a new debit card ready for activation. The materials stated to activate the card in the app. It also provided me account numbers and routing numbers to give to my employer for direct deposit. I did not open an account with Chime bank, and wanted to take steps to remove this account. I called the number on the back of the card ( XXXX ) but was unable to speak to someone. I emailed Chime bank at XXXX ( I did not want to open their app ) and received an automated response from XXXX. She stated she would forward the information to the " Correct Department '' and I have not heard back since. I sent another email with additional information that might be more identifying to the account I am discussing but I did not receive any response either. It has been more than the 2 business days that they asked for. I would have appreciated an actual response or call from someone who would look into the matter rather than an automated response, so I am filing a complaint with the Consumer Protection Financial Bureau in hopes that they would actually investigate, respond, and close my account. I have already placed a credit freeze on my account ( from years ago ). I have placed a security alert on my account with the credit reporting agencies. I have placed an alert with XXXX ( which Chime does not participate in ) in order to prevent other bank accounts being opened fraudulently. I am happy to provide additional information as needed to settle this. I want the account to be closed and any activity to be marked as fraud.
12/15/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 373XX
Web Older American
On XX/XX/2023 I sent XXXX XXXX {$150.00} through my chime online banking account. I have done this a couple of times before and received receipt of transaction but this time I didn't receive receipt and since she was with me I knew she didn't receive it. I sent it through the app where you can pay anyone even nonchime members I called chime in hopes to get this taken care of they give the money back on XX/XX/XXXX only to take it back out on XXXX the XXXX. They said they deposited the money into her account even though I tried to explain she didn't have a chime account ever. I then called on XXXX the XXXX and demanded to talk to a supervisor. They transferred my call to a XXXX or XXXX I didnt catch the name. He assured me he was gon na take care of the problem. He told me to go to a website so he could remotely help me fix it. Little did I know he was in my phone and in my chime account and sent himself all the money I had left in my account. He sent {$360.00} to XXXX. I didn't authorize him to take money out of my account but since he was on my chime it looked like I sent it to him. Trying to keep my composure being right here at XXXX time and finances are tight anyway I called chime back to file a complaint and see what could have happened they file a dispute to email me as soon as we get off the phone saying there was no mistake and they would be closing the disputes. I don't know what to do other than to contact an attorney. Hope this doesn't happen to anyone else. They know where the money went period. If they didn't take it they sent it to the wrong person without my consent.
11/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 78209
Web
Chime bank owes me money for neglecting to secure my funds from a compromised account and my refunds from XXXX and XXXX which were released and never put back because chime failed to pay attention and said that it expired how they can keep funds I haven't the slightest. Also leaving compromised card open to still transfer money from XXXX XXXX to a account with my name but s spelled different when told about this they neglected to see what I was saying and it continued to go on I made a disputes with my transactions and instead of disputing my actions they put their own transactions to dispute that I wasn't even disputing they close my account saying I went over some deposit agreement but the deposit agreement was not a problem until I had a problem receiving and getting my money back that's when it was a problem I've been going through this for 2 years and they've done nothing they close my account they have not sent documentation like they were supposed to unwind and for what reasons and the transactions and everything else just simply close they have not treated me XXXX I want this taken care of once and for all and I would like to have my funds back we're talking about XXXX XXXX XXXX and they should be held accountable. They were also told that my statements were saying XXXX different things for the times that I requested the statements and I just don't see how that was possible and I even highlighted the different XXXX XXXX XXXX and they ignored that I even sent them my XXXX XXXX account receipt showing what all I paid for that did not equal to all the money that they said
10/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 78748
Web
Last Tuesday I was notified that Chime had detected suspicious activity with my account via email. Since they did not detail what the activity was, I called and was told after talking to multiple agents and supervisors that there was a pandemic payment assistance program ( something I had no knowledge of, and had never participated in ) was trying to make a deposit into the account. They subsequently locked, suspended and closed my account within the span of less than XXXX hours. I was then told that none of the funds I had already in the account would be returned to me. This has caused me a huge amount of distress not only because I had {$1000.00} in my savings ( now closed and unable to be accessed ) but my payroll check this week was also disrupted and now I am unsure as to whether I will receive it now at all. Chime has also stopped answering phone calls and they are no longer communicating by email, so I have no way of knowing what is going on or what the status of this issue is. They continually refuse to communicate and when I was able to talk to someone at the beginning, I was sent on a never ending circle of hearing the same thing- no help is offered. there is nothing they can do, etc. I would like all of my funds to be returned to me whether that is by Chime unlocking the account, or by sending me a check in an expedited manner. All of the funds that were in there are funds I had personally worked hard to save over the last few months starting a new job. I am now stuck with no way to buy gas or groceries or pay my bills due to this action by Chime. Please help!
10/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30223
Web Older American
I had an alert about an ACH that was debited for {$49.00} forHud foreclosed. then XX/XX/2020 got another alert about another ACH. this was on XX/XX/2020, from some XXXX that I never saw or knew about and put in an Unauthorized claim as this was at XXXX XXXX at a time I am sleeping around XXXX XXXX. for {$79.00} for something that I don't know what this item is and never would buy online. I only use my CHIME for all local bill paying and shopping, and would never give out my Direct Deposit account information to. I only receive {$630.00} social security funds to this card and as I understand that anyone who tampers with Federal income funds can be prosecuted. I did not order anything from some XXXX in Washington State or even California, and never will. I block all numbers from the western States as they are all criminal cartels there. I just want my money back as it has set my Mortgage back because of the overdraft it caused. Chime is responsible for any suspicious activity that is being sent to my accounts. I had cancelled the card and got a new card but have taken my direct deposit out of Chime and will close all business with Chime when I receive my UNAUTHORIZED ACH back from XXXX which can't find any phone or customer service for. XXXX is not found in XXXX and the phone number that the XXXX XXXX gave me when I click on the number 2 option to talk to a representative, the phone hangs up and you can't talk to any live person and can't even verify who these people are. I did not ever order any service or item from them as I can't even find a number or address for them.
06/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92262
Web
I reported my card lost or stolen When I return home from a trip I contacted chime bank inform them of transactions that we're posting that we're Not authorized. I also provided them with a police report number Once I received the email from them telling me that these transactions would not be reversed I requested of all information that was obtained for them making that decision.. I also requested at the time a new debit card I changed my pin. I even went to appeal the original decision not to reverse the charges as of this date my account has been closed I'm still to receive any type of written documentation for them supporting that decision to deny every single claim. When I called back to customer service and spoke to representative and I asked her what evidence supported you your claim to deny my request for reimbursement And was told then that actually no information other than the information I provided to them Was considered.. I am lost as to how a company decides decides to not Remember me for unknown spice transactions when they never requested a copy of the police report and police report and I told them that that these transactions were we're unauthorized because I was not for example in XXXX XXXX so I was not buying gas in XXXX XXXX I was not Spending money for XXXX for 2000 and then was told that my deny was my my my claim was denied but but then I received a message from XXXX informing me is that a That a charge back is being issued by from my bank I was more concerned with the fact that I was now receiving an email from a company that I haven't signed up for
05/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 281XX
Web
I made a purchase on XX/XX/2022 in the amount of {$680.00} from the merchant XXXX for a XXXX printer, the XXXX XXXX XXXX. When I received the product it was defective and would not work. I contacted chime to dispute the transaction and I contacted XXXX and opened a dispute through them. XXXX looked into the matter and said I would get a refund, but chimes dispute put the order on hold, I provided the information to chime and they ruled that I would not get a refund because no billing error occurred. The information they provided me for why they denied the dispute makes zero sense and the document that was attached was issued 3 months before the printer was ever available for sale. Because of chimes chargeback dispute the order at XXXX was frozen, they have been unable or unwilling to unfreeze the order and so they tell me they can not issue me a refund to go through my bank. I have provided every bit of information to chime and they refuse to reopen the dispute and investigated. I spoke with a floor manager of the dispute department yesterday, XX/XX/2022, and he had me provide the evidence that XXXX said that they were issuing me a refund, and reopened the dispute as refund / credit not received. He informed me that that was enough information to grant me a refund, and then he escalated it to the rebuttal team. Less than 24 hours later in a investigation that is supposed to take up to 90 days I received an email that states that they will not be issuing me a refund and they consider the matter closed. I am currently out XXXX for a product I was sent that does not work.
08/31/2020 No
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • LA
  • 70461
Web
On XX/XX/XXXX I received a text message alert from Chime asking if I have authorized XXXX to take money out of my account and I replied no. When I made it home I called chime and told them that it was not me making those charges and they said they would cancel that card and mail me another one. I never received another text alert about XXXX charges. I even received a email from Chime confirming the cancelation of my card. But Chime never did cancel my card and continued to let XXXX take money from my account. When I realized it, I called back and the Chime employee stole {$250.00} out of my XXXX XXXX account. Chime did reimburse me that money back a couple days later. I then received an email on XX/XX/XXXX stating that they did not see that ah error has occurred and they will not give me my {$1300.00} back. I demanded that they reinvestigate and to send me document on why they believe no error occurred. Chime then sent me the document they used to investigate my claim and they highlighted that I stated I had my card on my person at the time and that I store my pin in my brain as the reasons for denying my claim. I'm now on my third rebuttle for this claim and then on Wed. XX/XX/XXXX they sent me a email saying that after careful review of my account they regret to inform me that my account will be closed on XX/XX/XXXX. They are refusing to give me my money back and once my account is closed it will be even harder to get my money back. I am a single mother of XXXX kid, my youngest has a XXXX XXXX, I can't pay my rent beuse of this and we bwill be homeless. I NEED HELP!
05/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • PA
  • 19139
Web
Ive been a chime customer for few years now. My direct deposit is missing. I get paid every other Thursday. XX/XX/2023 is my pay day. I havent received my direct deposit. I reach out to chime on XX/XX/2023 and they inform me they havent received it yet when they do theyll post it. My direct deposit is never late. So I reached out to my employer XXXXXXXX XXXX XXXXXXXX XXXX confirmed they set their payroll out that Tuesday XX/XX/2023 and there wasnt a delay. They also provided me with the federal reserve tracing number so I can track it. I called chimed back to provide chime with the tracing number to locate my direct deposit and they said they have no way in tracking it. So I called my employer back. My employer found chimes processor which is XXXX. XXXX confirmed that they received my direct deposit XX/XX/2023 and sent it over to chime. That Friday what I talk to a supervisor he confirmed he sees my direct deposit it say payment pending but its not released. I should get my direct deposit that day Friday XX/XX/2023 which I didnt. I called chime back today XX/XX/2023 and they claim they still do t have my direct deposit. They dont try to look up my direct deposit with the ACH number I provided them with. I have 2 different entities saying confirming that it was sent to chime and also proof from the ACH number. Chime is holding my direct deposit, and keep giving me the run around. My employer talked to XXXX as well. Chime also emailed me saying we notice something changing with my direct deposit, which I did not change anything. Chime is messing with my direct deposit.
11/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 302XX
Web
I, XXXX XXXX, a consumer, am here to express and resolve my problems I am having with Chime. I have been a chime member for almost four years and Ive never had money stolen out of my account but as I brought this knowledge to Chimes attention by filing a claim, they denied my claim within 3 days after explaining to me that it would take at least 90 days to fully investigate my claim. I contacted chime on XX/XX/2022 to inform them that almost {$5000.00} of unauthorized charges had been places on my account while I was incarcerated. No one I am connected to had any access to account and my card was still in property. I let them know that I had absolutely nothing to do with any transactions that were placed on the dates XXXX/XXXX/2022 through XX/XX/2022 and that I was not aware of any of these transactions until I was released on XXXX/XXXX/2022, the day I called to make my claim. I am highly upset with chime and I dont feel as so I was treated fairly, I informed them that half of that money was my rent money and I had no other way to pay until I received my funds, so I was at least looking towards a temporary credit to my account so noticing my claim got denied within 3 days left me utterly confused and completely in distraught. I had no back up money and that led to me getting evicted out of my home, Chime has failed and gave me no explanation as to why my claim was denied and since they clearly dont care about their costumers I am going the extra length reaching out to the bureau because I know you all will take the right time to fully investigate my claim. Thank you
09/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • DE
  • 19711
Web
On XX/XX/2021 I used my card ending in XXXX to buy sneakers from XXXX that cost {$140.00}. Once I returned them I then requested XXXX to start a return and they did. I dropped the sneakers off at XXXX and got a return receipt. I then was told my {$140.00} would be issued back to my Chime card ending in XXXX. Because of this not being refunded when I thought it would I filed a dispute. Chime denied my dispute ( XXXX ) and representative stated if I had new evidence they would file a rebuttal. I then provided them with my XXXX return receipt as well as adidas updated status stating my funds were returned back to my card ending in XXXX. However the next day they denied my rebuttal stating no error occurred. I then contacted XXXX via chat and they informed me that they tried sending my funds back twice to my card ending in XXXX and chime denied my refund. They stated I needed to contact chime, which I did and it was on Thursday XX/XX/2021 @ XXXX where I spoke with chime rep XXXX and XXXX representative and he informed the chime rep that they tried to process the refund twice back to me and it kept being blocked. The chime rep had no response. He also stated he would escalate this and gave me incident number XXXX. On XX/XX/2021 @ XXXX est I called the dispute department and the rep stated he saw my claim was still denied even with the supporting evidence that shows I indeed sent the merchandise back and was told by the merchant my funds were sent back to my card. This has been overwhelming and I would like my funds to be issued back to me as well as an apology from Chime
01/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • GA
  • 304XX
Web
My account was closed without any forewarning. The funds in the account are now inaccessible and this has caused me financial issues as Im unable to pay my bills without this money. Ive contacted customer service but automated message redirects your call and advises account is closed so only contact can be submitted via email. Their email response is asking for transaction details and states that account was closed due to international funds transfers. This is not true. I have made the same purchases and charges on this account for years. I also had the transactions and international transactions options shut off on my card for security purposes. I only authorized transactions when I knew I would be making a purchase and the rest of the time I kept this option on the app disabled do no one could use the card without my knowledge. Now it appears that there are hundreds of people whos accounts have been closed for no reason and chime just advises that IF there are any funds left in the account, they will be refunded via a check within 30 days and mailed to me. Ive tried calling chime, XXXX XXXX XXXX XXXX, XXXX, the XXXX, my local congressman, the states attorneys office, office of the comptroller of currency, and multiple multiple phone and email dead ends. To sum it up, they closed a ton of accounts, are not returning the funds in a timely manner, they are quoting a bogus terms of service violation and refuse to provide and documentation or proof of this violation. Now my bills are late, fees are piling up, and Chime has over {$1400.00} of my money inaccessible to me.
01/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • IL
  • 60639
Web
I truly dislike doing this, however the encounter I received on yesterday from multiple of Chime employees infuriated me to a point of searching and obtaining an attorney. I'm a small business owner who owns a cleaning company XXXX XXXX XXXX XXXX ) and I currently have a contract with XXXX and obtain future clients for cleaning services. XXXX setup direct payments with the Chime account to receive both instant and weekly deposits. Each deposit was a success until yesterday, XX/XX/2023 when XXXX texted me and informed me that Chime rejected a payment in the amount of {$110.00} ( weekly pay ). I contacted Chime the first representative deemed unprofessional and terminated the call. I called Chime again at XXXX and spoke with XXXX. After my encounter with the first representative, I demanded to speak with a supervisor. XXXX became antagonistic and denied my request until I read him consumer law of denial a customer to speak with a supervisor. After XXXX grueling minutes XXXX ( supervisor ) finally merged on the call. I was overwhelmed with emotions and educated XXXX that Chime rejected a payment of {$110.00}. I continuously read the text message more than 6 times. XXXX informed me that he witnessed numerous deposits from XXXX ( now showing as " XXXX XXXX XXXX '' ) and he was unable to located the rejected payment. Attached are proof of multiple instant and weekly deposits to the Chime account debit card ending in XXXX with text message from XXXX of rejected payment of {$110.00}. On Attachment XXXX will display the rejected payment of {$110.00} and a note of rejection.
11/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19007
Web
I got an alert on XX/XX/2022 that my banking information was being used for a transaction in Delaware for XXXX dollars while I was at home in Pennsylvania which is hours away from Delaware. I immediately got on the phone with chime customer service to alert them that this transaction was not me and not authorized by me and I have no idea how my banking information is being used for an unauthorized transaction of XXXX dollars at a gas station in Delaware. They said it was still pending so it may not settle and gave me a ticket number of XXXX for my phone call alerting to them that my banking information was illegally being used to make a purchase without my consent. I waited for the transaction to be cleared off and my money refunded to me but then I noticed chime allowed the transaction to settle even tho I told them this transaction was not me! I then called again to file a dispute and they took all my information and asked me some questions and told me a dispute was filed well they came back and said it was closed. They did absolutely nothing for me they allowed me to be robbed even tho I told them the minute I got the alert of XXXX dollars being deducted from my account for a charge I didn't even make was not me! There has been storied of people 's banking information being stolen through skimming and I believe that is what happened to my banking information. I have not disputed anything with my bank before and the one time I do they do not do anything to help me get my money back that was stolen from me right before XXXX, money that I need for my kids and bills.
10/15/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 91335
Web
Fraud Claim XX/XX/XXXX Claim numbers XXXX {$720.00} I need help resolving my fraud claim. I opened a fraud claim last summer. Your team denied my claim, even though I submitted a document from XXXX, stating that someone had illegally billed my account for their Invoices. XXXX immediately refunded several transactions and require that I reach out to chime bank and dispute the remaining transactions as XXXX could only go so far back. These transactions began in 2022. I have opened XXXX or XXXX rebuttals and they were all denied, and your team refuses to provide me with a reason for the denial. There is no one in that department that makes the decision to approve or deny a claim that a customer can speak to over the phone. We have to email Chime general customer service email for them to submit an auto-populated response. The response does no more than advise that you are denied and some one will get back to you with the documents utilized in the decision. When a response is emailed back with those documents it is only the documents that you submitted yourself as the customer when you opened your claim. I have been threatened that my account would be closed and hung up on by XXXX supervisors at the head of the claims team that you ARE able to reach via phone. Claim started out at over {$700.00} dollars. Claim was partially denied and emailed with a figure at $ XXXX and again with a figureat $ XXXX. All numbers are wrong. I have spent HOURS on the phone and email. Please research my entire claim and let me know who and what I need to do to get my XXXX dollars back.
11/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 90039
Web
The morning of XX/XX/XXXX I woke up to XXXX fraudulent transactions of {$1200.00}, {$1200.00}, {$1200.00} and someone sent themselves {$900.00}. I disputed the {$900.00} immediately and chime declined it the same day. I disputed it XXXX more times and they disputed them both. The second time I disputed I provided them with a police report. At this time the other transactions were pending so I couldnt dispute them. I disputed them XX/XX/XXXX those disputes are still pending but are not in the original amounts. The new amounts were split into XXXX transactions in the amounts of {$970.00}, {$970.00}, {$750.00} and {$470.00}. Including the {$900.00} this amounts to {$4000.00} that leaves {$500.00} of my money completely unaccounted for by chime. I have been a customer since XX/XX/XXXX almost XXXX years now and have never disputed a charge. Their customer service has been less than helpful and this is absolutely ridiculous. Someone was able to by pass the XXXX factor authentication and login to my account change my number to theirs and complete all these transactions. Chime put XXXX effort in blocking these suspicious transactions but blocked an almost {$30.00} transaction from XXXX XXXX a week prior. My email was spammed with XXXX of text messages and the spam hasnt stopped. I woke up to XXXX of calls and text messages as well that all occurred with the time frame of my money being stolen. Ive seen XXXX threads, XXXX videos and even news outlets that covered stories on the same fraud that happened to me and chime didnt help anyone of these people get their money back.
07/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CT
  • 06042
Web
I am filing a complaint regarding an unresolved issue with a digital bank, specifically Chime Bank however they held the account through The XXXXXXXX XXXX. This account was ending in XXXX. This issue involves the closure of a checking account that took place approximately three years ago ( XXXX of XXXX ), and the subsequent disbursement of remaining funds, which I have yet to receive. The last formal communication I received from the bank was dated XX/XX/XXXX. In this email, they informed me that I needed to provide specific documentation to receive my account closure check at a new address. The required documents included a clear photo of an ID, the last 4 digits of a social security number, and proof of the said new address. Due to the considerable amount of time that has elapsed, I am unable to provide the exact balance of the account at the time of closure. However, I am confident that it was a substantial enough amount to warrant concern and merit this complaint. Despite the time that has passed and my numerous efforts to resolve the issue, I have not received the closure check, nor have I received further communication from the bank 's member services concerning this matter. I am seeking the assistance of the Consumer Financial Protection Bureau to facilitate the resolution of this issue, either by helping me receive the closure check or by aiding in obtaining a satisfactory explanation as to why it has not yet been dispatched. I am willing and able to provide further information or documentation if required, in accordance with privacy regulations.
11/18/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77506
Web
In XXXX I had a roommate who I thought was my friend, she said that she wanted to use my phone to apply for a loan, I never thought anything of it. She knew alot of my information because of helping me file my taxes, she said she wanted to apply for a loan but needed a debit card to have the money sent to so I let her, never thought anything of it again until now. Here we are months later I am enrolled into college full time, I had literally just received my financial aid money and was about to pay for classes and things I needed and some direct deposit was taken out of my account for XXXX. I am frantic because 1, they have never tried to charge my card before and 2 I didn't know what it was for. I contacted my bank, and then I tried contacting her once I figured out where it was coming from. I was able to send a code to my email and sign into the account which she also got cards mailed to at her address. I have screenshotted everything as well for proof. I contacted the people called XXXX XXXX XXXX, let them know and they said they can't reverse instacash payments. I was able to see the amount that she had took out and it was XXXX dollars, yet they took XXXX out of my account. I don't know what to do. I contacted my bank while the transaction was pending but now had already gone through and I'm panicking because I need to pay for my classes. They also called me XXXX at one point thru the emails and I don't even know who that is. And the address on the account is not mine. I live in XXXX Texas. I bank with chime, and the people who took my money are XXXX XXXX XXXX
08/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • FL
  • 33935
Web Older American
On XXXX XX/XX/2023 I had a question for My account with Chime. I went online to locate chime customer service. As I explained my question the representative of Chime directly transferred me to a representative that would resolve my concern. After a few some time the representative exclaimed my concerns were addressed. When O checked my account after the phone call to Chime customer service my account was XXXX, {$1500.00} was removed from my account in three unauthorized transfers. I contacted the website immediately to report what happened and they hung up on me then blocked my calls. I found the real Chime customer service and reported what happened and I wanted to dispute the three unauthorized transfers. Chime customer service opened an investigation to credit the {$1500.00} back in my account. I emailed XXXX all evidence of the illegal transfers by the fraudulent Chime customer service website. I also provided screen shots of the fake website to assist in the investigation. Since XX/XX/2023 Chime has closed the investigation do tomorrow error made four time with me having to request reopening my case. I have asked to receive documentation on why my case was closed with no further explanation on closing my case and denying I was a victim of fraud regardless of the evidence I provided Chime customer service. I have asked to contact a department to complain my case was not receiving the proper investigation by Chime customer service and the representative will not provide me with a way to contact a department above customer service. Thank you, XXXX XXXX
07/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • TX
  • 78244
Web
Last year we paid a midwife service to do home birth and we made payments to the midwife and when baby delivery time came the midwife quit. The midwife kept saying that she was coming and never showed up. We had to call XXXX and my wife was rushed off to the hospital where she almost died from too much bleeding and all because the midwife never came. We disputed the payments made to the midwife and chime denied the disputes because they said that by making payments during the course of time we established a repor therefore creating a base to prove that the payments were made to pay for services thus showing that my payments could not be refuted nor refunded. The midwife did not deliver the baby and her unprofessionalism caused my wife to sustain injury and injury to the baby also. The services that we were paying the midwife for were never rendered to us and I disputed this matter with chime bank only to be denied. I am not satisfied with my dispute being denied and we are a poor family and that money that was denied to us to be refunded will make a difference in our lives. We work hard for our money and if we would have had the midwife come and deliver the baby at home we would never have had to dispute anything but due to the fact that she quit on the day of delivery we should not have to pay forcefully for a service not rendered. In support of our argument we attached the the emails before the baby was born where the midwife said she was not coming to deliver the baby and that she would call XXXX and send the ambulance. We want our money back please help us
07/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • AZ
  • 85706
Web
I opened a checking account with CHIME in XXXX XXXX also requested direct deposit so that my social security check would be deposited. SS told me it could take up to 2 months for this to begin. I received a loan in XXXX from XXXX in the amt of {$2000.00} which I deposited into my Chime checking. After spending money I recieved a call from chime stating they needed his credentials as they were concerned of my spending habit and asked me to identify myself and the info I provided was incorrect and after several unsuccessful attempts I was advised that unless I provided my credentials info correctly, they would close my acct. Then in XXXX they closed my account, then my first social security check was returned. Since that day I have repeatedly requested my money refund and I keep getting the same form letter from all sont at least 10rts of people they claim to be from member services and i keep getting emails that ask for selfie pic, holding up my ID and ast 4 digits of my SS # I have sent them so many of their requested documents then they request them in XXXX form. So I sent them in that form. Ive had them tell me they were going to call on XXXX different occasions. Ive tried calling on several occassions, only to get no person, i have begged and begged, im so frustrated because i am on social security XXXX and deperately need my money. I gave them an address change with proof but nothing is being accepted. I requested a manager to no avail. They claim to have sent a check in XXXX that was returned. Im just at my wits end. Please help me resolve this matter
03/21/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • CA
  • 941XX
Web
XX/XX/2022 I Paid my friend via Chime bank transfer via XXXX XXXX. My friends name was listed as a username and so I sent him {$100.00}. He never received it. I inquired about his payment with calling Chime customer service. They said it had gone through. I asked them if I could three way ( conference call ) with XXXX ( the intended recipient of the monies- {$100.00} ). They said okay. They took his personal information and acknowledged on the phone that it wasnt his account, despite it being his number listed. I requested my money back and the transaction cancelled, but they declined and wrote to me stating this instead. Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : XXXX XXXX - Transfer to Incorrect Recipient Date Error Reported : XXXX Claim Amount : {$100.00} Hello XXXX XXXX, 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. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. Sincerely, Chime Disputes Team I at first only wanted my money back. But then realized, what if Chime has opened all these accounts with peoples numbers that arent them. I cant be the only one who sent to a username that was populated in the Chime app by Chime accessing my contacts in my phone.
03/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • MD
  • 21040
Web
My Chime XXXX Account was WIPED out of {$720.00}. In XXXX. NOT BY ME!!! XXXX XXXX - {$220.00} to XXXX XXXX XXXX payment XXXX XXXX - {$130.00} to XXXX 's XXXX payment XXXX XXXX pm - {$270.00} to XXXX 'S XXXX payment XXXX XXXX - {$100.00}. to XXXX XXXX XXXX payment My CHIME " XXXX BANK '' WAS TOTALLY WIPED OUT. IN XXXX!! I WAS ON THE PHONE WITH CHIME CUSTOMER SERVICE REPORTING WHAT WAS HAPPENING WHEN THE LAST {$100.00}. WAS TAKEN OUT OF MY ACCOUNT!!!!!! CHIMES FIRST INVESTIGATION SAID THESE PAYMENTS WERE LEGIT HOW IS THIS POSSIBLE???? THEY ARE NOT I HAVE NEVER EVER HEARD OF THIS STORE BEFORE OR LEASED ANYTHING IN MY LIFE. I HAVE NEVER HEARD OF THIS STORE BEFORE THIS HAPPENED TO ME!!! THIS IS MY HOUSE PAYMENT MONEY!!! I CANT GET A STRAIGHT ANSWER FROM CUSTOMER SUPPORT IF THIS IS BEING RE-INVESTIGATED?? I HAVE NOT GOTTEN ANY KIND OF PROVISIONAL CREDIT,,,, I'VE GOTTEN NOTHING,!!! MY BANK ACCOUNT IS {$0.00}. IVE WROTE EMAIL 'S TO ANYONE WHO WILL LISTEN. I AM AT MY WITT 'S END. THIS LEFT MY ACCOUNT - {$12.00}. I HAVE NEVER BEEN MINUS IN MY ACCOUNT EVER!!!! I AM XXXX YRS OLD AND I LIVE ON XXXX... I DONT KNOW WHO OR WHAT ELSE I CAN DO. IVE TRIED TO FIX AND INVESTIGATE THIS MYSELF BUT I AM GETTING NO WHERE. FAST. I CAN'T AFFORD A LAWYER OR EVEN IF THERE IS ONE TO HELP. PLEASE, PLEASE, PLEASE, PLEASE,,,,,, " HELP ME '' AGAIN I LIVE ON XXXX I JUST TURNED XXXX. I HAVE NO WHERE OR ANYONE TO TURN TO. IN THE MEAN TIME MY SAVINGS ACCOUNT AND CHECKING ACCOUNT ARE BOTH " {$0.00} ''. IVE CALLED MY BILLS BUT THEY WANT THEIR MONEY. PLEASE, PLEASE, PLEASE HELP ME!!!
03/25/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • CO
  • 80301
Web
On XX/XX/21, I opened an account -- a " spending '' account with Chime. This is not an ordinary checking or savings account, and as I understand, not FDIC insured. I reside in Colorado but am receiving unemployment from NY. I set up my unemployment to go to Chime ( they were offering a bonus for this ). The funds were deposited by NY XXXX XXXX XXXX on XX/XX/21. On XX/XX/21, I got an email from Chime saying that my account was suspended snd I was locked out of it for suspicious activity. I was asked to send my photo ID, which I immediately did. I called, and they were unable to assist me by phone, but w me that I would hear frim them by email. They response ( not acknowledging the ID I had already sent ) again notifying me that my account was suspended, and asked me to send three things -- 1. A photo of my Driver 's license with me holding it. 2. Proof of my address ( I sent a utility bill ). 3. My 1099 with my current address from NY XXXX XXXX XXXX. I sent all of these documents -- TWICE -- on two consecutive days ( most recently yesterday XX/XX/21 ). Today I got a notice that my account had been permanently suspended and will be closed. What concerns me is that they also said it is " non-refundable ''. I am very concerned that they have funds of mine which I can not access, and I have not been able to gain assurance that they will be sending me a check for the money that is in my account. There are multiple accounts of this abhorrent behavior with Chime, and this is why I am reporting them. What they are doing is just reprehensible. I
07/26/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • OH
  • 430XX
Web Servicemember
In XXXX of 2023 I opened a Chime account. Then on XX/XX/2023 I received an email stating that my account had been closed. The reason was my account failed to comply with the terms of the Deposit Account Agreement. I had initiated two transfers from my XXXX XXXX checking account to my Chime checking account. One transfer for {$200.00} and one for {$5000.00}. I have been trying since that time to get Chime to refund my money. I have called their support number and have emailed them multiple times. I have sent verification with a copy of my drivers license, a copy of my passport, copies of the emails from Chime stating the transfers had been initiated. I also sent an email explaining the situation and a copy of my XXXX XXXX stating that show the two transfers being made. They have sent me emails stating that they are waiting for their processor to provide a tracking number. This was on XX/XX/XXXX and I still haven't received a check or a tracking number. I also received a ticket number XXXX. Now on XX/XX/XXXX I received another email stating that I needed to provide valid documents verifying that the deposits had been made. I have already done that with my bank statement several times. They also state that for security reasons, Chime is unable to share mor information about the account closure. Basically it is the same runaround that they have given me for over two months. I would like to know what I can do to get them to refund my money. I have attached the documents I have provided Chime. I really don't know what other documents I can provide to Chime.
11/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 92649
Web
My debit card was stolen and I was immediately notified by the bank app and by XXXX when I found out and confronted the person who stole my card and took my money I was told to set up XXXX XXXX and request the money back. Which I did and the thief told me she never got the money out of my account. But she did and my bank ( chime ) told me I had to wait for it to clear and then they give me back money ( XXXX ) but when I did that they then told me no cant giveback money and to file a dispute and to contact XXXX which I did. My dispute was denied by both XXXX and chime several times. Weird considering I have proof of the thief telling me she scammed me and that I am stupid and a picture on the site of XXXX XXXX specifically states they have this known issue with fraud and scammers by doing a recoeved and failed cancelled scam. Which is 100 % what was done to me. . I have been asking for a refund for this fraud for many months and I keep getting blown off. They lied in their investigation for my dispute. Chime lied! They said no to things I did DO and didnt bother even asking me to answer those questions kept changing what I should do next to get the money back. I did it many times and they say ask chime for the money chime says ask XXXX for the money meanwhile I am stolen from and this XXXX XXXX thief is getting away with stealing my money. XXXX XXXX page it says this is a common scam the request and failed scam. So what is the issue?????????? Help me please this bank never wants to refund errors or money chime should be shut down They owe me {$180.00}
12/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MA
  • 02127
Web
Hello! There were XXXX unauthorized charges on my account. - Amount : {$75.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$50.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$50.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$300.00}, Merchant : XXXX XXXX Date : XX/XX/XXXX As soon as I noticed the charges I cancelled my account and then immediately reached out to the lenders. I first called XXXX XXXX. I asked if they can look up the charges on my card ending in XXXX. They told me they weren't able to do that but were able to verify that I haven't made any charges on my account since XXXX of XXXX and I verified those charges were authorized. I then called XXXX and asked if they had charged me on XXXX of my reservations since I actually bought a flight a month ago and canceled it. they assured me there were no charges on that reservation number and to contact my financial institution because I was already refunded. I then called Chime multiple times to report these charges and they filed my complaints. just 2 days later I got a response back telling me that no error occurred because I was making other charges around the same time and that I said I didn't have my card. This was false- I never said I didn't have my card and that was an error on the representative 's side that could be verified by looking at our call recording. They claim no error occurred but I did not make these charges and they won't do any investigative work to see who did and denied my refund. This is an awful company with awful customer service.
05/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • PA
  • 193XX
Web
On XX/XX/XXXX I went to check my balance on my account and was unable to log in so I called to support and the support number told me that my account was closed so I began emailing support to find out why my account was closed. The first explanation they came back with was it was lack of activity. In the beginning the lack of activity was because I never got the debit card that they sent me in the mail so when I tried to reopen the account again they said that I already had an account and I needed to contact support so I'll contact the support and they sent me out another card I started putting money on this card so that I could save money for my taxes what happened was I will deposit money periodically from my paycheck I have a job and I also have a business and I just wanted to side account so that I wouldn't touch it cuz I knew that was the account for my house taxes so back and forth back and forth back and forth I've been emailing support I've been talking to XXXX XXXX tells me I need to talk to chime chime tells me I need to talk to XXXX so now they got XXXX of my money and they're telling me that my money is not refundable because they don't know this is the second reason they don't know where my money is come from and that money being deposited on that card looks suspicious I've been going back and forth with them since XX/XX/XXXX and I have no resolution nobody will help me so I was directed from a post on the internet that you help people with the situations as far as time is concerned so I'm just reaching out to you to see if you can help me.
03/28/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 95610
Web Servicemember
On XX/XX/XXXX, I received my first direct deposit, from my Texas XXXX XXXX, for Pandemic Unemployment Assistance. I had been receiving the money via XXXX XXXX XXXX, since XX/XX/XXXX. I had to recertify after the bill was left unsigned on XX/XX/XXXX. So I have a legal right to receive the benefits. The VERY NEXT DAY, after receiving my money, on XX/XX/XXXX, Chime placed a hold on my account for suspicious activity, regarding my PUA. I gave them all if the necessary information regarding my new address, since I subsequently moved to California, since I couldn't work in XXXX due to Covid. I provided my XXXX XXXX from Texas XXXX XXXX, My State of CA XXXX, my Social Security Card, and proof of address, with a letter from the management company of the apartments I reside in. They then questioned me as to why was my spending for 2019 in XXXX, to which I explained my school and Apprenticeship. They keep running me in circles, neither accepting the documentation provided, or by closing my account and refunding what was left. I was then told by XXXX, XXXX, and XXXX, to resubmit the information on four different occasions. After talking to representatives and supervisors at the Chime Customer Call Center, and resending my information over and over again, they ubruptly ceased communication with me. I have been told that XXXX has policies in place for suspected fraud, and my account had raised red flags. However, they are now refusing to return my money, or reopen my account, that I have given all necessary proof to show that the funds deposited are legally mine.
05/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IA
  • 50315
Web
It started on XX/XX/XXXX, Thursday at XXXX pm. Someone had begun taking money from my card and I was watching it happen while I had my card in hand. I immediately called the chime customer service number ( Chime is the bank that the card was from ) and after a bit they cancelled the card and stopped transactions. The transactions that were being taken were pending but the money was still being taken off of my credit builder card. Chime customer service said I had to wait for the charges on my card to go through for them to be able to dispute the claims. Today XX/XX/XXXX, Sunday I woke up and checked my account at around XXXX to see that the charges were no longer pending but had actually went through. I called customer service again and they finally filed a dispute against the charges, but said in order for them to rule the case in my favor they needed more information, such as if I was at work at the time and proof. But I was at home with the card in hand and calling them at around the time it had all started. Chime has now told me that it can take up to 90 days for me to get my own money back. The charges that were made to my chime credit builder card are as follows XXXX. XXXX XXXX at XXXX for {$66.00}, XXXX. XXXX at XXXX for {$4.00}, XXXXXXXX XXXX XXXX at XXXX for {$30.00}, XXXX XXXX XXXX at XXXX for {$270.00}, XXXX. XXXX XXXX at XXXX for {$90.00}, XXXX. XXXX XXXX XXXXt XXXX for {$80.00}. Every transaction on this list was taken on Thursday, XX/XX/XXXX. I just need help getting the money that was mine to begin with back as soon as possible please.
04/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92653
Web
Hello, I had sold my home because I was about to go into foreclosure and originally I was supposed to get {$400000.00} net proceeds and it turned out to only be {$36000.00} and XXXX XXXX and in the mortgage business so I could not find a job so every XXXX counts. I had opened up a chime account several months ago and decided to transfer from my cXXXX account to Chime {$10000.00}. I never heard back from chime and come to find out they closed my account so I asked the to please wire the money back to XXXX and they said they cant until I give them a copy of my drivers license, social security card, birth certificate, and and explanation where my deposit came from so I wrote them an explanation and also provided them with my XXXX account statement and my final closing statement to prove where my money came from and still nothing. I called and called and resent my documents to chime at least XXXX times and they kept on losing everything. I begged and pleaded with tnem and even told them Im out of work and need my money to survive and still nothing. I then found the CEO XXXX XXXX and sent him a private message to see if he can help me but he never replied and keep in mind hes worth billions of dollars so now Im at my XXXX end and coming to you for help I am so desperate and cant pay my bills, buy food, and living on a XXXX XXXX XXXX XXXX because I need that money in order to put a deposit on an apartment. Can you help me? Im having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please let me know what I can do to get my money back. Thank you, XXXX XXXX XXXX
08/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IN
  • 470XX
Web
My significant other has been in dispute with Chime XXXX for XXXX days as of today, XX/XX/2022 for the amount of {$600.00} after he was the victim of a scam after attempting to purchase an item online. The so-called 'merchant ' that made the sale with him has not responded to any communication by phone, text message, or e-mail. The 'merchant ' also refuses to respond to law enforcement. The purchase was made XX/XX/2022. The item was never shipped. A tracking number was never provided through any shipping service both foreign or domestic. The item was never received. He has submitted 42 separate screenshots on multiple occasions to Chime XXXX in regards to this dispute requesting a refund. The screenshots include the transaction, the receipt for the item, the receipt of the entire transaction, the lack of response from said 'merchant ' for the past 30+ days, the repeated denials from Chime 's so-called 'Investigation Team ', the item being relisted by the same seller, the police report from our local police agency indicating that he is a victim of fraud, the first letter Chime requested, and the subsequent second letter after the third denial of refund. For the third time, his refund request was denied stating that " no error occurred and customer must contact the merchant ''. The merchant is clearly fraudulent and will not respond. Law enforcement even acknowledged the fact that this person was a scammer. Chime still refuses to refund his money and has demonstrated blatant disregard of acknowledging or assisting him as the victim of a cyber-crime.
05/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77020
Web
I payed the auto parts company with the number ( XXXX ) XXXX {$290.00} for a rear differential part. I noticed after the original payment another attempt of {$290.00} was made then another {$100.00} attempt was made but declined due to insufficient funds. I was told this was an accident. The sellers name shows as " XXXX '' in my bank statements. After receiving no confirmation, tracking, order #. I was convinced this was a fake organization and quickly canceled my card. I got with Chime and created a " Non-reciept of goods '' dispute for the {$290.00} it was denied after being looked at by Chime " no error occurred. '' I managed to call the XXXX number again and they told me they would refund me so I gave them my temporary card while my new card is being shipped. Instead of a refund they boldly attempted to take out {$290.00} and then {$100.00} again. In a rage I called back with no answer. I then called Chime again to handle this, they created a separate dispute claim this time as " Credit not posted '' ( a refund from the seller. ) In the same day they told me the information I provided did not change they're decision and Chime closed the case again. There is no sign of a refund in my Chime account from " XXXX '' I have been scammed out of {$290.00} and they attempted to take money out my account if Chime has looked at what happened they would see that I have in fact been scammed. I just want my {$290.00} back. The XXXX number isn't answering and I refuse to give them my new debit card because they will continue to try and take money out my account.
02/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • CA
  • 91784
Web
I made a online purchase with XXXX and upon submitting my payment information I grew suspicious after the merchant failed to submit proof of the transaction. I immediately requested a cancelation of the order but received no reply after calling and emailing the website. I then contacted Chime customer support to cancel the transaction but was told that the transaction couldn't be canceled while it was pending. After a couple of days the transaction went through and the money was deducted from my account. I then received a transaction summary from the merchant. A few days later I received a delivery notice from the merchant stating the order had been delivered. The purchase was for two XXXX XXXX XXXX guitar cases priced at {$90.00} each totaling {$180.00}. The transaction summary I received listed only one item in the order. The delivery notice from XXXX listed a tracking number that says 1 of 4 items was delivered at the front desk. I live in a house. There is no front desk. None of the paperwork sent to me is correct. Chime dispute investigators, however, believe the paper work to be legitimate and haver determined that because a tracking number exist the order is correct and my dispute has been denied. Twice. Every customer support representative that I talked to said that they understood the situation and that there shouldn't be any reason that I wouldn't have my money refunded top me. Chime dispute investigations department denied the claim after it was escalated by there representative whom I talked to after my claim was denied the first time.
11/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30286
Web
My name is XXXX XXXX. I first opened the account towards the beginning of this year. Since then, Ive had to change my email, phone numbers and password due to not remembering. I was incarcerated from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I needed someone to access my account due to the fact that I was incarcerated. I decided to give my sister XXXX XXXX POA for financials. She came, I signed and it was filed at the court house. She did get access XXXX XXXX ( Approximately ) She sent me money ( {$300.00} ) and put money on the phone. She then decided to move the majority of the remaining balance to an account with XXXX XXXX XXXX she was using for.me. That alerted chime of fraud. My sister sent all documents that was asked of her. That didn't work. I got released and contacted chime my self. We went in to XXXX XXXX XXXXXXXX with an appointment asking about the form they were asking for. They advised us that no banks bank statement contains the entire debit card number to protect their customers from potential fraud. Instead they brought up her account and printed the screen showing that debit card was hers. I opened this account strictly for my monthly XXXX payments. I contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My sister and I have sent approximately XXXX emails back and forth. Everytime we send the correct documents, they ask for different ones. Now we're at a point that the bank it's self doesn't offer. I have contacted chime, advise they of this but, there comment is there specially team will contact by email then again ask for same document.
12/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32808
Web
I have a chime credit builder account. The idea of the credit builder account is to help you build your credit with the money you have in your debit account. You cant spend money you dont have. However chime went ahead and pay a business money I did not have in my debit account now they said my credit builder account is in the negative which should not be because chime credit builder is not like a traditional credit card it doesnt allow you to spend money you dont have. I have however been paying chime on the balance they said i owe even though they were the one that allow a merchant to take money that was not available in my debit account to fund my credit builder. Chime has been incorrectly reporting my credit builder account has overdrawn and that was not the contract I signed with chime when I opened the account. ( its not a traditional credit card so it shouldnt be reporting as such because I was not given a credit limit from chime ). Chime has since went ahead and reported my account to the credit bureaus as 30 days late which violated the contract I signed for the credit builder account. Again I was not given any money by chime to spend that I didnt pay back so how could I be 30 days late. Chime was the one who paid a merchant money that wasnt available and based on contract I signed for credit builder account, this shouldnt have happened. I want chime to delete the 30 days late payment from my credit report immediately and to delete the credit builder account from report since it doesnt follow the guidelines based on the contract I signed.
01/25/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • IL
  • 600XX
Web
On XX/XX/XXXX, I received notice via email that my Chime Bank Account was suspended due to an " unknown deposit ''. Chime asked me for a copy of my drivers license, proof of residency, and an explanation of the deposit. The " unknown deposit '' was my husbands paycheck which has been getting deposited into my bank account every two weeks since XX/XX/2020. I received a response that my bank account would be reinstated after they investigated within 48 hours. It has been SEVEN DAYS now and I have received no reinstatement and no access to my funds ( over {$5000.00} in checking and savings ). I spoke to someone on XX/XX/XXXX and they assured me that my case was escalated and the Suspensions team would get back to me within 48 hours. On XX/XX/XXXX, I received and email requesting my ID, proof of residency, and any evidence. I called Chime that morning because I had already done this on XX/XX/XXXX. I was told they would escalate my case and that it had not been escalated on XX/XX/XXXX like I was told. On Monday, XX/XX/XXXX, with no access to my money to buy my children food, I called Chime once again. I was told that my case was never escalated and the Suspensions team had never even seen my emails. I was then transferred to a supervisor, XXXX, who told me my case would now be escalated. I asked to close my account and was told I could not until I had my suspension lifted. I asked if I could speak to the suspensions department and was told they only email. 7 Days later, I have no access to ANY of my checking or savings, and NO RESPONSE FROM CHIME BANK.
03/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • CT
  • 065XX
Web
On the XXXX of XX/XX/2021 I received text messages that appeared to be from Chime fraud department asking if I attempted to make certain transactions and to reply yes or no I replayed no I then received a call from The chime number from a man saying there was attempted fraud in my account. The man also knew my address. I did not give him and of my personal information. He instructed me to follow links through text messages he sent to Chimes number that Chime texts from. He said if I dont follow these steps my account will be compromised. I followed the steps and as soon as I pressed a green button he hung up on me. I immediately received a message saying I sent {$390.00} ( my balance at the time ) to a XXXX XXXX. The man was able to manipulate their system and create links that looked like they were designed by Chime coming from all of Chimes phone lines/system. He was very polite and informative. I have filed a dispute twice with Chime. First time they denied my dispute without even seeing my proof. I have called them several times over the weeks and the last time I called the agent said Chime sent me an email on the XXXX of XXXX denying my dispute for the second time. I never received that email, he failed to forward me that email then he said they must have sent it to another email BUT chime has only one of my emails, he then said the investigation team must have made a mistake and sent it to another email. Chime has opened my case again. I will continue to fight for whats rightfully mine. I have filed a police report and FBI report.
08/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 85008
Web
I had my tax refund in the amount of {$32000.00} deposited into my chime account on XX/XX/2023 on the same day my funds were deposited I sent some money to a family member to help with pay rent immediately after sending the funds chime put a hold on my account and asked me to verify some information which I did shortly after submitting the documents to them they then asked me to send the verification that the funds were intended for me and where the funds came from which I again sent them the information and documents to confirm that the funds were mine and intended for me after doing so and after four days of waiting they proceeded to close my account with my funds still in the account and told me I cant have access nor will my money bet sent out in a paper check. Ive called them multiple times and spoken with multiple people and every person I spoke with informed me that I indeed sent every document needed to regain access to my account but they do not have the authority to open my account that the back end office had to do so but they keep giving me the run around i have stated to them that I needed access to my funds so I can pay my bills and that I have a child with a XXXX that I have to get things for as of this moment I have {$28000.00} in that account with no access to it I have done everything asked of and have yet to be told whats happening with my account all chime keeps doing is sending me repeat emails asking for the same information Ive already provided to them. I truly need some kind of help getting this matter resolved please.
01/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MN
  • 55116
Web
I bank with Chime. One day when trying to log into my account I get an error that says there has been unusual activity and they need me take photos of my ID and a selfie to verify my identity. Trying to do this with the app doesn't work and I am met with an error message that says " Yikes, that didn't work. '' I reached out to support via phone and was told to email their support team. The support team repeatedly asks me to try to verify my identity via the app. I keep telling them it's not working. They then send me a link to a dropbox where they would like me upload photos of my ID, a selfie, and a photo of me holding my ID and a piece of paper with my name and today 's date on it. I completed all these steps and was told the access to my account has been restored. I then try to log into the app and am met with the same error message that I got originally. I reach back out to customer service and they want me to complete this whole process again. This is a never ending cycle. I have completed this process three times now to no avail. Each email I get from them is from a different representative giving me the exact same information/requests I have been given numerous times. I feel like I am being cheated out of the money in my account. I have no access to my money, can't pay my bills, and feel like I am being taken advantage of. Customer service and their support staff are of no help as I can't even maintain a email chain with the same person. I just keep getting passed around to different representatives telling me the same information.
07/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32244
Web
On XX/XX/2023, I recieved a money transfer of XXXX from a business client because I have a clothing brand, with investors. I met this man online, and he came over to take me to dinner. While I was in the shower, he took my debit cards, and my phone and on my phone, I have my personal information on there, passwords, and basically everything I need. My banks are on there, and banking information. He transferred the money to his Chime account, which I didnt understand how Chime allowed it to happen. Firstly, I got in contact with the police before I even got in contact with my bank since my cousin is a Police Officer. After, I got a lawyer, and he has every document involving this situation. I then contacted Chime a couple days later, and when I called, they helped me change my account information. Then I attempted to file for a dispute, only to find out, he tried to get money back, so he already filed a dispute so I had to file a rebuttal. Mind you, to file a dispute, you have to call Chime so I dont understand how this got pass them since he has a male voice. My other banks, red flag voices. But, they denied my rebuttals, although this clearly shows none of these transactions were mine. I have a good standing with Chime, and nothing like this has ever happened on my account. Another thing is, I havent sent over any documents to Chime because my lawyer hasnt allowed me to yet, and I made sure Chime knew I was so before denying a rebuttal, I believe they would have to look at everything first. I believe this dispute is being wrongfully denied.
08/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WI
  • 53143
Web
I've submitted all the evidence I had, yet Chime still refuses to side with me. I believe this bank is a fake. I got a charge from XXXX that I was confused by as I didn't make the charge because I already own XXXX vehicles. I told Chime about this and I thought I could trust them with my banking needs, but obviously they can't. They were supposed to protect me in the event that something happens, but even with the overwhelming evidence I provided, they denied me XXXX SEPARATE TIMES. I showed them proof of my other vehicles, the location I was at when I was charged ( at home ), and they refuse to give me a reason why. I requested for the reason, and they basically told me the reason is because they denied my claim. That's not a reason! And at this point, if Chime doesn't decide to issue me back my hard-earned money, I will be forced to take legal action against Chime. I'm already speaking with my lawyer due to the frustrations I have to deal with. Because this is ridiculous. Chime advertises itself as a place where your money is safe and secure, yet I had over {$500.00} ripped away from me and Chime refuses to give me the money back. These " investigations '' Chime makes are not investigations. Investigations don't happen in this short of a time span. So not only am I looking into legal mitigation, I will use my social media platform of over XXXX followers to expose Chime for the things they've done to me. Chime can simply look over the emails for all of the proof I provided that I didn't make those XXXX charges. XXXX is a fraud company.
03/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NY
  • 11377
Web
On XX/XX/XXXX I linked my XXXX XXXX XXXX account to my newly opened Chime account. On XX/XX/XXXX I transferred {$16000.00} into my Chime savings account. On XX/XX/XXXX I attempted to transfer {$10000.00} from my Chime checking account back into my previously linked external XXXX account. Upon further review, I noticed that the last four digits of the XXXX account did not match any of my XXXX account information. I immediately contacted Chime support and tried to cancel the transfer. Chime notified me that the transfer had settled and I must file a dispute. I filed a dispute with the claim ID XXXX on XX/XX/XXXX. First thing Monday morning I contacted Chime support for an update about my claim and was told a claim did not exist. I then filed another claim with the ID XXXX and was told a resolution would be found by XX/XX/XXXX. I received an email on XX/XX/XXXX at XXXX notifying me that Chime found no error, no funds would be credited to my account, and the claim is considered closed. It has been less than 12 hours since the second dispute has been filed. I do not believe that less than 12hours is an adequate amount of time for a proper investigation. Chime has estimated up to 10 days to provide documentation of the dispute decision. I have requested a copy of the dispute documentation but Chime has failed to provide it at the time this complaint is being filed. Chime connected an unknown external account to my account then did not file a proper claim. This gross negligence has resulted in a considerable financial personal loss.
09/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 78216
Web
XX/XX/2022 I was notified at XXXX of a {$500.00} charge with XXXX. I immediately reached out to chime to report unauthorized transaction. within three minutes following charge at XXXX I had phone contact with a chime representee. During this phone call at XXXX a second unauthorized charge of {$750.00} by XXXX XXXX XXXX Chime phone call lasted 41mins and during this time chime stated they could not do anything while a transaction was pending however they could file a dispute once transaction had been completed. Chime also assured me that they where contacting merchant on my behalf at this time. My debt card was cancelled and I transfer the majority of my funds into another account. On XX/XX/2022 at XXXX I contacted XXXX XXXX XXXX and was informed they had not been notified of unauthorized transaction and had no contact with chime bank. XXXX was also unable to to provide information. XX/XX/2022 at XXXX I filed chime dispute claim. Chime stated they would file both charges under one dispute claim and asked me to provided receipts of transactions. I continued to inform them I did not have receipts of charges I did not make. The only receipt I could provide was of a transaction made at XXXX show that I was instore and verify my location. 6 hours later at XXXX chime emailed to inform me of denied dispute. I then requested a copy of there supporting documents. Chime provide document. This document lists subjective, false and irrelevant statements without substantiating pertain information. This document also wrongly refers to me as a male.
12/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 955XX
Web Servicemember
On the morning of XX/XX/2023 I noticed that my bank cards and both my cell phones were stolen by someone that I know. I was able to get online just before noon to disable transactions on my cards and report my cards stolen. By the time I did that, the thief had made 3 atm withdrawals for {$200.00} ( XXXX ), {$1000.00} ( XXXX ), and {$500.00} ( XXXX ). They also loaded {$25.00} onto their XXXX XXXX at XXXX. All the transactions happened within about a thirty minute window that morning of the XXXX. I filed a police report and tried to dispute the charges that day. Chime said I had to wait for the transactions to move from a pending state to completed. I then disputed the transactions but at the time I didnt notice the initial {$200.00} atm withdrawal they did at XXXX. Chime came back and said there was no error several times. They knew my pin because they likely watched me punch it in at an atm before without me knowing. They even knew my cell phone pin likely the same way. Chime said they couldnt add the {$200.00} atm withdrawal to my existing dispute even though it happened during the same incident. So I opened up another dispute for just the {$200.00} Chime came back after my complaint to CFPB about them and credited my account with the {$1000.00}, {$500.00}, {$25.00} But now theyre denying the dispute of the {$200.00} withdrawal. This is absolutely unacceptable. Is someone actually working the disputes. It seems like a canned auto-response. Denial because theyve checked their systems and no errors were found. Seriously come on.
08/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30047
Web
I deposit a little over XXXX bucks into my chime checking account that I than transferred into my chime credit building account to pay my bills on the XXXX of XXXX they locked my account when I was making transactions stating that fraudulent activity was suspected. They emailed to send documents thats I provided as well as transaction numbers related to the transfer of money from a linked account I have sent over XXXX emails with the same information including proof of identity, proof of address, bank statements with the last XXXX digits of the card number, social security card, etc.. bottom line I complied with what was asked after XXXX emails to XXXX they than sent a email letting me know that they have closed my account and the funds will not be returned even after I sent everything they ask for I bank with XXXX XXXX for XXXX XXXX yrs and only use this account for credit building I been a member with chime for over XXXX yrs and never have I ever had such a issue with being in violation I am baffled about how they are handling the situation they have stop responding to my emails after XXXX plus emails going back and forth about my money. I can careless about the account being closed I just want the money that I showed proof of where it came from there was nothing fraudulent I even got a letter from XXXX XXXX showing my direct deposit and from XXXX where I transferred the money and transaction codes there is no reason for them to steal my money this is ridiculous and I am not letting this go at all. I WANT MY MONEY FROM CHIME!!!
05/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33813
Web
I was at work Monday XX/XX/2023 and my phone started sending repeated notifications of withdrawals from my checking account from a company called SoLo Funds. I knew this wasnt me doing this as I was at work so I called my bank Chime which I found out isnt actually a bank they told me but a financial services company which I did not know as I have a checking savings and credit card through them. My account was debited 4 different transactions {$300.00}, {$100.00}, {$100.00}, {$150.00}. While I was on the phone with them they said it was my debit card which was with me at work so it had been compromised somehow. Card was canceled and while I was on the phone with them a {$500.00} transaction was declined as I had moved what little money I had left to my savings just in case. I tried calling SoLo Funds but the number given on my transactions list on my account didnt have enough phone numbers so I immediately knew it was a scam. They only have chat support so I got ahold of them and they said I would need to send a picture of myself holding my Drivers License and Debit Card to prove my identity. No way I told them I didnt know who they were I hadnt initiated these transactions and this sounded like a scam trying to steal my identity. Only company that would ask something like that would be the IRS. Chime just denied my dispute and I dont know why! {$650.00} is ALOT of money to me! My car payment is going to bounce and I may lose my car over this company stealing my money and for some reason Chime allowing them to. Please help me!
12/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 150XX
Web
On Monday XX/XX/XXXX I logged onto my chime app on my phone to transfer funds to get gas and my account was logged off and it wanted me to log back in and when I did it wanted to send me a verification code to my phone number so I did. it said that it sent my code to an unknown number I was not aware of ever seeing before. So I had to change my phone number on my account back to my phone number to gain access back to my account ..followed all the prompts and verifications. When I finally got back into my account I noticed that my checking and savings was XXXX $ and all my money from my savings was transferred from my savings to my checking and then sent to an unknown cash app ... when I called chime to make a dispute about the fraudulent activity they said that on Sunday XX/XX/XXXX there was a phone call to them and someone saying they were me and chime gave them my password onto my account ... Wich they were not able to tell me what the phone number or area of the world the phone call was made from ... the caller did not even call from my phone number that was registered to my account... they said they would do an investigation and have an answer within 45 days ... XXXX XX/XX/XXXX they emailed me saying that there investigation led to there not being any error occuring and was not giving my money back... I asked for a copy of the investigation XX/XX/XXXX and have yet to get a copy emailed to me and it is now XX/XX/XXXX. I did also file a police report with the XXXX XXXX police department where I live a few days ago as well
07/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • KS
  • 672XX
Web
Chime has suspended my account to where I can not use any of my money. I received my direct deposit from my employer into my account and Im unable to use it due to them suspending my account and not resolving it. They suspended my account on XX/XX/2022 at XXXX due to unusual activity when I was just trying to login and update my phone number since I dont have the old number anymore. Chime wouldnt let me use my phone number because it said it was used on another account so I tried using another number. I provided them with all the information they needed including proof that that is my phone number right after they asked for it! Im a XXXX XXXX XXXX with low income and Im unable to buy food, pay bills and put gas in my vehicle to go to work now. Every time I call they inform me they can not do anything to help me to unsuspend my account and that I have to wait. Everytime I called they told me it would be resolved in a couple hours and gave me a different time frame every single time I called and talked to someone which it never became resolved. I am at very upset because now I have no way in providing for myself and my kids due to this issue and its not being resolved. I have been a loyal customer with them for XXXX years with no issues until now. I need help and they refuse to help me so I can use my money that I worked for! Im now worried Im going to lose my job because I can not drive my vehicle to and from work, Im also worried Ill have my utilities turned off and have no way of feeding me and my kids. I need help please!
01/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • MD
  • 21220
Web
On XX/XX/XXXX : I was in communication with a user on XXXX regarding a XXXX event that required tickets paid for before entry. I had spoken with the user @ XXXX regarding payment and the tickets being sent to my email after payment. I sent the amount of {$100.00} XXXX XXXX to an XXXX XXXX, the user however had a picture of a woman and claimed it was here boyfriends XXXX XXXX account I was sending it to. I sent it and got no more responses from them and was then blocked. I reported the scam incident to XXXX XXXX, XXXX and my bank Chime and The XXXX XXXX after that happened. XXXX was the only one that helped because they suspended the user indefinitely and gave their policy on frauds and scams through their app. On XX/XX/XXXX : I was sent confirmation from Chime that they got my transaction dispute and would need more info to proceed with a refund. I sent them the information from XXXX and the XXXX XXXX transaction with the dates and amount all included. From XX/XX/XXXX to XXXX Ive been reaching out to Chime via email and phone and have been denied twice even with providing evidence on the scam that happened to me their customer. Today on XX/XX/XXXX : I decided to call one last time and was given the same scripted answers and no support in my case about an online scam that happened to me in XXXX. Ive given them ample amount of time to review and provide me the best solution and they provided neither enough support or a valid explanation on the denial. If theres any other information you need from me please contact me.
09/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 925XX
Web Servicemember
I bank with chime and they have a referral program that if you refer a friend you and them receive {$100.00} dollars. I sent my friend a link from the bank app on XX/XX/XXXX than me and my friend sat down together and I helped him set up his account from the link I helped him set up his direct deposit from the VA. His account was set up and he received a direct deposit of over {$600.00} in his account on XXXX XXXX we waited for a few weeks and never got the bonus so we called they said he did not sign up using the link that was sent to his phone even though I sat with him and made sure we clicked the link because I had already had that happen before. and I tried getting them to fix it but they said because on their end it did not show he had signed up through my link we don't get the sign on bonus. the bonus was the big reason he was even signing on for the bank. they made it seem in the emails that I received he did use it but did not get a deposit of {$200.00} or more direct deposit or more in the account in 45 day. and then when I said he did they changed it to He didn't Use the link. and when I tried to talk to someone at the escalation team they told me to call a number and when I do they tell me they will send my info to the escalation team and it is just a circle that does not fix the problem. also when I wanted to get employee info so I could reference everyone I was talking to one of the managers would not give me her Employee number so I couldn't reference her showing who was not the one dealing with the problem.
06/12/2023 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • NJ
  • 08054
Web Servicemember
On XX/XX/2022 I was reviewing my monthly online statement and noticed several charges on my account were made. Reported this to CHIME and instead of doing any or investigating any of the charges I reported. They closed my account without notice. XX/XX/XXXX th account was closed. The report was made XX/XX/XXXX. Which they had no legal right to close my account as it was not misused. At the time of account closure my savings accounts had a balance of about 1k. For months I have been trying to have my funds returned to me. And now they are claiming no funds are in the account which is not at all true. The customer service reps are very rude and quite honestly read off of a script and do not implement any humanity or human compassion when dealing with customers. At this point they are withholding funds that do not belong to them which can be considered thief and also this has impacted several other businesses opportunities and affiliates.As long as they have my money they are collecting interest and profiting from my hard earned income. I have asked on several occasions for their legal departments information so that my attorney and I can move forward with this issue and hopefully resolve it between the company and myself however the company, as I said, earlier, gives very bland statements, almost robotic, and does not even give any appropriate responses during phone calls. I would like this investigated so that this does not happen to anyone else, and hopefully helps someone else not fall victim to the scam. XXXX XXXX XXXX
01/10/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • FL
  • 337XX
Web
I have Chime. My debit card was compromised so they cancelled it and were supposed to send out a new one within 10 days. It has been well over XXXX weeks and it still has not arrived! They sent me a virtual card which cant be used to get money orders so when my rent was due, I had to cash app the money to my daughter which charged me a fee and had to deposit it into a new bank account I had to open with a new bank. Because of all this, I was also late paying my rent and have been charged a late fee because rent was late. I tried contacting Chime via chat. They asked if my address was correct which its been the same since I opened my account with them. During the chat I realized that it was not a live person I was chatting with but a computer generated chat! I am getting rid of Chime completely after this nonsense but I still want to hold them accountable so that this does not happen to other people. I have spoken to several people that have Chime also and they claim that they also have to wait longer than the 10 days to receive a replacement card. It took forever to get my first cards. Its unacceptable! To deposit money into your chime account, you have to go to a XXXX XXXX or other approved location and PAY to add money to your account. EXAMPLE : I have a bill due and its {$100.00}, I want to pay through my online so i go to deposit money to my account. I would pay the obvious {$100.00} deposit and then a fee for depositing that cash into my checking account! If you dont have it direct deposited, you get charged a fee!
10/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TN
  • 370XX
Web
Hi, on XXXX XXXX I attempted to use the ATM located at XXXX XXXX XXXX XXXX, TN XXXX. I bank with Chime aka Stride bank phone number and attempted to pull {$200.00} off my debit account, and the ATM was stuck at the processing screen. I asked the clerk at the store if the ATM was working properly, and he advised that it was slow sometimes. The ATM then ejected my card, and no funds were dispensed to me, I attempted again not knowing that the transaction went through my account and the second transaction was successful and I was able to get the {$200.00}. The problem was I had two charges on my account. I contacted Chime at phone # XXXX on XX/XX/23 and was advised that the charge would have to settle before they could start the dispute. I also tried to contact the ATM company that is XXXX XXXX at phone number XXXX and their office was closed they are open M-F XXXX. On XXXX The charge was no longer pending and I was able to start my claim with Chime, at phone number Chime then denied my dispute on XX/XX/23 without ever starting an EFT protocol with the ATM provider. Since the date above, Chime keeps requesting more documentation for them to investigate my claim, I am now on rebuttal # XXXX with them and they have yet to follow protocol by law. They continue to deny my dispute and will not help me to get my funds back. Chime has not done what they are supposed to do and they continue to deny my rebuttals. I did not receive these funds and I just want my dispute to be handled correctly. Thank you for your time!
06/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 32401
Web
Issues with Chime banking : on Saturday, XX/XX/XXXX a payroll check was deposited via mobile deposit in the amount of {$690.00} - the check was accepted without immediate notification of the funds being held or the option to cancel the deposit due to fund a being held ( for instance - if I had known they were going to hold the funds I could have gone to the bank the store utilizes ). Upon calling Chime I was informed that since they accepted the check it would be held until XXXX to ensure the check doesn't bounce. On XXXX deposited another paper check via mobile deposit for {$930.00} again, the check was accepted without notification of funds being held- until after the check was accepted while waiting for the direct deposit to begin on XX/XX/23. Again, the payroll check is being held. I have called Chime twice now, the first time I was told they hold 30 % of checks deposited via mobile deposit are subject to be held to accept more checks via the app. When I called the second time regarding the second check Chime claimed that the payroll provider did not have the bank name on the check, they do, it is a local bank called XXXX XXXX. Chime is holding nearly {$1700.00} in payroll funds. Chime stated they have accepted my check but claimed it is a system issue and no one can simply call the bank to verify funds. They also told me the only way to access my funds would be to have the owner put a stop payment on both checks and reissue another check that I then could take to another bank. Meanwhile, I can not access the funds.
10/25/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 07206
Web
XXXX XXXX XXXX On XXXX XXXX I have seen that my account was fraudulently compromised. I had XXXX in my account on that date. At a later time I have seen that all my money was stolen out of my account. I contacted my bank Chime to let them know I did not cause this. They assured they will see about this issue. When I put in a dispute and two days later they made a decision to deny my claim to refund me my money. They say that is not an error and that the charges was sufficient. I told them that the location of the charges was two hours away from where I live. I never went that far because I just moved from XXXX XXXX to XXXX XXXX. I made phone calls on numerous days and even spoke to management and no one wanted to help. I even turned in a police report and identify theft report and they still denied my claim to refund me my money that was taken from me. This is so horrible because FDIC is to protect me when my money was stolen and the bank is refusing. How can they investigate this in two days. They dont care and it has caused me a lot of financial burdens because that was my way to pay my bills and feed my children. They brushed me off when I stated this. I tried to resolving this but they wont help. I had to wait to get my identification updated because in XXXX XXXX you have to schedule an appointment. So they would not let file a report for a dispute until I showed my new identification. This is so unprofessional because i was not able to file the dispute until XX/XX/XXXX which is when I got my new identification.
03/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 760XX
Web
On XX/XX/2022 my debit card was used at a XXXX XXXX in XXXX Texas for two amounts one in the amount of {$120.00} the other in the amount of {$84.00}. the first transaction happened at XXXX p.m. and the second one followed at XXXX p.m. I immediately called chime bank and notified them and they canceled my card and sent me a new one. At that time I was informed I would have to wait for the transaction to settle before I could begin the dispute process. 3 days later on Monday XX/XX/XXXX the transactions settled and I called chime to begin the dispute process. After filing the dispute with chime I contacted the mesquite the police department in XXXX Texas where the fraudulent transactions took place I filed a police report with XXXX XXXX badge number XXXX XXXX XXXX XXXX police report number XXXX. I forwarded this information to chime. On Wednesday XX/XX/XXXX I received my replacement debit card in the mail and activated it. After activating my new debit card I went to a gas station and used my card for {$30.00}. The next day time denied my dispute. The reason they gave me as to why they denied the dispute was because I used my debit card on XX/XX/XXXX for that {$30.00} transaction. I explained to them that it was the new debit card I used and not the one that had been stolen. Time then proceeded to tell me that I had not provided them with enough information to substantiate my claim and that they would not be proceeding with the dispute the matter was closed. I am asking that my money be returned to my checking account.
09/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NC
  • 28314
Web
I have been banking with Chime. On XX/XX/, I XXXX chime customer support to find their phone number. I have attached the number that showed up. When I called the number the person answered Chime Customer Support, how can I help you. I told them I was calling about there spot me feature and needed some information. Being my first time calling I had no idea that it was a fraudulent scam number. She verified my information and told me everything was set up for me to use the feature. After hanging up, I went to my Chime phone app and saw that all of my money was gone. I immediately called my mom and told her what happened. We finally found the correct chime phone number and put in a dispute. One hour later, chime denied my dispute. I called chime and told them I need a supervisor in the dispute department. I explained to her in detail what happened. She filed a rebuttal. Yesterday, they denied my rebuttal. I have no idea who the person is that took my money. When I called the initial number back they laughed at me and made barking noises. I was very upset and did not know who else to turn to. So I found your website online. I have enclosed all the proof that I have. I have since found out that Chime has so many complaints for the same thing and yet this keeps happening to us the consumers. I have only my pay to live and now am suffering due to Chimes negligence on not taking care of their customers. They did not even once try to block my acct. or bother to change anything so these scammers can not do this to me again.
07/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 430XX
Web
On XX/XX/23, I received automated Chime email welcoming me to Chime and thanking me for opening checking account. I assumed it was phishing, so I didn't open from an previous experience. Several weeks later, I received a debit card in the mail which then alerted me to call Chime on XXXXXXXX. I asked the Chime rep several times to provide details and they would NOT, and would not let me speak to anyone about " how it was opened, what all accounts were opened, if credit bureau was pulled, etc. '' They provided nothing but an email stating I requested to close the account. NOT THAT IT WAS FRAUD. I received another email from Chime XX/XX/23, stating that a deposit was returned from Ohio Dept of Job & Family Services ( ODJFS ). I contacted ODJFS immediately same day to notify them of identity theft/fraud and they notated the fraud and closed the open claim. I have all contacted bureau to place freeze/fraud alert on all bureaus and contacted social security department ( they wouldn't place alert on my SS # unless via appt and in person ). Today, XX/XX/23, I received a Credit Card from Chime in mail! Called Chime this morning again to report more fraud and ask why they did not share that this account was open when I called last time and once again would not provide any details ( I.e. was credit pulled, was it used, etc. ) and only sent an email of my request to close... .NOT THAT IT WAS FRAUD. Chime treats the victim like the fraudster and needs to improve their account opening and ID verification process immediately.
10/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • OH
  • 44128
Web
I have a chime account that has an unauthorized transaction on it. " XXXX XXXX From Us bankremaining Funds Returned To Us " is the entity that withdrew the find from my account. And yes, this is the exact way that it appears on my statement. Looks " fishy " to me.They keep calling this transaction a " bank adjustment ". I've spent several hours on the phone and online with chime trying to dispute the claims. Just to have them tell me that their policy states that " any bank adjustments can not be disputed ". They even told me that it must be from XXXX BANK and to give them a call to settle things. So I did. They couldn't find anything in my name. I even had them run my social security number. And nothing came back. Someone from XXXX BANK told me to have chime call them back. But they wouldn't accept the phone number. Plus, not too mention that I've never had business with " XXXX BANK ". This happened on the XXXX of XXXX. It is now the XXXX of XXXX. And even though they see the transaction on their computer. They still will not do anything remotely to help resolve the issue. I'm totally stuck at this point. Not sure what to do from here. I've exhausted all of my means. Their customer service XXXX!!! I can't even file a dispute to get the investigation going. I speak with an agent, then to the dispute dept, then to a supervisor, and finally to the " team member " dept. If there's even one. Then we repeat this circle over and over and over. Noone ever really helps. Just passes you on to the next agent. TERRIBLE!!!!!
10/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • OH
  • 43081
Web
I use Chime aka XXXX. My card was fraudulent used and once the charges settled I filed a dispute through the app because it seemed simple enough and its like pulling teeth to try to get through to talk to anybody for their customer service. I filed the dispute in the app and nobody ever contacted me or anything when I contacted him through the chat in the app to get an update they told me that I didnt get a provisional credit because I did not submit the required document when I asked them to send me the document so I could see what it was and fill it out its the same exact information that they have you fill out for the dispute itself, after finally getting a reasoning as to why I had to fill out the same exact form I filled it out and sent it in a confirmation that they received it yet I still have not received my credit which is now causing issues with other companies that I owe money to because I have auto pay set up through the account and routing number in the account is in the negative because of the fraudulent charges so these accounts that are trying to take money to pay my bills cant take it and I being charged additional fees for them not being able to pull the money and late fees Ive reached out to Chime several times and they all keep sending me back the same script a automated response nobody has contacted me through the chat over the phone via email or anything other than descriptive responses in the chat and I dont feel like Im getting anywhere with this whole process and its now causing me issues
05/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 762XX
Web
I asked Chime to cut my card off on XXXX while I was XXXX The head XXXX allowed me to do that. Chime did not do that. I received my # 2 stimulas check on XXXX and with in 2 min a XXXX XXXX XXXX my money transfered to them. Chime will not open back up my dispute. I have opened it multiple times and they said I need to give them more information. They won't contact or give the Sheriff Dept. any information. I have showed them proof I was XXXX up in XXXX. They send me the same letter every time saying to give them more information and then they will open my dispute. I have gave them everything I possibly could. They said my account had no change in profile information. Yes it was changed. They changed my phone number because Chime gave the number to me on account that was changed too. They will not cooperate what so ever with the investigation. I'm at a loss because they still think it was me that got the money. I was in XXXX Gave proof to them. They know they messed up when they did not cancel my card and protect my account like I asked them too. They will not give me the money back or let the Sheriff dept have the information to what ATM was used to get money off of, or information to make an arrest. I have emails where they say they will help and they are investigating. Not one time have they reached out to me to even let me know they keep closing my dispute. They are doing nothing to get my money back and they won't pay my money back. I have contacted them hundreds of times but get nowhere. They won't help me.
07/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 17057
Web Servicemember
I reported the fraud within 1 day of the charges. I have submitted proof there was absolutely NO WAY I completed the transactions. I canceled the card and changed all passwords and access codes to prevent future fraud. I reported it to the police who agrees to press legal charges against the people who are responsible and I provided the police report number within the day of the incident. I included the report made to the police and I called and verified all items were turned into chime that I could show indisputable proof the charges were fraud. I called all merchants to report the fraud charges and they ALL SAID CHIME HAD TO ISSUE CHARGE BACK ON THE CHARGES IN ORDER FOR THE MERCHANTS TO CANCEL THE SERVICES I WAS ILLEGALLY CHARGED AND UNTIL CHIME ISSUES A CHARGE BACK THE THEIF HAS CELL PHONE SERVICE THAT I PAID FOR!!!! THAT IS COMPLETELY UNJUST!!! CHIME DENIED THE FRAD COMPLAINT AND SAID ALL CHARGES WERE VALID AND AFTER I ONCE AGAIN SHOWED THEM THAT THEY ARE WRONG WITH COMCRETE PROOF THEY SAID IT COULD TAKE UNTIL XX/XX/2023 UNTIL A ANSWER IS GIVEN AND UNTIL MY FUNDS ARE REFUNDED. CHIME CLAIMS THAT FOLLOW FDIC RULES AND REGULATION and also advertises they follow visa fraud back program but they are not in my case and I demand they help me and follow the standards and procedures they are governed to follow.!! RE : Account Number : XXXX Claim ID : XXXX Fraudulent charges all are from XX/XX/XXXX ; I provided proof I was 100 % unable to make the charges ... XXXX {$13.00} ... {$20.00} ... {$29.00} ... {$33.00}.
09/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IN
  • 478XX
Web Older American
Started to chime account XX/XX/22 was direct deposits every month for my XXXX XXXX XXXX. Started noticing purchases I didn't recognize and withdrawals and transfers. I gave them 15 disputed items which they dismissed within 10 minutes there's no way they could have checked them in 10 minutes to dismiss them. Then I started getting new logins six or seven times a day and my ex-husband started contacting me about money and boosts. Contact chime again and nothing. Finally in XXXX XXXX and XXXX the purchases were outrageous- transfers from chime from my checking to credit builders- withdrawals I didn't make & I noticed it said transfer from car to card from XXXX XXXX and XXXX was my account so I shouldn't have said that at all and it never did before. I'm holding chime responsible because they didn't keep my money safe and they should have known what was going on because not only did I alert them but you could see it and what they were writing and the transfer amounts between my ex-husband and the amount that we're transferred & that was withdrew from my accounts. XXXX no way helped then and is not helping now is hindering me from proving anything because I can't get into my account yet the person that took the money out of my account must have got in pretty easy and my password was changed on a regular basis over and over again sometimes two or three times a day. Also all the money that was spent on my credit builders wasn't being credited to me that's another red flag for time they shouldn't be in business at all.
06/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 75227
Web
Wednesday XX/XX/XXXX I unlocked my debit card so that my rent funds could be deducted overnight and I woke up to XXXX unauthorized transactions from an account I am not familiar with. I immediately contacted Chime and they immediately denied my claim. I asked that they reopen it and investigate due to me not making the transactions. They were made about XXXX and I was sleeping in bed and had my card physically with me. They reopened my dispute and said I should have a resolution by XXXX XXXX. So 3 months I have waited patiently when all I want is my money so that I can close my acct. i contacted chime on XXXX XXXX because there has yet to be a resolution to my dispute and they said they sent an escalation to the investigation department and that they would contact me with in XXXX business days because they dont know why its not resolved. Of course no one contacted me so I reached out again Monday XX/XX/2022 and again no one had answers so they escalated it up again to the investigation department and said again someone will contact me in 3 business days. No one still did not contact me. So I just contacted them today XX/XX/2022 only for them to tell me that the investigation team just yesterday XX/XX/XXXX, requested a charge back from the merchant and that it can take up to another 30 days. At this point I am livid because why would the company just now be trying to initiate a charge back from the merchant knowing I didnt do these transactions. Chime dispute process has to be one of the worst I have encountered
10/25/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 92101
Web
I got the following email from Chime this morning without any further explanation : Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on XX/XX/2021. If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2021, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. When I try calling to speak with someone, it recognizes my phone number and hangs up on me. When I try logging in, it will not allow me. And when I email them they refer me to to reference their agreement titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX : XXXX. I have money coming back to my debit card and that company told me to let Chime know but they are not getting me answers. I also have a bank transfer that is in process for {$6000.00} but I have no idea if that will bounce back to the origin bank or if that money will stay in limbo. I am shocked to see how many other people have had the same thing happen to them. In the past, Chime asked me for supporting documents when they tried saying I had unusual activity and I provided them with everything they asked for immediately. I need help and do not know who can help me at this point.
09/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 94609
Web
On XX/XX/2022 Chime closed my account for violating terms and conditions after a review. I was not given a specific reason why even after replying and requesting more information as to how decision was made. All they did was refer me to the user agreement which does nothing to indicate why my account was closed. It is just too vague to help me at all. I can not call them, as the auto message refers me to the email. I can not login to use chat, as my login credentials are no longer valid. So, after several years without a problem, now my money is gone and my future deposits are going to be returned. Any help would be appreciated here. Chime also did nothing to help me with multiple disputes I had with a single merchant that never sent my orders. I had over 20 orders that I never received over course of 12-14 months and Chime customer service said that I could open a dispute for each transaction I never got from the merchant. So, back in XXXX of XXXX, after spending hours on phone and collecting all the documents proving that I didnt get any of the orders, they almost immediately denied the claims and any appeal and then sent me a letter accusing me of falsely opening disputes to get temporary credit. This was a real slap in the face. I was absolutely floored. What am I supposed to do when I dont get the stuff I paid for? Chime doesnt care and accuses me of fraud. My first few years I promoted Chime, but these last few months have shown me that they are not to be trusted. Thank you for your time. Respectfully.
01/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NJ
  • 07304
Web
On XX/XX/2022 I ordered a XXXX phone online for my XXXX XXXX XXXX for her birthday the amount paid for the phone was XXXX it was a XXXX XXXX a red model being as though I was a new customer I only paid for the first 3 months of billing and the phone was free and it was expected to get delivered the next business day which was XX/XX/XXXX after I receive the tracking number and the carrier which was ups I turned in notifications to keep track of my package the next day comes when the package was expected to arrive I headed out early that morning to my daughters XXXX doctor all the way in XXXX XXXX XXXX I received a notification 15 minutes after the package was delivered I called my neighbor she stated that when she went to look for the package which was dropped in front of my door it was nothing there so after my daughters appointment I headed home to see if It was maybe in my mailbox it was not I then called my housing manager and requested the cameras be ran back to see was a package taken from by my door and he called back within an hour and indeed saw someone picking a small box up from in front of my door I also filed a police report and my housing manger did as well I also called XXXX they gave me useless options either purchase a phone or basically dispute it with my bank which is chime I disputed my order on XX/XX/2022 and I called today XX/XX/XXXX for an update chime replied I was not eligible for provisional credit and that it can take up to 90 days for a decision from the merchant which was XXXX XXXX
11/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • ID
  • 83815
Web
I had two atm withdrawals that I did not make. i immediately reported the transactions to chime banking telling them that it was fraudulent and was not me. They closed my debit card and said they could not do anything about the transactions until they processed because they were still processing on my account. There was one transaction for {$400.00} plus a {$2.00} ATM fee at XXXX XXXX on XX/XX/2021 and then another {$400.00} withdrawal plus a {$2.00} ATM fee at XXXX XXXX on XX/XX/2021. I informed them that this was not me making these transactions and I still have my card on me and my phone and have not given my information out to anyone. They said they couldnt do anything until the transactions were processed once they were processed I called them back and again told them that these were not my transactions and that that money had been stolen. They said they were going to investigate it I never heard from anyone and then it said on the app that the investigation was closed and my claim was denied. So I again called them and told them that this was incorrect and they needed to re-investigate or do something because these withdraws were not mine I did not receive the funds. They said they were going to open the case again I have not heard anything from them besides that they say I have used this ATM in the past and therefore they do not believe that they are responsible for the withdrawals. I have since contacted the institution where atm that the withdrawls were taken out it is XXXX XXXX XXXX in XXXX XXXX WA
08/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • OR
  • XXXXX
Web
This complaint is regarding CHIME Online banking, the freezing of my account, the failure to communicate, and the most egregious not returning my money when I asked for my account to be closed. Friday XX/XX/21 I received three automated e-mail about unusual activity and that I needed to send all my personal documents via e-mail to them. I was traveling that week, they froze my account. Friday XX/XX/21 I uncomfortably sent all these documents and personal information via e-mail. -received an automated e-mail saying basically " not good enough '' I send another e-mail with better pictures of these documents. -received an automated e-mail again Saturday XX/XX/21 I send them a reply with more documents INCLUDING me having to send a picture of myself holding my passport Meanwhile NOT ANSWERING any of my many questions, just automated e-mail after another. I don't think I have ever felt this ignored and disrespected in my life. A few more automated e-mails requesting my documents then finally they sent an e-mail saying because I didn't comply they were closing my ticket, and if I wanted them to unfreeze my account I'd have to open a new ticket requesting assistance ARE YOU KIDDING ME? -Finally I sent them an e-mail that Sunday requesting that they return my money and close my account, tired of being treated like trash and not being able to access my money. -It 's Tuesday night and after a few e-mails asking for the return of my money and closing of my account they haven't replied with a single e-mail.
06/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28269
Web
On XX/XX/XXXX I contacted chime bank about unauthorized charges to my account. I explained to them that my phone was stolen along with my wallet because my phone case is a wallet. I had 8 different transactions taken off my account through XXXX XXXX that I did not do. I filed a police report and I also filed a report with identity theft. org I sent them the police report # and the identity theft case # my license and other personal info was stolen also. Chime denied my claim in less then 24 hours stating no error occurred when it did. Im very upset that they didnt even try to help me. Whoever had my phone was able to see everything. I found my phone thrown on the side of the road. Im out of about XXXX bucks I have XXXX children and this is not fair at all. Im filing this complaint because chime doesnt protect their customers enough to even look into the case of unauthorized transactions and they didnt even try to help me. I want my money back this is terrible. I dont have that much money to just give away, that was my money for rent and bills. Im very upset. also the person who stole my phone, was inside of my chime account I added money to my card to get ready for rent not knowing they were able to get in my account and they withdrew money as I added it because it pops up on my phone, they just used XXXX XXXX to withdraw funds and also sent funds to themselves. Chime basically called me a liar and said I did it on purpose when I did not. I am now working with police to try and find out who this person is.
04/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OK
  • 73170
Web
I have a checking account with Chime bank. On XX/XX/22, between XXXX XXXX I noticed XXXX unauthorized charges on my account at a XXXX XXXX gas station in XXXX, XXXX. The charges were as follows : {$120.00} at XXXX for diesel fuel, {$86.00} at XXXX XXXX for premium fuel, and {$120.00} for diesel fuel. I called Chime to dispute the charges immediately, using their 24/7 call center. I was told they would launch an investigation into the disputed charges. They informed me it could take up to 90 days to complete the investigation but discretionary funds ( totaled in the amount being disputed ) may be issued after 30 days if the investigation was not completed. Less than 24 hours later I received an email from Chime stating they had concluded their investigation and determined no error had occurred. When I challenged their ruling, they said I could submit supporting documents to rebut their decision. So I went to the XXXX in question to speak to XXXX XXXX. and obtained the XXXX receipts for these fraudulent charges. The XXXX showed me a screen shot of the security footage to see if I recognized the people using my card info and I did not. I then went to the XXXX police department and filed a police report. I then forwarded the XXXX receipts and the police officers business card with the case number written on it to Chime as supporting documents on XX/XX/22. One day later, on XX/XX/22, they emailed me stating that my documents are insufficient and they stand by their original decision, then they closed the case.
10/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 91401
Web
I opened a Chime checking account about 2 years ago and have been having my paychecks deposited there and moving them into my Chime savings account since. I transfer money into my checking as needed so I dont overspend, so it had a {$0.00} balance and {$760.00} was in my savings account. On XX/XX/22 around XXXX I received a notification on my phone that thanked me for making a deposit into my checking account that I never made. Within a minute, I got a notification and email from Chime support letting me know that my account had been closed. I immediately responded to the email asking why, and what would be done about the {$760.00} I had in my account before it was closed. Within the hour, support had emailed me back and let me know that they closed my account due to not being in compliance with Chimes internal policies and I am ineligible for my money back. I responded immediately again asking for clarification on what that meant and why I was ineligible for my money back. I was then told that someone would reach out to me by email within 2-3 days, and that if I kept reaching out it could delay my response. I called their support number but it is an automated machine that only gives you their email address. Then I called XXXX XXXX, the bank Chime partners with and explained the situation. They also told me they have nothing to do with Chime and I would have to reach out to them for any help. I never heard back from Chime support. So it appears theyve randomly decided to close my account and keep my money.
07/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33073
Web
I got an fraudlent charge Merchant : XXXX XXXX AmountXXXX Date : XX/XX/XXXX I used my card at the merchant mentioned and used my chime credit builder card for the amount of {$38.00}. I returned to the merchant the next day for a service check, however no service was performed, yet my card ( same card that I used to pay with the day before ) was charged a new amount of {$140.00}. I contacted the merchant with no response, then I proceeded to contact Chime and report the erroneous charge. Chime opened a dispute claim, only to deny it a few days later. I requested the dispute documentation and the explanation provided by them was derisory to say the least, ( file attached ). They claimed my card was used at the same merchant the day before ( precious piece of information, I was fully aware of, since I was the one who made such a charge ) and besides that I had used that card on same day at other merchants ( Please not at no point and time I attempted to charge back any other transactions I was responsible for during that particular day ). Their statement outlines the limited investigation method used by this institution : if I was in possession of my card therefore the claim is not valid. Shouldn't they consider that the fact I had the card in my posession, does not stop individuals or businesses that have my information on their file ( through different methods ) to place such charges? Their customer service is extremely unsatisfactory, they handle these charges investigations with an utmost incompetence
04/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 91768
Web
On XX/XX/XXXX myself and my boyfriend applied for an apartment with XXXX XXXX XXXX in XXXX California. We submitted two separate payments of {$35.00} for apllication fees and {$250.00} for a holding deposit. I received an email from XXXX who is the property manager and he stated the {$35.00} is non refundable and the {$250.00} is based on the out one of the crefut check. Meaning if I'm denied I get it back. I was denied and asked that the {$150.00} be refunded to my card. I was told it couldn't be and corporate would send a check. I never got a check and I went through my bank to dispute it. My bank, Chime gave me a provisional credit and then last week told me they completed the dispute and no error was found and that they would now take the {$250.00} back as of XX/XX/XXXX. I contacted and spoke to a floor manager twice to have this dispute reopened. I was given the pdf they used and it's a rebuttal that's not on letter head and says they charge $ XXXX for an app fee and I agreed to it and knew it was non refundable. I submitted Chime with all the emails to prove it was a holding fee. And on the bottom of their pdf it states how the charges were to be seen on my statement. It showed two {$35.00} app fees and one {$250.00} holding fee. I was told my dispute would be open and the money would not be debited. However today it was now I'm negative and they will not reopen and they are standing by the merchant stating {$250.00} is an application fee although I was only charged once and there were two of us.
07/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • GA
  • 30083
Web
On XXXX I made a deposit to a hotel at XXXX XXXX XXXX for XXXX dollars. On XXXX the hotel realized the funds to be returned into my account. The money that was supposed to be returned never got returned into my account. I called my bank to see what was going on with the funds that's supposed to be returned to me and eveytime I call I get a different story on what's happening with my money. So they say on XXXX the funds was supposed to be refunded in to my account and never was. The representative that was talking to me was telling me that they supposedly put XXXX ik my account which already was $ XXXX and mad my account balance $ XXXX so if they put {$220.00} in my account why is my account negative when they where supposed to be returning {$220.00} to my account. I continued to try to explain to my bank that if they added XXXX then my account shouldn't have been negative amount but she kept saying the same thing over and over. So I tried hanging up and calling back and over and over, and every time I called a different person would answer and has something different to say every time switching up the story on what happend to my money. So I finally called one last time and asked to speak to higher up manager and was told something different about what happend to the money that's supposed to be sent then in the middle of me talking and trying to figure what's going she hung up on me. My problem still has not been resolved on I been waiting for over a week and a half now and still have no resolved issue
07/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NV
  • 89119
Web
Hello, On Thursday XX/XX/XXXX my Chime Debit card was forgotten at my local XXXX and then stolen. The thief made 3 transactions with local merchants and then started sending payments to a XXXX XXXX account ( presumably hers ) until all of the money in my checking account was gone. She continued to try to make payments to the XXXX XXXX account throughout the early morning hours in smaller and smaller denominations. Chime then sent me texts asking if these were approved ( no ) transactions or fraud ( yes ). I woke up at XXXX for work and noticed I had 5 or so of these texts. I then checked my checking account to find all my money was gone. I called a rep right away, and she said I had to wait until the payments posted for me to dispute them. The next step was to identify the XXXX XXXX account, her name is XXXX XXXX XXXX pull up some pictures of her, talk to the merchants about surveillance, and file a police report. Yesterday the transactions posted so I disputed them with Chime while providing all the details, including the police report and an " additional crime information report ''. This morning they had already rejected my dispute, providing no details as to why. I called them again and they told me to send all the details again via email, and they told me my rebuttal was likewise rejected with no info as to why. When I called back the rep said he would send me an email immediately so I could resend my rebuttal info. I never received another email, and none of my stolen money has been returned.
09/12/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 11219
Web
Let me start by giving you my background, I worked on XXXX XXXX for 20 years and have XXXX XXXX, XXXX. I have more than the average grasp of Banking Regulations. What Chime bank is doing, and from what I gather on a massive scale is collective fraud. Since this has happened to me, I have read hundreds of stories about similar theft. How its gone on in this day and age with all this regulation to protect the customer is beyond me. Chime has implemented a culture of theft and my guess is they will steal as much as they can until the Feds shut them down. What happened is I received an email my account was suspended due to suspicious funds. I explained to them my funds are coming from the New York State Department of Labor. That they were my unemployment benefits and thee is no way the could be suspicious Over the next day I sent them my drivers license, passport, two credit cards, my apartment lease. What all of this has to do with suspicions funds is beyond me. The crazy part is the wouldnt let me talk to anyone, i never had access to a human being. Just a generic email and when the person would respond it would be with a first name and last initial. Again the reiterated my funds were suspicious and the were closing my account and keeping the money. I could not believe such blatant fraud. You guys have to shut them down, they have stolen from a lot of people. They stole my unemployment which was {$410.00}, and I couldnt feed my family, I am beside myself. I couldnt even get a name or a phone number
05/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • AL
  • 36830
Web
There were XXXX large deposits made to my online Chime Bank account in XXXX. These deposits were winnings from a online casino that I play. I have had this account for several years and have had my income tax refunds, paychecks and other winnings from the casino deposited to this account with no issues. On XX/XX/ my account was locked and I received a email asking for proof of deposits along with my ID. I submitted requested documentation on XXXX XXXX Since then I have resubmitted documents about 5 times. Each time I receive a email response asking me to submit submit documents. I have made anywhere between 10 to 15 phone calls only to be told that I can not speak to anyone on the review team but they will " expedited " my concern to them. I have submitted over 15 emails to customer support, outreach and review only to be asked to submit documents that I have already submitted numerous times. I have been off of work over a year because of a work related injury so this money was a blessing to me and my family but because my account is locked I have depleted my savings account and have been late paying my bills. I was out of town on the XXXX XXXX XXXX when my account was locked. Had to borrow money from family to get home and pay for the remainder of my trip. I need access to this account because this is all the money that I have and I have been told that I need to move out of my place by XXXX XXXX because I have been late paying rent for the past XXXX months because of Chime Bank holding my money.
11/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • LA
  • 70122
Web
Dear Chime Bank, I write to express my deep disappointment and frustration regarding the denial of my dispute claim. As a victim of fraud, it is my right to seek justice and reclaim the funds that were wrongfully taken from me. It is disheartening to see that XXXX XXXX, with whom I have submitted similar disputes, has promptly approved and resolved the matter. I lost my wallet early next month and got it back from the gas station. All my cards were compromised and my regions bank already have refunded my money from this fraudulent transaction. Only you guys are siding with the scammers, this is so ridiculous. I implore you to reconsider your decision and recognize the urgency of my situation. The money that was fraudulently taken from my account is not just a mere sum, but a significant part of my financial stability. It is my entitlement to have these funds returned to me immediately, as per the policies and regulations that govern such matters. I understand that investigations can be complex, but it is crucial to prioritize the well-being and trust of your customers. By denying my dispute claim, I feel as though my concerns and rights have been dismissed, and this further exacerbates the distress caused by the fraudulent activity. I kindly request that you review my case with utmost diligence and empathy, taking into consideration the evidence and documentation I have provided. I trust that you will rectify this situation promptly and ensure that justice is served. Sincerely, XXXX XXXX
10/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 32211
Web
On XXXX XX/XX/XXXX I received a email stating that my account with Chime but its a well known bank thats called Chime So I received a unexpected message stating that my account closed abruptly without any legitimate reason and told me my remaining balance on my account would be sent to me within a week as a closure check so its been a week Ive tried calling them on the phone on XX/XX/XXXX and emailing then from this date up into XX/XX/XXXX almost half of the day only for them to tell me that my money is still in my account and that a check was never generated so they said they put out a ticket and which get right back with me with no luck Ive just been furious and trying to email and make calls about whats going on with my account and why hasnt my check been mailed but they refused to let me know anything and exactly why they just just kept telling me the same answer and became mislead they were not helpful on resolving my issue they have been telling me two different stories the whole time while my hard earn money is stuck on my account and there is no way to re open the account so I can get all of my funds out in the total of {$910.00} $ Is the amount that is on my account right now so then they tell me after all of this there is nothing more that they can do to get my account back open again so I can at least get all of my funds back, to whom it may concern this is very devastating and so upsetting I just want and need help with getting my account open because its a really frustrating matter.
12/06/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • 85326
Web
Over the years chime has had inaccurate add ups of funds on my account. I've reported them previously about inaccurately charging transactions and the math not adding up correctly to what's being stated on my account. Chime is committing fraudulent activity. My accounts balances are not correct, chime is not allowing transactions to happen as scheduled with other financial institutions, denying transactions when money is available, and showing pending charges for things that have already been paid for and have processed. These are the tactics the bank is using to commit fraudulent banking activities. I've had multiple issue with Chime, as I stated previously but now it's becoming to ridiculous that no one is investing this business. Chime is holding money from refunds stating that they put it towards my balance when they did not. They have stolen numerous amounts of pennies from me. Which do add up. If you go through and add up yourself my persona record which I know would prove fraud, I'm more then willing to allow you to access my account to check. I'm tired of them stealing my money and getting away with it because they want to hide behind " processing '' items and inaccurate balances. Someone needs to investigate this bank asap. My account can't be negative and I have a balance and pending transactions that don't even add up to the balance they stated are available on different days. My account is negative or over drawn and has been when chime is stating I had XXXX of dollars as my balance.
07/03/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • OK
  • 73013
Web
I joined Chime almost 5 years ago. Its been a great bank. Then, XX/XX/2021 my account was compromised by someone who has an old ID of mine. They changed the email and phone number and locked me out of my account. I immediately called Chime to notify them I got a notification my phone number changed which I didnt change. They had me send in Identity documents including a selfie of me holding my ID. After several weeks, they corrected all my info back to the original information and then immediately closed my account. They mailed me a closure check for {$24000.00} on the XXXX of XXXX. When I received the tracking information, on the XXXX, it was already out for delivery in the WRONG state. I immediately called and asked how did this happen, I specifically instructed them not to modify the address because this hacker has my old ID and will be able to cash the check. The cancelled and reissued check. After going back and forth with them over the week about details of the suspected hacker, was told by several agents the new checks were set to arrive at the correct address today, Friday the XXXX between XXXX. It never arrived and my fear is that somehow the hacker intercepted the check again. I cant confirm because they havent provided the tracking details still. Upon calling them in a panic, was told there was not a new check mailed. I havent been to the grocery store since XX/XX/XXXX. I havent eaten in two days. I have no gas in the car and cant leave my home. They dont even know where my money is.
04/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • WI
  • 54220
Web
I can't gain access to my chime accounts. I've attempted to gain access with pictures sent, requests for them to review, requests to update information to gain access to app to withdraw and close out my accounts. At least 30 times. I do not have access to my old phone and emails. I've explained repeatedly of restraining order I've had issued to stalker and therefore had to change my info frequently so I attempted to use an email and phone number I had verified with them and still I can't gain access. I can't even gain access to get my amount numbers to withdraw everything. I've attempted to get them to put a hold on the accounts because the cards are stolen but they will not accept the updated info. Without the acceptance of the info I can't gain access to online chime app and without that you can't do ANYTHING with them. I'm on social security/XXXX. I explained they are withholding government funds and payments and all my income. I can't change my auto deposit b because I don't have my account info I don't have my account info because I can't get into the app and I can't get into the app because they won't accept my updated info I've submitted over 30 times. My income is XXXX monthly they have the last 3 months. My savings is almost gone. I'm trying to move but I'm afraid that attempting to change anything else will cause further delays. So I can't close or hold my funds, I can't report stolen cards because I can't update anything and I can't hold it stop any spending. They WILL NOT help me
07/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Advertising
  • Changes in terms from what was offered or advertised
  • OH
  • 44102
Web
I have been attempting to obtain a Chime Credit Builder account with Chime Bank since XX/XX/XXXX when I received an email around roughly XX/XX/XXXX. The application claimed that Chime Bank couldn't verify my identity. This was lim my because I put in the wrong address. I qualified per their terms for this service since I had a {$200.00} direct deposit over the past 12 months at that time. I currently have my SSI payment for {$790.00} being direct deposited to be my Chime Bank checking account. I have received it in my Chime Back checking account for the past 3 or more months. I made an error on my application in my email for the Chime Credit XXXX card and the application had an error and timed out. I have asked them since XX/XX/XXXX and most recently XX/XX/XXXX to let me re-apply or send me a new application. Their customer service team just keeps saying they'll escalate the situation to the right department and it will take 24-48 hrs to receive a response. I usually spend 1-2 hours on hold or being argued with over something this simple. Just give me a new application. I usually get a response within 20 mins stating they have no way to offer me another application. This is not only unprofessional it's false advertising a product since I qualify for it and they won't give it to me or at least a chance to apply for the service. They've been arguing for about two years about this with me and have never offered a re-application process or what happen with my original application in writing.
10/10/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • KY
  • 40324
Web
Hello, On XX/XX/2020 a charge for XXXX to XXXX XXXX XXXX XXXX appeared on my Chime bank account. I did not authorize this charge and contacted Chime bank immediately to file a dispute claim ID XXXX. I filled out Chime 's dispute form and waited for their results. They denied my claim, and I requested the documents they used in their determination. I received the documents and proceeded to ask questions about their findings, but was not successful. I also contacted XXXX and Verified by Visa, but they all referred me back to Chime. On XX/XX/2020 I filed a dispute on the charge for non-receipt of goods claim ID XXXX, as I had not been able to get any satisfactory communication with Chime. This dispute was also denied. Here is where the problem is, I requested the documents used in their determination and the documents clearly show that the purchase was not sent to the billing address of my Chime card, nor was an email associated with me used. It also stated that the IP address was inconsistent with the billing city. It gave me the address of the person who used my card which didn't seem very professional to me because what if I chose to confront this person? I have repeatedly asked if I could speak to a fraud examiner and I have spent many phone calls and emails trying to resolve the issue with Chime, but I am usually connected to customer service reps that are unable to help with my situation. I would like for there to be a review of my case by someone with a fraud examination background.
04/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 158XX
Web
On XX/XX/2023 at XXXX XXXX. My account information including my email, phone, and password was changed on my Chime bank account. Within the next hour roughly {$20000.00} was transferred out of my bank account to various destinations. I did not authorize any of the changes to my account or any of the transactions Ill list below. The first was a transfer to user XXXX XXXX for {$5000.00} dollars. I did not send or authorize to send any money to this user. This transfer has since been disputed and has been deemed and error and I have had funds returned. Starting at XXXX XXXX the same day, a string of 7 transactions took place without my knowledge or consent totaling {$10000.00}. There were payments to two different websites I have never visited or received any services or products from either website. I have disputed these transactions and Chime has determined there to be no error, which is false. The last fraudulent item was a Chime credit builder account that was opened in my name which was not authorized by me. The account charged {$5300.00} to websites I have never visited or received anything from. Chime has also determined that there was no error here, which is again false. Chime provided no documents or feedback pertaining to the investigation in the email that let me know their were no errors found. I have made a rebuttal and requested Chime show me their investigation. I also have filed a police report with the XXXX State Police # XXXX. They are currently investigating.
03/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • GA
  • 30093
Web Servicemember
I maid a purchase on XX/XX/XXXX for a phone through Xfinity mobile AND My credit wasn't high enough so they canceled it but they already took XXXX dollars as a deposit I never received my money back everytime I call each working says different things they said u received your money on the XXXX I send screen shots of the XXXX no money returned they another working says I received it on the XXXX I got screens shots on the XXXX no money return they I call again one working says give it 3 days they released the money to chime on the XXXX and still nothing I called support now she says it was giving to you I'm telling them my activity is everyday use I know if XXXX was put back and they choose to not help me like how they all come up with different dates and info I spoke to a super viser she went after I told her no and canceled my card being rude like who does these things mind you I have my amend taxes set for direct deposit there I have 2 returns from XXXX I'm yet to receive cause it's to the card they canceled they have XXXX of mine from a company I blocked last month and report as fraud. Yet the company too XXXX from me like 10 days ago I disputed it and they canceled my card with out looking into the fact I already cancel my card last month this was a new card but she wan na do it her was and talk to me last and I couldn't understand her she didn't even understand XXXX like this is american this is my money but sounds like the call center is in XXXX I feel chime is just robbing people
07/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 338XX
Web Servicemember
on XX/XX/2022 I was out shopping in XXXX XXXX XXXX near my home in XXXX XXXX I then proceeded to fund my chime debt card with {$100.00} so I can pay upcoming bill but later that day I received notifications that card was used so I called chime as soon as I saw the notification on XX/XX/XXXX they said that I can not file dispute because the transaction need to be posted to I saw it was posted on the XXXX so I called them back and filed dispute I was then notified in less than XXXX hours that my claim was denied when I contacted they said I need supporting documents so I send my location history from my XXXX XXXX account then still my claim was denied saying that isn't snuff I then sent my other banks account statement that I used to pay for the XXXX and in XXXX but was still denied saying that they came up with there answer because my pin was not changed { but pin was not used in transactions } and I funded my account prior too the charges, how is that more proof than what I have submitted, I heard by a ex employee that chime does that to certain XXXX and keeps the funds for themself, please help this is not right I will provide email that chime sent and I will provide the information I povided to them there are multiple more XXXX I found who has had similar cases or the same cases please look into chime there are scammers I messaged the ceo and XXXX and none of them care to respond, this situation needs a class action lawsuit and that's my next step if I don't get this issue resolved
05/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • SC
  • 291XX
Web
On Tuesday, XX/XX/2023, Chime informed me that my account would be closed on XX/XX/2023 and that a check for any remaining balance would be mailed within thirty ( 30 ) days of XX/XX/2023 to the address that they had on file for me. No explanation of account closure was given besides a claim that I exhibited activity that violated the terms of the Deposit Account Agreement which I read and saw no violation on my part. XX/XX/2023 at XXXX, I contacted them to inform them that a customer service rep told me I was being sent a new card but also that my account was scheduled to close which it did. I asked for a status update on when my funds that were remaining in my account would be mailed and they responded saying quote The account will be closed on and is not eligible for a refund. After this email, I submitted an appeal to which they responded saying that my check for the amount was on the way, however, upon receiving said check on Thursday, XX/XX/2023 and attempting to deposit it in a bank account on Friday, XX/XX/2023, I was informed that the check was not verified and that I would have to contact Chime. Upon contacting Chime, I was told to try and deposit the check again. Saturday, XX/XX/2023, the bank told me the check was fraudulent and they were unable to deposit it. The check amount is for {$44000.00} which is the amount of my combined checking and savings accounts I had with Chime and they have communicated that they will not reopen the account so I can have access to my funds.
08/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • CA
  • 92683
Web
I received email notification that a checking account had been opened in my name with Chime. I immediately called Chime and request that the fraudulent account be closed, however Chime refused to provide me any information regarding the account other than they had closed it. Per Chime advertisement, they issue both a debit card ( within 1 day ) and credit card when you open a checking account without running a credit check or XXXX XXXXXXXX XXXX. I am concern that they issued these cards without proper credit bureau verification to whomever ( anyone ) sets up an this fraudulent account, especially with all the data breach and identity thief that is happen on a regular basis. Even thought the checking account was closed per Chime, there is still a potential that the identity thief could use either of these cards ( debit or credit ) issued by Chime to cause damage to my financial reputation. Companies like Chime should not be allow by law to open checking accounts, or issue debit or credit cards without performing the proper credit bureau checks that are in place to protect consumers from fraud / identity thief. This type of financial offering encourage Identity thief since there is no way for me as a consumer to protect myself from this fraud. I have spend in excess of 6 hours today put fraud alert on my credit profile with the credit bureau and other agencies, which is not fair to me as a consumer because of Chime 's flagrant disregard for protecting consumers from identity thieves.
06/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30906
Web
XX/XX/XXXX I received a call from a friend at XXXX in an emergency asking for XXXX dollars I was half asleep and sent what I thought was the XXXX just to find out it was XXXX instead I reached out to the person and they tried to convince me that I only sent XXXX so I reached out to chime and I was informed before filing a dispute I have to attempt to contact the person which I did and the person stated I only sent XXXX dollars and on XX/XX/XXXX sent XXXX dollars back I stated that it was XXXX and me and the individual had a heated argument which cause the person to block me on all platforms which caused me to block the person on my chime after doing so I received that my dispute was denied due to a denied transaction to the person which is impossible because I blocked the person so I reached back out to chime to inform them of the information and was told that they would start a dispute but I need to send screen shots of the messages and proof I'm blocked by the other person which I did on XX/XX/XXXX doing so I waited to hear from chime and never did so I reached out to chime on XX/XX/XXXX and spoke to a manager and I was informed that the images was not compatible with their system and I should've sent it pdf format which I was never informed I sent the proof verifying the transactions don't on XX/XX/XXXX and XXXX XXXX and I send the text messages as well as the screen shots of proof I continually reached out until I was blocked and chime is telling me there's nothing they can do.
12/02/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MI
  • 48328
Web
On XX/XX/2020 I received a message from what I thought was Chime my banks account stating I was approved for a higher " spot me '' bonus which allows you to overdraft for free, I clicked on the link and entered my login credentials only to find out out it was a scam,. XX/XX/XXXX I received my unemployment direct deposit for XXXX $ from the previous 2 weeks into my bank account while I was starting a new job and I was in the car with my new boss and a transfer I did not authorize took place to a person named " XXXX XXXX '' in the amountnof XXXX $ on XXXX XXXX 2020. I immediately contacted the bank and told them I wanted to dispute the transaction as I had not given authorization for that nor did I transfer the money to this person, I also was on the phone with a customer service representative and he was watching transactions for a website ive never been on in my life take place called XXXX, I immediately started a dispute and a investigation and was returned with an email on XX/XX/2020 stating during their investigation they found NO error in the transaction which is false because I offered the photos of the emails I received from a scam email that was labeled as my bank and they refuse to give me my money back or open a new investigation. I did not authorize this transfer of these funds and I did not authorize thisnperson access to transfer these funds, I am receiving 0 help from the Chime banking institution and I have emailed the CEO and Owmer but have not received a response.
01/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MD
  • 210XX
Web
On XX/XX/2022 my prepaid Chime checking accounts was charged {$430.00} and on the same day my prepaid credit builder was also charged XXXX charges of {$430.00} ( {$870.00} ) There was XXXX in both accounts and my spot me was not on. I have {$210.00} in my savings on Chime. These charges were made from the quality inn where I have stayed for XXXX yrs. I pay $ XXXX every Thursday. These charges appeared on a Monday. I called the manager their system showed no charges just the last one made on on XXXX for {$430.00}. I called XXXX XXXX about it -no charges appear. Obviously the manager can see the charges came from XXXX XXXX on my chime account. He tells me XXXX other guests have the same problem. Their system was XXXXacked.I filed a dispute with Chime they denied it saying they are regular charges the see on my card and that I had my card on me! Well of course I had my card-the hotel was hacked I did not load my card!!! They did not investigate, never called the hotel to follow up. The hotel manager has called several times only to be left on hold for hours only to be hung up on. I made a police report, and still nothing. The hotel says the other guests have been refunded on their cards! My thing is hacked or not how does chime allow charges to come thru with no $ in the account? I could not over draw 1 penny!!! I need my account fixed I have {$210.00} dollars I can not get because you have to transfer to you checking to get it out!! I need help. It has been a month. And nothing!!!
03/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 93710
Web
Hello Id like to file this complaint l I will attach my police report because I am truly disappointed in my dispute outcome with chime XXXX XXXX my account number is XXXX i got my disputes denied and submitted a rebuttal just now they have denied it again Ive submitted it once again and reported them to the XXXX .I have took pictures of the skimming device that was found at the store I used my card at I went back to the store and talked to the cashier they told me other customers complained so they checked the debit card machine and it was loaded with a skimming device. So there is many proof I was skimmed. The transactions I am submitting a rebuttal for happened on XX/XX/XXXX for {$140.00} and XX/XX/XXXX for {$320.00}. They were both atm withdrawals. I have All kinds of proof even pictures of the device used to skim my debit card. I told them I had the pictures i also told chime if this is not solved I will contact an attorney with all my proof. I told them I am very serious about this and will not accept to talk to another representative that tells me the same thing I want to speak to someone of higher authority that is going to actually help me with this. Ive also told them That once I get my money back I will be closing my account because this is the worst experience Ive ever had with a bank.. Id like something to be done here I am Extremely disappointed and in finiancial hardship due to this situation. Chime does not investigate disputes they just immediately deny them.
12/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • PA
  • 151XX
Web
A deposit was placed on my account for {$280.00} by XXXX XXXX ( a rental car on vacation in XXXX, XXXX ) on XX/XX/2023. When I returned the rental car on XX/XX/2023, XXXX XXXX canceled the deposit and assured the hold would fall off my bank account in 3-5 business days. Despite providing proof ( receipt with authorization code ), Chime ( XXXX XXXX XXXX ) still has not released the pending transaction back to my available balance as of XX/XX/2023. They have given me different answers at every turn, including that it would post back to my available balance within 7 days ( already past ), that rental car deposits take up to 30 days to expire ( but this one was canceled ), that they would confirm the cancelation with the rental car company and return the funds to my available balance the same day ( this did not happen ), and that they can't contact the rental car company because it is not in the US. At their request, I emailed the original deposit receipt and the deposit cancellation receipt ( with authorization codes ) three separate times. Every person I talk to gives me a different answer or just hangs up on me. I spoke with the rental car company again and they assured me that they confirmed with their bank that the deposit was canceled on XX/XX/XXXX and that there should no longer be a hold for that amount on my bank account, yet Chime refuses to release the funds back to my available balance, contact the rental car company to confirm the details, or provide any resolution.
07/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 318XX
Web
I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on two bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on two different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the XXXX XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. I did filed a mandamus petition in XXXX XXXX XXXX XXXX for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know XXXX open XX/XX/XXXX. The same month XXXX open and I taken my conviction in XXXX XXXX XXXX.im not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX XXXX trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX XXXX I been having a hard time opening cd accounts brokerage trade account and etcs
01/18/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 11236
Web
I have two accounts with Chime, that is accessed through chime.com and the mobile app. During the last three months of XXXX ( XXXX, XXXX, XXXX ), I move funds into chime because I am readying a down payment for a house. After the new years into XXXX, I returned from vacation and things began to become bizarre with Chime. There was no access into my account from chime.com and the mobile app. I emailed to support@chime.com and there were no reply for over 6 business days. I spoke with my lawyer about this and he advised me to msg the cfpb about this as these so-called " fintech '' startups are typically becoming odd about quality of service. These behavior about Chime are very worrisome among many customers, my friends and myself. Chime have no physical branch, their support have become uncontactable and nonresponsive as stated. They provide no means to access my funds even after three levels of security with login/password, puzzle solving and telephone 2FA. I repeatedly pass all those and still no support msg and access to my funds. I tested my ACH transfer where money only can go in and no money can be ACH out even though its previously authenticated. I last check from friends that Chime is theatering customers to delay access to funds. I urge bank regulators to seriously review Chime 's startup business practices as described customer service behaviors are very bizarre and disturbing. The resolution I asked is the restoration of my account and funds without delay.
07/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30013
Web
I opened a checking account with Chime in XX/XX/XXXX. I used this checking account without any problems or issues for about 3 years and 4 months. My checking account was forcibly closed by Chime on XX/XX/XXXX. I received the following email message from Chime on XXXX : " your account is not in compliance with its internal policies and the member agreement executed at enrollment The account was closed on XX/XX/XXXX. If there is any account balance due to you, a check will be mailed to the address on file within 30 days '' I do not know which Chime " internal policies '' I did not comply with, but my primary concern is they promised to send the balance of the funds in my checking account to me, " within 30 days '', so that I could deposit my money into another bank. My checking account balance as of XX/XX/XXXX is {$11000.00}. I should have received my funds no later than XX/XX/XXXX. But despite my repeated requests, and sending over a dozen emails to Chime, and making countless phone calls to their customer service, I still have not received my money from Chime. I need the help of the CFPB to get Chime to send me my {$11000.00} as soon as possible. As of today, they have illegally held my money for 223 days since XX/XX/XXXX. Pleae see the attached emails that I have been sending to Chime, and the replies I have received from Chime since XXXX XXXX As you can see, they are deliberately stalling and procrastinating, and coming up with excuses not to send my money to me.
06/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • ID
  • 83815
Web
On XX/XX/XXXX, I attempted to transfer {$150.00} from XXXX XXXX to Chime. XXXX sent the money and Chime rejected it. The $ returned to my XXXX account on XX/XX/XXXX. Chime says a name other than mine was on the account. I am the sole owner of both accounts, and there is no trust, DBA, estate of, second signer, or any unusual ownership. The name on both is XXXX XXXX. I reached out to chime and they refused to tell me whose name is on the account. XXXX actually pulled up the batch report sent to XXXX and state my name was on the account field for the ACH. Chime told me I could send an email, unsecured, regular email to XXXX. I have repeatedly objected to this as a unsafe, unsecured way to exchange personal details. They wanted an id and I reluctantly sent them a copy of my passport. They continued to refuse to give me the information and have demanded a copy of my driver 's license and social security card. They want it attached to an unencrypted, unsecured email. I am done with Chime. I am closing the account asap. My direct deposits do not go there anymore. I still don't know who tampered with my ACH, or if they mistakenly erred in rejecting the direct deposit and won't admit it. They appear to be violating the Graham Leach Act of 1999 that requires banks to handle personal information with more security. Why is a BANK asking for my social security card in such an unsecured and unsafe way? Why do they keep stonewalling my request for some basic information???
12/18/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • PA
  • 151XX
Web
They closed my account on XX/XX/XXXXand informed me by email : We have determined your account is not in compliance with your Deposit Account Agreement. Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ). If you still have funds in this account, please allow 14 days for any outstanding transactions to settle and then a physical check for the remaining balance will be sent to the address on file. You should receive your closure check shortly after. This isnt the issue, but its worth noting. I signed up with Chime because my bank didnt play well with the XXXX XXXX XXXX. So, why would a bank marketing to the online generation have to question what XXXX is and flag that deposits coming in ( under the $ XXXX limit )? Their interrogation styled emails to me were clearly clueless about XXXX. Kinda sad. I had {$1800.00} in there when it closed. I have tried calling them but the automated system blocks my call because they recognize the number and state that since my account is closed I must only use email support. Fine. I emailed several times about the status of my funds. Their replies take days and are always canned with the same info about the 14 days after closure. Ive asked questions and never get answers. The last couple emails may actually be human as they ask me for my address. So, they send numerous emails about it being sent to the address on file but now they wont send it because they want me to give it to them?
04/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • KS
  • 671XX
Web
This is in relation to a dispute that is open currently. That dispute is XXXX. Dispute # XXXX is because Chime will not let me access my account. I continue to submit the ID verifications when they request them and they continue to deny me access to my account. I can not access the checking or savings account because of the inability to log in to my account. This relates because of another problem being caused by this inability to log in to my account. I had sent a payment to a non Chime customer email address. The employee who was to receive the payment for shop expenses can not receive the payment from me. They have contacted Chime support over thirty times asking for someone from the support staff to assist them with the accepting of the funds I sent, however Chime is apparently just sending the same email in response over and over again. No one at Chime is actually providing support, just the same, irrelavant, computer generated message over and over. This is a problem and has put me in a major bind. The expenses that were to be received for the shop can not be received and no support is being provided/ At the same time I can not cancel the funds transfer because I am not being allowed to login to my own account. So here are funds in the amount of {$190.00} that are very necessary to keep my business up and running that Chime has essentially high jacked. The shop can not receive it and I can not access my account. They are disrupting business and my livelihood.
04/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • LA
  • 70360
Web
Chime bank has denied my dispute three times now after someone stole my money while i was in jail. i was in jail for 8 months long, and once i was released and was able to log into my chime mobile app i see NINE different transactions that i didnt authorize, and they were all done while i was in jail. The guy i lived with at the time of my arrest stole literally all my belongings including my wallet. The transaction listed on my account were done via XXXX XXXX as if he would have linked my chime debit card to his XXXX XXXX an accessed the money by using the " cash out '' option, His name is even listed as the transaction description, ive called chime numerous times about this issue, ive emailed them numerous time and filed a rebuttal not once but twice and ive provided them with the proper documentation i got from the jail i was released from that clearly states the dates i was incarcerated ( which was during the times of every transaction ) and they still deny me every time ive even told every single person at chime that i spoke to about this how that money was literally all i had after being in jail for 8 months and it was important i get this money back just so i could live off of it, by groceries, and pay for hotel room or an apartment to live in since i lost my home while i was incarcerated and it didnt seem to bother them that i had been a long time customer of 4 years. After this issue i will be closing this account and never looking back to this horrible " bank ''
09/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 19104
Web
On XX/XX/XXXX, at XXXX XXXX I was charged {$110.00} from XXXX for a flight to XXXX XXXX. I have never heard of this airline before because its an XXXX XXXX and I am in the XXXX. They tried to charge me a second time for about XXXX but it didnt go through because that first charge made me almost overdrawn. I disputed it immediately to Chime and closed my card. I wasnt able to actually make a claim until the payment processed on XX/XX/XXXX which is when they gave me a provisional credit. They were then investigating the claim. I also received a refund from the merchant on XX/XX/XXXX for the amount. On XX/XX/XXXX, I received an email from Chime disclosing that the investigation is finished and that they concluded that no error occurred and said they were reversing the provisional credit affective XX/XX/XXXX. So on the XXXX I called them and spoke to the Dispute dptmt manager and he assured me to disregard the email and that I would not be charged. However, yesterday they did in fact take the money from my account and I have tried to speak to them and all they say is that they can send me the documents within 10 days and or give them more proof that I didnt make the charge.I dont know how im supposed to do that when no other bank made me have to prove that a fraudulent purchase was not mine. I assume they can check IP addresses and things beyond my ability to see the proof. This is very frustrating and financially hard on me and need this resolved.Thank you for your time.
11/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • IL
  • 60077
Web
On XX/XX/2022 I filed a dispute with chime and explained in my dispute that the atm I used to withdraw XXXX dollars did not dispense my money to me but the money was taken out of my account.when I got in touch with the merchant that owns the cash station machine, the looked into my accusation and told me that there was an error in their atm and told me that I was right, the machine did not dispense me no cash.i went through the proper chain of command with chime only to find out that they denied my claim. I have since refiled dispute after dispute with chime after sending them more evidence every time they denied my dispute but to no avail, they seem to be sending me denial after denial saying their was no evidence that the atm didnt dispense me the funds.so I called the merchant to verify if chime had reached out to them.they stated that they have not received a chargeback from chime and chime has not reached out to them at all concerning my dispute for investigational purpose.i need to send u guys all the evidence I have because chime has not looked into this matter but continue to deny my dispute.i have transaction records number, the time, date, and location.i also have an email from the merchant that says chime hasnt reached out to them at all.chime wont let me talk to their investigators and every time I get a supervisor on the phone I get the run around about my money.please help me and look into this matter.i promise u this is worth your time.thank u very much.
07/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • NC
  • 27804
Web
On XX/XX/2022 I received a refund from XXXX by XXXX. I immediately contacted my bank Chime. I sent a copy of the detailed and itemized receipt. Chime did not investigate my claim because they said I closed the claim myself. I was on the phone with a dispute XXXX XX/XX/2022. He advised me that chime had a system update that caused this error to occur. He said not to worry he could reopen the claim. I immediately asked for a provisional credit while the investigation was on going due to me being a single parent of XXXX who is displaced due to home damages. I was told that the investigations team would reach out to me. The investigations team refused to investigate and didnt make contact with me. I have made numerous calls, I have driven back to the hotel and spoken directly with XXXX XXXX who refunded the charges. She explained that this was between me and my bank. She stated that the bank should be able to update the refund with the receipt. Unfortunately chime has not refunded me. My account is still in the negative. I have called daily and emailed daily chime just gives me the run around. I learned that chime is not a bank and that it is a financial technology company. I was unaware until I started looking for solutions to resolve this. I am owed a refund of {$560.00}. I have requested a full provisional credit until the investigation is completed. Each time I am told something different from the previous agent. I need my money so I can keep a XXXX XXXX XXXX XXXX XXXX
01/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NV
  • 89101
Web
Hello, on XX/XX/XXXX I filed a fraud complaint about my card with Chime Bank. There was XXXX of transactions on the account by XXXX XXXX. I submitted all the correct documents for the investigation and received an email that I was receiving provisional credits in the amount of {$6700.00} but only {$5200.00} actually made it in the account. I reached out to them immediately on XX/XX/XXXX, the date the credits got applied and informed them of the error. They did an escalation on the issue and stated I would get the money in 3 business days. A week later still no credits so an email, and a phone call for yet another escalation was sent. Again 3 business days they stated ... again no response in a week. Another call and email and they said that the ticket was done wrong. So again another escalation. You are getting the idea. 8 tickets, 10+ emails, and 20+ chats with online agents and Im still sitting here 7+ weeks later with out the refund or even a simple explanation as to what is going on. Im still missing the {$1500.00} ( roughly ). Now when I try to chat they just close the chat without any response at all. I have 2 tickets that they have that are 4+ Weeks old that are not closed nor have gotten a response despite every agent stating this is NO MORE THAN 3 business days. They will not supply me with the ticket numbers, I get no response in chat or in email. Since then there had been other fraud on my account. In the amount of {$3100.00} that is still unresolved at all.
08/07/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MO
  • 64134
Web
On XX/XX/2021 my chime account was closed. I was told it went against the international policy. On XX/XX/2021 I was told from the escalation team that they would process my check in 14 business days after any pending transactions cleared I just had to verify my address. Then on the night of XX/XX/2021 they emailed me a tracking number. On XX/XX/2021 I checked the tracking and seen that the check was getting delivered to another state and address that I did not verify. I contacted Chime support and XXXX. XXXX told me that they specifically got the address they sent the check to from Chime and the settings was set to where the address could not be changed. A chime representative accused me of changing the address. Then they blamed it on XXXX saying it must have been a problem on their end. Chime offered to cancel the check and send out a new one that would again take 7-10 business days to be shipped out. On XX/XX/2021 I got another email from chime saying that my account was closing when it should have already been closed. So I contacted them about the check and they are saying that they have no information about the check however they can offer a new check but to a different address since all attempts to my address has failed. However they are requiring that I show a picture of hmmm my ID and a picture of my full social security card. Considering of all the sketchy stuff from this company I am not comfortable with sending them a picture of my full social security card.
06/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NE
  • 68105
Web Servicemember
I submitted a fraud claim regarding 63 transactions that occurred in The XXXX ( I live in The U.S.A. ), almost {$850.00} 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 XXXX 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 XXXX year are we in, XXXX? 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.
10/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OK
  • 74105
Web
Incident happened with Chime Bank on XX/XX/2023. I was contacted through their phone number XXXX by someone in their fraud department. He said that my account had been compromised and that they were going to put my account under a 24-48 hour surveillance. He walked through the steps to help me change my password to : XXXX. He called me 2 times through the bank number and sent me several texts through the Chime texting thread. He sent a text telling me it was a fraudulent charge that will drop off, but he wanted to be sure the system was working.The last text says " Glad that was you. The transaction was declined, but you have 1 hour to try this transaction again. '' Later that day I checked my account to verify everything was okay, and money had been transferred from Chime Credit Builder to my Checking acount in 2 transfers of {$1000.00} and {$200.00} ; and then there were 3 transactions to XXXX in the amount of {$200.00} in XXXX XXXX, FL. ( I live in XXXX, OK and am XXXX XXXX XXXX female. ) That is a total of {$610.00} gone from my account without my knowledge. Chime has denied my request 3 times. I have provided screen shots showing that the calls did come from Chime, and of the texts I received from their system. You can see the time I was on the phone coincides with the times the money was transferred and spent. I have filed complaints with XXXX and FBI and now your Bureau. Please contact me with any questions or if you need more information or documentation.
12/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • WV
  • 256XX
Web
On XX/XX/XXXX I called Chime about an account opened in my name that XXXX warned me about. After talking to a support person at Chime that I could barely understand, or hear, and they could not understand much of what I was saying they put a hold on my account because they did not understand the situation. I replied to the e-mail with the information they requested ID card, and what not. At this point they closed my account. " Were sorry to share the news that we have decided to close your Chime XXXX XXXX XXXX Credit Card Account and Chime XXXX XXXX XXXX Account, effective immediately. Your account was closed for the following reason ( s ) : We were unable to verify your identity. At this time, you are not eligible for a refund of any remaining account balance. '' I sent all of the relevant information they asked for that 100 % verifies my identity, and they closed it stating they couldn't. At this point I sent them a support e-mail trying to recover my account. The only information they will give me now is as follows. " Weve determined your account is not in compliance with Chimes internal policies and member agreement executed at enrollment. '' As soon as they closed my account for no reason I changed my direct deposit to go back to my other bank account. Today when I was paid the deposit went to Chime, which is closed. Now they are holding all of my money including direct deposit for no reason, and basically have said I will not be getting my money back.
01/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • OR
  • 97526
Web
XX/XX/2022 - XXXXXXXX XXXX PDT : I got 3 different emails from a Chime ( Also called XXXX XXXX ) claiming that my account was closed due to me being reported as deceased. This is probably in reference to Social Security accidentally claiming me as deceased back in XXXX. The issue was fixed and nothing has come up since then. So I was confused by the fact I was XXXX as deceased. Today, on XX/XX/2022, I contacted Social Security about the issue. They informed me that I am indeed not marked as deceased and I am continuing payment from XXXX. XX/XX/2022 - XXXX XXXX : I contacted Chime bank about this issue. I explained that Im not deceased and have a letter stating so. I told social security what form/letter they needed to reinstate me and they said they have no clue what that is. So Im fearing they are lying to me. They even refuse to pay out what little money I have left in my account. Its government money and social security informed me that they are not allowed to withhold my funding. Due to this, I had to change banks, but there is a lot of damage done. I wont get my money in time to pay bills, Im having constant anxiety attacks and XXXX, I have a XXXX XXXX next week so Im scared. Im at risk of becoming XXXX due to this. Im looking to seek legal action for the XXXX XXXX and the withholding of money, as well as the fact they are putting me and my family at risk of XXXX. They never even attempted to contact me before this. I just want XXXX and this to be fixed.
03/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Problem using the card to withdraw money from an ATM
  • NY
  • 11435
Web
I am writing this complaint regarding dispute number : XXXX for {$440.00} made on XX/XX/2023 ; the ATM did not dispense any cash when I tried to withdraw funds. I called on XX/XX/XXXX to file a dispute regarding the issue. I was given a timeframe of 45 calendar days, however, the dispute was closed on XX/XX/XXXX! I called Chime immediately to discuss the reason why my claim was closed so quickly without a thorough investigation- and the representative couldn't provide me with anything namely as to how this decision was reached. He told me was going to be sending the " documentation via email that the disputes team used to reach their decision within 10 business days ... '' I asked him why would it take 10 business days to send me documentation? And he said because they have to " verify the accuracy of the documents before sending them to me. '' That literally contradicts what he initially said - you don't need 10 business days to verify anything if that was already done ( or should've been done ) to adequately investigate my claim. So, the disputes team literally closed my claim within 24 hours ( by the way I've been using banks for years, I have never had an ATM withdrawal claim closed in 24 hours, it takes weeks to investigate this stuff ). I am positive my claim was denied merely because Chime didn't want to pay it! By law, they are responsible for protecting my account and refunding money that was debited if an ATM malfunctions, for fraudulent transactions, ect.
01/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TN
  • 38128
Web Servicemember
on XX/XX/XXXX there was an email notification alerting that someone had accessed my chime account and a {$900.00} transfer from my bank to chime was pending. Upon noticing I emailed chime placed a dispute and closed my account. Chime begun to alert me that they needed to reopen my account to handle the dispute ( XX/XX/XXXX ). Once the account was opened the fraudulent signee began to draft {$5500.00} to my chime ( XX/XX/XXXX ). After alerting chime they said that I would have to await a response in order to be services. The fraudulent acts were happening in real time and their XXXX hour window was too long and the funds began to get sent to various accounts and XXXX. After noticing chime was not handling this quickly I had to lock my back from chime but keep the chime account open to handle the dispute. Now there are XXXX disputes in due to how the funds were sent fraudulently. XXXX Dispute closed returning back to me {$1800.00}. They declared I could hold onto the money until the dispute closed. The other dispute for {$4500.00} was declined and chime closed my account involuntarily ( XX/XX/XXXX ). Also on the XXXX I was alerted that the team was working on the dispute. Other emails state that my account has violated terms and must be terminated. I have spoken to customer service and always get members who seem to be reading from a script. They have no sense of urgency and have needed to speak to a manager every phone call which in some cases they would not give me.
09/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MI
  • 49009
Web
Chime provided emails XX/XX/2022 Monday, at XXXX stating my accounts were closed without my consent due to Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022, and stated the accounts were not comply with internal policies and/or the member agreement. I disagree with that decision given I have never did any kind of suspicious activity on my account ever. I use this account strictly for my direct deposit from XXXX XXXX, and the company refuses to acknowledge that a mistake was made in closing my account. I am seeing a lot of the same issues with others online stating chime also closed their accounts when they are not also committing any suspicious activity on the account to warrant a sudden closure. I've had several escalated cases submitted to Chime in hopes of a response time given to me of 24 hours. The company continues to ask for me to email a copy of my photo ID to send a check within 30 days however I can not receive a check at the mailing address due to mailbox issues with my complex thats been going on for 3 months. I am extremely upset with how this bank is handling business and a history of shutting down the wrong accounts when looking for activity. I have documents explaining every transaction on my account and deposits. I am not sure why Chime chose to close my account along with several innocent others.
09/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WI
  • 537XX
Web
On the day of XXXX, XXXX, XXXX, I received an email from Chime bank notifying me that my account has been suspended. After complying with numerous requests to verify my identity, two months later I received an email " terminating our relationship ''. Contacting this institution is sysiphissian. The only people with authority to speak on the matter are email only and the last ten emails have been automated response. I have done nothing but comply to their requirements. I was entitled to UEI, which was fine for the first few weeks. Then I received a lump sum for back pay, 12 weeks and this is my current situation. Currently I'm in the XXXX to be married. I left the XXXX of XXXX. Received my last UEI payment XX/XX/XXXX. Have not collected it while overseas. The inconveniences, distress and trouble this situation has caused in my life is immeasurable. I chose post taxed deposits. As - XXXX $ XXXX. XXXX $ XXXX. XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ final payment. Balance at closure XXXX XXXX Any information you need in this matter I will be happy to provide. Thank you for your time. Regards.
10/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • LA
  • 71360
Web
On XXXX XXXX, Chime without Notice nor Explanation stole over {$36000.00} from my Savings account and closed my Account, I immediately contacted them, they continue to give me and my wife the run around via email and phone. I tried explaining to them that I linked a XXXX card to my Chime Account so that I could have access to my account, until my permanent Debit and Credit Builder Card arrives, I'm a tXXXX XXXX and only card I have is the XXXX card I just activated same day ( XX/XX/23 ). They claim, I went against there Direct Deposit Agreement olicy Agreement, because I moved all my money to my Savings, I moved my Money because I didn't want unauthorized merchants or people gaining access to my Chime Account. I've given Chime everything but a XXXX XXXX XXXX XXXX to prove I'm XXXX XXXX, as well XXXX XXXXXXXX Bank Statements and my Boss XXXX XXXX ( XXXX XXXX ) to Verify Wages, Deposits and Employment. Yes I'm reporting theft of my Money, because Locked me out of Access to my Chime Account, and other people Complain Chime has done this to them, As a resolution, I want chime to Refund all of my Money with in 14 days. And I promise to XXXX to never do business with there Financial Establishment again. This has caused confusion in my home and a burden on me, I have Rent, Bills, XXXX children I'm paying Child support for, I've Used Chime over XXXX years, for them to press a button and Wipe all I saved is Wrong Proof I'm the owner of XXXX XXXX card picture submitted
03/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11102
Web
I saw a transaction listed on my Chime checking account that stated I was charged {$1000.00} on Wednesday, XX/XX/2023 at XXXX from merchant 'XXXX XXXX XXXXXXXX XXXX XXXX I never authorized or made this purchase and I do not know what this transaction is. What was worse was that I received a fraud text alert if this transaction was authorized and I tapped NO! I received a following response that this transaction was declined. However, it still showed pending on my account. I contacted Chime the same day, XX/XX/2023 to see if the payment was going to be canceled. A chime representative told me, " since the transaction is still pending I must wait until the payment is either processed and no longer shown as pending to file a dispute or if it indeed does become canceled ''. 2 business days later the transaction was indeed complete and the money taken out of my account. I immediately contacted Chime customer support and filed the dispute. However 3 business days later Chime completed their " investigation '' and denied my dispute. This transaction was fraudulent and I have never given anyone my account details or debit card number or authorized anyone to make a purchase on my behalf. Since learning of this fraudulent transaction I contacted Chime support and deactivated my debit card and received a new card with a new number. I changed my pin and I set up transaction alerts so I will receive a notification on my phone when a purchase has been made on the account.
02/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NC
  • 278XX
Web
Today, on XX/XX/2023, I needed to transfer {$250.00} out of my Chime account to a non-Chime account, then to use at atm so I could access the money to pay a very important bill. I have had issues with card skimming and bank issues previously so I wanted to transfer to protect my Chime account. I used the Pay Anyone feature to send it to my roommate to pay the bill. His card wouldnt verify, so the {$250.00} was refunded. I then tried to then transfer the {$250.00} to one of my old debit cards. I entered my secondary phone number, XXXX and hit send. I did not get a confirmation email or text message showing I sent the money to my number or that I could withdraw the money. Instead, the next page showed it was sent to someone elses account entirely. I immediately tried to contact Chime and dispute it, as well as request the money back from the unknown person. Chime denied it due to it being an instant transfer that I myself initiated. They also said they can not see the number or anything other than a partial name of the other party, and it looks as though the other person who now has my money wont return it. They will not help me get my money, though they said they are escalating for an appeal, but their website terms state they can not do anything. I ended up having to use money I needed for my other bills to pay my electric bill, as well as having to use an atm. Now I dont know how secure my account is or if I will be able to afford my other bills.
07/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 37042
Web
I have been banking with Chime at the start of XXXX. Ever since then I had not ran into any issues until XX/XX/XXXX when I had XXXX $ stolen from me from an unauthorize transaction to XXXX. I was able to call them on my XXXX XXXX at the time but they never responded back to me about the refund in credits. Later in the month of XXXX my Pixel XXXX had been broken and had sent out to be repaired so I haven't had phone service since then and had to connect to customer support via WiFi Calling. I had notified them of the incident and told them of my dire situation. Then on XX/XX/XXXX I contacted Chime about my current balance and if any transactions have occurred on my account since I am unable to login to the app via XXXX lockout. They responded as if nothing was wrong and I had the current weeks paycheck on the checking account. Through a lot and back and forth calling online I was forced to get my old debit card active again to try and access my funds. After failing to get any of my funds out for the next 3 days, I called back Chime to get notified that XXXX $ had been taken from me by an unauthorized transaction to USPS.XXXX. I had filed a dispute once more while on contact with them and they had stated it would take 24hr-48hr to get back to me. They got back to me a few hours later and closed the dispute with no credit given back to me. Then on XX/XX/XXXX, they had closed off my account and credit card thus not having a way to call and respond back to my issues.
01/20/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NJ
  • 076XX
Web
I opened a chime account in XXXX of 2021. I was interested in testing a new type of account. I have a main bank account with XXXX In XXXX my brother sent me {$110.00}. Late XXXX I tried using my chime debit card at a grocery store and was declined repeatedly. I had to use another form of payment and thought this was a fluke. I was contacted by chime apologizing for the decline, my card was active and the money was there for me to use. Early XXXX I ordered take out for my daughter and I, the card worked whew! On the XXXX of XXXX I tried buying groceries again. This time, my card was declined 6 times. The store was packed, I was humiliated. I then submitted a transfer of the remaining funds to be sent to my XXXX XXXX account connected to this chime account ( {$63.00} ). After, I called spoke to a representative and kindly asked for my account to be closed. I explained why and asked if the transfer of my funds would be affected? She assured me it would not. The transfer showed as initiated and will still go through. Today is XXXX XXXXstill no money. I called repeatedly to try and get this resolved and each time I explain and ask for a manger the phone mysteriously disconnects. I have emailed as well and I response. I then went on line an discovered so many complaints against chime where peoples funds have not been returned after calls, emails etc. many owed way more money than me. I want my money and consumers need to be protected from chime scammers
08/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NC
  • 27265
Web
I opened a chime account and the following month i had my XXXX ssdi check auto deposited to it. Then 6 days later I went to pay my bills and a pop up screen informed me the account was closed. Chime refuses to speak with me on the phone as well as through social media. In fact they blocked me. They sent me a check about 30 days later for XXXX something i believe it was but it was not the correct amount and they did not enclose any type of explanation with the funds. When i was emailing them at first they said they closed my account and do not have to tell me why ( pretty crooked tradeoff just to get a back door into the finances of American citizens so way to go U.S. government ) the only thing that even makes sense to possibly be a reason I had their rep on the phone walking me through what all to try so that's dead wrong but moving on ... Then after I received that check I had XXXX to XXXX in returns that were sent to that card. The returns happened after I received the check and they were from XXXX, XXXX, and XXXX ( these are the ones I recall but that isnt all of them ). Not to mention i informed them i needed to dispute a couple charges that were on there to begin with. So im owed a good bit of money and they've stopped responding and or blocked me. If they do respond all they say is they're passing my case to a supervisor and no one fixes this or responds back again. This happens over and over and over. I want my money and a balance explanation with it.
12/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NJ
  • 07013
Web
XX/XX/XXXX The IRS sent {$1700.00} via electronic deposit to my *Chime Bank account. This payment has still not been received to date. *Chime is a subsidiary of Stride Bank XXXX XXXX XXXX XXXX XXXX The IRS ran a trace of the payment to ensure that it was sent to the proper place. This trace took over 90 days to complete. The IRS confirmed that the payment was made and successfully received by Chime. XX/XX/XXXX A second payment, for {$1200.00}, is deposited by the IRS successfully, without any updates in my payment information. Chime goes on to later claim this is the original missing payment in question, despite the {$500.00} difference. After this point Chime representatives told me I must have an IRS agent call them directly by phone for any further any action or investigation to take place. I have been told on multiple occasions that, to my surprise, IRS representatives did, in fact, reach out to Chime to discuss the matter. Chime Bank, however, has not responded. XXXX I have filled 2 consumer complaints. Chime responded both times saying they received a payment from the IRS for {$1200.00} XXXX XXXX XXXX The go on to claim no further action is needed. Both the successful payment and the missing payment in question were Economic Impact Payments. They are otherwise completely unrelated. A second transaction from the same sender, 5 months after the initial deposit, does not resolve the any issue regarding the original transaction.
01/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • NY
  • 11229
Web
On Thursday, XX/XX/2021, I made a dispute of XXXX they made a mistake that chime try to say that they gave me my XXXX back they found out it was an error they had emailed me and they said I won the case. in order them to give me my money back they said they gave to me it back XX/XX/XXXX which is not true it would have been in the bank statement I would had had more than XXXX or it would have taken out of my account it would have stated that on my bank statement and app. Chime try to give me a provisional credit of XXXX when my account was XXXX when they put it XXXX. I ask them why is XXXX they said that they gave me a provisional credit of XXXX and my account will be back to XXXX back. and that never happen they gave me an excuse. I explain to them that in XXXX world remit gave me my refund and they took it back again the keep giving it to me and keep taking it back. now they said that I was able to lose my money because I made a transfer XXXX and gave the transfer to friends which I told them it was not me I was a scam that when I close off my card. The dispute department did that to me. XXXX gave them arn number for them to trace the money where they can trace my money that worldremit put back to my account they refuse to do it. The dispute department instead they took down the information and I dispute and won the case again and still refuse to give me back my money. Chime the dispute department refuse to check my balance to see what I was talking about.
09/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AL
  • 36869
Web Servicemember
Chime bank denied my dispute. I want proof of how they can deny me, IT WASNT ME. I had 2 transactions ( ATM withdrawals ) come out on XX/XX/2021. One was at XXXX XXXX in the amount of {$400.00}, the other was at XXXX XXXX, in the amount of {$43.00}. I didnt realize my card was missing, but my phone was missing from work on the night of the XXXX. I never thought about my card. On the afternoon of the XXXX of XXXX, my phone appeared back at work, but had been completely reset. Still had not noticed my missing card. Didnt need it. I thought it was strange about my phone, but was happy to have her back. Well on the XXXX I went to get gas, realized my card was missing. But, I tried to use XXXX XXXX ( connected to my chime card ), and it denied me for insufficient funds. Thats when I looked at my account and realized. {$440.00} missing. I immediately made the dispute, and turned in letter that night. Well, today, day 10 provisional credit day, and they deny me. I am losing everything because of this, power, rent, and theres no way they can stand behind their findings, because it was not me that took that money. Someone stole my phone and had fun. They will not really talk to me or give me a good reason for denying me. Wont let me talk to a superior. How can they deny me? I have a police report now, as well. Because there have been numerous cards opened fraudulently in my name as well. Please help me. My email is XXXX. XXXX is my first name. Thank you in advance.
10/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 752XX
Web Servicemember
XXXX unauthorized transactions were made using my debit card totaling a significant XXXX. The first XXXX were made on XX/XX/2022 in the amount of XXXX for a " XXXX XXXX '' and XXXX for " XXXX XXXX XXXX ''. The XXXX transaction was XX/XX/2022 for XXXX. My phone was stolen and either my card cloned or numbers used. I contacted Chime Bank about this. The disputes were closed in less than XXXX XXXX which isn't sufficient time to investigate XXXX transaction claims. I supplied supporting documents like the police report I filed. My identity was XXXX in XXXX and I had to file a police report due to this and freeze my credit file. They believe these XXXX transactions are also related to my identity theft and police are investigating this crime. Chime didn't review sufficiently my documents I sent and just denied all XXXX unauthorized transactions- without proper investigation. They also misquoted what I said in the dispute- I said someone had access to my numbers but not the card via my stolen cell phone. They never provided me a proper denial letter which is required under regulation XXXX I need provisional credit while a proper investigation is conducted. They just denied it without any investigation and I will seek legal action if it's not dealt with properly. I'm a XXXX XXXX loyal Chime customer and so disappointed. Please help me resolve this or it will go to court as Chime isn't following correct business practices for denial letters under regulation XXXX.
08/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30040
Web
On XX/XX/XXXX, a charge was posted to my account in the amount of {$49.00} from a company that I had previously done business with. The charge was not authorized as the subscription with this company was cancelled back in XXXX. I tried to resolve the issue with the vendor, to no avail. I then contacted Chime to dispute the transaction. The initial dispute was denied a few days later with no explanation given. The following day, I received an email from the vendor stating that they would be refunding the {$49.00} and that the refund was sent to Chime on XX/XX/XXXX. By XX/XX/XXXX, I had no yet received the refund and contacted Chime. I was advised that since the refund was not yet sent to the bank, that they could reopen the dispute and receive a provisional credit. I was advised to send the evidence from the vendor showing that I was promised a refund ; I forwarded the email chain showing the promise of a refund between myself and the vendor to Chime on XX/XX/XXXX. I received notification 1 day later from Chime stating the the claim was yet again denied, with no explanation. There was also no investigation into the dispute. I called Chime yet again on XX/XX/XXXX to reopen the dispute a 3rd time, since it was now 5 business days from the date I was promised a refund. I was told that they would reopen the claim but that no provisional credit would be issued, due to the type of transaction, and that I would have to wait for the full 90 days for this credit.
12/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • OH
  • 45417
Web
On XX/XX/2023 I sent my daughter XXXX dollars. Chime advertised that you don't have to have an account to receive money. When my daughter tried to add the money to her bank card she was denied access to the funds. She then send a text message to chime letting them know what problem she was having and was told that she would need to open an account in order to receive the funds. I she did not want to share her information with them. And they said they would send my money back to my account immediately. It never happened. So I called a chime number off the internet and explained what was going on. They said they could help me get my money back on XX/XX/2023. The person asked me to verify my information and amount of the transaction. And I told them. This person. They then proceeded to transfer my money from whereever it was held back to my account. Within minutes I saw them transfer money back to my account and then transfer my money from my account to XXXX XXXX XXXX account. I ask what they were doing and why did them send my XXXX dollars to that account. I got hung up on for the rest of the night. I then tried to file a complaint and ask for a refund and they told me they would investigate and that I was eligible for a refund only to send me a message in 2 days saying they investigated my complaint and they would not be giving me a refund and they would close the case and sent me paperwork of there findings. They said they did not find anything wrong.
08/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • NY
  • 117XX
Web Older American
On XX/XX/XXXXXXXX an agent from XXXX XXXX mistakenly overcharged my Chime account in the amount of {$260.00}. I requested that my account be debited {$130.00}. I immediately caught the error and call the cable company. I spoke with XXXX who told me to get in touch with Chime and dispute the error. I did this and Chime opened a dispute in the amount of {$260.00}, dispute number XXXX. On Saturday XX/XX/XXXX I was given a provisional credit of {$130.00}. On XX/XX/XXXX i contact the Chime dispute department requesting to know where the remainder of my money was ; Initially I spoke with XXXX who identified himself as a supervisor, he transferred me to XXXX in the disputes department, who told me the remaining money, of {$130.00} was paid to XXXX. No such payment was made, as verified by XXXX XXXX XXXX XXXX XXXX senior level management. From XXXX, I was transferred to XXXX, also claiming to be a supervisor in client disputes ; again I was told the money was forwarded to XXXX. I was forwarded a bank statement that they insisted had the missing money paid to XXXX. No such payment was made.I was transferred to Eme also stating she was a supervisor, I asked the same questions, she assured me my remaining balance of {$130.00}. Was paid to XXXX. I was then transferred back to XXXX, who could only say the investigation was not not concluded. I am a senior citizen and I need my money to take care of my responsibilities. I need your assistance in getting my money
09/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MI
  • 48227
Web Servicemember
XXXX Overdraft fee for a fraudulent charge. I contacted Chime they stated that the charges were valid. I expressed that these are not the charges I swiped my card for. Several months had passed, XX/XX/XXXX, I get an email stated that XXXXXXXX XXXX XXXXl had refunded the charges due to fraud. Chime refused to update my credit report for charges that they approved. XXXX sent them a check for the entire balance and Chime will not update my credit report or reopening my credit-builder account. Now, months later on XX/XX/XXXX, A deposit from the Small Business Association attempted to deposit my loan for my small business but however, Chime declined the deposit. After denying the deposit 2 months later without an email, a text, or phone call, my account was closed and I am still unable to access my funds. On XX/XX/XXXX my account was closed with no communication of how to gain access to my funds. The only way I knew that my account was closed is on payday XX/XX/XXXX I attempted to pay my rent and my card kept declining. I attempted to log in to the app and it stated that I will have to contact XXXX to get access to your account again. It has been well over the 24 hours the email stated once I contacted the company via the email address. At this point, I will never use chime again. I will be filing some type of charges against them. I don't have any food or gas money. I had money in my account on top of my paycheck and my savings account. This is a thief.
08/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 93304
Web
On Sunday XX/XX/23, I noticed while I was in the mall a transaction in my Chime checking account, I did not make to XXXX cable company for the amount of {$500.00}, I called XXXX about this transaction, but they told me that the only transaction they see on their side was for {$130.00} on XX/XX/23 I made previous day. XXXX does not have records of any transaction for the amount of {$500.00}. When I called Chime support to dispute that fraud transaction, they asked me to submit any documentation and I submitted the bank statements where only shows that on transaction for {$130.00}. They told me that in 10 days, if approve, I will get a credit and then it would take up to 90 days but then my dispute was denied again and I called them back in XXXX and they reopen the dispute, again they said I needed to wait and I requested by email the documentation they have for the reason that was denied but they never responded and send any such documentation. I called again today XX/XX/23 and again was denied for the third time and they told me the same thing about reopening the case and I have to wait up to 90 days. I told them this time I will report and get an attorney if it gets deny again. They have not even tried a backcharge or anything and I believe that there is no investigation team in Chime or anyone investigating because they could not transfer me to that department or provide information of who was handling my case. I need this money and help please.
11/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • PA
  • 151XX
Web
On XX/XX/2023, I transferred via XXXX transaction {$900.00} from my personal checking account with XXXX Bank to my online Chime account. For some reason, Chime placed my account in security status and requested several documents from me to prove the validity of the deposit. Over the course of the next XXXX weeks, I called them several times and provided the documents requested on numerous occasions, yet they refused to release the funds or return them to my checking account. Eventually, I became tired of the XXXX. they were putting me through so I called my personal bank to dispute the XXXX transaction. XXXX refunded me the {$900.00} and as soon as it was credited back to my account I immediately called and emailed Chime to request they close my account, as per their policy for closing an account. It has now been an additional XXXX ( XXXX ) weeks and they still have not closed my account. As a matter of fact, every time I call or send an email, they are still asking me for the documentation they asked me for a month ago. I am totally at my wits end and feel like Chime is deliberately neglecting to honor my request. I have spent over {$100.00} on international calling fees and now have to call all of the credit bureaus to ensure Chime hasn't abused my personal data because I utterly do not trust them. I want my account closed and I do not understand why Chime won't even adhere to their own published policy of closing an account upon request.
08/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 947XX
Web
On XX/XX/2023 I paid {$200.00} for a rental car through the same person I rented my XXXX with in XXXX XXXX When I picked up the car I verbally communicated with the merchant about the warning lights being on the dashboard. ( tire pressure, battery, etc.. ) The merchant stated the car was fine to use. It was unsafe and did not run properly. ( This was also not the original car I requested and confirmed to rent ) I could not drive the car as needed and the car eventually broke down on me and my XXXX XXXX XXXX daughter while driving. Leaving me and my daughter stuck in the middle of nowhere for a couple of hours. I communicated with the merchant about the car breaking down right away and asked for them to accommodate me with another vehicle or refund. The merchant did not accommodate me. The merchant said it was the car battery and offered me the same unsafe car. When I returned home I disputed the {$200.00} charge XX/XX/2023. I sent in screenshots of me messaging the merchant about breaking down as well as screenshots showing the car dashboard ( warning lights on to show the vehicle was not safe ). Chime denied my dispute. I have been requesting documents as to why the dispute was denied and I have been reopening the dispute for them to return my {$200.00}. They have denied it repeatedly. I feel as a loyal customer with Chime for a few years and the situation involving the car breaking down I should be refunded. Its just the right thing to do.
11/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 85044
Web Servicemember
A merchant charged my chime account XXXX times without my authorization. I disputed the transactions with chime and explained to them that these charges were unauthorized. I explained to them that section XXXX of regulation E states that I have XXXX liability for unauthorized charges. I sent them a copy of their own policy that states the same thing.I also explained to them that by then denying my disputes they are by default, accusing me of fraud by saying I am lying and not approving these disputes. I have filed this dispute 6 times. Their denial says no error occurred. Which would mean that I am lying. I am am not lying and their written excuses make no sense. Like a deposit was made prior to transactions taking place. Im pretty sure any transaction with a debit card require a deposit prior at some point in order for the transaction to take place. And many more just as stupid responses.there are XXXX transactions totaling {$100.00}. The same merchant charged multiple accounts of mine at the same time with other institutions and every single transaction was disputed and approved by all of them. Except for chime. They are clearly ignoring the laws and regulations of the United States. My guess is they are still collecting the money from the FDIC insurance that covers these transactions while denying the customers. They are the ones committing fraud Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2022 Claim Total : {$100.00}
09/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • XXXXX
Web Servicemember
I lost my debit card on or before XX/XX/. I reported my card lost/stollen when I returned home from my XXXX XXXX. reviewing my online account, finding unauthorized transactions, I notified Chime immediately of the loss of monies. The total amounting in XXXX, which XXXX of that amount was a cash atm withdrawal which should have been returned immediately under Regulation E. After contacting Chime multiple times, I was not given any contact information, case information on the claim or resolution. I explained it was a lost/stollen card and all transactions that were completed while the card was not in my possession should be returned immediately. Chime failed to return my money and kept filing this issue as a merchant dispute rather than a fraudulent unauthorized charge. Chime never investigated and closed my claim several times with no resolve and no monies returned. I contacted FDIC which responded with information on XXXX who oversees XXXX and XXXX. In closing I would like to include a conversation which took place over the phone with someone who described themselves as a representative to the their dispute team and told me I would receive and see those charges returned in my account with in minutes, and it never happened. When I called the next day to check on the status of this conversation, the chime employees said that there was no notes or knowledge of the person I spoke too. Attached documents shows Chime would return the money by XX/XX/.
09/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 77019
Web
On XX/XX/XXXX I purchase products from the company XXXX XXXX XXXX and it was a duplicate charge to my account. On XX/XX/XXXX XXXX XXXX XXXX returned one of the charges back to me. I was due to receive my purchase on the XXXX of XX/XX/XXXX. My items were detained by customs, I have that verified through both XXXX and the merchant. I filed a dispute with my bank, Chime XXXX XXXX XXXX and the representative who started my claim filed the wrong dispute and chime approved it stating the merchant has already returned funds. Unfortunately I had to file another dispute, and when I did, chime once again approved my dispute stating the merchant returned my funds. They are all looking at the same return from the merchant on XX/XX/XXXX. Instead of them returning my funds to my account, they continuously give me the run around and promise me contact within 24/48 hours from an investigation team. After a month of me fighting for my money, I demanded answers. A few representatives did agree that there was an error made. I asked to submit a rebuttal but no one has gotten back to me. No communication no email correspondence or anything of that nature has occurred. This has caused a strain on my finances because during the time, my car was messed up and those funds would have covered my repairs and expenses and because I could not. I was unable to start my new job because of this lack of effort. Now I am not working and my account is in the negative by {$1.00}
12/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • FL
  • 32839
Web
On XX/XX/2022 I was issued a refund of XXXX to my bank card, and was told I should receive it within 10 business days. Within those 10 business days I received a text someone made a transaction with my bank card, it asked if I authorized the transaction and I replied No, Chime still let the transaction go through so I called them complaining and the agent said he would replace my card but failed to let me know it would affect any processing refunds, so I eventually contacted XXXX because I was wondering why I havent received my refund which was on XX/XX/2022. They informed me the refund failed and I asked is it possible because my card number changed and they said yes so I would have to have chime refund me instead because they cant refund a card the item wasnt purchased with, so I contacted chime immediately and was told they have to dispute it and they cant immediately refund me but was told by 2 supervisors from Chime that I would receive a temporary credit by the 10th business day, I even have an email from chime stating on XX/XX/2022 my account would be credited, I called them today and now theyre saying disregard the email, I have to wait for the fraud department to finish investigating but Ive submitted all the screenshot between XXXX supervisor chatting, also the emails from XXXX confirming the refund but and I have multiple emails from chime saying Ill receive temporary credit by the 10th business day and now theyre saying they cant.
12/07/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NJ
  • 07753
Web
During a move to a new apartment I had recently had my wallet stolen and had to disable and request new cards. Chime ( XXXX XXXX ) sent me a new card that said to log into the app to activate. When I attempted to log into my app the message I received was that the account was closed or suspended. I had assumed at that point that I would just need to reach out to customer service and have them reset my app, or have me create a new account log in. However, there is no live customer service person to speak with, so the only option is contact through emails. I have had emails sent to them since XX/XX/XXXX regarding my concerns, and that I NEED my money that was being direct deposited into that account. I got multiple responses from multiple different people saying they were willing to help me with my account if I could send documents such as my license and social security card for verification, which I expressed many times already was taken with my wallet, and I need another way to prove ID if that's the case. It has been over a week now that I have had no access to my money, and no real resolution. If they are planning to mail me a check I would need my statement and change of address updated. Otherwise I have requested they transfer my funds to the bank account I have linked. Regardless its unethical to close someones account and give them no way to speak with anyone to resolve the issue, or refund your money in some other time efficient way.
06/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CO
  • 802XX
Web Servicemember
My name is XXXX XXXX I was thinking this time and my son wrote a negative letter to the bank and they closed my account for it which I told he understand but since they close by account they told me that it would take anywhere from 3 to 5 business days for them to send me the balance in my account when they close my account they sent me for the balance of my account was a bad check so it wouldn't cash so I called him back again and I told him that your check was bad and they said that they would expedite me another check so I can have it down to my account since my account was closed well since then I've had no contact with time and they keep sending me letters saying that I'm if I keep sending them negative letters time at all I have no contact with them they close my account I have no reason to talk to him so I haven't talked to him so I don't know where they're coming up with the negative letters whatever I've been waiting over a month for my check now you know and they're still not sending me my money in my account my account 's been closed for over a month but they won't send me my money they can send me the emails we'll close your accounts already closed it's been close for a month and I'm waiting for them to send me my money all my money. I actually put down the wrong phone number it's XXXX that's my phone number the phone number I have listed on here was incorrect but that's that's my correct number now XXXX that's my current number
01/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NY
  • 11219
Web
I had my identity stolen during the first week of XXXX. The thieves stole {$16000.00} from my XXXX XXXX and then transferred the money into a Chime Account that they opened under my name. In an effort to do my due diligence I called Chime to close the account and asked them to send a check for the balance within that account. I reached out to Chime in XX/XX/XXXX of XXXX. They asked me to submit the last XXXX digits of my social security, my state ID, a picture of me holding a paper with the current date and my state ID. I also talked to customer service multiple times to resolve the issue but the way customer service is set up at Chime, basically I was led around in circles every single time. Each time I was promised contact with a higher up team that was not reachable via phone that would resolve the issue. But such a team never reached out. Finally in XXXX, I threatened with filing a complaint with the Federal trade commission and litigation and thats when did they reach out. They asked me to send in the same documents again along with an Affadavit of Identity theft. I submitted said documents XXXX times, but still Chime has yet to resolve the issue. They are refusing to send a check for my closed account, and making the process of getting said check unreasonably confusing. I have provided multiple documents proving my identity, and Im still being led in circles. The money is no small amount either - its my life savings. Please help.
06/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 44125
Web
My girlfriends nephew who's XXXX years old had came over for the weekend and stole me and wife 's card info. He made several purchases for XXXX using several of our cards. We noticed several transactions that looked like they were sent to some company in XXXX. I tried to contact Chime bank to let them know the transactions were unauthorized the date they took place XX/XX/XXXX. They still let the transactions go through and then there were several made after I informed them of other transactions. I never made the transactions or received any goods or services. My claim was denied and I was told because the same ip address was used. I tried to dispute again and sent in paperwork I also contacted merchant where funds were sent and was told they're unable to issue refunds but the person who's account the funds were sent to was shut down due to fraud. They gave me a case number to submit to person working on my case but chime said there isn't a way for us to speak to complaint department. The date I notified bank of unauthorized transactions was XX/XX/XXXX. The bank asked me to complete written fraud report and still denied my claim.The bank didnt ask me to file police report or handle with merchant. The transactions were as follows : XXXX XXXX {$100.00} XX/XX/XXXX. XXXX host XXXX {$210.00}. XXXX host XXXX {$210.00}. XXXX host XXXX {$280.00}. XXXX host XXXX {$350.00}. XXXX {$59.00}. XXXX.eu {$49.00}. The total of the transactions was XXXX.
05/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 936XX
Web
XXXX {$40000.00} into my Chime checking account from XXXX XXXX XX/XX/23 {$14000.00} posted to Chime checking account Updated balance {$44000.00} XX/XX/23 Chime put hold on my account ( Temporary security restriction ) Chime requested : -gov. ID -proof of address ( I sent in documentation ) XX/XX/23 Chime regenerated document request link after I called them because they said they didn't receive what I recently sent them. Chime sent regenerated link - sent documents again XX/XX/23 I emailed Chime a complaint XX/XX/23 Chime sent another link -DOCUMENTS SENT XX/XX/23 CHIME LINK -DOCS SENT XX/XX/23 I sent Chime complaint email - Chime sent automated response -ID -proof address Also sent XXXX bank email XX/XX/23 Chime requested again ID, secondary ID ( social security card ), self portrait holding ID and paper with my name and date on it ) and address bill - I sent documents XX/XX/23 XXXX Chime automated responses XX/XX/23 Chime requested documents again XX/XX/23 emailed Chime complaint letter XXXX XXXX sent documents to Chime again XX/XX/23 emailed Chime compmaint and documents XX/XX/23 sent XXXX Bank documents and complaint Than XXXX responds with requesting documents proof of {$54000.00} XXXX wants proof of the funds XXXX onto XXXX for game play and winnings into Chime but what they don't understand is that there are several different payment methods to upload money onto XXXX. I used XXXX and another bank funding source to upload money.
08/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 90033
Web
Hello, I have an issue with some unauthorized transactions that occurred on mu chime account that i did not authorize and followed chimes policy on how to report these unauthorized transactions when they occurred yet they never helped me recovered my funds. Each time I submitted a claim a day or 2 later they would deny them. Which i felt was not enough time to investigate fully these transactions. I had given up on trying to recover my funds because i felt powerless against them but after adding the transactions, its came up to a pretty hefty amount for me just to let go. Ive had issues with this merchant before and ive advided chime about it so i dont understand why they let the transactions go through and why they dont help on recovering my funds. I clearly sent them an email of someone logging into my account again somewhere in XXXX XXXX Ca which is nowhere near where i reside in XXXX XXXX ca. Can you please help recover my funds please? The reason they gave me when denying my claims was that it shows that i had done business with the merchant before which i totally false because every transaction to that merchant i have submitted a claim for and they always deny it so they are just being unfair and wrong. The following are the transactions in question. Thank you All for the merchant chaturbill- XX/XX/XXXX {$49.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$19.00}
11/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 240XX
Web
A car was purchased on XX/XX/XXXX. The dealer, XXXX XXXX XXXX, made several misrepresentations during the sale of the car. Hence, the dealer committed fraud and the vehicle was not fit or safe for driving. Further, when attempting to locate the vehicle in the Virginia XXXX system, a VIN for that vehicle was not able to be located which leads me to believe that this car was mean to be " junked '' or for salvage. Nevertheless, this information was not disclosed at the time of sale nor did the dealer complete the proper paperwork to title the vehicle in my name upon satisfaction of the loan. I disputed several transactions related to the sale of the car. First transaction was for {$100.00} to hold the car on XX/XX/XXXX ; the second was a down payment of {$3400.00} ; and the third was {$120.00} to extend the service contract on the vehicle. Due to the fraud that has been committed the contract is void and I have requested a refund from the dealer, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX. XXXX Chime. None of which has honored my request even though my card is insured by XXXX to prevent events like this from occurring and providing a valid dispute resolution process. I am now appealing to the CFPB. I wish to retain all my legal right to peruse what other remedies may be applicable under the law. I nearly lost my life several times driving this car especially when the brakes failed, and the lives of my children were put at risk.
10/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • MI
  • 48390
Web
On XXXX received an email from Chime that says I have an account with them and explaining their services. I sent them an email to their customer service ( or lack of service ) the same day telling them I did not open an account or authorize anyone to open an account in my name. I asked them to contact me as to how they got my name to open an account. I would not provide my name or contact information as I suspected fraud and didn't want to provide any personal information on than the email address which received the email. Their customer service is supposed to be open 24/7 according to their website. To date I have not received a response. If you call their phone number, the only option you have is to email their customer service. You can not speak to a person. A few days later I received a Visa debit card from them which I had not requested. As I had not requested an account much less a debit card and have my credit monitored, I can only assume the company is engaging in fraud opening cards in people 's names without their consent similar to XXXX XXXX a few years ago. This company needs to be fully investigated if not shut down. This is as serious as the XXXX XXXX issue if not more so. With the amount of fraud going on in this world this is very dangerous sending debit cards in the mail without any request from the recipient. The company operates without regard to the safety or finances of those who have no interest in their products.
03/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • GA
  • XXXXX
Web
My name is XXXX XXXX, and I had referred a co-worker to chime, and she has had her 1st intial deposit. However, when she was setting up the account the representative advised her to chat back with Chime to add the refer to her account, and we would receive our refer bonus. Her name is XXXX XXXX, and she chatted with Chime today ; however, she was advised that we are unable to get the refer since she did not use my link. However, agent asked for my name & email address to my account. I called Chime, spoke with an agent who was rude & kept saying the same thing over & over again about I can not get my refer bonus, but he would note the account about my complaint, and send my complaint the escalation department. I asked to speak with a supervisor, and the agent is going to say well the supervisor is going to tell you the same thing. Supervisor was even more rude, refused to give me someone higher than her, stated she is the highest person at Chime, nobody at Chime speak English, and she does not care I file a complaint against Chime because she is the highest person. I am very upset right now to the point to where I want to close my account with Chime because to this customer service I just received. I would like to hear from someone in regards to matter ASAP. Then I have the conservation recorded from today as well if someone would like to listen to hear how awful this customer service was from the agent & supervisor. Thanks XXXX XXXX
03/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WI
  • 54449
Web
I am banking with Chime online bank. Someone got into my online banking app at the end of XXXX and they made a transaction for XXXX at the USPS PO in XXXX XXXX, Florida. The bank did credit back that money on XX/XX/XXXX. The bank was supposed to have that merchant blocked at the beginning of XXXX but they did not have them blocked. When I gotten paid at the end of XXXX someone broke into my account after I received my XXXX deposit and I paid my bills other than my rent. The only reason I couldnt pay my rent was because I couldnt make it to the ATM machine because of the severe weather and police advisories. I filed a complaint the same day that I seen the unauthorized transaction on my account and they had to wait 3 days for the transaction to be processed. So after that happened I filed the dispute against the transaction made. I also filed a police report and the report number isXXXX. The officers name was XXXX XXXX. I am on the 4th rebuttal now and the bank refuses to give me my money back. I have sent them all I can and am doing all I can. I have my rent that has to be paid for XXXX. Now XXXX is due and I dont have the money to pay 2 rent payments. The bank should of not let this happen because they were supposed to have this blocked. I dont know what else to do I would never make this kind of charge to a company like that and I have never been in these states so I hope that this will help me get out of this situation. Thank you.
07/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 960XX
Web
I have a checking account with the debit card and a secured credit card with chime Financial Bank. On XX/XX/2022 there was an authorized transaction XXXX of them the first one was for {$100.00} the second one was for {$200.00} it was done through XXXX my account was hacked and someone used my secured credit card to buy {$300.00} in cryptocurrency. I filed a dispute with chime Bank as well as contacted several times XXXX. chime Bank said they did an investigation and they denied me my money back. I have had several conversations with them they contacted XXXX which XXXX stated that I went to New York opened an account and used my own card to buy {$300.00} in cryptocurrency. I live in California I have never been to the state of New York in my entire life. I stated this with them I filed a complaint with the Federal Trade Commission I filled out a report with identitystep.gov all of which I've sent the documentation to chime Bank. The response continues to be denying me my funds back. XXXX will not even respond to my emails. And I have no way to contact them by phone. This is the second time that my chime bank account was hacked into at the first time was XX/XX/2022 of which somebody did XXXX transactions through XXXX bill pay in my name on my card and drained my account of every bit of money that I had that time time returned all of my money except for XXXX transaction I was denied XXXX transaction. This time I have recovered nothing.
09/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MS
  • 39212
Web
On XX/XX/2023 I got my work check deposited into my Chime account in the amount of {$480.00}. I was planning to save my money for a car so I put {$300.00} in my Chime savings account after transferring {$100.00} to my XXXX. On that same night they closed my Savings account and my checking account. Afterwards Chime emailed me that they had agreed to close my account for going against deposit guidelines but would refund me any money I had left on the account balance. I reached out to the chime support services via phone and they said I had to send in documents ( They didn't specify what documents until a month after ) which I did. They stated that my Deposit went against their guidelines and they can't refund me my money which isn't true. I responded If Chime knew my deposit went against their guidelines why would they accept it in the first place, that's sketchy. I've been fighting for my money for over 5 months and still at step 1. I stated to my family lawyer that I was struggling financially due to Chime snatching my money and closing my account. I've even sent my check stubs as proof and they still have a hold on my funds. I've heard others having the same problem but never took it to heed until it happened to me. Now I'm in distraught and disbelief that a company would even do this to someone who was already suffering financially at that time. My lawyer advised me to report it to CFPB before going any further with a legal team.
10/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 92821
Web
On XX/XX/2023 Funds were taken out of my checking account without my consent. I am currently in XXXX. I have been here since XX/XX/2023 and do not return until XX/XX/2023. This is information I provided chime and information I provided proof of. Funds were taken out and put into a " XXXX XXXX '' account. I DO NOT have a XXXX account. XXXX is not even allowed to be used where I am located currently, in XXXX. I reported these charges RIGHT AWAY to Chime and literally in less than a few hours after reporting they denied my claim. I then had to report this again and provide more information and told them these charges were COMPLETELY UNAUTHORIZED, THEY ARE FRAUD. I DO NOT have my debit card with me. I am in a location where it would literally be impossible to make transactions such as these. When I reported it again, they sent a confirmation email saying they're investigating and temporary funds would be added to my account by XX/XX/XXXX. Then right after receiving that email, within a few hours of reporting AGAIN, they denied the claim. They are not taking into account any of the information I'm providing. I even offered to sign a statement that states that these transactions were not done by me. I provided proof of me being in XXXX and can provide even more proof if needed. I need my funds back ASAP. They are absolutely not doing ANY sort of investigation and just blindly denying my claim despite overwhelming evidence in my favor.
12/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NC
  • 27288
Web
On XX/XX/XXXX at XXXXXXXX XXXX while I was asleep hacked into my chime account ( not been made clear how this was possible ). Then made a transfer of {$3200.00} from my savings to my checking account and then transferred {$3200.00} into another users account using the pay friends feature that user is XXXX. Once I found out I had been hacked around XXXX the same day I changed my account information completely and I attempted to contact and dispute the charge and they denied it instantly every attempt to call is met with the same rehearsed lines of we understand and our investigations team is working on it. Im honestly not sure as to how my account could have been hacked as Ive been a member of chime for a bit over a year and nothing like this has ever happened before. I have a text that I received the next morning that my number was changed on the account to a number that Ive never seen before and when I sent that to them they said it was not sufficient. I will upload that screenshot as well as other screenshots of the transactions and the user. I just would like to get my money back I worked really hard to save it up. The customer service team at chime was nice overall but not very helpful and didnt offer me much peace of mind that I would be getting my money back. My account was compromised and I think they are under the impression that I made a purchase. Any assistance with my issue you could provide will be greatly appreciated
04/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • GA
  • 30083
Web
Chime Bank is falsely closing your debit card after reporting a possible unidentified charge to them. For instance : I didn't recognized a charge to my account and wasn't sure if it was authorized. So, I reached out to Chime to report the charge, however during the conversation, I decided I would do research on the charge and call them back if needed. The reason being is because Chime disables your account when waiting for a new card. You are unable to use your funds unless you can transfer your money to someone with Chime. They do not overnight the card, so it takes anywhere from 5-7 days because of standard mailing. During this time you are without your funds with no access. Based on these reasons, I requested my debit card not to be closed and TO NOT DISPUTE THE CHARGE. Two hours later, I received a email stating that my card has been disable due to a dispute claim that I DID NOT FILE. Now I will not have access to my funds at ALL, this policy is illegal. I am asking that a representative look into this DISPUTE POLICY of CHIME for correction. There is many complaints of the same issue listed on the XXXX of XXXX XXXX, however that are not a member of the XXXX. I will be changing from doing business with them but felt it was important to report this to prevent them from continuing this unfair practice. Even, if you tell them " NO '' they are still closing your debit card and keeping your money from you for several days or more.
12/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 19145
Web
On XXXX XXXX there was a small unauthorized transaction of {$11.00}. I contacted chime and was able to receive help from a kind representative after a few attempts. She issued me a new card through the mail which would take 7-10 business days. She then issued me a temporary digital card to make any necessary payments and filed a dispute ( case ID XXXX ). I spent {$110.00} on a website of my liking that same day. Later on that day following the next XXXX, there were four unauthorized transactions still being made. I didnt have my XXXX card yet. I couldnt file a dispute just yet because the status was pending. I was then able to file a dispute rebuttal. My account was being used up until XX/XX/2023. An agent was able to review my dispute report with me and we concluded an amount error of {$810.00}. The agent CORRECTED the amount for me to {$700.00} and gave me a new case number ( case ID XXXX ) and left a medical note on my case. The {$110.00} was taken off my report. She saw that the merchants had to CREDIT my account previously and, said that my name & account shouldnt be in their system in the first place. I am unable to file a proper police report. Less than XXXX hours, chime denied my corrected rebuttal and sent a document with an ERROR. It says {$810.00} which is incorrect. I was unable to get to work and travel to/from the hospital that my family is still in because of this error. Please fix this and return my stolen funds.
12/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33010
Web
On Monday XX/XX/2022 I received my federal tax refund of {$7300.00} I used my card in a couple of merchants and on Wednesday XX/XX/2022 there was a deduction from my account for {$5300.00} from a bank called XXXX. I do not have a bank with this entity nor have I ever banked with them. I reported the issue to chime and they couldnt give me any information about the charge. Exactly one day later they declined my claim and did not want to refund my money whoever initiated this transfer was not me as I dont bank with XXXX this had to be sent to a account not under my name but chime did not want to help in giving me any information as to what to do in this situation they just had the name XXXX in their system no name no account number nothing. Im asking you guys to please contact chime and make this right someone transferred {$5300.00} dollars from my account and chime did the bare minimum to recover my funds Ill be taking legal action if this is not fixed this is all the money I had and they didnt do anything to really investigate this problem they didnt get any information I already didnt have. You could totally see its fraud because I dont use XXXX I never have. They stated a IP address in Florida was used but that could easily be masked by a hacker. Im begging you guys to please fix this and re open my claim I need my money back its not right that they just denied it after one day and got no information about the charge.
09/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MD
  • 20747
Web
i made a purchase through XXXXXXXX for an item the website turned out to be a big fraud the person sent out two tracking numbers 1 from XXXX and another one that was sent to my area but not to my address with XXXX as long as the item shows its in your area then they will automatically deny your case. First tracking number XXXX Second Tracking number XXXX XXXX purchased an item from XXXX XXXX but the website is a scam they never delivered my item and they give two tracking numbers. i purchased an XXXX but right after i purchased i instantly found out this website was a complete scam seen articles on XXXX and on the XXXX website on a lot of people getting scammed by this company purchase amount {$99.00} order date XX/XX/20 Transaction ID XXXX This scammer provided two tracking number 1 from XXXX that was sent to his actual location in XXXX, AL and another tracking after you open a dispute on XXXX from XXXX that he sent to my area but not to my actual address on purpose because everybody know with XXXX as long as the tracking shows your location they will automatically decline your case and XXXX will not send proof of delivery to your email since its not your package. then did a dispute with bank chime and they also denied my case without doing a proper investigation and they also denied my appeal with proof of XXXX also stating finally that it was delivered to a different address and a different person name on the package
11/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or missing disclosures
  • NE
  • 68104
Web
The company is Chime : In their pay anyone feature, if someone has my phone number, they can gain access to my full name & use that to XXXX me & find out where I live, my family, etc... I went on a date with a girl & we exchanged numbers before meeting ( dating app ). When we went to lunch, she knew more about me then I told her in our chats & I asked how ; she told me that Chime " pay anyone '' feature gave her my full name & she looked me up. I have been trying to talk to Chime about this security issue, but I'm getting no where. I feel absolutely violated by this breach of my personal info. I told them that I will not stop till this privacy issue is corrected. I told them, think if someone gets another 's number & they both have Chime. What if the one person has an issue with the other & their app just gave them their full last name & ability to seek them out. ~yes, I know it's a extreme example, but look at the world we live in~ There needs to be greater personal privacy measures put in lace by Chime to protect my info, even if someone has my phone number, I should be able to choose what is shown as my name. I've address this with Chime & have got the run around & just pre generated answers. I strongly feel my privacy rights & all other Chime members, have been put in a horrible position that compromise my anonymity & safety, that I didn't consent to. I love their service, but don't appreciate this privacy issue.
10/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AL
  • 367XX
Web
On XX/XX/2023 I recieved security text messages from Chime informing me that my card was being used in transactions at a XXXX in XXXX California, & I was asked in the text message whether or not it was me that was trying to do those transactions. I said no & I received a text back stating that the transactions were blocked. However, Chime still allowed those transactions to go through & the scammer that was using my information at the XXXX in California was able to make those transactions successfully. I tried to dispute the transactions immediately but they were pending & I couldnt dispute them. I called the specific XXXX in XXXX California to let them know that someone fraudulently used my card information at their gas station & they wrote down my information & told me to dispute it with my bank because The XXXX was on vacation. Finally was able to file a dispute this morning once the fraud settled in my account. I need supporting documents or video footage of the fraudulently person using my card information so that I can speed up the dispute process. Im out of {$120.00} that I really needed. My name is XXXX XXXX, I live in XXXX Alabama. Literally the last transaction THAT I MADE MYSELF a few hours before the fraud happened was at a raceway gas station in XXXX Alabama, which is over XXXX miles away from California. The Fraudulent transactions happened at the XXXX on XXXX XXXX XXXX XXXX California. My bank is Through Chime.
04/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MO
  • 641XX
Web Servicemember
I requested a refund from the merchant XXXX XXXX XXXX for their XXXX XXXX annual subscription service of {$1400.00} on XX/XX/XXXX. The purchase was made with a Chime XXXX XXXX card ending in XXXX with a split payment plan of {$720.00} on XX/XX/XXXX and {$720.00} on XX/XX/XXXX transaction, last year. There was a 1-year refund policy. The debit card used to make the purchase last year was disabled and replaced around XX/XX/XXXX, after the purchase. After the refund was requested by XX/XX/XXXX, the merchant processed the refund on XX/XX/XXXX for {$1400.00} to the old debit card which was used to make the purchase last year and provided a confirmation receipt that the refund was complete. The refund of {$1400.00} was still not showing in my Chime Checkings account after 10 business days, so I called CHIME support and the representative said that even though it was an old debit card, its still the same checkings account, so it should have processed through, but he found no refund was pending into my Checkings account, so I filed a claim dispute form enclosing the reference number of the refund from the merchant, along with the refund receipt and the confirmation email from XXXX XXXX XXXX. CHIME BANK refused to credit my account for the missing refund amount and closed the dispute as no error was made. Yet, I still dont have my {$1400.00} e-refund from XXXX XXXX XXXX showing or deposited in my Chime Spending ( Checkings ) account.
01/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 76123
Web
yesterday i tried to take out {$340.00} at an atm with my chime card, it said there was an error so i assumed something was wrong with the atm cuz i had JUST put money onto my card and didnt see why there would be anything wrong on my end so i went to another atm and it said it couldnt be processed, thats when i realized it had to have been something that was wrong on my end so i opened the chime app and tried logging in, it wouldnt let me and i assumed its cuz i put my password in wrong but i noticed it said your account has been closed. i was confused because i didnt understand why the XXXX it was closed. i checked my emails and there was nothing so i was stressing the XXXX out cuz i had money in this account that i no longer have access to, i have things i have to pay, what the XXXX am i supposed to do? so i refresh my email for awhile and finally get an email saying we regret to inform you we have made the decision to end our relationship with you at this time. your account will be closed. i started freaking out because i tried getting ahold of customer service several times and i wasnt able to talk to an actual person, i emailed customer service several times and have not heard back. i did some research and i guess this happens to people a lot and a lot of people dont get their money back or have had tried months to get their money back and havent heard anything from anyone, im worried the same thing will happen to me.
11/03/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 77802
Web
Texas workforce commission deposited my unemployment via direct deposits to a XXXX account, ( XXXX XXXX ), in XXXX, Oklahoma that I never opened. T.W.C. says they verified this account and the only thing they can tell me is the phone number, last four of account and routing number. The dates and amounts are XX/XX/XXXX {$8800.00} and XX/XX/XXXX {$7200.00} was deposited to a XXXX account... I am told by Twc the last four numbers on that account is XXXX and the routing number ends in XXXX. I called with twc rep. on three way TWC can hear them telling me that I didn't have an account there and said it was Chime who would have my account. Chime says they did not have one either. I have submitted my driver licences via email to chime as I was asked to do and I get the same response no such account. Twc says I am on my own unless the money comes back to them. Then XXXX says no..then sends me over to Chime... same response, NO account. XXXX number for XXXX and dont have one there they transfer me to chime..they say I dont have an account. Then I am left to call twc again and it just keeps going in a circle. I opened an account with Chime and tried to open a XXXX but the bank is not local ... ..to see if they could find it.. When I try to sign in from my phone I get a womans account thats not mine. I have the emails if that helps. I have contacted Obudsman for TWC as I was told to do and I just get the XXXX Run around. Blessings
09/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MD
  • 21216
Web
On XX/XX/XXXX someone used my XXXX to take money from my chime account. I was already sleeping so I hadnt noticed until the morning in which I contacted chime which is my bank. I also contacted XXXX in which they both said theyll put in a dispute that would atleast take 10 days. However the next day which was yesterday because the dispute wasnt submitted until the 7th I received an email from chime stating that there were no error and conveniently I wouldnt receive documentation on why for another 10 days. XXXX has been still investigating my case and i dont believe chime is taking the proper time to actually investigate my claim if you have 10 days to reach out to XXXX how is it solved in 1 and they havent even gotten back to me as of yet. Also XXXX has stated that they didnt receive any contact from chime regarding my dispute. I also cant file a police report due to the fact that they are saying I need the documentation regarding my denial for the police report. I did the proper work I provided all my documentation and presented every solution I had because I dont know the person so I dont know how they were able to use my XXXX to get money from my chime account. Its just that my chime has been connected for a long time to XXXX. That does not mean I authorized that charge. I have been given the run around and also theyve hung up on me because they cant answer how could they properly investigate a dispute in 1 day.
05/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • TX
  • 763XX
Web
I've recently had my card stolen and some unauthorized charges to my Chime debit card. After receiving a deposit in XXXX, i saw a XXXX charge for {$370.00}. I turned the card off immediately and saw later they were declined charges for for things.i tried disputing the XXXX charge to no avail. I had to use the card in XXXX, and turned it on and forgot to turn it off. Later I saw unauthorized charges at XXXX. The XXXX and XXXX charges are in addition to other smaller unauthorized charges that went through. After disputing the smaller charges and getting resolution for those, I was able to dispute the XXXX charge ( {$370.00} ) and XXXX charges $ ( XXXX & {$200.00} ) on XX/XX/XXXX. The money deducted has greatly inconvenienced me. I had to explain this to manager at the apartment complex I live at. They have given me until tomorrow XXXX XXXX to pay rent or the eviction process will begin. I explained this to Chime and asked for at least provisional credit while they investigate, so I will not be evicted. Chime says I have to wait until XXXX, XXXX but I do not have that long. I've called various times with no help. Provisional credit can be provided within 10days which can be before 10 days. I asked Chime for provisional credit which can be provided before the maximum 10days and they said I'm eligible to receive it but still have to wait until XX/XX/XXXX. I'll be evicted by XX/XX/XXXX ( tomorrow ) I'm requesting my money back.
12/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • WA
  • 98023
Web
In the beginning of XX/XX/2021 I received a letter from from chime stating that IRS was requesting documents. ( During covid my divorce finalised and was waiting to change my name ). The letter said no later than the XXXX. On the XXXX I messaged them asking how I can send them and what documents were needed. I turned all the information in, they sent me a email congratulating me about my name change and sent me a new card. I activated it around the XXXX of XXXX used it and by the XXXX my account was closed. I tried getting in contact with someone and an automated voice over the phone just said my account was closed and I cam reach them over text chat on the phone app. So I tried logging in only for it to tell me that I needed an account to log in. So I reply to the last email I had with them and they said we never got the info. Immediately I responded with that was incorrect and sent them a copy of the new debit card and my new ID. They responded back and said that's just your ID we need the other information. So I sent it another time. Waited a few days with no response. So I keep messaging them, still no response. Finally, I said forget it and said I want the account closed and to send me the money in the account ( 7,000 dollars and maybe more because my child tax credit is usually deposited around that time ). Still no response on anything about my money. Its been over a week and I haven't heard anything back from them.
09/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 77066
Web
XX/XX/2020 woke up to my number and email address being change on chime. I tried logging in and I couldnt. Tried to get in touch with them and to let them know whats going on but because they let someone change my information I couldnt get the answers I need. The rep told me to just request to change my information back and because you have to email I didnt hear back anything till the next day. The next day I was able to get someone to help and I was able to log in all my money was gone XXXX plus. My account was hacked and the person that I dont know was taunting me because he was able to get my information and hack my account. I did everything chime told me to do even get a police report they let somebody name XXXX chime to chime money out of my account over 50 times back to back and didnt even red flag it. I disputed it after they then ask me to write down all the transactions I didnt do send in the police report and the text from the person who hacked my account. After doing all this they denied my disputed with no legitimate reason and closed my account. And didnt want to send the denial letter after telling me it was sent I just gave up because I didnt know what to do oh and also my paycheck deposited in the accounts 3 days later and the scammer took half of it and I couldnt pay my rent I was left with nothing and no help I was put out of my apartment I had gotten to far behind and that was my money for my new place.
04/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 326XX
Web
I purchased a router from XXXX XXXX on XX/XX/2023 that was supposed to come with a 30 day free service. On XX/XX/2023 XXXX charged me {$110.00} for one month of internet service when my router was delivered. The service was not good so on XX/XX/2023 I contacted XXXX to cancel my service and return my router. I was assured by XXXX that I would get a full refund for the router and the internet service. I returned my equipment on XX/XX/2023 and it was received by XXXX on XX/XX/2023 via certified mail with signature required. On XX/XX/2023 I was charged {$110.00} for another months internet service- even though I had already cancelled my service on XX/XX/2023. I disputed the charge with my credit card company Chime XXXX XXXX, I also notified XXXX that the charge should not have been made as my service was already cancelled. On XX/XX/2023 I received an email from XXXX stating that they were refunding the charges for the router and the monthly charges. On XX/XX/2023 a credit for {$110.00} for the XXXX charge was issued on my Chime XXXX XXXX card. XXXX said on XX/XX/2023 at XXXX that they could not refund the XXXX charges because it was disputed by my bank. Chime says everything was refunded by XXXX on XX/XX/2023 in the amount of {$110.00}. No matter what I say or try to explain to either company, even with all of the conversations and invoices I have, neither company wants to give me back the {$110.00} from the XXXX invoice.
12/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19136
Web Older American, Servicemember
On XX/XX/XXXX I received a text message from Chime Bank ( my bank account ) stating that my phone on record had been changed to XXXX XXXX XXXX ( not my phone number ) and my email address had also been changed to an unknown address. I tried to notify Chime but I had been locked out due to the phone number and email change. By the time I was able to rectify and gain access again, {$1200.00} had been used to an unknown purchase ( XXXX XXXX ) in that amount. I told the bank that I did not make that payment and had to file a dispute that was denied a few days later. Yesterday XX/XX/2022 I re filed the dispute with Chime and am waiting for a response. The money that was taken was my direct deposit from the XXXX XXXX XXXX XXXX XXXX XXXX that had come in on that exact date XX/XX/2022 I'm XXXX XXXX XXXX XXXX and need that money to pay bills, buy food, buy XXXX presents and to XXXX until my next direct deposit, which I will be sending to another bank account. The same thing occurred on XX/XX/XXXX to me and {$1000.00} was taken from my Chime XXXX XXXX account. That was refunded by Chime a few days later. I really expected Chime to realize that the XX/XX/2022 theft would also be refunded. My suspicion is that the person/persons who did this is a Chime employee because they knew exactly what date my direct deposits came in. I live XXXX and nobody else in the world knows that but myself and a Chime employee. Please advise. Thanks
12/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • MD
  • 212XX
Web
My room mate moved out, after a bad argument. Her and I shared a joint XXXX account where both of my debit card info was in it. When she moved, she blocked me from the account without letting my delete my card info. Since then, someone has tried to login to my XXXX XXXX, and also made a XXXX account with my chime card. Than upon reaching out to her telling her I was notifying the irs and card companies that she has all my socials ( kids socials and my own ) and my card info, she than screenshotted messages receiving messages from my XXXX account with my chime info. Stating that I was trying to use her card, when I have the card in question in my wallet, in my name. But she tried to lie, and say it was hers. I have no idea how she was able to have my card info directed to her personal phone messages. She is on XXXX for XXXX and XXXX XXXX of two banks. She is claiming that Im the one using her cards, when I have proof that I have not made any purchases, or have any access to ANY of her cards! She also is still trying to claim my kids on her taxes, when I specifically told her she does not have permission to do so. But she has all of my kids socials, birthdays, and even all of my information. She is a XXXX XXXX, so Im not sure to what length she will go. But I want to put a end to it now! I have reported both of my cards stolen, and even changed all my info on some other cards. I need some help please. Thank you so much.
07/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NE
  • 68107
Web
I was incarcerated from XX/XX/XXXX and my car, purse everything was stolen from my apartment. I had XXXX deposits made during this time from my employer totalling almost {$2000.00}. As the expected money was not there I made contact via the jail phone with Chime regarding this as I was unable to make bail. The first contact was made on XX/XX/XXXX. The corrections officers from the jail had to monitor the call and can also verify this. I then made a police report and provided them with the information. I contacted Chime have them the letter from the jail and police report along with the officers information handling the case. I asked them to suspend all outgoing transactions and lock the cards. They did not it resulted in more money being taken out. They have repeatedly denied my claims to have money returned to me. I have appealed and spent many hours in the phone, resubmitted the proof electronically and by mail. They denied due to portions being peer2peer transfers and the debit transactions due to used online. I do not know the people who stole the money, I did not give them the pin or access code to my phone or permission to use any funds. I notified them the same day I was aware the funds were stolen and then they were negligent allowing an additional {$740.00} to be withdrawn leaving me with XXXX cents. I would like my stolen money returned to me as I have followed all protocol and have proof of what I'm saying.
04/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98229
Web
This is the 2cd issue I've had with a large amount of my funds being stolen. The first time I filed a dispute and was declined. I filed a rebuttal and it was declined as well. I then filled a complaint and nothing happens. {$7400.00} are still missing from XXXX. Now this incident occured XX/XX/XXXX through XXXX of XXXX. I filed a dispute and it was declined. I proceeded to file a rebuttal and all the sudden the company closed my accounts stating I breeched agreements in which I did not. I filed identity theft 2 times with FTC. When I sent a copy of my report to chime is when they closed my account. I have asked in XXXX for documentation as to why they declined my rebuttal and I did not receive nothing. This time XXXX of XXXX I asked for documentation as to why they declined my rebuttal as well as documentation of what agreement I broke for them to all the sudden close my accounts after banking with them for 8 years. I had an active checking savings and credit card and they closed all 3 stating I did something. They have stolen over XXXX and won't give me documentation so I can pursue legal action. I asked them to freeze my account during these times my money was being used without my permission. They did not freeze my accounts. Now I'm facing hardship due to this large amount I'd my money taken each time. Still to this day I have received no reasonable explanation or was I provided documents I requested. Please help.
11/28/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • FL
  • 33993
Web
I have a checking, savings and credit builder account with chime. I was transferring money from my XXXX XXXX XXXX XXXX account to my chime account to take advantage of their 1.5 APY savings rate. I had been depositing XXXX dollars monthly from suncoast and had never had a problem. On XX/XX/XXXX, I unexpectedly received an email from chime that they had closed my checking, savings, and credit builder account. I then attempted to login to my chime account and it had already been deleted. I then called their customer service number to find out why all my accounts were closed, and also how to get my money back that was in my savings account. The representative on the phone told me that my account was not in compliance with the deposit account agreement, but did not give me a reason why and told me I needed to email chime directly to attempt to get my money back. I then spent the next couple of weeks emailing chime my personal information to verify my identity and documentation showing my history of deposits to chime from XXXX XXXX XXXX. On XX/XX/XXXX, I got an email from Chime informing me my account can not be re-opened. I never received any legal documentation or information from Chime giving a reason why they closed my account. After speaking on the phone with a representative after getting that email, They also said they are not going to refund my money that was in my savings account, which was around XXXX dollars.
11/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • SC
  • 29621
Web
My Vehicle was stolen 2 yrs ago in. There was my debit card I called immediately to cancel card they did not over XXXX was taken from my card. I had XXXX left and it took almost a year to have them verify my account and let me back in. When I finally did they couldnt explain where my money was and kept telling me they would credit it back. After months of calling. They locked me out of my account and said I had the wrong email. It was programmed in my phone and they emailed me several times so I know better. .my funds were taken at almost XXXX on that day. So no one on customer services could explain and kept saying I closed account. I did not. But even if I did they have to send me a check or give me my money. I screen shot all interactions and they act as if I never had that account now. They have not only done this to me they have done this to several other clients I have heard of. I have requested statements and supervisors to call they were rude and have not still released my money. I worked for it belongs to me and the day I reported my card stolen funny that over XXXX was taken and my card wasnt cancel till almost a year later. .they have been ugly and now acting as if I didnt have any way to talk to them cause my account is not showing up after I have several calls earlier that day from them. 3 supervisors told me they would investigate but my money would be returned by the end of the week. Which was not.
06/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • PA
  • 161XX
Web
I had XXXX dollars deposited into my checking account thru Chime on XX/XX/2022, the following day on XX/XX/2022 Chime took the XXXX dollars out of my account and then closed the account. I emailed them in regards to this and they stated that my account had been closed due to not using it for an extended period of time and that I was not eligible for a refund. I told them I wanted my account reopened and my money put back into my account or sent back to the person who had sent it to me the day before. Within 4 days they had my account back open but did not put my XXXX dollars back into my account. I have called them multiple times in regards this and spoken with many representatives and multiple supervisors within the dispute department as well as customer service. Everything I call they tell me something different and say they can't help me. They tried to tell me my money was sent to the state after my account was closed so I had the supervisor walk me thru getting on the state website to look the money up to claim my money and there is no record of them sending my money there and no way for me to claim the money. They are refusing to help me and or to give me my money back. This has been two months of me calling them and I just got off the phone again from speaking with supervisors from both departments of member services and despute departments and they me there's nothing they can do it's not there department.
05/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WA
  • 98023
Web
Hello, On XX/XX/XXXX, I received a charge on my Chime checking account for XXXX from XXXX. I saw this charge and money deducted from my account. I canceled the service, and was promptly initiated a refund from XXXX. The charge was erased from my Chime checking account, but my money was not refunded and my balance did not return to normal. I waited a full ten business days to contact XXXX, and have had three different representatives tell me that the refund was processed to my Chime checking account. I have been chatting with Chime representatives for a week, and have received a variety of different answers. Different representatives have messaged me without even reviewing the case, assuming I'm talking about a charge that I have not even referenced. One representative told me to look at my statement, and if the charge/refund were not on my statement, she would help. Two days later, a different representative messages me and tells me that " this was not an actual refund, so I was not refunded any money and the charge was dropped from statement. '' I have gone back and forth with this representative to express that this isn't the case, my money was taken out and not returned. I am now out {$100.00}, without a solution. I have never filed a formal complaint against a bank and am always ready to admit when I misunderstood something, but I keep close track of my account. I had money deducted, and it was not returned.
09/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MI
  • 482XX
Web
I made a purchase of {$250.00} on Friday, XX/XX/XXXX, which was immediately canceled by the merchant ( within 30 minutes ) due to being out of stock. After the notification was received, I reached out to chime with proof of order cancelation & was told that the cancelation was already processed by the merchant and the money would be returned. Yesterday, XX/XX/XXXX, I called support to find out why the funds have not yet been released. I can not afford to have almost {$300.00} just sitting in limbo for days. I was told that because the transaction was canceled before being posted, it will take 7 days for my money to be returned- if the merchant let it post & then refunded, it wouldve shown up within 3 business days. I kept asking for clarification, because it seemed to me that a canceled transaction being held longer than a refunded posted transaction seemed strange, but couldnt get far with the phone agent. In my frustration, I asked for a supervisor and was advised he would just tell me the same thing, and proceeded to sit on hold. When it was clear I wasnt going to make any progress, I hung up. I have had numerous issues with chime from the way disputes are handled to the terrible customer service reps and their lack of understanding of the product/account, which causes issues beyond a simple error. Care should be taken when people have access to your money but Chime doesnt seem to feel the same way.
06/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 48340
Web
My name is XXXX XXXX and I am a Michigan resident. For 7 months I had been using the app chime to get paid through my job. On XX/XX/2022 an unauthorized purchase of XXXX dollars was made of my Credit card ( its called a credit builder card ) at a XXXX XXXX XXXX XXXX in XXXX Florida. I even sent proof of my whereabouts at time of purchase. Ive showed them that I was at work for the majority of the day in XXXX XXXX, Michigan. Theres no way that I can even make it to another state by XXXX the time of the purchase by flight or car the same day. I even worked the following day. I called the store that the purchase was made at was given a hard time by whom ever answered the phone and said there was no one I could speak to and nothing I could do. After about a week of e-mailing these people and talking to different representatives of having my dispute reopened, they keep telling me there are no errors even though Ive shown proof of fraudulence. My XXXX account was even linked to chime so they tried to hit that account for a different amount, but didnt succeed. All together i ended up closing my chime amount scared that there would be another attempt of my money being took and just moved all the rest of what i had left to a separate account so that it wouldnt happen again. Its just said that people actually take the time out of their life to work just to get half of their check stole without an issue or no red flags.
05/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 34691
Web
On XX/XX/XXXX. I had a transaction come out of my Chime Bank account. The transaction was for {$190.00}, XXXX XXXX. I live in XXXX and this company appears to be a XXXX XXXX company. I disputed with Chime on Monday XXXX XXXX. They closed out very quickly and they made no contact to the merchant. The insurance company opens at XXXX PST, yet the dispute was closed before this time on the same day. Chime sent me through a rebuttal as I requested to recieve documents upon their " findings '' However, again, opened and closed within XXXX minutes before XXXX was open. Chime is claiming, because I know my pin card in my head. And, my personal belongings were not lost/stolen. Someone couldn't possibly skim my card. Chime is refusing to do any type of deep investigation. They're jumping to conclusions. An insurance company is supposed to verify a payment against a policy holder. This clearly never happened, but Chime does not see that. Chime is also claiming I didn't close my account, well, yeah, I did when I noticed this payment on Monday. I got a direct deposit paid on Thursday XX/XX/XXXX. I knew how much money I was supposed to have in my account. I do not check my bank account every single day, especially knowing I am not having anything coming out of my account. Chime is just not protecting consumer rights and keep closing out my dispute without any official findings and making no contact to merchant.
12/06/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem making or receiving payments
  • PA
  • 189XX
Web
I am reaching out seeking your assistance as it relates to a financial breach I have had regarding my bank account. I am currently banking with Chime ( online bank services ) and on Saturday, XX/XX/2022, at approximately XXXX, almost my entire savings was anonymously depleted. The timeline of events are as follows : XXXXXXXX XXXX EST, received an email bank alert from Chime stating unusual activity. XXXXXXXX XXXX ESTXXXX received another email stating {$5000.00} has been transferred ( to an email address ) XXXX XXXX EST, received another email stating my email address was changed XXXX XXXX EST, received another email stating my telephone number was changed I contacted Chime ( via phone ) financial services at the following times : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX Upon each instance, I was told that a representative will be following up with a case number shortly. I have spoken to XXXX Chime customer service ( transferred ) representatives and I am yet to hear back from the Chime team with an update. I have been locked out of my account as a result, am not sure what are the next appropriate steps and have, so far, considered filing a police report in an attempt to rectify my accounts. I look forward to hearing from you soon and working together to resolve this major financial discrepancy.
07/29/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Account opened as a result of fraud
  • AL
  • 35611
Web
On Wednesday, XX/XX/2021, I received an email from Chime that said my account balance was low. Because a family member has previously attempted to steal my identity, I took this email seriously. I went to the Chime login, typed in my email address and clicked that I'd forgotten my password, and soon I was able to reset the password and log into an account. The routing number is XXXX and the account number is XXXX. I saw that there had been two transactions associated with the account, each in the amount of approximately {$5.00}. I contacted Chime via email and explained the account had been fraudulently opened and should be closed immediately. I received a response that I would need to provide identification in order for them to do anything. I sent them a copy of my Certified Fraud Examiner credential and they did agree to lock the account, but insisted that I provide a copy of my identification such as a drivers license in order for them to take further action. I refused to do so because I do not know if the persons I would emailing with were a part of the scam. If Chime is a legitimate banking outlet they are not reliable. There is a flag on my information with XXXX and so this account should have never been opened without my knowledge or consent. I am asking that you investigate this incident and this bank - if it is a bank - and get to the bottom of how this happened. Thank you, XXXX XXXX, XXXX
10/21/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 767XX
Web
Today, XXXX while I was at work I checked my accounts to make sure all my funds were in each of my accounts ( credit builder, savings, and checking ) I had {$100.00} in my credit builder for a bill I have this week. I look at my credit builder account and see I have only XXXX dollars and XXXX XXXX cents left in my account. When I open look in my recent transactions it says that I have XXXX transactions from a XXXX in XXXX California. XXXX of the transactions were XXXX XXXX dollars and XXXX XXXX cents and XXXX was XXXX dollars coming to a total of XXXX XXXX dollars and XXXX cents. I call chime and file a dispute because I live in XXXX Texas and have not been to XXXX California ever. In less than 30 minutes they denied my dispute because they found no error in the transaction. As soon as I seen the email I called Chime and they told me they could not let me know the reason they denied it because it was a spectate department and when I asked for the number to call the department. The customer service representative told me they do not have a phone number, they only have an email and I would have to wait 10 business days to receive the email regarding the reasons my disputes were denied. Now I am waiting for the email on why my disputes have been denied and I have no other options besides wait for the reasons they were denied or reopen the disputes with more information, in which I have no other information.
05/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NJ
  • 080XX
Web
I was on the XXXX gaming site on XX/XX/2023 from XXXX XXXX to roughly XXXX XXXX. I warn XXXX dollars and closed the application. The next day I logged into my Chime account so see if the winnings was deposited. In disbelief and lost I panicked and call chime. I was told the transactions was still pending and to reach out to the merchant. I did exactly that and was told that I broke the law by allowing minors to access the gaming site. I dont know of any parent allowing their children to gamble and exhaust all of their finances. Once the transactions cleared as paid I contacted chime again. I forwarded the emails between me and the merchant. Again clearly I did not authorize or give access to the gaming site. On the XXXX of XXXX I received a determination that the transactions are accurate. I asked for a copy of the information used in the decision. Finally I receive the information and it only included the transaction history. My emails wasnt included nor was there any communication with the merchant. I filed a rebuttal and was told by the XXXX of XXXX I would receive and provisional credit. Sad to say today the XXXX I get a email stating the claim is closed and I wont receive a credit or my money back. I cant express this enough I didnt nor would ever allow and minors to break the law, especially at my expense. I did not authorize any transactions after I cashed out. I opened another rebuttal today.
01/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • GA
  • 302XX
Web
I opened the account through iXXXX because Chime was advertising a {$250.00} bonus if you opened a new account with them and you signed up for direct deposit and you deposited {$200.00} or more within 30 days after opening the account. I met all requirements that were asked of me. I have spoke with SEVERAL members from their support department as well as SEVERAL supervisors from their escalation department. I've got well over 30 emails of the same emails just in this last attempt to resolve this and they keep asking me to send in screenshots of multiple things to which I have done SEVERAL times. They just keep starting me over wanting the same requests over and and over again. I've even got a email from one of their support members stating I've met all requirements but they still haven't made true to their advertisement. Im not the only one that has made several attempts to get them to hold truth to what they advertise. I've also seen that they have just closed accounts saying that people didn't meet terms and conditions to have a account with them. I just want this resolved and someone put a stop to their fraudulent advertising. I've been dealing with them since XXXX XXXX and only started trying to contact them after I met all requirments after the 30 day period yet they never held up their end of the deal that they advertise. Is there anything that can be done about this misleading false advertising?
12/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • PA
  • 18104
Web Older American, Servicemember
My name is XXXX XXXX XXXX, an United States XXXX XXXX, XXXX American Veteran, Social Security Number : XXXX XXXX XXXX. My Problem is with my Financial Institution, which is Called " Chime '' Chime give 's the Direct Deposit Early, or as soon as they get the Direct Deposit, from the Dept of Veteran 's, via the United States Treasury, that they Promote or Advertise this Policy, that they instantly Put this into your Chime Checking Account. When I didn't get my Direct Deposit, on XX/XX/XXXX, I Called the XXXX XXXX XXXX XXXX Number, which is the Dept of Veteran 's Affair 's, and they gave me the Payment ID # XXXX and told me that, they Sent XXXX Dollar 's to Chime on XX/XX/2022. The Dept of Veteran 's Affair 's also told me to Call Chime and give them the Payment ID # XXXX and they said that Chime has to give me, the Payment Date, with this Payment ID Number XXXX and when I called Chime they refused to give me a Payment Date and the Woman XXXX said, that she dose n't know why Chime is not Witholding my Direct Deposit. Now it's XX/XX/XXXX, and I still don't have my Money. Chime, is in Fraud and Perjury, because they advertise, that they Put the Direct Deposit into your Account as soon as they get it, which is a Lie of Perjury and Intentional Deception or Fraud. Chime, is holding the Money to get Interest Of the Money. If I don't get paid by Tomorrow, I can't Pay my Rent and I will be on the Street.
03/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CO
  • 800XX
Web Older American
To whom it may concern : on XX/XX/2022 On my Chime checking account I was charged twice by the same company ( XXXX & XXXX ) 1 ) {$120.00} at XXXX am and anotherfor {$120.00} at XXXX there was no store # included on my bank statement. I called Chime right away and they stated I need to wait until the charges have been finalized. I call back in 2 days and filed a dispute for those charges, the claim was denied stating Chime could not find any errors. I called back and spoke to Manager XXXX XXXX XXXX ID XXXX. He stated if I could send some sort of documentation, I sent over my actual completed form stating I was working that day and that my debit card was on me at the 1st charge at XXXX. I also asked if I could have the store location so that I could call them and see the camera 's that I was actually there, he stated he does not have that information. Per XXXX & XXXX customer relations stated " That in order for XXXX & XXXX to charge a card, we have to get approval provides the back/Card. The approval provides the bank/card with all the merchant information like store #, address and mechant numbers. for a dispute and or/ police reposrt, this documentation need to come from the bank/card for record. They '' ll need to provide the transaction details for any transaction it approves or posts. '' I have also filed a police report # XXXX. I have received another email from Chime stating it was denied. Help!
10/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MI
  • 48911
Web
A company called XXXX charged my account XXXX usd on XX/XX/XXXX at XXXX XXXX I have never used this company or service so I contacted my bank a few minutes later and disputed this transaction The bank ( chime ) asked me for documentation proving this was unauthorized and I said that I didn't know how to prove money was stolen from my account other than the funds being missing and me knowing I didn't spend XXXX XXXX they advised me to file a police report wich I did then my bank canceled my card after verifying I had not lost my card and it was still in my possession. I got a letter after requesting a reason why they denied my claim and they basically said in the letter that nothing looked out of the ordinary and that because I used a basic bank function prior to the charge wich moved money from my savings to my checking account that they believe I anticipated the charge and therefore it must be legitimate. The bank ignored my other evidence I submitted that this is a scam ie, the phone number is unreachable and the company is not on any XXXX search after I have attempted to connect with the merchant over 12 times no response. The bank didn't investigate the merchant or attempt to contact the merchant they only did a half assed look into my spending and determined it's not unusual and deneyed my claim. This is I believe unfair and poor practice and hardly can be called a investigation into my request
05/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • CA
  • 933XX
Web
I paid {$710.00} usd to a person that sent me an empty box. Box was received XX/XX/2022 I made the purchase on XX/XX/2022. It was for a XXXX XXXX XXXX XXXX XXXX was a standard sized XXXX. Well when the box arrived I noticed it was empty. I then started to examine the box to see if maybe something happened along the way. Upon further investigation I noticed that the box was small, I then put another record to the box that arrived to find out it was impossible to be able to fit a vinyl record inside of a white large flat rate usps box. I provided exchange between me and the buyer, I provided photos of the box with the mailing label stickered on from the post office. I then provided photos of the box with other exactly same sized XXXX XXXX showing proof it would have been impossible to fit that in. My bank keeps denying me a refund. Always close my dispute within a day or two not doing the full XXXX investigation to properly solve this issue. Ive had different managers tell me not to worry once they view the evidence Ill be able to get a refund. I again got denied today. I thought my bank was supposed to protect me and they have not. Ive been a customer over fives years with them with no other complaints or disputes filed on my part. I just want my money back and extra as well for the stress this has caused me. The feeling of not being protected, the feeling of stress dealing with your bank is crazy.
03/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • AL
  • 35211
Web
On XXXX XXXX I received a email from chime stating that my account had been closed. They didnt send me any email prior letting me know that this would be happening. When I reached out to chime customer service I spoke with a representative and a manager. The manager stated that she also didnt see why my account had been closed and that she didnt see anything that was sent out to my address or email before hand letting me know that they would be closing my account. The only resolution she gave me was for me to email chime support department for some kind of answer since they dont have a phone number. I sent a email to them for them to say that I didnt meet the deposit agreement in which I knew was a lie since I had just had my tax refund deposited into the account on XX/XX/2023 not even 30 days ago. I let them know that I was waiting for a refund to be sent to my chime account and ask for them to reopen it. The only reply I received back was that I would receive a check in the mail in 30-45 days for the funds in my account. No one has emailed me back since then. I banked with chime for over 3 years and never in my life have I dealt with something so unprofessional before. This has inconvenienced me in so many ways and they dont even care. Im unable to get my money out of my account they didnt even give me proper notice so I could have moved my money. Now I cant pay my bill until I receive my money.
08/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • PA
  • 19139
Web
XX/XX/2022, I received a email from Chime letting me know that they were putting a hold on my account and I need to send in documents ( ID, Proof of Address, Selfie Holding ID & Explanation I immediately sent in the documents they asked for and called them shortly after, I didnt get any reason as to why my account was on hold. They didnt tell me anything, said they could not do anything about it while their XXXX team were reviewing my account. I was told to email them or wait while they reviewed my account. I emailed them a over XXXX times and never got a response. I continued to call chimes customer service number to figure out the issue. They emailed me and told me they received my documents and theyll be reviewing them, it XXXX take XXXX business days. I havent gotten any emails or updates regarding my account yet. It has well passed XXXX business days, it is going on XXXX month now. They arent giving me any updates or even knowledge on why my account was put on Hold In the first place. I do not have any access to my funds, I can not see whats in my account or anything. I would not even be able to confirm all my money is in there because I can not see anything on my end. I feel like XXXX in a scam. They will not do anything, and are not telling me anything via phone. Ive emailed so many times, I do not know if they are even getting them. I just want my to access my funds and close this account.
10/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TN
  • 37086
Web Older American
I initiated a direct debit from my Chime account to my mortgage company on XX/XX/XXXX in the amount of {$1000.00}. The funds were removed from my Chime account on that day. A few days later I accessed my mortgage account to confirm whether or not I had covered all late fees, and the payment for XX/XX/XXXX still hadn't posted. I had become familiar with Chime holding some deposits for 7 days. Therefore, I allowed additional time in the event that the payment was being held. After a week, I contacted my mortgage company about the payment having not posted. They informed me that they never received it. I then contacted Chime, and all they will provide me is an account transaction showing the funds leaving my account ; and state that they can not provide the record of the electronic transfer ; proof that my money went to my mortgage company. They are supposedly investigating the situation, and IF they find an error ; THEN they will issue a temporary credit. They have refused to void or reverse the transaction so that I can get my money back, which would enable me to send funds to my mortgage company by a different, and not risk missing a house payment. Chime insists that the funds transmitted correctly. But refuse to provide electronic proof ; nor issue my credit they investigate. I feel like they stole my money ; and their evasiveness just strengthens my feelings that I have been robbed by them.
04/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 344XX
Web
Goodmorning, I bank with Chime I have for about 2 years now. Sadly I was XXXX from XX/XX/XXXXXXXX XXXX XXXX roughly 6 almost 7 months. When I get home I actually have to buy a new phone and get a new wallet and ID because someone had stolen them while I was in XXXX. So I get a new phone and access my email address and check on my funds that I had saved up in my chime account. Well unfortunately someone stole over {$8000.00} from me during the time that I waXXXX XXXX as well as taking my ID & social. So immediately I file a dispute show documentation through the court and sheriffs office to prove I was XXXX during the time being & that these were unauthorized transactions. I also filed a police report about the matter and sent them this documentation as well. My Dispute claim was DENIED though I showed supporting documentation as well as a police report and also employees at chime assured me that I had nothing to worry about but I need the money that I worked so hard for thats literally my life savings I cant pay my bills or even attain a lawyer for my legal troubles. The dispute number is ( XXXX ) I also have documents and everything I need to prove that it was not me whom did this, the person used XXXX to wipe my card by attaching my card information to their account and pulling money as well as paying personal bills out of my account. I have all of this as evidence and would like this resolved.
10/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NJ
  • 088XX
Web
On XX/XX/2023, a total of {$3400.00} was stolen from my account through my debit card information at two separate post office locations at the same time. On the same day, I called my bank and told them that money was stolen out of my account, and the representative claimed she stopped the payment, but it was still taken out. She said they would investigate the transactions. Since then, I have been chasing Chime to retrieve my money back, but they have not done a proper investigation and they did not issue me a provisional credit. I provided them a police report and an FBI investigation report to prove that I am a victim of fraud. I even went to one of the post offices where my money was stolen from, and they said to go back on XX/XX/XXXX and that they may have more information at that time. They also stated that Chime has not contacted them. However, they still refuse to comply with any of my request. Every time I call Chime, they seem clueless, keep transferring me to different individuals, and even though I provide them a case number and ask for the status, they keep saying they don't know, and have no access to my case or account information. It has been almost 2 months now and I still have not received my money back. I know that they are violating Reg E and UDAP. I am hoping the CFPB would help in this matter. I will also take this complaint to their banking partners, XXXX XXXX and XXXX XXXX
06/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77546
Web
XXXX XXXX XXXX stay was booked through XXXX XX/XX/XXXX I cancelled the reservation the same day via XXXX XX/XX/XXXX XXXX XXXX XXXX charged my card XX/XX/XXXX via XXXX. I explained the cancellation, asked for a refund to which they responded by blocking myself and family via XXXX, the only way to contact them since they are international. XX/XX/XXXX I contacted XXXX to step in. XXXX XXXX XXXX would not respond to XXXX I filed a dispute with Chime XX/XX/XXXX submitting screenshots showing the cancellation was well beyond the 14 day time frame. XX/XX/XXXX chime denied my initial claim and stated I could rebuttal the decision. XX/XX/XXXX I requested documentation and a denial letter from chime. I submitted new evidence, including my cancellation confirmation. XXXX chime denied my claim again. I asked for a denial letter XXXX requesting the documentation provided and a reason for denial. I followed up XX/XX/XXXX on my initial request for a denial letter from XX/XX/XXXX. No response from chime. XX/XX/XXXX I receive my denial letter from chime which is just a written statement stating that I booked the wrong dates and it was within their cancellation policy. My showing that I cancelled within the timeframe of their policy, and how I explained that I cancelled because I booked the wrong dates was not included. The denial letter chime sent XX/XX/XXXX DID NOT meet Regulation E requirements, either.
04/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 93306
Web
I received a push notification the evening of XXXX that my atm card was used at an atm location on XXXX XXXX XXXX in XXXX XXXX. I was not in XXXX XXXX that day, and my card was in my possession. My card was not stolen, no one other than myself has a card or permission to use it. I am also the only person with the PIN number. I automatically called the bank to inform them of the fraud that was committed, and was told I had to wait until the transaction was no longer pending before I could put in a dispute. On Saturday morning the date of XXXX, I put in the dispute by phone, and once again reiterated that the card was not stolen, was in my possession and that I had not made the transaction. I was told it could take up to 45 days to resolve the dispute. The dispute was denied on Monday morning, the XXXX of XXXX, and I was not given any explanation. I was told I had to wait up to 10 days to receive an e-mail explanation. I received the mail this morning, which is XX/XX/XXXX. The e-mail is quite suspicious, as it does not indicate the name of the business/bank atm where my supposed card was used, the address of the merchant, or the name of the person sending the document, or even the date of the document. I am extremely upset about this entire thing, as I am out XXXX that I did not authorize, and am strongly feeling that this was I side job at chime bank. Please advise on what I can do at this point.
01/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TN
  • 38106
Web
MY ACCOUNT WAS CLOSED BY CHIME XXXX XXXX I WAS ADVISED TO SEND DOCUMENTATION TO BE FURTHERED ASSISTED IN RETRIEVING MY FUNDS FROM THAT CLOSED ACCOUNT ( I SENT EVERYTHING THEY ASKED { FULLY IN COMPLIANCE WITH A CHIME MEMBERS GUIDELINES } I HAVE BEEN IGNORED AND I HAVE RECEIVED NO EXPLANATION OR RESOLUTION FOR ME OBTAINING MY FUNDS I HAVE MADE MANY DESPERATE CALLS FOR HELP NO ONE HAS DONE ABSOLUTELY ANYTHING TO HELP MY SITUATION MY ACCOUNT CONTAINS ( {$1500.00} ) OF MY HARD EARN MONEY AND I WANT ACCESS TO IT IMMEDIATELY I AM GETTING ADVICE FROM LAWYERS AND MAKING POLICE REPORTS BECAUSE CHIME IS TRYING TO STEAL MY MONEY I AM FACING EVICTION WITH A SICK CHILD ( I WILL HAVE A NEWS STATION TO COVER MY STORY ) I HAVE EXPLAINED THAT TO CHIME MEMBER SERVICES AND I STILL RECEIVED NO SENSE OF URGENCY OF CARE FOR MY FAMILY CHIME MEMBER SERVICES HAS COMPLETELY STOP RESPONDING TO MY EMAILS AND ALSO HAS BLOCKED NUMBERS I HAVE ACCESSED THEM ON CHIME HAS CAUSED ME SURE STRESS AND CAHOS IN MY LIFE IT HAS BEEN OVER 10 DAYS & I HAVE NO IDEA WHY I DO NOT HAVE ACCESS TO MY MONEY I AM COMPLETELY HOPELESS ANE NEED HELP ASLO, STRIDE BANK N. A. ( MEMBER SERVICE DEPT ) COMPLETELY UNDERMINE ME AS A PERSON ( WAS TREATED VERY RUDE ) THIS IS ONE OF THE WORSE EXPERIENCES IN MY LIFE ITS HIGHLY POSSIBLE I COULD BE XXXX SOON I AM IN DESPERATE NEED OF HELP AND CHIME MEMBER SERVICES ARE TO BLAME AND THEY HAVE NO SYMPATHY WHATSOEVER
07/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NY
  • 11729
Web
On XX/XX/XXXX I received an e-mail saying my account was to be immediately closed due to a transaction going against the " Deposit Account Agreement ''. I was receiving an Electronic Funds Transfer from XXXX XXXX which I have through my employer. I have done this dozens of time with this account. I spoke with multiple people on the phone ( to which no one could give a specific reason for the closing ) and through e-mail, every day since then and they keep asking me for new documents to validate the transaction in order to recover my account. I sent my Driver 's License, Car Insurance IDs and screenshot of XXXXXXXX XXXX website with the transaction and the banking info that says " XXXX XXXX '' which is Chime. Every time I send one, they ask for another type of verification. I also received e-mails that my account would not be refunded and once I replied with saying that on the phone I was told otherwise, they said I must wait 30 days for a refunded check. I'm not sure how this is even legal for them to do without warning. Nothing about my transaction was illegal. I attached articles I found that may be related to what's going on, especially since this happened to me, I have become aware of a friend of mine who is in the same situation with Chime as well so this is not an isolated thing. I clearly am an employed citizen who was not getting a false stimulus check. XXXX XXXX XXXX XXXX XXXX XXXX
04/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • TN
  • 37620
Web
On Friday XX/XX/XXXX, I lost my Chime card at a grocery store and did not realize the card was missing until several hours later when I went to use the card at a convenience store. Two unauthorized charges were made using my card during the time I was unaware the card was not in my possession : XXXX XX/XX/XXXX XXXX {$120.00} and XXXX XXXX {$140.00}. When I discovered the card was missing, at approximately XXXX I transferred my entire balance to my wife 's account to prevent additional unauthorized transactions from occurring until I could get home for her to assist me with reporting the card lost/stolen. Once the transactions fully posted Chime " investigated '' the lost/stolen/unauthorized use claim and 10 days later advised the claim was denied due to " no error found ''. I immediately requested the supporting documentation used to assist Chime with their " investigation '', no documentation was ever provided. Furthermore, when I contacted Chime verbally XX/XX/XXXX the representative advised she could not assist with the reason for denial other than " no error was found '' as she was not the one who had completed the investigation. A rebuttal was opened during this conversation but since no additional information could be provided other than the card being lost/stolen I have low expectations that the claim will be properly investigated and decisioned for what it is, fraud. Dispute ID XXXX
08/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble closing card
  • GA
  • 30310
Web
On or about XX/XX/XXXX I received a direct deposit of XXXX and change from XXXX 2 Days later the card company CHIME which is who I used to receive my benefits took the remaining balance of {$12000.00} after going back and forth with very disrespectful and unprofessional customer service agents for over a year I still receive no relief they sent me back and forth between their XXXX XXXX XXXX and their customer service for several months they refused to close my account and they just pretty much drag me along after everything was said and done they sent me an email stating that the money will be segregated into XXXX parts they sent {$190.00} back to the proper remitter which was the state of Illinois they sent {$10000.00} to New York for whatever reason. They also sent {$1800.00} to Georgia I received {$190.00} from Ides immediately CHIME would not help me get the remaining money that, They, not me wrongfully segregated. Finally, after reaching out to New York I was referred to New York state Attorney General. In XXXX of XXXX I was forwarded the {$10000.00} from the state of New York. I reached back out to CHIME about these results asking them to forward me the money the {$1800.00} that they sent to Georgia as well. Again, no help. I'm reaching out to you to ask that you please help me receive my funds that were wrongfully sent to the state of Georgia. CHIME really needs to be stopped. Thank you
02/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 85257
Web
I recently filed a claim for credit not posted. The merchant cancelled my online order/deposit and sent me an email confirmation that I would be refunded, however I never received the funds. I opened a dispute with Chime to get help recouping these funds, and was given a temporary credit. I sent over all the necessary documentation to Chime ( including a dated credit slip screenshot of the email from the merchant confirming all of this information ) which should have been an easy win in my favor. Instead, Chime emailed me correspondence from the merchant claiming the charge was valid and made by me because I have an account and made previous transactions. This has nothing to do with the claim reasoning, as I have done business with the merchant and the charge was not fraudulent - the reason for the dispute was credit not posted due to a cancelled purchase. Chime has abruptly closed my claim and deducted the temporarily credited funds from my account, making me negative and unable to use it. I will be appealing this decision with Chime, and Im opening this complaint to hold Chime accountable during this process so there are no more abrupt closures, as theres no reason why I have lost this claim. I need my documentation attached to the claim and reviewed by the investigators, my negative balance replenished with a final credit, and this dispute closed in my favor with the evidence provided.
07/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 949XX
Web
Chime the Company. I have tried to access my account through the company directly to no success. I even tried to reach out directly to their CEO and I have not heard back at all, which shows their company culture 's imbalance and lack of respect for their loyal customers reflecting their discriminatory practices. The customer service people have not gotten back to me regarding the status of my account with them and they keep asking for a selfie with a piece of paper with the customer 's name and date holding it up like a terrible mug shot. US Citizens will not participate in the company 's requirements as the official government issued ID is solid and good enough to prove identification with the proper tools necessary in person when it comes to financial services. Please look into this technology company 's best practices to ensure that people 's identities are intact and belongs to the proper folks whom it belongs to. Their digital verification is wonky and I have not been able to access my Chime account since they keep asking people for selfies, which I refuse to participate in. I will never bank with a digital banking company that does not have an in person site ever again. I don't even know if these companies are really run by the people who claim to be live people for all I know. Please do look into Chime " bank '' the company deeply, for the sake of the consumers. Thank you.
09/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 144XX
Web
On XX/XX/2023, my Chime XXXX XXXX card was fraudulently charged twice in the amount of {$210.00} at the merchant " XXXX* ''. I have never authorized this merchant to charge my account, and the charges are both fraudulent and unauthorized. Upon learning of the transactions that same day, I immediately contacted Chime to cancel my debit card and issue a new one, as well as file a dispute ; I was initially told that I had to wait to file a dispute until after the transactions were no longer in pending status, which I did. After the transactions posted, I immediately contacted Chime to file a formal fraud dispute against the transactions, and expected a credit in the amount of {$430.00}. The following day, Chime notified me that they finished investigating my dispute and denied credit, stating that the transactions were authorized by me, which they were NOT. XXXX covers cardholders from unauthorized and fraudulent transactions, but Chime is choosing to simply deny the claim without truly investigating or issuing a chargeback. I am in dire need of the {$430.00} refund, and I am unable to pay my rent due to Chime 's negligence and failure to investigate. I submitted a rebuttal to Chime and never received a response. It is truly concerning that my money is not safe at Chime and Chime should be investigated by the government as I am told this happens to thousands of Chime members across the country.
02/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OK
  • XXXXX
Web Servicemember
I lost my wallet and debit card for several hours on the XX/XX/XXXX had it returned eventually. Chime spending acct debited XX/XX/XXXX @ XXXX XXXX XXXX XXXX charged card {$140.00} XX/XX/XXXX unauthorized charge reported claim XXXX new card issued to replace debit card XX/XX/XXXX Chime denied claim XX/XX/XXXX requested documnts used to make decision advised of dissatification with decision. XX/XX/XXXX chime advised to resubmit rebuttal with docs to claim XXXX XX/XX/XXXX chime received request for documents in decision 10 day window on response XX/XX/XXXX Contacted member services complaint on dispute department XX/XX/XXXX rebuttal along with screenshots of transfer from external accoounts to chime on day of. XXXX/XXXX/XXXX claim XXXX denied XX/XX/XXXX rebuttal with info received from merchant verifying someone else used card XX/XX/XXXX chime denied claim XX/XX/XXXX rebuttal with copy of charge from merchant showing someone elses name on acct card was used on XX/XX/XXXX contacted member service they escalaed issue beyond dispute dpartmenet XX/XX/XXXX chime denied XX/XX/XXXX received documnts from chime decision XX/XX/XXXX contacted merchant to provide sttmnt of chagrge XX/XX/XXXX rebuttal XX/XX/XXXX chime denied XX/XX/XXXX XXXX XXXX all docutmnts snt XX/XX/XXXX documents from decision XX/XX/XXXX chime denied XX/XX/XXXX final attempt explaining situation with documnts XX/XX/XXXX chime denied
09/20/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 10032
Web
On Sunday XX/XX/XXXX at XXXX I received an email notification that the phone number on my account had been changed. I did not initiate this, nor do I know the number. I was on the subway when I got the notification and I got off at the next stop ( less than 5 minutes to call Chime member services. I called at XXXX and was on the phone for 20 minutes before I was able to speak to a human. In that time the person who took over my account sent {$5000.00} to themselves. after explaining what happened to the first rep, I was placed on hold for another 10-15 minutes to be sent to the claim investigation department. I gave my information to a rep. Stating that no one had access to my account or the password and that I was currently holding my debit card. She ( I think her name was XXXX or XXXX ) told me that an investigation was opened and could take up to 45 days to complete. After that, I transferred all of my money out of the chime account and into my other bank account. l also changed my phone number back. Today I got an email from Chime stating that they " determined no error had occurred. Therefore no funds would be credited to my account and this claim was closed. This is beyond disgusting that money that I worked hard for was able to so easily be taken and the bank I kept it in to refuse to do anything about it. I have requested the documentation that they used to come to this decision.
08/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • NJ
  • 07305
Web
On XX/XX/22 a transaction in the total of {$490.00} was made to XXXX XXXX at XXXX, I physically saw the transaction in a pending state on my transactions list on Chime which cleared the following day ( XX/XX/22 ). I have two emails from XXXX XXXX that Ive already forwarded to chime that shows that I initiated payment from my bank account and the transaction cleared and the payment was completed. A week later on XX/XX/22 XXXX XXXX emailed me that my payment of {$490.00} was returned to my account but for some odd reason when I go to my transactions on chime theres absolutely no history of me paying XXXX XXXX {$490.00} on XX/XX/22 or them returning it back to my account on XX/XX/22. Its as if my money disappeared in thin air which I find to be extremely odd. I reached out to Chime support via telephone several times to no avail, I was continuously placed on hold and transferred from agent to agent. On XX/XX/22 I reached out to chime again and was told by a supervisor in the member services department that my issue was not a Chime bank issue and I should take it up with the merchant XXXX XXXX. I've been in contact with both Chime member services and the Disputes department since XX/XX/22 via email and I still find myself going in circles with representatives that's not looking to solve my problem. It's been over a month since my money has disappeared from my account and I need it back ASAP.
08/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NJ
  • 082XX
Web Servicemember
There are several different issues inregards to my account for the past several months my deposits and purchases do not appear to be accurate as well as as the beginning balances for a instance if on XX/XX/XXXX my ending balance is XXXX and a total of XXXX has been direct deposited. I would think my account total should be the ending balance plus my XXXX I deposits would be my total. Tgey are just showing my deposit for that month then minusing the total amount in my purchases and again this has been going on for quite some time and when contacting them I just get they can not see any discrepancy and that I can't go off of my statements. I asked the lady numerous times why wouldn't I go off there statements and she said she needed me to speak to a different department in total at least the past XXXX of statements thate that I ave gone through is showing multiple things another instant if XXXX. Was deposited into my account and I spent XXXX my balance should be XXXX not negative XXXX dollars I really feel that they are just putting me off to because they just keep telling me that the gave reviewed my account and that it was right when I ask for a more detail statement tgey state the statement I have is all they have so again I ask them why is it then for my balances should I not go off the statements provided by them. again another story another run around please help me with this matter
08/22/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble closing card
  • NC
  • 274XX
Web
On XX/XX/XXXX, a false tax return for the year XXXX was filed in my name and social security number but the first name belonged to my sister XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was a requirement to obtain stimulus..she is on SSXXXXI so she was not eligible She also, I believe, opened a chime account in my name with her address XXXX XXXX XXXX XXXX XXXX Virginia to deposit my stimulus payments into this account the checks were sent out on XX/XX/XXXX ( {$1200.00} ) XX/XX/XXXX ( {$600.00} ) and XXXX of XXXX ( {$1400.00} ). I need to file a complaint because I am having trouble getting the records for this account. I have also filed a complaint and a case with the Federal trade commission and the IRS criminal investigation unit. I also plan to file a complaint with the XXXX XXXX XXXX and try to take legal action against chime and the IRS my sister 's real name is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Virginia XXXX all IRS correspondence from XX/XX/XXXX till XX/XX/XXXX had her first name on it but my social security number which is the reason for the identity theft situation. I can not get the checks from the IRS since it is a criminal investigation but I want to file this complaint because Banks need to be held accountable and need to do more research when they are cashing amounts of money in that size the total amounts of money is {$4.00}, XXXX approximately that I am aware of
01/05/2021 No
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AR
  • 729XX
Web
I opened a checking account with an online bank called Chime. I had my XXXX savings deposited around XX/XX/2020. Nearly a month after they requested additional info to verify my identity. I logged into the chat to see what was going on and I had a message stating the issue had been resolved so I thought it was over. Days later my account was placed on hold. I sent in the requested documents numerous times only to get request from them for more. Once I sent everything in I kept being told to expect to hear back from them within 48 hours. Never heard back. So I call and complain almost everyday for weeks and try to get it resolved but no one ever has info or can help me and they wont let me speak directly to the department handling my case. I always get the same story, they go through all the emails and ask about this and that and then say okay since everything is there I will escalate the situation and try to get a solution. I waited three weeks after that and heard nothing. I call today and get told my info was being emailed to the wrong email even though I have conversations on email with request for documents and saying to respond directly to that email, which I did. I got the same run around story with no solution offered. I have complained with the company, the XXXX, the attorney general of my state, and the federal reserve and I am making cases with all of them to try and get help.
04/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IL
  • 62901
Web Servicemember
I am a US citizen who is a customer with Chime/XXXX XXXX In early XXXX of this year I was visting XXXX, XXXX and had some unauthorized charges made on my debit card. I have reason to believe I was XXXX, and my card was charged 3 times. There is a span of about 2-3 hours that I do not remember, and I woke up on the train confused and disoriented. XX/XX/XXXX, XXXXXXXX XXXX {$320.00} - XXXX ( Restaurant ) XX/XX/XXXX, XXXX XXXX {$1700.00} - XXXX ( Restaurant ) XX/XX/XXXX, XXXX XXXX {$560.00} - XXXX ( Restaurant ) My first concern is that the transactions were not halted despite the fact that they were being made outside of my home country and for such a large amount. Secondly, I attempted to report the transactions as fradulent, but could not do so until they cleared. Once they cleared I was able to file a dispute with Chime through their app on XX/XX/XXXX. By the time I received the response from Chime about my disputes, I had gone to the XXXX. On XX/XX/XXXX I was notified that Chime had denied my disputes. I immediately requested the denial reason and documentation. I was told it could take up to 10 business days for me to receive the requested documents. 10 business days came to pass and I did not receive any correspondence from Chime. On XX/XX/XXXX I sent them an email stating that I had not received the documents and that I would be filing a complaint with CFPB and XXXX.
01/11/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • UT
  • 845XX
Web
originally my complaint was that chime banking lost a XXXX XXXX dollars somewhere but upon looking at all my documents not only did someone take XXXX XXXX from my account with no record of where it is but the original deposit amount was not even correctly deposited into my account. along with transaction errors that I was told were not incorrect by chime, also meaning they won't honor thier policy of provisional fees until the mishap was figured out.chime didn't even look into it.they gave it one minute before immediatly denying my dispute. they have ignored phone calls e mails any and all types of communicating effort to look into the matter. they don't have correct transactions they stole my money or letmy account be breached for someone to steal my money.. all around have mishandled my money and won't give any explanation as to where all my money is. my figure is around XXXX XXXX that is gone from my family and with no responsibility or accountability on chime banking end. which I believe is afiliate to the bank corp.this is unacceptable. I had held my utilities at bay for as long as I could waiting for my tax return and when it finally came chime does this to my family.it 's already been hard enough this year XXXX.i now have broken promises to my debts from waiting and they won't wait anymore.this has put an extreme hardship burden on my XXXX kids an myself. this needs to be fixed.
09/14/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 90008
Web
Last month I made a dispute with chime because when I had woken up there was a transfer from my savings of {$1800.00} into my spendings account then sent to a unknown person. I immediately call to chime and canceled my card and make a dispute. I gave chime all the information I knew so that they could help me retrieve my savings I told chime that I have my phone number connected to my chime account. So that allows me and notifies me whenever someone is trying to login to my account or make any transfers the day of the incident I did not receive any text notifications or emails telling me that there was a login attempt I had only been notified of the transaction once my money what's gone. the day after I made the dispute it was automatically cancelled, canceling there 10 day refund system I immediately call chime back to reopen the dispute. I sent in a police report and all other information I had for them to help me where am I claim to be denied again this is my second time having to reopen the claim I have taken every possible step to help chime help me retrieve what was stolen I know that this had to be a breach in chime security system because I was not notified when the intruder hacked my account I wasn't notified via email or via text which proves a lack of security on chime behalf I have also not lost or had any of mine information stolen for someone to have access to my account.
05/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10473
Web
On XX/XX/2022, i woke up to check my email as i usually do and come to find out it said my account balance is low. So i went to check my account and an atm withdrawal was made at XXXX XXXX of {$300.00}. I call chime immediately and explain the situation. They cancel my current card but tell me to wait til the transaction settles in order to open a dispute. The next day i check my account and the transaction is settled so i immediately call once again. They started the dispute and i patiently waited for the results. Within two hours i get an email saying that the investigation has been completed and that they see no error. I get upset and call back and the representative tells me to reply to their email and send in supporting documents or anything that can help me get my money back. When replying to the email, I stated that i have not made an atm withdrawal over {$40.00} ever, that my transactions only take place from XXXX XXXX to XXXX XXXX when im outside for work and only occur within the XXXX or XXXX. I sent them pictures of my transactions that showed time and location. I also stated that i do not be up at XXXX XXXX and have video evidence of me not leaving the house at anytime of the night. Even after all this, they still find no error. I want my money refunded. My card information was probably stolen from one the atms i used to buy food from a XXXX store. I want my money back
09/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OH
  • 455XX
Web
XX/XX/XXXX I tried to add {$200.00} to Chime from my XXXX debit card because I couldn't find my wallet and the only card I had with me was chime. It just said an error message when I attempted to add funds. XXXX ( my other bank ) froze my account because of attempting to add funds with chime because they " are problematic ". {$250.00} was taken from my bank account. Then chime froze the account only stating unusual activity. They requested me to verify my identity by sending the front and back of my driver 's license, a utility bill, and an explanation. I sent both sides of my license, the recent bill, and an explanation stating it was me that attempted to load my account with XXXX account so I could use their card. They never responded to my email even though it says 1 to 2 business days. I then called support. They then verified my identity and said I would get a response within 1 to 2 days which was a lie. I called again and they sent an email demanding social security cards, several bank statements, and more. They refuse to return the funds. I don't care if they close the account because I don't want an account that has no problem resolution and was useless in a time when I needed it. I want the {$250.00} they won't return returned to the bank account they took it from. It was more than I authorized to begin with. Nobody that answers phones will give information or a resolution.
05/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • IL
  • 62703
Web
I went into labor on XX/XX/XXXX and was hospitalized until the XXXX of XXXX. The day I was XXXX from the hospital, was a complete nightmare. My chime bank account was completely empty!! During my stay at the hospital, I had no access to any of my financial debit cards nor was in a state to be on my phone and monitor my financial apps. I disputed the charges right away as it was all the money I had as I was bringing home a newborn baby. I reached out to chime customer service via phone where they helped me file my dispute. I was told I was eligible for a temporary credit and I should receive it within 10 business days while my dispute gets resolved. The total amount of charges I disputed was outrageous! Every transaction went through!! I have no money. Ive waited. Ive called. Its been 11 business days and no one has reached out in regard to my dispute or temporary credit, as promised. Every representative repeats they have no further information? They say I am eligible and to expect it by XX/XX/XXXX, but contradicts themselves by saying within 10 days. It has been 10 business days. Ive uploaded documents and more! This is something I can not control but yet has took such a big toll on me and my family. I just wish chime would be responsible and keep their word! My temporary credit should have been disbursed by now. I am reaching out to you today because I am desperate and I am tired!
10/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30213
Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Chime/XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given CHIMEXXXXXXXX XXXX ANY permission to use any of my identifying information to commit fraud. Until CHIMEXXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and Chime/XXXX Bank continues to report this unauthorized account. I will file for litigation for actual damages caused and CHIMEXXXX XXXX will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A , extortion, theft by deception and securities fraud. CHIMEXXXXXXXX XXXX is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was attached to this said Chime/XXXX XXXX account and XXXX customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. XXXX XXXX XXXX
07/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • GA
  • 30297
Web
My name is XXXX XXXX. I recently received a check in the mail from the U.S Department of Treasury in the amount of XXXX. It was a Federal Student Loan Refund from the Department of Education. I deposited the check in my Chime acount on Wednesday XX/XX/2023. On Thursday XX/XX/2023 I check my Chime app and noticed that I have been locked out of my account. I received an email from Chime stating that unusal activity of a recenty check deposit requires necessary document requsted from me to be reviewed to unlock my account. I immediately uploaded all requested documents to Chime on XX/XX/2023 after I camed back from a family reunion vacation in Florida. I even took an extra step and Called the Department of Education to verify that the check was intended for me as the recipient. They said YES the check was for me. They sent me an invoice/letter via email for record of confirmation. I forward that email to Chime as well. Everyday I called Chime and no response on how long it will take for them to released my funds back to me. I have a total off {$8000.00} in that account and no way to pay my bills. I am behind on bills and on the verge of being homeless. I filed a compliant with California Financial Protection and Innovation on XXXX XX/XX/2023. My complaint # XXXX. I reached out to the local news and emailed them my situation to see if i can get some help on how to resolve my situation.
02/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 85257
Web
I recently filed a claim # XXXX for credit not posted. The merchant cancelled my online order/deposit and sent me an email confirmation that I would be refunded, however I never received the funds. I opened a dispute with Chime to get help recouping these funds, and was given a temporary credit. I sent over all the necessary documentation to Chime ( including a screenshot of the email from the merchant confirming all of this information ) which should have been an easy win in my favor. Instead, Chime emailed me correspondence from the merchant claiming the charge was valid and made by me because I have an account and made previous transactions. This has nothing to do with the claim reasoning, as I have done business with the merchant and the charge was not fraudulent - the reason for the dispute was credit not posted due to a cancelled purchase. Chime has abruptly closed my claim and deducted the temporarily credited funds from my account, making me negative and unable to use it. I will be appealing this decision with Chime, and Im opening this complaint to hold Chime accountable during this process so there are no more abrupt closures, as theres no reason why I have lost this claim. I need my documentation attached to the claim and reviewed by the investigators, my negative balance replenished with a final credit, and this dispute closed in my favor with the evidence provided.
10/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WV
  • 252XX
Web Servicemember
On XX/XX/23 I received a phone call from Chime around XXXX and the guy said there may have been fraudulent activities on my account. He send me several verification codes and told me to uninstall my Chime app from my phon. I did all he said to do. He would send me a verification code and ask me what it was. I was on the phone with him from XXXX until around XXXX. He kept saying he was having computer problems with downloading. With in that amount of time my address and phone number was changed on my account, there were XXXX transactions on my checking account from XXXX XXXX FL. There were XXXX transactions from XXXX for {$20.00}, XXXX transactions from XXXX for {$21.00} and XXXX transactions from XXXX XXXX XXXX in the amount of {$53.00}, {$54.00}, {$53.00} and {$64.00}. I called Chime and explained what happened, and they filled out a dispute form to return my money in the amount of {$1200.00}. On XXXX XXXX I received an email saying " 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 called Chime after receiving this and said this is wrong. I live in WV and I did not make any purchases in FL. They reopened the dispute, and on XXXX XXXX I received the same letter. I did not make these purchases and I really need my money back. They wiped out my checking and savings accounts.
07/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32117
Web
Chime bank denied putting stop Payments on my checking accounts however XXXX XXXX XXXX two account. XXXX. XXXX, afirm all account I paid with my routing and account number all instructions when I happen to go in and check all said same thing that the bank stopped payment this happened towards end of XXXX thru XXXX I spent 7-8 weeks trying to handle this chime wouldnt help me because they have no records XXXX XXXX XXXX was the worst inly would speak to me twice after that repeatedly hung up on me without ever speaking to me till this day I submitted in the only thing I could was my bank statement which shows money was there and that there is no record if return payment in the interim if doing this XXXX canceled my card and XXXX XXXX cancel one card so far both saying for multiple canceled payments which were two maybe three which again account information proves no payment submitted there was sufficient funds so now my balances have all gone up by at least {$100.00} and two cards closed and late reports to credit report and the dispute do nothing!! This isnt my fault I payed on time and if you look at my history multiple times a month so mot late either But I cant get anyplace the bank says the have nothing else to give me the cards dont care and I stuck in the middle with bills going up and up and up and credit score down down down cards closed!!! Mine which is my fault!!!
01/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KY
  • 40517
Web
On XXXX XXXX chime closed my account due to a reversal charge back in XXXX XXXX XXXX XXXX XXXX my direct deposit was sent to that account instead of returning it to my employer they deposited it after my account was closed. I have messaged chime customer service every day sometimes 5 times a day with no resolve but to tell me I need to email chime. Ive even reported them to the XXXX XXXX XXXX which they responded to them with they will refund my money to me after I send them a copy of my bank statement and my drivers license which I have complied with. All I get from emailing and calling is the runaround email tells me I have to call customer service customer service tells me I have to email my money is not being refunded Im not getting any explanation on why theres a hold up after Ive complied with all of the requests. Today I received a email saying that they have not heard from me so they are Closing my request for information today alone I have emailed them three times Ive emailed XXXX XXXX XXXX again today telling them that Im not getting anywhere with them all Im asking for is that {$600.00} that is mine my bills are not getting paid because they will not refund my money Im hoping you can help me I have every email theyve sent me Ive contacted my bank and they have never heard of anything like this and they cant help me they said because they dont know how to deal with chime
10/10/2023 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • NY
  • 106XX
Web
On or about XX/XX/2023 Chime closed my accounts. They said the account was closed because of suspicious loads ( deposits ). The only deposit was my regular paycheck. I understand that a lot of fraud occurs with banking and although my direct deposit is always from XXXX I understood that they had to be thorough in checking the legitimate deposits. I sent the documents to support that the deposit was legitimate and I gave them time to resolve the issue. I called back in XXXX and inquired about the funds. I was told that the balance of my account in excess of {$1700.00} would be mailed to me. I gave it more time and called back in XXXX. They requested proof of address, paystub, ss card, and state identification, I provided all that information again. In total I sent the same documents at least 5 times. After sending the information requested I received an email stating my account was ineligible for a refund. I recently spoke with a representative about this matter who again asked me to provide supporting documents and I did. He personally reviewed them and told me that he could see no reason for not reopening the account. I assumed the matter was resolved and attempted to log into the account to which I still do not have access. I called again and got the same run around. I did some online research and discovered that Chime has been notorious for closing accounts for no good reason.
04/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 184XX
Web
On XX/XX/2022, the Chime app notified me of XXXX charges of XXXX and XXXX at XXXX XXXX XXXX in XXXX, PA, on my checking account using my debit card while i was at work ( In XXXX XXXX, PA ) totalling XXXX. I checked my wallet and my debit card was in it, making this impossible. I immediately cancelled my debit card knowing that someone had my debit card number. No more than an hour later, I put in a dispute on both charges on my Chime app, in which I stated that I was at work with my debit card. On XX/XX/XXXX, I received an email stating that my dispute was denied because both charges were authorized. I called Chime member services the same day, and they stated that I would need to start a rebuttal and provide " more details ''. On XX/XX/XXXX, I responded via Email with more information. I provided an incident report from the XXXX XXXX Police Department, and the merchant location and information provided to me by the XXXX XXXX XXXX XXXX Department. The XXXX XXXX XXXX Department refused to release any charge or footage without law enforcement authorization. The XXXX XXXX Police Department has XXXX officers on duty and still has not called Redners to this day. I provided Chime with enough documentation that my debit was used without my knowledge. On XX/XX/2022, after XXXX weeks of phone calls with Chime XXXX XXXX, I closed my account and still have not been given the {$290.00} back.
09/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 95821
Web
In XX/XX/XXXX I signed up for a chime debit card using my friends link. so we'd both receive a {$100.00} incentive. It requires the referee to receive a direct deposit of min. {$200.00} within 45 days. I signed up and waited. Finally I received the following email : " Use the correct details in this email when setting up direct deposit -- - '' Hi XXXX, Letters with incorrect direct deposit setup details have been sent to Chime members who ordered a Chime card between XX/XX/XXXX and XX/XX/XXXX. The correct information is as follows : '' If youve unsuccessfully attempted to set up direct deposit using the prior information, please try again with the new information provided above. Your Chime card and Chime app display your correct bank details. Your account number remains the same. If you have any other questions, were here! Call our support team at XXXX ( XXXX ) XXXX or tap the chat icon in the Chime app anytime. Sincerely, The Chime Team '' -- - Using the incorrect routing # sent to me by Chime caused a delay of my direct deposit going through thus, disqualifying us for the $ XXXXi incentive. I have sent numerous emails and called and spoke to agents who promised to help me several times, yet no resolution. I expect Chime to honor their offer and pay us our {$100.00} we've met all requirements on our end. I shouldn't be penalized for Chimes mistake. Sincerely, XXXX XXXX
08/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NM
  • 87114
Web
I began receiving emails from Chime that referred to a bank account. I ignored them thinking it was typical spam. Then I received a debit card in the mail. I never opened the account with them. Trying to get a hold of someone in their company to block the account has been almost impossible. The options on their phone tree do not have anything for regular fraud. The closest thing was to dispute a charge on the card. I finally spoke to someone and they supposedly created a case and said I would receive an email follow up. That email follow up never came. So I emailed XXXX and received an auto reply that said click this link to live chat. I did that and that personal named " XXXX '' went round and round ultimately telling me I had to call. I told them I had already done that unsuccessfully and was very frustrated and wanted a more direct number or options to push on to get a person. They could not provide me with this information... I called the number and after getting hung up on because I presumably selected the wrong option, I finally was able to get a human named XXXX who took some info from and then proceeded to state that he would forward the information the " specialized '' department that would handle it. I feel like every minute that goes by gives the criminals more time to commit fraud. Supposedly I will receive an answer within 24 hours but they said that last week too.
11/20/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • FL
  • 32822
Web
On XX/XX/XXXX Chime bank notified me that via email/text that there was suspicious fraudulent activity on my account. This put my account on a lock or suspended. From that point forward I have sent numerous emails ( close to 10 ) and about 25-30 phones calls ( thats what it feels like ) and I have sent them everything they have asked for as far as verification of my identity. They even expedited my account to have this reviewed and in the end they say I need to way. Im sorry at this point its been 3 weeks of waiting. ALL of my savings/funds are in this account. About $ XXXX {$7000.00} is sitting in there and they want me to wait on their time. I have a life, a family, I need to pay bills AND EAT. I cant afford to sit around for whatever department for my money. This is sick and honestly inhumane to have this long hold on someone elses money. They dont respond to any emails and when I make posts on twitter they respond with XXXX there, thank you for your patience, we are still working on this case. Keep an eye out for a message from our Member Services. Its almost one month and on XXXX I saw many people having this issue and even one who waited over a year. I will not do this. The holidays are very close and I cant participate in ways that someone would like to. PLEASE HELP ME. Chime is so useless and can care less about their customers. Today is XX/XX/XXXX and Im still waiting.
11/28/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30286
Web
I had a deposit in to Chime account on XX/XX/XXXX at XXXX. Transaction ID number is XXXX chime close my checking account without any notice they never alerted me to the deposit of the amount of {$1100.00} that was made on XX/XX/XXXX they closed the account XX/XX/XXXX. Through research of my own the institution that deposited the money into the time account told me where my funds had been deposited after being lied to several times by time they are now saying that I am not eligible for a refund due to something in there agreement. I have went above and beyond trying to work this out with them they lied to me about XXXX weeks ago well it was XXXX the XXXX around that time and told me that I had a refund check from the account on the way that it could be up to 30 days before it was issued. I called today XXXX the XXXX and now they're trying to tell me that there will not be a refund check issue. They close my account for no reason but they are trying to say in the email I received that they decided to end their relationship with me at this time. I have been studying and researching cases online through chime and I see that there's over XXXX complaints since XX/XX/XXXX of XXXX against chime and there's several lost and found against them. I am asking that you guys do the next step in the legal process of helping me receive the funds that chime has stolen from my account. Thank you.
08/13/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CO
  • 80918
Web
I went to XXXX and tried to purchase an excursion package, however the company cancelled the excursions due to bad weather and told me that I would not be charged. After returning back home I still did not receive my full refund so I contacted Chime in order to file a dispute. Chime processed my dispute but told me I was not eligible for a provisional credit, however I should receive my funds back in my account within 10 business days. 10 business days turned in to 20, 30, and 60 days later. I have contacted Chime over 20 times and have been hung up on over 5 times, on hold for hours, transferred all over the company, been told I would be contacted several times and never contacted, and given the run around over and over. Then I was told that legally I would definitely get a response and resolution within 90 days. However when I contacted them on XXXX ( 90 days XXXX I was told it was not resolved and they need more time. I was told they would escalate the case and I would definitely be contacted within XXXX business days. As usual no one contacted me. I sent and email also and no one contacted me. I contacted them again today XXXX and was told they need to escalate the case again and they are sorry there is nothing they can do. This is the worse experience I have ever had with any company, not to mention a bank that is in control of my personal finances. This is ridiculous!
10/19/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30281
Web
I recently had an unemployment direct deposit hit my account for over {$10000.00}. On XX/XX/XXXX for the first time since XX/XX/XXXX. The direct deposit cleared with no problem.they let me use my money to pay off bills and now they want proof of paystub and a W-2 for them to release the {$8400.00} balance on my account. It hold them that there was no way I can provide a paystub for unemployment benefits and they insist that provide them documentation for it. I call the state of Massachusetts unemployment and they said everything was fine on their end in which nothing was wrong. Account information was correct. I provided chime with a snapshot of where the funds came from in the account. They also let my next unemployment check hit the account for {$260.00} on XX/XX/XXXX with no problem. Now they are restricting my account and not letting me access my account. I told them that I have been through enough XXXX for the last six months trying to getting to take care of my family. Im running out of time and will lose my home at the end of the month if do not have access to my account to pay these bills at home. I will threaten legal action and call my state representatives to make sure that they are held accountable. Since they are not a legal bank as states on their site they can not withhold my funds without a court order from a government entity. A clear violation of federal law.
11/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • IL
  • 604XX
Web
I was in XXXX XXXX visiting my brother on XX/XX/XXXX. I went to XXXX car rentals ready to rent a car. They told me they didnt accept chime so I had to go to a car rental that accepted chime or XXXX XXXX. Since you cant transfer money from different bank accounts to chime I transferred {$600.00} from my chime account to my XXXX XXXX A few hours later chime returned my mobile check that I deposited on XX/XX/XXXX and made my account- {$1100.00}. I called them about it right when it happened and they told me they there was an error but they dont know why and that I should contact the person or employer who wrote the check to verify it basically saying the check was bounced. I told my HR about it and had them on the phone with chime and they told her the same things they were telling me that there was an error and they couldnt see why and that we should verify the check with XXXX. She then told them the check is verified and there were no errors on the check. I called them literally 7 times since this incident and they gave me the same answer every time. I deposited this check on XX/XX/XXXX and it was cleared and posted on my account. Now a month later the check was returned to my account and made me- {$1100.00}. Chime is a very shady business that I was warned about at a CAR RENTAL. They stole my money and wont admit to it. I just want my money back because this is very unfair.
09/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • XXXXX
Web
Chime Bank is trying to cash stolen checks. USPS steals the checks or reroutes them to one of CHIMES affiliates. Chime blocks all transactions from the victim that has their checks stolen. To make any purchase you have to send Chime a " yes '' through a text message. To explain, my checking account does not have a 2-step validity, that is until a check is missing and Chime is trying to cash it for the thieves. I can not buy an Anti-virus subscription for approximately 30 dollars without CHIME blocking the transaction and requiring I send them a " yes '' in a message. Also, Chime would require a phone call in which you have to give them all of your personal information on transactions they have blocked. When you reply to CHIME to stop blocking your transactions, CHIME 's reply is you must send them a " yes '' Inadvertently, your " yes '' is being used to cash a check. Also, CHIME has two email addresses for my account. One of the email addresses was never given to CHIME and yet it is the same email address that has been compromised on the dark web. It is time for the US government to stop this company of outlaws from operating in the US. Finally, CHIME is allowing other criminals to cash checks through my checking account and the funds never show up on a statement. CHIME 's is money laundering stolen checks. This bank needs a forensic audit and a government investigation.
06/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IN
  • 460XX
Web
I had 19 unauthorized transactions to XXXX that I did not make on XX/XX/2022 on my chime card and I called them the same day and tried to get them to stop the transactions and they told me I had to wait until they posted and I couldn't even file a dispute until 3 business days passed the total on the transactions was XXXX and XXXX cents and they were made within minutes apart you can clearly see that it's a scam. I then called the merchant XXXX and they told me that I have to have and account or a XXXX credit card to make purchases through XXXX. They looked up my name my address my social security number my birthday and my email and could not find anything linked to me so my financial institution will have to contact them so they can work together to get this resolved I relayed this to the chime dispute center through a phone call and was informed that they would add this to the case for investigation and they continue to deny my disputes and I continue to call them every day asking why these disputes have been denied and I was informed that I have sent them an email to them with this information in it to get them ro reopen the disputes I emailed them with a reference number from XXXX where I reported it to them so they could work together to get this fraudulent activity taken care of and I can get my money back and they told me it can take up to 90 days in an email.
11/19/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • NY
  • 127XX
Web Servicemember
I received a notice today via my Chime app as it logged me out that my account was closed. I have received no true and valid information on why my account was closed after a direct deposit in which I consistently receive was made. I disputed an atm charge from XX/XX/2021 in which chime closed in XXXX days without reaching out to the atm merchant to open a dispute on my behalf to see what actually happen with the transaction. Other banks would never. They would file a dispute and investigate the dispute. I thought disputes take any where from XXXX days. Many of the people working customer service is very difficult to understand their speaking as they have foreign accents and then consistently they have no one to speak to as they advise you to email them and the email department for them is horrible. Lack of compassion for their customers, as well as lack of solid information for customers when they have an issue. That online bank needs to be investigated and closed as they await for people 's deposits to come in and then they decide to close the account therefore holding the customers money for an amount of time before the customers can access their hard owned funds. Its inconsiderate and a inconvenience to the customer in which they don't care. Then as I have spoken to other customers of Chime they have stated that they have had the same issue with the company. Chime.
05/06/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • CA
  • 92562
Web
I called saying that I owned an XXXX XXXX which has two debit cards attached to it. XXXX charged both of those cards for one account. I tried calling Chime and disputing any charges that were doubled from my XXXX XXXX. On the phone the lady and I could only find two charges and then the call dropped. When I woke up my account was closed. I checked my email and the lady disputed every single XXXX charge Ive made in the last 3-5 months. I never authorized these payments but chime closed my account. I have XXXX XXXXXXXX in that account and have bills to pay, otherwise I will be charged with late fees and possibly a lawsuit from my landlord. They say they will send me the money in a month and a half but I have done no wrong. They can check the recorded call of me and the lady or see that the time of the call was only 4 minutes and 27 seconds. I have done nothing to deserve this or my account being closed. I have been a loyal member who has followed all of the rules, I have only disputed payments that were either legitimate fraud payments or errors from any companies that have given me the okay to contact my bank for a refund. I have not broken any rules at all. I personally believe I have been targeted by the company or an employee at the company by being hit with a bunch of unauthorized disputes so that they could close my account or for other reasons unbeknownst to me.
04/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 432XX
Web Servicemember
At XXXX XXXX XX/XX/2021 i was called on my personal cell phone with an activation code from Chime. Between XXXX XXXX and XXXX XXXX on XX/XX/2021 i received 6 text messages with a security code for my new account. The problem I NEVER setup an account with chime - i was in bed asleep when this happened. I called Chime at XXXX at XXXX and spoke to an agent. She was difficult and sounded uninformed on how to handle wrong account information or fraud. She told me i must PROVE that my phone number belongs to me, they would need my phone bill to validate. She was able to validate that my name ( XXXX ) is not the name on the account. The IVR recognized my phone number so there systems are aware i called from my phone number. Yet they refuse to help me stop fraud = someone using my phone number on there account ( weather it is an innocent mistake or fraud Chime should NOT be enabling fraud .. they should be working to investigate each call where a consumer is notifying them of possible fraud. instead i have been brushed off as someone is using my information. Chime is either to small to create a fraud team to escalate & investigate issues or concerns- or it does not care about keeping consumers information secure and taking steps to mitigate fraud .... I need my phone number removed from this account as it is NOT my account - i have NO financial relationship with Chime ...
08/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 186XX
Web
I have been banking with chime for quite awhile now and have had absolutely zero issues with them. Theyre general customer support is always very fast and courteous which makes this current situation even worse overall. On the night of XX/XX/XXXX and into the early morning of XX/XX/XXXX i had XXXX unauthorized transactions to a website totaling over XXXX dollars and completely wiping my bank account of any funds. I immediately disputed every charge and was in a frequent chat with the dispute support team with my claims. I was lead to believe that a temporary credit would be served to my account while they " investigate " the charges which was great news since i had significant bills that needed to be paid. On XX/XX/XXXX at XXXX XXXX i recieved a very short e-mail saying no fraud occured and no credit would be issued, if i have questions to contact their support staff. I immediately messaged the staff only to recieve a computer generated response telling me i could recieve the documents they used to make their decisions but it would take at least 10 days, which is unreal to me. Im currently out over {$800.00} and its completely not my fault with absolutely no support besides the same generated computer response i get no matter the question i ask. I love this bank, its easily the best ive ever used, but this is awful and has destroyed my family and i 's mental state.
05/28/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 76132
Web
I got a loan on about XX/XX/2021 in my chime account and they had my acct.open after i received my loan of XXXX for about a week so on the XX/XX/2021 they closed my acct and i have emailed them time after time and after the second day they said i would have something in my mailbox in a week and i went to my mailbox and i hadn't received anything from chime so i emailed them back and they sent me an email saying i will receive something in my mailbox in 2 to 3 business days and i still haven't received any kinda do documentation letting me know why they close my account and the people who deposited to me is wombly they also contact chime because i have been with them for 3 years and chime let them know that they have no problem with them depositing my funds because i was in good stardards with them i have the email frm wombly to prove that they contacted chime before depositing my funds its now XX/XX/2021 and i have yet heard from chime they telling me that they are not gone refund my money and im not understanding why they haven't given me a direct answer and i also have other deposits coming to my card that im not able to get thats not right for them to just take my money and not tell me anything i really need help with resolving this matter i cant contact no one to talk to or anything i have bills that need to paid lije asap and i cant get no help with this matter
07/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OR
  • 97007
Web
I woke up Saturday XX/XX/XXXX to an unauthorized charge by XXXX for {$180.00}. I complained to my bank ( Chine/XXXX XXXX XXXX but they said they couldn't dispute it until it wasn't pending. They closed my card and issued a new one and I thought they were going to handle it! On Sunday the XXXX, something weird happened, {$39.00} of it was credited back, but {$150.00} still remained pending. It sat and sat and I was hoping it would fall off, but Monday morning it became a permanent charge. I instantly disputed it at XXXX and by XXXX I had a denied claim from Chime! Why? I didn't make this purchase! I have been a great customer for 6 or 7 years never having a claim. What kind of investigation could they have done with an online purchase in 2 hours? I called back to get the claim reopened and sent.them a ledger and history of my XXXX account which only included two concerts tickets back in XXXX or XXXX! I had no payment method listed or address available! Everything I read the bank was wrong because I was not careless with my card or pin. This was a purchase I didn't authorize but they are sticking me with it! No way to get the merchandise to send back cause I don't know where or who it went to. That was my bill money but Chime allowed someone to take it. Where do I go from here! I will do it!! Please help me resolve this with this bank.cause they did not investigate.
12/10/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • PA
  • 184XX
Web
On XXXX XXXX I received an email from support at chime bank indicating that I needed to provide proof of identity and address in regards to my checking account and credit account I have held with them for a year. The balance on XXXX XXXX in my chime checking account was {$73000.00} and in my credit account the balance was {$7500.00}. My account with them was suspended with no prior notice or explanation. I have no access to my money or to any of my funds. I provided the necessary documents immediately and my account is still suspended. I have direct deposit from my employer that was due to be deposited on XXXX XXXX and that deposit was rejected due to the account being suspended. Again without any explanation or further notice. I contacted customer service on XX/XX/2020 and was told that my account would be reinstated immediately after the documents were provided that they needed. I received an email from support at XXXX XXXX on the same day XX/XX/2020 that my documents were received. I still have no access to my account. Upon further investigation I have found numerous complaints from numerous sources that chime bank has done this quite often to many people. This matter has yet to be resolved and my funds are still unavailable. When I try to log into my account it says that my account has been suspended and to contact customer support. I have. Without any results.
08/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WI
  • 54016
Web
I have an account with Chime Bank. On Sunday XX/XX/2023, I woke up and had a notification from my bank that my account was overdrawn by over {$300.00} from an ATM withdrawal made on Saturday, XX/XX/XXXX at approximately XXXX XXXX. I had stopped at a Holiday gas station in XXXXXXXX XXXX at XXXX XXXX and made a POS purchase prior to heading to work in XXXX, XXXX. I worked from XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX. I called Chime right away that morning to report the charge as fraudulent. The agent on the phone took my information, started an investigation, and even said on the phone that it didn't look like my physical charge was used for this transaction. This transaction was also able to bypass Chime 's " security measures '' to overdraw my account by {$300.00}. I can not overdraw my account by that much using my actual physical card. I provided a parking ramp transponder report showing that my vehicle- and I - were in XXXX at the airport. Chime denied my claim based only on the transcript of my original call and the claim that I did not supply supporting documentation. I requested copies of the documents they used to make their determination and they sent me the call transcript AND a copy of the transponder report I had provided them as supporting documentation. At this point I am filing a complaint for Chime 's unethical business practices.
09/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • MD
  • 20747
Web
I have disputed unauthorized transaction on my chime account with chime on two occasions and both times the results of the dispute came back denied. They refuse to investigate properly to help me get my money back. They also informed me via email that they would send documentation used to investigate this matter within 10 days but they never did. Money was stolen from my card. The first occasion was on Tuesday, XX/XX/XXXX in the amounts of XXXX. XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX XXXX {$75.00} The second occasion was Tuesday XX/XX/XXXX XXXX. XXXX XXXX XXXX for {$100.00} XXXX. XXXX XXXX XXXX for {$200.00} XXXX. XXXX XXXX XXXX for {$100.00} XXXX. XXXX XXXX XXXX for {$150.00} The first occasion email they sent on XX/XX/XXXX said " Hi XXXX, We would be happy to send you the documents used in our investigation that helped us determine the outcome of your claim. This will include information that we had available to us at the time as well as additional information/evidence that the merchant provided to us, if any. Please know that we will send the requested documents as quickly as possible but it may take up to 10 business days. Thank you for your patience in this matter. Thanks, XXXX | The Disputes XXXX XXXX refuse provide to credit my funds back after I informed them that my card was stolen.
03/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • GA
  • 30223
Web
With chime on line banking account I called to update my email, they spelled it wrong, could not get back into my account, they sent me a check but it was spelled wrong to, they asked me to send them a selfie holding my ID where they could read it, did that saide they still could not read it, bought a special lens to enlarge it sent them numerous pictures of me holding my ID no they could read it now they're ignoring me and they have XXXX of my money that I have been trying to get back for months now and all I get is no response from them now they say that they received my messages but they never get back to me or reply to him my name is XXXX XXXX XXXX I no longer have the banking account with them so I can not call and talk to nobody in customer service I've been having to send through times support time emails I have a new bank that I have been with for years and years and I'm back with now and I've sent them my bank account number and I won't even reply what do I need to do to get my money in that bad because of this can not even afford to go to the doctors please help if you need to get in touch with me my phone number is XXXX and again my name is XXXX XXXX and no longer with time banking have not been for months now and I have a bank account with XXXX XXXX it was a check issued by XXXX until my account when I had it with them and they kept it I want it back
05/25/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • OK
  • 74006
Web
A CHIME banking debit card was sent to my parents ' address with my name on it. I did not request an account be opened. They have my social security number, telephone number, name, and address. I tried to contact them via telephone to close the account but you can not speak with a human over the phone. They direct you to a website and email address, that are the ONLY way to get human support. I did not want to give them my email address so I reached out to the XXXX and filed a complaint ( XX/XX/2021 ). Chime claimed that they can not close my account without a photograph of the debit card, and all my personal info like address, etc. I sent them a photograph of the card. I requested ( 1 ) confirmation that the fraudulently opened account in my name is closed and ( 2 ) information on how the account was originally opened, since this entity used my social security number. I never received replies from Chime. I requested this information multiple times and have not heard back. I believe Chime is opening accounts without running credit checks because my credit has been 'frozen ' for a few years since the credit agencys were hacked. They should not have been able to open an account had a proper credit check been performed. I still don't have confirmation the account is closed, but it was HARDER to close the account than open it. Chime should be investigated thoroughly.
11/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 10030
Web
My name is XXXX XXXX and I have had a chime account for 6 months now. never had a problem until recently where my account use has been suspended for some unknown reason. When I call Chime, I am told to send in my personal documents in order to verify I am who I say I am, and I still send the documents. I am a XXXX XXXX who XXXX XXXXXXXX XXXX I have no interest in any fraudulent activity and it is imperative that I have access to my money. I have no money at the moment because I can't get into my account. I have not violated any terms of agreement and use chime for everyday spending such as food and clothes for my family. Could this situation be rectified promptly, It is now going on 3 days and I have no response from Chime. I received my direct deposit 2 days ago and suddenly now there is a suspicion of unusual activity, when I receive the same check from the same school every 2 weeks. I have called, I have emailed, I am unhappy and would like to know the status of this investigation into my account. I literally have nothing without my account and need access to my money. I have committed no fraud, I am an honest working man who is a father and a XXXX. I need to feed my family and this procrastination is honestly inhumane and morally wrong. I have committed no crime, I work hard for my money and for it to be stripped from me because of an error a need answers.
03/14/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 34983
Web
Hi, My name is XXXX and I have filed multiple unsuccessful disputes with Chime. On XXXX, XXXX 2023 my account was fraudulently access from an unknown location. Once I receive the emails stating my phone never had been changed as well as someone logged in. I immediately called Chime. At that point, I was informed a transaction of {$2500.00} was made to someone by the name of XXXX XXXX, whom I have never done business or came in contact with. I did the necessary protocol to gain access to my account by providing my ID and additional documentation that was needed. My phone number had been changed so I had to update my email as well as my phone number with Chime. Now three disputes later, my claim in constantly being denied although it shows this transaction was not made from my device, my location, or using and my phone number. The chime claim IDs are XXXX, XXXX, and XXXX. I will also be attaching the documents I received showing my account was fraudulent accessed on that date and time of this transaction. Ive requested documents from chime to justify why my claims are being denied and I am being told my account have been accessed earlier that day, so therefore, that makes the transaction valid. Im very disappointed in Chime as a merchant because this is clearly not a valid transaction and whoever this person is must have looked into my account and saw I had funds.
12/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • FL
  • 342XX
Web
I received an email today XXXX, XXXX from chime letting me know that my debit card should have arrived and to activate it. I called in to Chime immediately at XXXX and got XXXX who I explained the situation to. He stated he closed out the account and that I would not be liable. I asked how was the checking account even opened and debit card mailed out when all three of my credit reports are frozen as it typically requires a credit check to finalize the opening of a checking account. He was unable to answer this question. I requested to speak to a supervisor and he stated that there was no supervisor available to speak to me in regards to fraud/identity theft and would not provide his immediate supervisors name. I then ask him to transfer me to the Fraud Dept and he transfer me to another costumer service rep XXXX. I then explain the situation to XXXX and request to speak to a supervisor and he transfers me to XXXX. I then explain the situation to XXXX and she was unable to provide me any information because I could not confirm the physical address used to open the account. The physical address used to open the account was not actually my address which is why I have not received any paper mail in regards to this account. Chime appears to not take Fraud/Identity Theft Seriously and skips basic measures to ensure they are not enabling fraudulent activity.
08/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98204
Web
I have been attempting to have this issue resolved for XXXX DAYS now but Chime 's customer support is absolutely atrocious. I have talked to chat support and they told me they couldn't do anything. I emailed and then the case was closed immediately. I emailed again and someone finally got back to me and said " she would look into it '' and then ghosted me ... Then I have had XXXX people in the last week tell me " someone will be in touch shortly '' but every time someone from Chime says that, I get lost in the system and have no follow up. So, here is the issue. I made my first ever cash deposit with Chime at XXXX XXXX in XXXX, WA on XX/XX/23 in the amount of {$230.00}. I gave the cashier the barcode that my Chime app gave me for depositing, she scanned it and rang the sale through, and gave me the receipt with a number associated with the transaction in case there were any issues. The receipt states it takes up to 24 hours for the funds to appear in your account and Chime 's phone system said XXXX minutes - XXXX hours. It has now been XXXX days and the {$230.00} has not been posted to my account. The receipt that XXXX XXXX gave me states it went to a card ending in XXXX, but my cards end in XXXX ( credit ) and XXXX ( debit ). The merchant was XXXX XXXX, store number XXXX, address XXXX XXXX XXXX XXXX in XXXX, WA XXXX. The transaction ID number is XXXX.
06/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • 95841
Web
So I paid off my XXXX XXXX XXXX credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said XXXX XXXX XXXX says it's current I paid off XXXX card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with chime credit card nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking account too nd now they lying nd saying XXXX didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car
03/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MI
  • 481XX
Web
Someone filed a tax return in my name to get the last stimulus check of {$1400.00}. I was incarcerated at the time of activity. They e filed the return. The IRS put the return on a XXXX XXXX card. ( now XXXX XXXX ) The person ( s ) opened a Chime Bank account in my name then had the funds transferred over. I tried to dispute the claim with XXXX but they said I could not because they thought it was me. I contacted Chime and they closed the account but would not give me any information on the account. No amounts, account numbers, dates, anything. After begging one employee she told me the amount was {$1300.00} ish because of a transfer fee. I contacted XXXX XXXX and they also closed the card account. The only info the gave me was that {$1400.00} had been put into there by the IRS but was taken out and put into a Chime account in XXXX of XXXX. If I am remembering the date correctly. I uploaded a police and an FTC report with Chime along with proof of my social security number. Chime told me they were going to send me info but after weeks I had to reach back out to them to get a confirmation email saying they are working on it. On XX/XX/XXXX, I received a letter stating of a debt for {$1300.00} ish from XXXX XXXX whom Ive never banked for a retail credit card. ( no name on retailer ) Im not sure if they are directly related but noted for report purposes.
09/19/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 800XX
Web
On XX/XX/2023 a charge of {$320.00} was made to XXXX XXXX XXXX XXXX using my Chime XXXX XXXX XXXX XXXX. This charge was unauthorized, and I immediately disabled the card and filed a dispute with Chime. Following their investigation, Chime determined that " no billing error had occurred ''. I am currently awaiting documentation from Chime with detailed information ( I'm told ) about the inquiry and determination. But since this dispute is regarding a straightforward unauthorized charge and based on partial information provided by Chime customer service indicating that my " purchase history '' may have factored in the determination ( I happen to sometimes shop at XXXX ), I intend to file what Chime calls a rebuttal. This complaint will be attached to documentation I plan to provide during that effort. I was not able to obtain any information from the merchant, XXXX, via their customer support call center, and I have not received a Chime statement containing information about the unauthorized purchase/charge, so there is limited information available on my end. I am not confident that Chime is acting in good faith in their inquiry and determination processes. And based on easy-to-find rules and guidelines, I believe that this constitutes a violation of both their obligations as a financial institution and a XXXX card provider, as well my rights under EFTA.
04/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • AZ
  • 85119
Web
On XXXX XXXX, I made a dispute complaint with chime because my purse with my cards and phone were stolen. I went through the correct protocol; reporting my cards lost or stolen, made a police report and disputed all charges. Chime notified me ton XXXX XXXX that a decision was made and I would be refunded my money no than the XXXX XXXX. Approiamately two days later I logged into my chime app and it stated a split decision was made and I was credited for an XXXX charge. I then notified them asking to speak with their supervisor. I did not understand how one of the charges were found fraudulent, yet the others were not. All of them were made at the same time frame when my purse was stolen. Also a lot of the charges were ( upon my own investigation ) were charges made to subscription I had canceled, and made to XXXX and or XXXX XXXX XXXX. If you can help me Id appreciate it. Chime is supposed to insure you against any fraudulent transactions made and I provided them with the police and all and still they have refused to refund my account.Also in the user agreement it states that a provisional credit would be available to the consumer 14 days after the dispute was filed until they completed their investigation which it was not provided. It was over a thousand dollars in fraudulent charges made and now I can not pay my bills. Thank you again for your time and help
09/18/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 33510
Web Servicemember
An account was fraudulently opened with Chime Bank. I was made aware of this account via email, otherwise I would've never known. I tried to reach out to Chime for assistance but was initially told I needed to be sure I didn't open the account or were trying to open a new account and close another one. After I received this email, I was extremely upset. I reached out to Chime a second time demanding this account to be closed. I also explained how all three credit bureaus have a fraud identity verification statement from me which they bypassed. Chime reached out again ( via email ) stating I would need to send in my social security card, drivers license and a picture of me holding my license in order for them to verify my identity. I emailed them back stating I will not send in these personal documents that were not required to open this account. Chime response was basically stating there was nothing they could do if I did not assist them with these documents. There is no telephone number to speak with anyone at Chime, they only respond via email. I am extremely upset during these hard uncertain times with the way I am being handled as a victim of identity theft. My personal information is out on the XXXX market and Chime doesn't seem to understand how they play a major role by skipping the appropriate steps to accurately verify potential customer 's identity.
05/10/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • NC
  • 27705
Web
On XX/XX/2023 I made XXXX transfer transactions to my chime account from my XXXX XXXX account. XXXX transaction in the amount of {$150.00} and a second transaction of {$520.00}. My account was fine with chime as I didnt have any problems with using my chime card until XX/XX/2023 as I received a email from chime stating that my account was on hold. I contacted them and I was asked to send them my identification card front and back as well as proof of me being the account holder of the account I transferred from. I did that no problem. I then receive a email saying my account is closed and I can not get any of my funds because it does not comply with the deposit account agreement. For more information please review the amendment and cancellation section of the chime deposit agreement. I went and did just that and read everything. I do not use my account for business purposes its my personal account as well as I dont have a business. I completely complies with each and everything they asked me to send to them and I kept getting the run around. I cant even get through to a representative via my mobile device at all as they have me blocked. This is rediculous all my information matches I didnt do anything inappropriate and again Im using my chime account for personal use never used it for business purposes in any way. Any assistance would be greatly appreciated.
04/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OK
  • 73112
Web
On XX/XX/2022 at XXXX pm, a thief drained my checking account I have through XXXX XXXX XXXX Bank XXXX XXXX XXXX {$300.00} withdrawals from the atm. Let me mention I did not give my card numbers or PIN number to anyone. I did NOT authorize these withdrawals either. The debit card was in my purse in my wallet when this happened. The withdrawals took place nearly XXXX miles away from me in XXXX, Texas at a XXXX ATM. Someone replicated my card according to the police. I called chime immediately and told them I did not authorize the withdrawals as this situation was theft/fraud. I also filed a police report in the jurisdiction where the theft took place XXXX XXXX Police XXXX ) Chime refuses to give me my money ack despite me taking all the necessary steps to prove this was theft. They would not even give me a provisional credit and now XXXX out {$600.00} over something I didnt do or consent to. I need help getting my money back as this is a large amount of money please. Their customer service is joke, basically told me I was XXXX, and their suspervisor, XXXX, was rude, condescending, and even mocked me. He thought my situation was hilarious. This is incredibly unfair and unacceptable! They denied my dispute and said they found no error despite what I supplied them with. I NEED my money back please. I feel absolutely violated and terrified this will happen again.
06/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 78748
Web
To whom it may concern, I have attempted on several occasions to reach out to the bank Chime customer service department via phone and email in regards to unauthorized/ disputed transactions on my checking account ending in XXXX. The following transactions are involved in the dispute : XXXXXX/XX/XXXX- {$110.00} For this XX/XX/XXXX order XXXX I returned all products to XXXX in which I have attached returned proof and shipping. I have tried reaching out to both XXXX and Chime regarding the matter, both seeming unwilling to help. XXXX XXXX XXXX XXXX XXXX {$20.00} XXXX XX/XX/XXXX account- {$70.00} XXXX XXXXXX/XX/XXXX- {$32.00} Total amount disputed : {$240.00}. I initially tried contacting customer service by phone over a month ago via telephone where someone hung up on me. On Moday XX/XX/2022 I sent an email to Chime member services at XXXX, with the above disputed transactions along with supporting documents. I followed up with my initial email on Thursday XX/XX/2022 and Friday XX/XX/2022. Additionally, I have tried contacting via telephone since then several times to get no response or a human answer. This has been an extremely frustrating experience, as this transactions were unauthorized or for items I paid for but did not receive. I have attached all emails sent to chime in addition to the original disputed transactions and other supporting documents.
03/02/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27265
Web
On XX/XX/2022, I received several app notifications from Chime about money being moved from my savings to my checking account and being spend on gift cards. I was at work when the notifications were being sent to me. My account was being hacked and they had access to my personal information. The amounts were {$300.00}, {$300.00}, {$100.00}, {$100.00}, {$300.00}, {$300.00} and they were all spent on XXXX gift cards. I then began receiving emails from XXXX about the purchases. That's when I realized not only have the hackers taken my money but they also now have my information. In total {$1400.00} was stolen from my account. I immediately contacted Chime to notify them about this and to tell them to freeze my account because the purchases were not made by me. Chime told me that I had to let the transition go through and they would dispute it after they went through. I also reached out to XXXX to notify them about an account being made in my name not by me as well as the purchases not being made by me. They informed me there was nothing they could do because the money on the gift cards had been spent already and to notify Chime. On XX/XX/XXXX I was notified that Chime would allow me to dispute the charges. Today, XX/XX/XXXX, Chime emailed me and notified me that there was noting they could do and alleged there was no error and that they were closing the case.
04/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MN
  • 551XX
Web
I was shopping at XXXX on XX/XX/21 and left my purse in the cart or at the register. After putting away my things after noticing I didnt have my phone I ran back into the store to try to find my purse which had my phone, cash, ID, house keys, etc. I immediately went to security and let them know that my items had been stolen and we went to look on the camera. We could see me at the register and putting my phone and purse on top of the shelf nearby to ring up my items and than I walked off in that same instance someone else walked behind me and grabbed my purse immediately and walked off. Soon after I seen this I logged into my chime from my friends phone to disabled my card and noticed this person sent someone money one for {$1000.00} than a XXXX XXXX to someone else for {$150.00}. I wasnt able to cut off my phone till I got to a store but once I was able to do that and finally get a hold of chime i cancelled the debit card connected to my XXXX XXXX I contacted my back right away they acknowledged that it was fraudulent and issued me a new card. Right after getting off the phone with them not even sending in the documents they requested they denied my claim automatically. I sent in a lot of proof including the police report I filed. This is not the first time chime has done this to me and Im not very happy about this because this was a lot of money
10/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NY
  • 10598
Web
On XX/XX/2021 at XXXX I received 2 emails from Chime ( part of XXXX XXXX ) stating that my account had been locked due to " an excessive number of unsuccessful sign in attempts ''. I replied to the email stating that I do not have a Chime account, I have never opened a Chime account, and any account with my name and email is fraudulent. Over the last 5 days I've repeatedly been directed to an unmanned customer service number that requires I enter my social security number, telephone number, and birth date. I've also been instructed to provide similar information, with a photo of myself holding identification, via email to the support team. With security being a primary concern I refuse to provide any of that information and have made no fewer than 5 requests to be provided with a direct line ( telephone number ) of someone I can speak with. It appears to have been " escalated '' to others on the support team, but there has been no progress towards a resolution. My concern is two fold. 1. There may be a fraudulent Chime account that is associated with my name, potentially damaging my credit and reputation, and Chime is refusing to provide any assistance. 2. The outright refusal to support, or provide a basic level of customer service leads me to believe Chime is not only complicit with fraud, but will refuse to take steps to mitigate fraud on their books.
04/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • PA
  • 151XX
Web
On XX/XX/XXXX I disputed the amount for XXXX, chime then closed my account on XX/XX/XXXX. The merchant accepted the charge back as I was wronged and chime apologized for the billing error and ensured me on several occasions that my account closure check would be mailed to me within 30 days, it is now XX/XX/XXXX and no check has been printed or mail and no tracking number has been provided. I had spoken with supervisors and reps some who said the check was sent some who said it wasnt some who just didnt care to help at all. I have lost my car, I am on the verge of eviction and behind on several bills. This situation has worsened my XXXX I am at my breaking point. The reps and supervisors have made tons of escalation tickets claiming they are not in charge of checks and thats all they can do. But the escalation tickets have been very unhelpful Ive had express the severity of the situation on several occasions the company does not care. They are illegally withholding my funds and giving me false information or robotic response that dont apply to my situation. Everytime I reach out for help they say your account has been closed on XX/XX/XXXX and funds will be returned within 30 days but no funds are being returned and its over 30 days. I dont know what else to do Im at my breaking point I just want my money back so I can continue surviving this is so wrong.
01/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • IL
  • 628XX
Web
I opened a checking and savings with Chime after I saw they were advertising they offer Free OD Protection called XXXX XXXX. Then later they declined two transactions at different times that were well under the {$20.00} they supposedly allow you for OD fees!! I called and shut both accounts down today due to their false advertisements. I wont do business with liars and deceivers! And the banks wonder why no one uses them!!! After I requested the accounts be closed and both have 0 balances and there are no outstanding payments XXXX the chat rep took forever to do what I asked intentionally dragging all out then sending the attached texts. Then Im the end said they would be closed in XXXX days!! Then sent this email making it look as if THEY had reviewed and closed my account to try to make me look bad and avoid accountability for their false advertisement and lousy service and products!! I want the accounts closed NOW and I want you, the FTC and IL Attorney General to go after them and fine and shut them down g go or false advertisement and not closing my accounts timely!! I used to be a Personal Banker and know what the process if closing an account involves, it is the click of a button, they are just trying to hang onto the accounts!! I am SICK of the crooks in this country as ALL are getting away with their deceit and taking advantage of all of us!!!!
11/12/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • CA
  • 95991
Web
On XX/XX/2020 I pre-ordered a bike from XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and pain in full {$870.00} and was told the bike would be ordered and shipped to my house within a week. Fast forward and XXXX hits hard and through many emails I was told they did not have the bike nor did they have an estimated time of arrival or even a tracking number. I contacted them many times to get updates and was never given any information. Come XXXX XXXX i received an email from XXXX stating they were cancelling my order and I would not be getting my bike ... that I already paid in full for. They advised me to go through my bank XXXX Chime XXXX to have them do a charge back so I did that same day. Chime told me to fill out a " Customer Statement of Disputed Transaction '' form and I did, faxed and mail it to them. They responded saying it would take XXXX days to come up with a decision. 90 days later early XXXX I received an email stating they were not giving me my refund. I don't understand how these company 's can not refund me my money. I paid for something and never got my bike. This is stealing and fraud. I just want my money back. I have all emails saved as evidence. Chime or XXXX needs to refund me my money. I have been very patient and understanding given the current situation with COVID and now this is getting out of hand please I just want my money back.
08/26/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 92337
Web Servicemember
On XX/XX/2020, a hold was placed on my account and I was unable to access my Chime Bank checking account which contained the majority of my money at the time, nearly 80 %. I promptly responded to ask if there is anything I can do to expedite the process. On XX/XX/2020, I was asked to provide the following : Provide an explanation and documentation verifying that you are the intended recipient of the pay-friends transfers from : XXXX XXXX Transfer from XXXX XXXX XXXX XXXX XXXX Transfer from XXXX XXXX XXXX. I responded saying that I do not know either of those two individuals. They might have sent me money and then reported the transaction as unauthorized. Similar to a public SWIFT address, I know that people figured out my Chime Pay Friends Transfer ID and have been sending me money and charging it back or something similar. A few weeks later ... The response from Chime Bank was Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ). I read through the entire Deposit Account Agreement and no such line or article even exists. I pointed out that this line doesnt exist in the Chime Deposit Agreement and all I received was an automated message back from the company. Said company may also be pocketing commissions from referrals I have been bringing them. I dont know where those are going now.
07/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 850XX
Web
XXXX Wednesday XX/XX/XXXX, XXXX {$100.00} Dispute # XXXX I did NOT purchase anything from XXXX. Although, I have a transaction on my credit builder card that I did NOT make. I never got an email saying I made a purchase, nor did I receive anything from XXXX NOR do I have a need to buy anything from them. When you make a purchase from a company, they send a receipt. Well, I don't have one because I did not make this transactions. Chime keeps asking me for proof. How can I have proof of something I DID NOT PURCHASE! a purchase I DID NOT MAKE! I have reached out several times for this issue to be fixed and they will not help. They are not doing their job. All they have to do is get their IT professionals and see where the purchase was made. I guarantee it was not made from my computer or phone. This is not the first time this has happened. This bank is horrible with their fraud department, and I will be switching banks as soon as I get my money back. There were actually two transactions back-to-back which is an obvious sign of fraud. Luckily, the second one was denied. It happened again yesterday XX/XX/22 a transaction was trying to post but luckily it was denied. I just want Chime to do their job, actually investigate, see that it I didn't make this purchase and give me my money back. This has taken up so much of my time and I want it to be over!
04/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19114
Web
On XX/XX/2022 I initiated 5 disputes that included mulitple unauthized transactions. On XX/XX/2022 I received multiple emails stating no error was found and my disputes were closed. On XX/XX/2022 I contacted Chime customer services and was advised documents would be sent to me. I also provided a police report for my rebuttal to the disputes that were denied. On XX/XX/2022 I received another email advising me that my rebuttal was denied and Chimes decision still stood since I did not provide any additional information which I did. On XX/XX/2022 I again contacted Chime customer service regarding my disputes and was advised to send the police report in again via email and the rebuttal request. On XX/XX/2022 I received an email stating the decision was the same with my error found. I again contacted Chime customer service and was advised I should have received the documents regarding the investigation decision and since I didnt they will put in a request and I should receive them within 10 days. I spoke to a supervisor XXXX that advised me that I would have to wait 10 days for the documents regarding their decision. I was also told by XXXX that I would have to provide additional information in order for my investigations to be reopened. I have provided what I have as well as filed a police report which I am not required to do but the bank requested me to.
03/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TN
  • 38109
Web
XXXX my account was suspended without any noticed from chime back. So I contact chime to see why my account was frozen they told me I needed to verify my identity to unfreeze account so I did as I was told and provided all documents requested in a email to support @ chime and also to review @ chime no response so after 3/4 days I received a email fro chime requesting for information so I sent them over with no problem praying to get my money in the middle of a pandemic chime told me they was closing account due to me not following rules so I agreed to closed account and a closure check will be getting sent to me in the account of XXXX. Sad to say that didnt happened. Chime bank stole XXXX of the money and sent me a closing check for XXXX terrible sad and ridiculous so I emailed chime and ask were is the other money they told me they sent it to unemployment I said how?? When the money never came from unemployment so I reached out to unemployment to ask did they receive any payment from me chime the told me no if chime sent them anything it be tracking number. but they did tell me they sent chime bank a payment of XXXX so the check chime sent me was from unemployment they stole the other XXXX dollars from me and all I want is my money back that I work for please help I have my attorney involved I have contact XXXX chime is still not complaining with me
06/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MN
  • 55033
Web
My initial call was because my XXXX XXXX account was negative and I didn't know how that happens there was a transaction on there that was dated for a certain day and time that I can prove I wasn't at the place. I begged I pleaded and I told these people not to deactivate my debit card. That's the card that's attached to the checking account on which I did ask them to block a merchant I did not ask them to deactivate that card at all and I need to make this very clear that multiple times I talked to multiple different employees and every time I told them do not deactivate this card I just want to block the merchant but they went and deactivated the card anyway. All I got from them was the first name of the man who deactivated my debit card and I don't even know why because it was already handled! And the woman I literally again literally begged not to shut that card down. Thank God that woman was incompetent because she shut the wrong card down which just so happened to be the card that needed to be shut down. But my complaint is my debit card was canceled after I had specifically said not to do that for no reason whatsoever now I have to figure out how I'm going to get my refund put into my account because they shut down the card it was attached to like I explained to them. This bank is junk their customer service has no clue about the banking laws.
03/08/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • WI
  • 53214
Web
On XX/XX/XXXX I opened an online checking/savings account with Chime Bank. In the next few days I deposited around {$1700.00} into these accounts through a bank transfer from My XXXX XXXX account and from a few XXXX XXXX transfers. On XX/XX/XXXX I tried to check my accounts via my phone app, and was notified my account had been suspended. I immediately called customer support. I was told they could not give me any info on why my account had been suspended for security reasons, and I must email XXXX I emailed XXXX on XX/XX/XXXX asking what was needed to un-suspend my account. I received an email back asking me to send valid ID and proof of residency. I emailed back a picture of my drivers license, my passport, and the property tax bill for my home showing I own it. On XX/XX/XXXX I sent a follow up email asking for confirmation the Identification I had submitted was acceptable or what more was needed to allow me to access my funds. I never received a reply. I sent more follow up emails on XX/XX/XXXX. XXXX XXXX and XX/XX/XXXX asking to please let me know what I need to do to get access to my accounts, and I still have never received a response back from them. They have left me locked out of my hard earned money for well over a month now with no explanation, and will not respond to me to let me know how to fix my account, and regain access to my funds
09/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MN
  • 55076
Web
When they did send me something it was not verifiable as it was only a transaction history report that is vulnerable to fabrication and alteration. Refusing to process my chargeback reversals that me and the merchant lucky creek agreed to and if intentionally stalling the arbitration process and refusing to accept the documents I have provided numerous times Also refusing to file the chargeback requests for another merchant chumba casino who through no fault or authority by me debited my account many many many times.. I notified both of these merchants of my identity theft reports and police report case numbers in regards to this matter and they refuse to put these matters into arbitration or supply me my funds back and this has been going on since XXXX so. XXXX I need federal investigation done regarding these matters immediately and any time loss pain and suffering and other damages that can be awarded to me for this blatant disregard for my rights and the regulations set forth in the different laws and acts for these specific circumstances.. I ask for max penalty enforced unto chime for this stressful harmful and dangerous situation they have put me and my family in from this.. I am XXXX and I have rights as a citizen I only ask to have these rights protected and fully defended and the burden and cost be put onto this monstrous evil company
03/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • KY
  • XXXXX
Web
I received a notice via email that my account had been closed. No reason other than " I violated the terms of the deposit agreement ''. Really? What terms? If you call from the phone connected to your account, the automated system directs you to send an email, and hangs up on you. I used a different phone and also could not connect with a representative. I finally had to use my husband 's phone, which is connected to his Chime account, to get to a live person. After 2 hours on the phone with 2 different individuals, I was told that they have no control over my account closure and that " I would be mailed a check for any remaining funds in my account within 30 days of the closure ''. That is not acceptable. I had funds in both my checking and savings, including my payroll direct deposit that had just posted the night before. After some internet searching, this appears to be something Chime is doing to a lot of their good customers, and keeping the funds from the closed accounts. I have contacted a Consumer Protection Attorney, who is investigating and is quite certain this is conversion. I want this bank shut down. They do not have physical branches you can enter to retrieve your funds, they limit your access to how much of your funds you can withdraw each day, and it is a major effort to even reach someone on the phone. They are committing fraud.
08/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 147XX
Web
I had my Hot water heater blow and my alarm companies water sensor failed. On XX/XX/XXXX XXXX XXXX deposited {$250.00} to my account. Ive spoke with XXXX XXXX and they supplied me with the deposit form showing Chime Bank Formally Stride NA bank received these funds. Ive spent countless hours with Chime to hear the same Page of the same book talking about escalating to a back office. I have been told for a week straight that this back office would be in touch. I provided Chime with the documents proving the money was transferred yet they claim they can not find it so I must continue to wait. I should be given a provisional credit in the amount of {$250.00} while the supposed back office finds my money. Additionally during the time of my deposit I received an email stating deposits were working again. Clearly they had a known issue, Chime bank has the proof needed to immediately credit my account yet they refuse to do so. This in my opinion amounts to theft, Inwant my deposit. Why should I the 3 year customer have to wait for them to find their error? Can not reach anybody not reading the book of the same stuff to say. The customer support provides no customer service and instead reads off a line that all complaints go to this back office. Ive requested the back office on numerous occasions and have not heard a word back.
06/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 23234
Web
Bought a new TV and never activated XXXXXXXX XXXX XXXX .When trying to activate it on my new TV it gave me a code to sign on with my computer or mobile phone. I choose using my mobile phone. It said i was having trouble signing on with code and gave me a number to call. Thinking that this was a secure server that XXXX had in their network i called the number. The person who answered said that he was with XXXX XXXX department and somebody in Ohio was using my account. So in order to make sure my account was not being used he needed to go through a verification process to confirm my identity. He said that we were going to do some dummy charges to my card and that it wouldnt be charged to my account. Also if they were XXXX would be held responsible for it. After several verifications he said that the process wasnt finish yet. So i began to get cautious and started snapping pictures of the charges and watching my accunt on my laptop. When i seen my account getting to be less than what it was i required him to put my account back to what it was or i wanted to speak to a supervisor. That when credited my account back with XXXX $ and XXXX $ with the XXXX logo that said refund and cancellation and with chime when money is credited back to your account it credited in green. He re credited my account back so i was thinking it had to be someone with XXXX.
01/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NJ
  • 08021
Web
I have consistently made rebuttals and claims within the past few weeks with chime. I had money fraudulently taken from my account. I live in New Jersey, was at work and received multiple fraudulent charges totalling of $ XXXX dollars. Each charge was {$24.00}. Not only that, afterwards there was another charge of $ XXXX that luckily got denied because the funds weren't in the account at that point. I made a claim, and for weeks I've been tossed around like the issue doesn't matter. I keep getting things back saying they think " no error has occured '' ... how would it be possible for me to made transactions in XXXX XXXX XXXX when I was working in New Jersey and didn't even have my phone. I submitted a rebuttal, submitted proof of my work schedule, location, as well as the locations of the charges. Not only that, I got a new different card in the middle of that, and the fraudulent charges happened again. This time for {$10.00} and {$25.00} from XXXX XXXX. I was asleep at this time. After that, another charge of over $ XXXX tried to come out at an XXXX jewelry place. I spoke about this and submitted a claim again, and again, same result. It was denied and asked to submit a rebuttal. This bank is either scamming people in these scenarios even when they get proof. This may even most likely be happening to many other customers. This is ridiculous.
04/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AL
  • 361XX
Web
On or about around XX/XX/2023 through XX/XX/XXXX of 2023 I had my federal tax return deposit into my newly open Chime account expecting to receive my funds. On XX/XX/XXXX of 2023 at XXXX XXXX was in an accident on interstate XXXX XXXX Alabama I was rushed to XXXX XXXX and due to injuries when I was discharged on or around XX/XX/2023. I went to log into my Chime account on my laptop to see that my funds were deposited into my account, but there was 98 unauthorized transactions. I reached out to Chime to dispute the transactions. They denied my claim, claiming no ever found. I did a rebottle dispute still to come to the same conclusions I sent over hospital discharge report a police report and a signed statement from an officer, stating that I did not authorize transactions and I was hospitalized at the time with this being said, I was supposed to receive a provisional credit on XX/XX/XXXX of 2023 only to be told again no error found. I am on my third we rebuttal with this company with no relief in sight. Something needs to be done I did not, have my ID nor my wallet or phone which was reported stolen in the police report and hospital discharge report it also states I was brought in, with none of the above, so for this company to keep stating that they see no error is beyond me only thing I would like is my money to be placed back into my account
12/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • GA
  • XXXXX
Web
On XX/XX/12 I logged in to my Chime app to which I see that my secured card account has been overdrawn. I am immediately alarmed and reach out to support to find out how this could have occurred when I have the safer credit building feature enabled on my account which is advertised as the option to use so that you dont ever have to worry about having to make a payment. Also that is operating against the initial definition of a secured credit card - one in which you are only allowed to spend the amount you have added to that card. I reached out to the chat agents including XXXX, a team lead, that stated the same thing Ive written above. My secured card account should not be overdrawn as there was no available balance to be spend on the card, as Chime has stated would need to be there for a transaction to be approved. I have attached image from my conversations with the Chime agents below.in response Chime states that maybe the transactions need to be disputed, extremely concerning considering the fact that I asked how transactions could be approved on a secured card when this card has repeatedly been advertised as a secure way to build credit. The money deposited in to said account is used to cover charges each month therefore charges should not be approved if the balance is not available. This product is being advertised in a misleading manner.
11/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 94804
Web
On XX/XX/2022 in preparation of changing my phone number In my Chime App I sent myself {$190.00} using my alternate phone number ( XXXX ). I understand my money transfer is non refundable in the case of money being transferred to the wrong recipient. I snapped a screenshot of my receipt which confirmed I transferred money to my phone number ( XXXX ). The next day I had not received my money. When I checked the my transfer history which displayed My transfer went to XXXX XXXX The person who owned my number before me. The next step I took was I requested {$190.00} from XXXX XXXX XXXX please send it back. My request was received on My phone ( XXXX ). I started a dispute and received the instructions for providing documents to proceed changing my phone number in my account. Shortly after I received a confirmation that my number was changed to my current number ( XXXX ). The following days I expected to receive a credit to my account because It is clear that all of the transactions were done using the ( XXXX ) phone however I didnt see anything my claim was denied. I then had my claim reopened I sent pictures that time but the very next day my claim was denied Chime wont put me in contact with investigators or anyone else with authority. I am XXXX. Im on a fixed income and my storage app likes. My bills are late based on this whole ordeal.
09/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 774XX
Web
I had a Chime account with around {$200.00} in it. I had a negative balance on my Credit Union checking account and used my Chime account to transfer funds to bring it out of negative balance. On XX/XX/2022 i sent {$40.00} from my chime checking account to my Credit Union checking account to bring it out of negative balance. My bank declined the transaction because I was suppose to send the money to my savings account instead of my checking to remove the negative balance. Chime suspended my account because my bank declined the mistake i made. When I contacted Chime they asked for documents to prove any suspicious activity. After giving them the documents they never unsuspended my account. I contacted them again just for them to tell me to send the same documents again. After the second time I got the same repeat email about sending the same documents. I call Chime a few times only to be told they cant do anything. I asked them to close my account and send me my money by check and they told me they cant until i send the same documents again. Chime is sending people in circle just to keep people money and it seems like they are using this money for something else maybe investing or something illegal and thats why they keep people money without returning or until they can pay you back it is a shame these companies are allowed to operate like this
04/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 773XX
Web
When I was released from XXXX on XX/XX/XXXX I realized that my account had several transactions that were fraudulent. I have filed a dispute with chime bank regarding these transactions. I have provided them with verification that I was in jail during the time of these transactions and could not have made them myself. They have closed my dispute 2 times and said that no error has occurred. The last time I filed a rebuttal and they stated that I would have access to the fund today and be able to used my account as of XX/XX/XXXX but once again I was told that I could not have access to these funds and that I have to wait even longer. I have already waited over 30 days and continue to get the run around from chime banking. I have children and have been stranded out of state after having to attend a funeral of a dear family members and I am unable to get home due to my funds being caught up and not available for me to use. My kids are hungry and my bills are due and we are stuck staying in my car while waiting on these funds. We have been stranded for over 30 days and I cant wait any longer for these funds to be available to me. It is deeply important for the well being of my children and myself that the bank provides the provisional credit as they stated they would so my children and I may go home and I can take care of my financial obligations.
07/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NE
  • XXXXX
Web
Wednesday XX/XX/XXXX I received a email from Chime stating they were closing my account stating I am not in compliance with their internal policies. This is what the email stated : After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : XXXX. To potentially access any remaining funds provide context and docs proving authorization of the following transaction ( s ) : XXXX XXXX XXXX {$650.00} XX/XX/2021 Kind Regards, XXXX | Chime Support I went back and forth through automated emails and finally got someone to tell me what I need to provide. So I provided a picture of my original unemployment letter, picture of my photo ID and photo of a bill with my address. Unemployment payment have been being deposited to this same account since XXXX without any issues. I can not contact anyone by phone. I did call XXXX unemployment and they have no idea why my bank is asking for additional information and will not return my funds. A deposit for my XXXX child tax credit is what they now have holding. I can not access the exact amount of what was in the account but it was about {$450.00}.
11/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MN
  • 560XX
Web
( Update ) Very alarming behaviour by Chime. Reffering to previous complaint. This is not a duplicate complaint. I am rquesting more documentation. The CFPB has approved me to open an additional complaint and request documentation. Chime has failed yet to provide any solid documentation they say is " compelling '' I am requesting this compelling information from Chime and the merchant XXXX. In the previous complaint with the XXXX XXXX XXXX as well as the CFPB I did request this information. I believe chime to be misleading. Also misleading government agencies as well as consumers. I am asking Chime to re-open my case ( Update XXXX ) I thank the CFPB for allowing me to add this additional information. Chime sent some documentation that is very alarming and I believe alarming to any consumer or government agency. They sent 3 documents to my E- Mail. 1 Intake. This is just me discussing the case. 2 Intake. It's just a picture of the back if my I.D . 3 Intake This is the most alarming of all. They blacked out information!. They blacked out the case number. They blacked out the merchant response. Blacked out merchant REF, ARN and Control number. This is just unbelievable. They don't even have the name of the merchant. Chime did no investigation. I believe they are commiting fraud and purposely not refunding customers on any dispute.
02/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30122
Web
On XX/XX/23 Chime Bank advised that security restrictions were put in place on my checking account due to a transfer of {$1500.00} that I initiated from XXXX XXXX, which is my primary bank for funds. Chime requested multiple times over the next few days for me to upload the following information : Driver 's License, Secondary ID, Source of Funds, Rationale for Transfer, and a Selfie picture holding a piece of paper with the date and also one of my forms of ID. I provided these documents on several attempts through their secure portal. After repeated failure of Chime to release my funds, I asked for the account to be closed on XX/XX/23. Chime claimed that they would send whatever funds were left in the checking account to the address I have on file. On XX/XX/23, I received an email from Chime asking for the documents again, and I responded advising that I had closed the account and a check was to be mailed. I received a second email on this same date advising that before a check would be issued, the security measures are in place and must be resolved. I again uploaded the documents they requested with an additional proof of ownership of the XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX I advised Chime that I would be filing a complaint with the Consumer Financial Protection Bureau, and also have hired legal council to represent me in this matter.
08/25/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 243XX
Web Older American
My debit card was compromised they closed the car that down issued me a new one there's a {$150.00} charge go through my account from jail for a XXXX XXXX I do not know this man I disputed this on XX/XX/XXXX they told me after 10 days if they had not resolved his they would have to make a provisional credit the provisional credit should have been s*** been issued by XXXX on XX/XX/XXXX it did not happen I called the bank repeatedly daily I have emailed I have done everything I can do I got my water Disconnected by giving my money away I had blood poisoning can't even wash the leg off the count the bank but this money go now they're refusing to cover me and her FDIC guidelines they assured me I would have a provisional credit on XX/XX/XXXX by XXXX XXXX this is now the XXXX of XXXX at XXXX XXXX I still don't have this credit but I hear now is we have a resolution by XX/XX/XXXX I can't go without water for three months please as it's nice to give me the provisional credit ASAP for I can withdraw with and pay my water bill and get my water back on I beg of you please help me my name is XXXX XXXX address to XXXX XXXX XXXX XXXX Virginia XXXX my date of birth is XXXX XXXX last four of my social is XXXX Flash Forward the card and now have is XXXX you can publish is the please remove my personal information as I am a victim of identity says right now
06/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MO
  • 64152
Web
On XX/XX/23 at XXXX, my email and chime bank account were hacked. I received notification that 3 unauthorized charges had been placed on my account and immediately contacted Chime. Within less than 30 minutes, I disputed the unauthorized charges, reported my debit card, and changed my online banking login credentials through Chime Customer Support. One of the charges in the amount of {$1.00} was immediately refunded and credited back to my account the same day. The other 2 charges have been disputed and denied 6 times although the charges were made within minutes of one another. The charges for {$400.00} & {$230.00} made at a XXXX XXXX located in XXXX XXXX, NY have been repeated denied although I have provided more supporting documentation with each denial such as work call & email logs at the time of the charges, XXXX XXXX manage contact information, time & location stamped photos of myself in my resident city of XXXX XXXX, MO. I also contacted the merchant myself and was told that no contact from Chime on the store level where the purchase was made had taken place. I have placed requests to Chime on 3 of the dispute rebuttals for documentation showing the investigation process and findings that were used to deny my disputes which I was told I would receive in 7-10 days but still have not received for any documents for any of my rebuttals.
11/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MS
  • 390XX
Web
During the Pandemic along with many others I filed for unemployment. At first I selected to have my funds sent to my account on Chime. When the second payment hit. They lock my account and told me it was due to fraud. my unemployment benefits hit my ChimeXXXXXXXX XXXX account XXXX XXXX XXXX XXXX in backpay in the amount of {$9300.00}. On the day of XX/XX/XXXX Chime froze my account with no warning. They question me on how I received the money, and even though after answering all their questions ; their own Representatives finding the source of the money for themselves ; proving identity several times, having my company write them an official letter. ChimeXXXX decided to close my account. And told me The only possible way for me to receive the money at this point is for XXXX to issue a Letter of Indemnity to XXXX. Keep in mind this is during the beginning of the pandemic and you couldnt get in contact with an agent at XXXX. I decide to call more higher up channels. So the officials I manage to talk ( The XXXX of XXXX ) I was told they dont issues such letters. That any letters that they are allowed to send us is already include in our back office. I understand that Chime used their right to close the account because of the cardholder agreement. However, I feel like the least they can do is send the money back to me since XXXX wont touch it.
08/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OR
  • 97214
Web
On XX/XX/XXXX I took XXXX dollars from a ATM. On XX/XX/XXXX I saw that my account had two ATM charges for XXXX dollars Four minutes apart for the XXXX of XXXX. So XX/XX/XXXX I immediately filed a dispute for duplicate charges. I was told it would take up to 45 days to resolve my issue. On XX/XX/XXXX I'm recieved a email saying they closed there investigation and no error occured. I requested the documents they used to make there decision. I was told this would take 10 days. They sent me a secure link on XX/XX/XXXX. I did not see the secure link until XX/XX/XXXX. When I opened the link it was a receipt from the merchant for a single ATM transaction of XXXX dollars that said cash dispensed. I told them that's not my dispute and I should be credited the amount to my account since it has been more the 45 days. They then told me t he ey were still working on it and a final desicion will be made by XX/XX/XXXX. This has gone back and forth since. I got another email on XX/XX/XXXX saying they made there desicion and my rebuttal provided no proof. I told to them I did not rebuttal and they should credit my account. It's been well over 45 days and in that email I included a few attachments as proof they messed up. Today XX/XX/XXXX I received a email from them saying they received my rebuttal and documents and to allow them 45 calender days to respond.
11/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 35404
Web
On XX/XX/XXXX I received my son 's XXXX deposit into my Chime account his deposits has been going to this account for over a year, on XX/XX/XXXX I tried using my card to make a purchase it kept declining so I tried logging in to my Chime account and I kept getting error message that the account was locked, so I contacted customer service and was told the account was locked do to suspicious Activity and that I would need send in documents to prove my identity so sent what was requested I received a email that someone would reach out to me with in 4hours didn't hear from anyone so I called them back and explained to them that my son needs medication which he's out and that it was important that I Access the money I was then told that someone would contact me with in 24hours and that my account was now closed because my SSN doesn't match what IRS has listed and that I need to fill out a w-9 form and send it I did that and pretty much keep getting the run around one agent says that the documents has been received and then the review team is telling me that they haven't been received I have sent in these same document over 10 times and still it's XX/XX/XXXX and I Still can't access my son 's money and I don't have a way to pay any of my bills and XXXX is pretty much saying that it's nothing they can do to help me if they don't release the money
12/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 90025
Web
On XX/XX/XXXX I received a XXXXXXXX XXXX XXXX from Chime in my name. I received a text to XXXX XXXX XXXX cell that the card had been delivered. I never asked for this card and had never heard about Chime before. On XX/XX/XXXX I called the phone number on the card and were asked to give personal identifying information ( last XXXX # XXXX XXXX XXXX XXXX XXXX, etc ) before they would even talk to us. Eventually they said this was identity theft and said they would send me an email. I was given a ticket # XXXX. I never received an email. On XX/XX/XXXX I called again and had to repeat the entire process again. I tried to give the ticket number telling them there was already a case report but they refused to take it. I asked to speak to a XXXX XXXX XXXXXXXX ) who also refused to take the ticket number, asked me all the personal info questions again and gave me a new ticket number ( # XXXX ) and was told again that they would look into it and send me an email. I still have not received an email. When I asked if there has been activity on this account they refused to tell me. I am concerned that this company is a fraud and now they have even more of my personal information. Their customer service workers do not understand basic XXXX and had a hard time understanding what I was trying to tell them. The phone number on the back of the card is XXXX.
12/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AR
  • 72205
Web
On XXXX XXXX I used my chime debit card at XXXX XXXXXXXX XXXX to withdraw {$600.00} from the ATM. A message came on the ATM screen that read money can not be dispensed at this time. The machine returned my debit card back to me with a non-dispense of funds and no receipt. I checked my checking account and {$600.00} was deducted from my account. I immediately called Chime support and they informed me they would submit a dispute on my behalf and I would receive a temporary credit until the matter was settled. I received a email from chime support that my claim was denied. I requested documents from Chime explaining the reason my dispute was denied, I NEVER received them even after numerous calls. I then got in touch with the merchant who informed me a refund was placed back to my bank holder, which I told them I never received and my bank is denying my dispute. The merchant then provided me documentation stating what happened with the non dispense and when the money was returned to my account. I did forward those documents to Chime support in a email that they still denied after I provided documents. Ive called chime support several times with no resolution or funds credited to my account. When calling chime support they have no ideas why my dispute is being denied after giving information from the merchant and informed me to resubmit them.
03/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • CA
  • 93552
Web
A fraudulent transaction of {$68.00} was initially charged to my credit card on XX/XX/2021 to Delivery.co.uk which is a food delivery service in XXXX XXXX. I would never order any service from them since I live in XXXX, California and they only deliver food to customers in XXXX XXXX. The credit card company noticed this to be a questionable transaction and so it sent me a text message asking me if I authorized that transaction. I immediately replied NO and so they told me that they would block the transaction. So then I canceled the card and ordered a replacement card suspecting someone got a hold of my credit card number. I contacted Delivery.co.uk and they told me that they told me that they never made that transaction nor do they have any records of me or my credit card number in any of their databases. To my surprise, the next day ( XX/XX/2021 ), not only did the transaction still show up in the transaction list in their mobile app, but the amount changed from {$68.00} to {$96.00}, which should have been impossible since they already texted me that they blocked the transaction. Furthermore, I canceled the card the previous day so the card shouldn't have even worked. Then it changed again on XX/XX/XXXX to {$95.00}. That's when I finally realized that it was the credit card company itself that was making these fraudulent transactions.
11/20/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IN
  • 46235
Web
There was fraudulent activities on my account with small amounts of money being taken from my account that later turned into large amounts ( $ XXXX- {$20.00} turned into $ XXXX- {$500.00} ). I called their dispute line to bring it to their attention and they did absolutely nothing about it. Then, on XX/XX/XXXX of XX/XX/2020, Chime Bank closed my account without any direct or clear reason. I tried to get in contact with them through their support email and Chime ignored several of my attempts so I then proceeded to contact the attorney general office and file a claim. They continued to ignore me until I brought to their attention that I was opening a case with the attorney general. Then they proceeded to tell me that it would take 30 days not including a 14 day processing period to receive my funds. Ive yet to receive this check in the mail that they had promised me. This was the main bank I was using to get my direct deposits from work deposited into. I had a loan that was deposited into that account for over {$6000.00}. My rent ended up being late because they rejected my automatic withdrawal. Im behind on credit card bills, loan payments and wasnt able to renew my lease with my apartments due to this inconvenience. Im currently XXXX and living with a friend. This has given me XXXX and XXXX out of this world. Im at my wits end with this.
10/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 110XX
Web
On XX/XX/XXXX I went to my local fee free atm ( company : XXXX ) at XXXX advertised by chime to withdraw {$380.00}. Unfortunately for me I wasnt quick enough to grab my money and the atm retracted the funds back into the collector. I then followed the prompt on screen to call my financial institution for assistance but upon doing so a chime representative told me to wait for the transaction to complete pend and wait to call back. So I call back on XX/XX/XXXX to file a dispute and I tell them everything that happened up till that point. Im later told on the call with the representative that the dispute will be sent to a investigator and will be reviewed and that I will get a temporary credit for the time and that this whole situation will have a review time of XXXX, XXXX to XX/XX/XXXX. This morning I wake up to the dispute being denied which seems rushed and not at all investigated to the lengths in which it should of, and so this prompted me to contacting the company XXXX and seeing if they could help point me in the right direction and upon talking to a representative, she told me to request a Regulation E form and just incase request the Denial letter to see how they got to that conclusion. If it is a security feature of the atm then it should only be natural that I should be within my right to have that money returned into my account.
10/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30342
Web
On XX/XX/2022 I opened an online checking account with Chime XXXX XXXX XXXX XXXX XXXX and XX/XX/2022 I authorized with a voided check an auto-draft of {$200.00} per pay period ( bi-weekly ) be deducted from my to Chime checking account of which I received a debit card. On XX/XX/2022 I received an email after I called customer service to check my balance and a transaction was declined in XXXX or XXXX. I received an email titled ACCOUNT UPDATE ( following recent review of your checking account, we regret to inform you that we have made a decision to end our relationship with you. Your checking account will be closed XX/XX/2022. I emailed Chime support to reset password and check balance of my checking account which was over {$800.00} on XX/XX/2022 that's when i was informed that there was an issue with my account. Emailed with representatives back and forth in XXXX and was promised the balance in my account would be refunded of which was not. Short of a long story I have been waiting for the balance of my closed checking account to be refunded and was told they have upto 30 days which was on XX/XX/2022 its now XX/XX/2022 and I haven't heard anything from Chime and when I call I am referred to Chime.support.com. See Attached /Uploaded Emails : I am unable to attached the emails between myself and the company. Please provide a fax number
08/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TN
  • 372XX
Web
I had a credit builder account with the company Chime. One day I was going on a trip and booked an XXXX with my credit builder account for my first portion of payment for my XXXX. The credit builder account for Chime was XXXX. It messed up my credit a lot. I close my credit builder account a few weeks later. I paid the rest of my XXXX with my regular chime checking account because i closed my credit builder. my XXXX host unfortunately canceled my reservation. the first portion of my funds that was paid to reserve XXXX ( {$92.00} ) was refunded to my CLOSED credit builder account. I reached out to chime since XX/XX/XXXX ( exact date when XXXX refunded my money to my credit builder ) for about four months ( last outreach was today XX/XX/23 ) they gave me the runarounds for my money. First they kept telling me that it was already refunded, and that I had already received it after me repeatedly telling them that the funds are on my closed credit builder account. They closed my dispute after I kept repeatedly asking for an update on my funds, and where my funds were. Once they were finally able to see that the funds were on my closed credit builder account, they kept telling me that I would receive a check. I have reached out several times in regards to this check and still not receiving a check in the mail. I literally just want my refund.
04/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 751XX
Web
XXXX in the amount of {$2000.00} on XX/XX/2023. I contacted Chime on XX/XX/2023 in regards to my transaction. They made me aware that they was going to do something about it after 10 business days they told me that my claim was denied i informed them that it wasn't the merchant. It was another individual who stole my wallet, and use it at the merchant location. They informed me to open a rebuttle I did, also I sent a written statement stating that the merchant had nothing to do with what happened and for me to try to file a police report. I couldn't file a police report because the police stated that there was nothing that they could do either since I've already tried to reach out to the merchant, I filed Nother rebuttle on XX/XX/XXXX waited 10 business days to XX/XX/XXXX they informed me I was gon na get a temporary credit on XX/XX/XXXX, XX/XX/XXXX came they denied me Once again, I open another rebottle, which is the current one that is supposedly open they told me on or before XX/XX/XXXX. I informed the supervisor that I am not waiting another 10 business days this is the third rebuttal that I've had to open and I need my funds in my account immediately I have already gave you all the information that y'all are needing and I need this to be escalated and fix still no response and so I have no choice but to reach out to this company.
08/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TN
  • 37601
Web
I made a mobile payroll check deposit on XX/XX/2022 at XXXX XXXX. This is the same time and deposit from my employer I make every two weeks and have for quite some time. Chime changed their policy on hold period for mobile check deposits on XX/XX/XXXX and did not provide prior written notice to me in regards to this change. I made an inquiry XX/XX/2022 to Chime through their support system. I was told in initially it was to make sure the check didn't bounce. I verified with my employer and the check cleared the bank, XXXX XXXX, on XX/XX/2022 and funds were released to Chime the same day. I inquired again through their support system and never received a response. I called on XX/XX/2022 to their support line, and was lied to, again, and told that it was to wait for the issuing bank to release the funds. I requested that Chime void the deposit and allow me to have my funds so that I could find another bank that could handle payment processing and communicating with its customers about account changes. I was told that they could not release the funds to me and I was required to wait five business days. I received the funds after five business days, requested to close my account and received a communication stating that they had decided to close my account, and also a notice ( after the fact ) of a change in mobile check deposit policy.
09/21/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 124XX
Web
I Ive in XXXX XXXXXXXX ny so I dont know if youd be able to help Ive seen other stories youve done on chime and I thought that you could help I lost my phone on XX/XX/2021 the next day {$2500.00} was taken from my chime account ghe next day I immediately order new phone and filed a dispute that did nothing as chime said no error occurred even though I showed them emails from my phone provider showing my phone was missing and that they had sent out a new phone to me, on XX/XX/XXXX I had a {$25.00} and {$2400.00} transaction from XXXX as I told the chime agent on the phone my XXXX account is on my phone they could easily add money to the XXXX account from my bank card I then again opened another dispute chime denied that dispute for {$2400.00} but approved the {$25.00} one although they were taken at the same time from the same merchant Ive filed XXXX complaints, FDIC complaint and nothing then on XX/XX/XXXX I reported that money had been removed from my savings and put in my checking an hour later there was a {$2000.00} XXXX XXXX payment which all of these where unauthorized like I told the chime agent I never make a ton my account for more than {$400.00} I really need help I dont what else I can do Ive sent them screenshots of emails from XXXX and XXXX which they both confirmed that my phone was stolen and my accounts where hacked
09/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 78744
Web
Friday XXXX ( XX/XX/08 ) I instantly deposited or transferred {$830.00} from my XXXX account to my Chime account. Everything went smooth. A couple of hours later my account was put on hold/suspended for suspicious activity. I received an email requesting identification and documents proving where the funds came from. I replied directly to the email and I submitted requested information immediately. I have NOT received a response. Ive spoken to several representatives that escalated my case to their back office each time. I still received no response. One of the representatives informed me that all escalations were done wrong and that she will do a correct one. Waited hours, still heard nothing. Finally I spoke with a supervisor informing them I am ready to file a complaint with XXXX and CFPB if something is not done. The supervisor stated he has submitted an appeal. I received a ticket number XXXX. I was told I would receive an email, and something should be done regarding this. I have still heard nothing. I have still received no real help from anyone. They are unlawfully holding my funds and my account needs to be released immediately! I am entitled to the money I earned by working in the XXXX XXXX! There is no scam here. Chime is being ridiculous and their customer service is not professional at all. I need my funds immediately.
12/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • SC
  • XXXXX
Web Servicemember
Chime would not remove an unauthorized transaction. The dispute department initially dropped the ball and did not process the dispute in XX/XX/XXXX. It was only after I reached out ( in XXXX ) to the dispute department to receive an update, that I was made aware that the rebuttal wasn't completed. Though I received an email ( XX/XX/XXXX ) from XXXX of the dispute team acknowledging my documentation ( that was asked for ) was received and that the rebuttal would be in process for up to 90 days. I did not receive nor was offered provisional credit or insight. I have spoken with over 6 reps that have processed over several rebuttals and each came back with computer generated denials. The requested information provided by the rep, that actually discovered that a rebuttal was never submitted, provided a decision based on money transferring. This is something that I do frequently after my deposits to pay my recurring bills. The unauthorized transaction from XXXX XXXX is not a merchant I have ever paid to nor aware of whom it is. I was issued another debit card from Chime, yet they kept denying the dispute/rebuttal. I want the {$550.00} refunded back to my account. I demanded a response from the supervisory level to assist in this ordeal. The generic automated denial response is unacceptable. The transaction happen on XX/XX/XXXX {$550.00}.
10/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WI
  • 53027
Web Servicemember
XX/XX/2022 contacted chime to report XXXX XXXX chime card was stolen. XXXX is detained. XXXX filled out POA for finance so XXXX XXXX could resolve stolen chime card issue. On XX/XX/XXXX XXXX XXXX contacted Chime on Behalf of XXXX XXXX. XXXX XXXX provided proof of POA for finance. Requested account be frozen. Chime Requested photos of XXXX XXXX and XXXX XXXX to prove that he is POA for finance. XXXX from Chime member services replied. We have copies of email and copies of documents sent to Chimes fraud department. Thursday XX/XX/XXXX XXXX sent Email to fraud department because he had been trying to freeze account since XX/XX/XXXX when it was discovered that someone stole XXXX 's Chime card. XXXX emailedthem regarding {$3600.00} was stolen since we attempted to report the chime card was stolen..XXXX thanks XXXX via email and stated they would follow up. XX/XX/XXXX once again XXXX emailed to provide proof of POA for financial per request of chime. XX/XX/XXXX XXXXXXXX from chime Requested photos of XXXX XXXX and XXXX XXXX and copies of POA. Copies of POA and photos submitted. XX/XX/2022 XXXX member services specialist thanks XXXX and stated that they would review the documents. XXXX XX/XX/2022 XXXX contacted XXXX. He is from the chime escalation team. We want XXXX 's XXXX $ returned. We want a statement of charges to give to the police.
10/02/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • IA
  • 50131
Web
Recently XXXX XX/XX/XXXX ) I discovered ( as a result of trying to log into my account XXXX my Chime account had been suspended. When I inquired about the issue I was given a vague " unusual activity '' reason and said they needed to verify my identity. They asked me to provide a pic of my license and a 2nd form of ID ( I opted for passport ). THEN, they responded and asked me to also provide a picture of the back of the license and a clearer pic of the passport, which I did. THEN, they responded and asked me to provide a picture of me holding my passport, which I found highly unorthodox and very suspicious. I find it very strange that each time I provide the information that they request, that they request more. I've even provided a document with my address on it, which is one of the items listed as an acceptable 2nd form of ID. They still asked for a picture of me holding my passport! I called on XX/XX/XXXX and was told the issue was being escalated so I could get some more specific answers to why my account was suspended, but I have not heard back. I've sent a couple emails asking for the status of the escalation, but both times received the response telling me I need to send a picture of me holding my passport. I've asked them several times to provide some detail on why my account was suspended, but they have flat out refused.
11/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 333XX
Web
Chime decided to close my account due to violating their member services agreement on XX/XX/XXXX, I had approximately {$6700.00} in my Savings/Checking Account, and I had provided all of the requested documentation to release my funds immediately back to me. I've sent several emails and placed many phone calls to Chime and their customer support department and have not been helped. I keep receiving the same answer via email indicating I am not entitled to a refund. This is my hard earned money, I have provided proof and explanation of my deposits, everything is legitimate on my end, I have never had any issues with Chime or any other financial institution before, you can not hold my money, and claim I am not entitled to a refund, I didn't do anything wrong, that is my money. I have not been able to pay any bills, buy food, support my family, put gas into my car since XX/XX/XXXX, I have a car and insurance payment due on the XXXX and XXXX of XXXX, my rent is due on XX/XX/XXXX. I am escalating this matter to the fullest extent of the law until my hard earned money is refunded. I am filing a complaint with the Consumer Financial Protection Bureau next and will be hiring a law firm to file a Summons and Complaint against Chime and your associated entities for all of the damages and harm you have caused my family and I in this matter.
04/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IN
  • 46032
Web
Hello, I opened a checking account with a BANK using my valid drivers licenses, which contains my FULL name ( First, Middle, Last ). The Bank opened an account with ONLY my first and last name and left off my middle name. I am usually called by my middle name and I receive checks made out to my middle name and last name. The Bank has refused to cash checks made out to my middle name sighting " Its made out to a 3rd party, not me ''. I have sent a copy of my valid driver 's license to the bank 4 times now as well as copy of my valid XXXX XXXX- both contain with my full name ( First, Middle, Last ). The lending institution says they can not accept a SCAN of my driver 's license or a picture of my driver 's license. The bank has no brick and mortar buildings. So how am I to get a copy of MY driver 's license to them other than a SCAN or taking a picture? It has become a farce that I can not get my own name corrected on my own bank account, which the BANK made a mistake upon opening my account, not me. I am attempting to correct THIER mistake and they are making it impossible. When the account was opened, I requested my FULL name ( First, Middle, LasXXXX ) yet the Bank chose to eliminate my middle name, which has caused a flood of issues. They keep kicking it back to me requesting a copy of my driver 's license. I'm getting no where.
05/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 900XX
Web
I am an XXXX XXXX that opened a checking account with Chime Banks. At the time their digital platform didnt require valid identification therefore I was able to successfully open an account. After depositing my money into the account, Chime claimed that during routine monitoring of accounts on Chimes platform, we identified unusual activity. They ultimately closed my account when I couldnt provide them with a government-issued photo ID. At the time of closing my account, the balance was {$3500.00}. I have repeatedly asked them to refund my money by mailing me a check, but they have refused, citing that I need to provide a valid government id and other documentation that I don't have. This has become an impasse. Chime has created a mousetrap for illegal aliens to deposit their money and then require a government-issued photo ID and other documents that we can not provide. Chime is now holding my money knowing that I cant fight for what is mine. My position is that Chime should not be allowed to keep my funds, if they decided to change the requirements they should allow me to close the account properly and return what is mine. In conclusion, Chime bank is legally stealing from me. They should either issue me a refund by mailing a check to the address on file or send the funds to the State of Californias unclaimed property.
12/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • CA
  • 92551
Web
First of all. They closed my account when i reported the unauthorized transactions. They added funds to account that was closed and i was unable to use the provisional credit. Then they sent the closure check to the wrong address and claim it was cashed. I was never given any provisional credit and how is there no error when i caught the person that did those transactions and also got a confession from them and turns out they are also a chime member. I did the investigation for Chime handed them the evidence and still they say theres no error. I spoke to the merchants where those transactions took place and asked them if anyone asked about these transactions in question and all of them said i was the only one that had inquire about them. ALL I WANT IS MY CLOSURE CHECK AND BE RIDDEN OF CHIME. THEY CLAIM TO SEND A CHECK BUT THEY SENT IT TO THE WRONG ADDRESS. I ALREADY SUBMITTED A POLICE REPORT TO THEM REGARDING THE CHECK. CHIME ARE LIARS, THIEVES, AND SHOULD NOT BE ALLOWED TO DO BUSINESS THEY AUTO DENY CLAIMS JUST LIKE XXXX XXXX XXXXXXXX DID. THEY DONT ACTUALLY CONDUCT AN INVESTIGATION!!! I HAVE THE EVIDENCE THAT PROVES IT!! ALL MY SAVINGS WAS STOLEN AND I CAUGHT THE PERSON THAT DID IT AND THEY CONFESSED AND CHIME SAYS THERES NO ERROR.!! IF THE CFPB CONDUCTS AN INVESTIGATION ON CHIME THEY WILL SEE ALL THE LAWS THEY ARE BREAKING!!
08/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AL
  • 35801
Web Servicemember
Messaging today because I filed a dispute on XX/XX/XXXX for a XXXX transaction that made on XX/XX/XXXX through Chime bank. I was suppose to receive a item that initial received it, the seller then recalled the item. I messaged them immediately and they responded initial by accusing me of the reasoning why the item was recalled. I later found out that the reasoning was connected to their own actions, and I was told that they would check in on why the item was recalled. I never heard from them after that and they blocked me from messaging them. I filed my claim/ dispute immediately. I provided the conversation that me and seller had as proof, as well as the email they gave me to send the money as proof that this is the seller I dealt with. The messages have dates that all correlate with the whole situation. Ive been with chime for for a few years now, and I really just want my money back. It not fair that I can given a product and it recalled back and I cant even get my money back. It would one thing if I still had access to the product but isnt the case. It wouldnt be that bad if it was a couple hundred dollars but we are talking about {$1200.00}. Ive gone through the chime dispute process twice and both times Im claim has been denied. This very frustrating because, I honestly feel like chime hasnt had my best interest at heart.
01/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble closing card
  • CA
  • 90222
Web
I have been fighting with Chime about my funds since XXXX of XXXX. They closed my account due to me receiving a refund from XXXX. I originally made a XXXX purchase in store which I used my gift card and put the remaining balance on my Chime debit card. When I returned the purchased item a few days later I no longer had the gift card and XXXX simply returned the full amount to the debit card on file which was my chime card. That prompted chime to suspend my account and ask for information which I sent them the receipt email that XXXX sent me to show that I was the person supposed to get the refund to my card! As well as all other verification measures! They still did not accept and stated I had to send the information to XXXXXXXX XXXX I contacted the XXXXXXXX XXXX who stated they had no knowledge and didnt suspend my account at all. I have continually reached out to Chime in every way and they refuse to help. Half the time they will not speak to me on the phone they say I have to email but they dont respond aside from a automated email response. Again this has been months and the people in customer service are non helping. I need my money I dont want the account anymore after seeing how they do business but I also dont want to keep being given the run around when its been months and I am in financial turmoil in this pandemic!!!
06/14/2023 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • NJ
  • 08873
Web
I am a XXXX employee and I also have a XXXX a account. I also have or had a prepaid account with Chime. I've been their customer for a very long time. Last week I did a very small transfer of just only {$2.00} from my XXXX account into my chime account. After I made the transfer I ended up changing my mimd about the transfer and told XXXX to take the money back, so they did so. After XXXX took the money back chime said there was some unusual activity and they quickly closed my account. After being with them so long, I was shocked by this, and very disappointed abut the fast closing. They closed my account in a heartbeat and refuse to give my {$660.00} that was in my savings account. Chime told me to upload my ID front and back and thats what I did many times. Chime also ask me to upload a letter from XXXX bank to show that I had authorize the transaction. While working at XXXX, I do know we don't write any letters but I did double check with the manager and he said no. What I was given was a stamped account balance summary with the manager signature. That was all I had, so I uploaded that with my ID. They still told me I could't get my money from my savings account because I didn't provide the needed documents. I been calling and emailing them every day to get my money and I just keep getting an automated system through email.
03/31/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unexpected or other fees
  • GA
  • 30314
Web Servicemember
I Called Chime Twice About My Money And no one did anything. I told them I was robbed leaving work and I do not keep any passwords on my phone because of my XXXX XXXX XXXX daughter. So I clearly tell them someone stole my work bag where I keep all my important documents in to keep up with them. I even told them I couldnt log into my account and they say they sent me a new card when I never received it. I told them that someone was changing the information on my account. Like I told them multiple time and plus my mothers dead XXXX XXXX how the XXXX can they let anything slide I even sent them a picture of my ID And job form for my badge paperwork. These people telling me where I stay when Im telling them on my ID you clearly see it say XXXX XXXX XXXX XXXX XXXX I been staying In this House Almost my whole life. And I been banking with chime for too long. And this is not the first this happened where someone takes all my money from a bank I thought was safe for me but clearly I was wrong. And Its Like You Guys Do Not Care About My money. Like If I Was A White women my issues would have been resolved in no time and I know this but us being XXXX you guys think everyone of us lie, steal, or not work. But I do because I take care of my little siblings. I worked hard for all my money and for you guys to let that slide 3 times is crazy
09/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Problem with direct deposit
  • WA
  • 98223
Web
I started using my chime card on XX/XX/2022 when I received my first direct deposit from social security. Then on XX/XX/2022 social security deposited my check for XXXX. It never posted to my account. So, XX/XX/XXXX I called social security and they said that they deposited my money and that chime accepted it and gave me a tracking number. So then I called chime, they wouldn't help me or let me give them the tracking number then hang up on me 3 times. Then the 4th time I finally get someone who is willing to do there job. I gave her the tracking number, and she found it. Told me the amount and said it would be in my account by the end of the day. We'll, that never happened. I call the next day and the person wouldn't take the tracking number at first then did after I begged her to. She then tells me they can't find it and wouldn't give me a supervisor and hung up. How do you go from finding my money one day and then not finding it the very next day? I've never been treated so horrible in my life. Customer service my XXXX. They are thieves and I want to press theft charges. Cuz, they stole from a XXXX person. I even called XXXX XXXX and asked if I could talk to a supervisor or hire and they wouldn't let me. I was told that I'm chimes problem. Something is not right and I'm possitive I'm not the only person they're doing this to
12/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 79905
Web
On XX/XX/21 there was an unknown and unauthorized charge done to my account with chime bank. I have only a virtual debit card no actual physical card. I reached out to chime and they said they were unable to do anything since it was a pending transaction. On XX/XX/21 the transaction posted I then again reached out to them and they filed a dispute and stated that someone would reach out to me on XX/XX/21. On XX/XX/21 no one reached out so I called them and they said I needed to resubmit my paperwork which no one ever told me they never received and they assured me that they would issue a provisional credit for the charges. They are unable to provide me any details about the company that charged my account for {$100.00}. I asked them for a name and a number for that company and said they dont have any information. I resubmitted my paperwork and XXXX who refused to give me an employee number or anything to identify him said he would issue a credit and that never happened. I then called again and spoke to a floor supervisor XXXX who told me Im ineligible for the credit. I asked to be provided the contact information for someone higher up like their ceo or board of people and they refused. I have tried to resolve this matter and now they are saying they will have a resolution by XXXX XXXX which is XXXX months. That is unacceptable.
06/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 90012
Web
I was in an XXXX heading home after a night out in XXXX XXXX in the early morning of XX/XX/XXXX. I have a phone / wallet with all my of ids and cards inside the wallet. I left my phone / wallet in the XXXX and it was stolen. The next morning, I looked at the account and someone tried to charge a ridiculous amount to my Chime credit card. Upon further review I see that someone spent money at the XXXX hotel and on gas that was not me the morning of XX/XX/XXXX. I reached out to Chime to complain and filed a dispute : Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2021 Claim Total : {$190.00} They came to the following conclusion : Investigation Results We reviewed your claim and have determined that there was no error that occurred based on the following : -With manual funding prior and after the disputed timeframe. -With valid transaction from merchant GUEST HOUSE in between the disputed transactions -The valid transaction from merchant Guest house was 10 minutes away from the location of disputed merchant XXXX XXXX Dining. ( Within your vicinity ) -We have determined that theres no fraud alert captured by the system during the disputed transaction The investigation made no sense to me because if someone stole my physical card, of course they would conduct transactions that would be close to each other.
11/12/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NC
  • 283XX
Web Servicemember
I attempted to make a transfer from my Chime account into my XXXX account in the amount of XXXX on XX/XX/2020. About a week later the transfer came back to Chime unpaid. XXXX said it was returned because they do not accept transfers from outside banks. Chime put my account on hold and asked for a copy of my ID, a recent XXXX statement and if possible a letter from XXXX explaining why the transfer was returned. I sent the all documentation several times but never heard anything back. I reached out to the via phone, and was told that my attachment on the email could not be opened. I resent them everything while I was still on the phone and was told my account would be reopened the next day when someone from their support team verified everything. My account was instead closed immediately and I was told I would not be receiving the money that was in the account back. There was about XXXX in the account. I have emailed them countless times. I have called countless times with the same answer everytime. That they can not talk to me about the closure of my account. I was doing nothing illegal I has just recieved my first unemployment payment on XX/XX/XXXX it was about {$6000.00} the other money in the account was from my income tax return. Money that ironically I had transfered from my XXXX account. I want my mobey back immediately.
01/25/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • ID
  • 83442
Web
Ill let you review the attached images because I cant even anymore. My payment to XXXX was returned and XXXX got an error that the account was invalid. I confirmed with them and tried to re-enter my information, but got an error about the routing number being wrong. I have spent 7 days now with Chime Member Services responding with irrelevant answers that couldnt be further from helping answer my concern or even address it in the slightest, it feels like. I have gotten a different rep ( 6 different people I think ) every day and had to re-explain and STILL get an irrelevant answer. My Chime Visa Debit card was also linked to a separate external account through XXXX, which now shows an error message that they do not accept my bank, despite using the card many times through them before. Both XXXX and XXXX have directed me to reach out to the financial institution, who is trying to say its the fault of the external account servicer, which doesnt make sense since its more than one account. To make things worse, my Chime Credit Builder was suddenly disabled last night ( XX/XX/21 ) around XXXX Mountain, and Chime Member Services has now gone 24 hours without responding, though I doubt a response would benefit me at this point. Ive sent screenshots, Ive explained in the simplest words I could, and its not being heard or understood.
09/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33573
Web
On XX/XX/2022 Chime Made an adjustment in the amount of {$2200.00} leaving me with a negative balance. I was stranded in Florida during Hurricane Ian. They said it was XXXX XXXX. that required the funds. Chime claimed they received an LOI Letter Of Intent. They told me there was nothing they could do and I needed to contact XXXX XXXX. I did. I even made a complaint against them here a year ago. However, XXXX XXXX told my bankruptcy attorney and myself they did not give an LOI. They did not request such funds. I revisited Chime with this news. Chime did not comply. I requested Chime provide me with the letter of intent. They then advised me they could not find it. It has been almost a year. I call Chime daily and I email them daily. They say it has to be escalated to the internal team via back office email and they repeat this over and over again, each time I call leaving me with no answers and or solutions.. I am appalled at the level of service I have received. I have gotten nowhere. I have provided Chime via email proof of the letter from XXXX XXXX. They provided me with here. Along with a copy of the email from us bank with my bankruptcy attorney in the email threads, as well as a copy of my discharge papers. However. Chime still refuses to fix the adjustment and keeps sending me back to XXXX XXXX. I had enough.
01/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • UNITED STATES MINOR OUTLYING ISLANDS
  • 640XX
Web Older American
I send more proof of return to sender for my refund. I don't have the wig, because they request me to return, I did with there return label picture attach show. All I want is just my refund of {$110.00} I used my Chime Bank credit card for this purchase XXXX XXXX Note : You never had my dispute form and my evidens of document to make your denial, to close my case. You ignored my paperwork before it got into your hands to make your decision to close my claim so that's why I submitted everything back in for your review for my refund that's the right thing to do.and I should have to wait no 45 days for my refund because it was never reviewed from the first time. Copy letter : This what I send to my Chime Bank XXXX XXXX XXXX Here are my documents that Dispute refuse to review today. You didn't take the time to review my proof of fraud again this company XXXX For my {$110.00}. They requested the package with there label I did return to them the same day of recieving the package wig inside. That I did not order XXXX XXXX XXXX in NJ. Request the Dispute to contact him XXXX at XXXX to verify my claim return the package to get my refund back. They never contact him. In my Claim. This Company got the wig I return and my money if {$110.00} And I report this to my XXXX bank. In this matter.. Please contact me at XXXX XXXX XXXX
01/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33435
Web
Three unauthorized out of network atm withdrawals were made with my bank which is Chime bank/XXXX XXXX The first transaction was made on XX/XX/XXXXin the amount of {$1000.00} at an out of network bank which was XXXX XXXX in XXXX Florida. The second and third transaction was made at the same atm the next morning XXXX first amount was {$300.00} and the next amount was {$700.00}. I contacted the bank filed the disputes, cancelled the current debit card and transferred me remaining funds to my other bank. The bank informed me on XX/XX/XXXX that they were not refunding my money and were closing the claim. I called and spoke to a Supv in the dispute dept she advised there was nothing they could do and would send me out the details of the investigation and also advised that they would not pull the security cameras at the bank. I then called the police and filed a police report, gave the bank that information and the officers name then today XX/XX/XXXXthe bank advised that they still would not refund my money and the investigation was closed. I have been a long time customer with Chime, Im very upset and disappointed that Im being treated this way as one of their customers. I have emailed, called and I get the same answer there is nothing they can do. I dont feel they are thoroughly looking at my claim and I need my money back.
05/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • WA
  • 98133
Web
I reluctantly signed up with Chime to allow several of my tenants to be able to pay rent through Chime. When setting up the account ( solely for tenant rent transfers ) Chime then sent me a debit card. After allowing only one tenant to transfer via Chime to test out the Chime software I found I was unable to transfer the funds from Chime to my bank account because Chime said I have to activate a debt card in order to receive my funds. I feel as though I'm being extorted. I can't access my own funds UNLESS i add additional Chime services I don't want or need? I finally was able to reach someone from Chime and they had my log onto their website to address it. They could not so then they said I need to download the Chime app since it was the only way for me to get my funds. Then they said I need to activate a temporary virtual debit card in order for Chime to allow me to transfer the funds to another active account I use. In other words, I need to keep adding more Chime services in order to get my money Chime will still not allow me to simply transfer to another account I have already connected to Chime? This form of extortion, blackmail, or whatever you want to call it by withholding my funds until I accept all their extra services strikes me as an especially sleazy and dishonest way for Chime to expand their offerings.
10/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 27253
Web
On XXXX I ordered security cameras online that came to a total of {$400.00}. My order was falsely marked as delivered by the delivery service. I reached out to the company I ordered from and they told me they would not resend the item or refund the amount paid paid. I disputed the charges with Chime and included copies of communication with the delivery company as well as the company I ordered from. I requested a refund in the amount of {$400.00} due to product not being delivered. My request was denied and I requested the documents used to make that decision and had a right to receive that information within 30 days. That request was made on XXXX. Chime ignored my communication attempts and refused to send documents for over 60 days. Documents were sent on XXXX and only contained the false delivery documents that I had provided and attested that were untrue and had not been delivered. By that time, I had surpassed the deadline to file any other complaint which Chime did intentionally so as to not have to refund my payment. I continued to make attempts to solve this matter until XXXX when I filed a rebuttal with Chime and never received communication from them afterwards. They have refused to respond in a timely manner and one that would protect their customers from unfair practices of merchants and delivery services.
05/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 780XX
Web
I deposited a mobile check deposit Thursday the XXXX of XXXX, I was told the funds would be in my account a few hours later since they could manually verify, I even called the company connected to the check and they verified its been paid, Chime keeps saying that I wont receive the funds until the XXXX, Ive now lost my car insurance, have multiple late fees and I have been on the phone with chime everyday since Thursday for over 4 hours each day and Ive been getting the run around, chime keeps saying they can not release the funds until the XXXX but I even verified with the company where the check came form that its valid, I am unsure what to do now since I am now XXXX in late fees and losing insurances, I cant even pay my bills or get groceries since they are refusing to release the funds, Ive spoken with many supervisors, some say Ill get it earlier than the XXXX and others keep saying I wont and now Im stuck and dont know what else to do, Ive been on the phone for hours and Chime stated its illegal to release my funds to me, I will now have to pay XXXX to renew my insurance due to the late fee and reactivation, I have a loan I have to pay off of XXXX that has late fees, I also have overdraft of XXXX now because they wont release the funds, and I also have multiple 7 late fees on some payments I need to pay back now
03/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 38053
Web
on XX/XX/2021, a charge alert on my Chime debit card for {$560.00} at XXXX XXXX took place. I did not make this transaction. there is no way physically possible I could make this transaction being it was in a state hundreds of miles away. I contacted Chime to dispute the charge and they informed me it had to be settled before I could file the claim. the person informed me the charge took place in the state of Arizona. I live in Tennessee. By then the charge had been broken into two charges, one for {$50.00} and one for {$510.00}. When you add them together you get {$560.00}. on XX/XX/XXXX, I filed a claim for fraudulent transaction, filled out the paperwork and sent it back to Chime 's claim department. A few hours later I received an email stating my claim was denied and no error occurred. I immediately contacted Chime to speak to a manager to help resolve this issue. he informed me he needed some proof I was in Tennessee when this transaction took place not Arizona. I sent him a picture of two receipts from XX/XX/XXXX showing I was in Tennessee when this fraudulent transaction took place. Later that night on XX/XX/XXXX, I received an email stating, in so many words, that since I've done business at XXXX previously, that these particular transactions couldn't be fraudulent, despite the fact of location differences.
09/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • WV
  • 260XX
Web
I use a Chime card for my direct deposit of my pay. I was waiting on a new card to come in the mail and had a virtual card on my app to use. Which this was the XXXX time I had to get a new card from them because of my card being compromised. While i was waiting on the XXXX new card someone used the virtual card in XXXX Florida and spent XXXX at XXXX XXXX grocery store.I live in West Virginia and I called and reported it.They said they would investigate it. Then later that day I received a call from XXXX that came up on my phone as Chime Financial and I answered it. The man on the phone said he was from Chimes dispute department. I talked to him for an hour and he had me typing in codes he said was going to protect my account. I then realized he was a scammer and I got off the phone with him. I called Chime myself and told them this and in the end I was still denied my money back. I called and had them reopen my dispute and before XXXX hours had passed they already denied it again. Ive called many times to try to resolve this and ever time Im asked to provide them with documentation to help my case. Ive told them I dont have any information on who hacked my account from Florida and that Ive never even been there but still no help from them. I dont understand how it can be denied when it happened so far away from me.
10/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MI
  • 48221
Web
Deposit from XXXX XXXX ( Employer ) XX/XX/XXXX Chime suspended my account on XX/XX/XXXX for suspicious activity regarding a pending deposit that I had no knowledge of. I was asked to submit verification of my identity and residence which I did. I was also asked to verify proof of ownership of several " linked '' debit cards to my account, when I was asked to provide this information I kindly let the support team at Chime know several times that those debit cards did not belong to me and never belonged to me but for some reason they did not believe me and did not give me a reason why the don't believe me and won't provide any additional information. Now Chime is holding my funds of {$2100.00} from my employer in their system and they won't give it back. I was told by several team members that there was nothing i could do until i provide proof of ownership of the debit cards and my identity but i can't provide proof of ownership of something I never owned in my life. I work hard for my money so the fact that the U.S. government allows this company to operate with no oversight and no accountability is senseless. How can the highest level of escalation at the company not assist me with my issue or at least give me my money back. The people at this company are thieves and I demand you hold them responsible. Thank you,
09/23/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32712
Web
My account was charged fraudulently for the following transactions that I did not authorize : * {$100.00} from XXXX XXXX on XXXX XXXX UTC * {$200.00} from XXXX XXXX on XXXX XXXX UTC * {$100.00} from XXXX XXXX on XXXX XXXX UTC * {$110.00} from XXXX XXXX XXXX XXXX on XXXX XXXX UTC Upon noticing these transactions on my account, I made a claim with my financial institution on XX/XX/2020 and at their request, submitted a written claim on XX/XX/2020. I was informed by a representative of the financial institution on XX/XX/2020 that the matter would go under investigation and if the claim was not resolved within 10 business days, I would be extended provisional credit no later than XX/XX/2020. On XX/XX/2020, I received a notification that my claim had been rejected, but was not given a specific reason as to why. On XX/XX/2020, I requested to know the specific reason for my claim being rejected as is my right under Regulation E and did not receive a response until XX/XX/XXXX when the financial institution informed me that my claim was still being investigated as it had never been denied, but that theyd have 90 days to reach a decision. As such, as the matter was open the entire time, I am entitled to provisional credit under regulation E in the amount of {$530.00} which to this point, I have been unjustly denied.
06/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • VA
  • 23601
Web
On XX/XX/2021 I filed an dispute with Chime Bank ( Claim # XXXX ) about an unauthorized charge that was done with my Checking account for {$3300.00} from XXXX XXXX XXXX. I had a total of {$820.00} in my checking account when this took place and over {$2300.00} in my savings account when this took place. This unauthorized purchase but my checking account in - {$2500.00} dollars balance so I was unable to pay any of my bills, ( rent, car note, utilities, cell phone, etc ). Not only was I Not awarded a procredit during the entire investigation, but I wasn't giving an answer of determination until XX/XX/2021, I wasn't explain why my claim was denied, I had no assist to the money in my savings account, and after emailing and calling numerous of times when giving the denial verdict on XX/XX/2021 i received an email stating ym account would be closed in 10 Days. So i called Customer service and asked why would my account be closed and they insured me it was an mistake and it wouldn't be closed, then in 10 Days my accounts was closed. I no longer have assist to it and I never received or know what happen to the money in my savings account. This was the worst experience i ever had with a bank and was handled very unprofessional. I got behind on all of bills and was almost evicted out of apartment due to Banking with Chime.
11/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 361XX
Web
I sent my sister {$280.00} after I purchased a tv last week. On the XXXX XXXX her card number was listed as primary so when I bought it payment was taken from her credit card and not my bank card. To pay her back I sent a check through Chime 's mobile app. When they send a check, unlike every other bank I have dealt with they go ahead and deduct the amount of the check from your account. What they do with that money during the time it was sent until it is cashed, who knows. I've long suspected they are making money from investments from the funds they hold from the debit card refunds. Before the tv was even shipped to me I decided that I didn't really needed and I had the order cancelled. I called my sister that she would be receiving a refund from XXXX on her credit card and went onto the Chime mobile app to stop payment for the check. The representative said he canceled the check and I would have my money in XXXX business days. I don't understand if the check was never cashed then it shouldn't have gone anywhere and it should go back immediately. I'm not sure, but if every other bank does not deduct the funds until it is cashed then it's got to be illegal. They are stealing peoples money to make profits. Profits that should be given back to the people that earned it in the first place and was stolen from them.
11/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • SC
  • 293XX
Web Servicemember
The XXXX of XXXX my XXXX loans/ grants refund was credited to my chime account. I was arrested at XXXX and did not get out of jail until XX/XX/2023, at XXXX. When I checked my account, the following transactions had been made XXXX at XXXX Transfer {$340.00} to XXXX XXXX XXXX XXXX XXXX XXXX Transfer to XXXX XXXX XXXX {$140.00}. XXXX at XXXX Transfer to XXXX XXXX XXXX {$500.00}. XXXX at XXXX {$200.00}. XXXX Transfer to XXXX XXXX XXXX {$100.00} I filed a dispute on the XXXX of XXXX and was denied the next day with no explanation. Filed a rebuttal the XXXX of XXXX and again was denied without explanation. Then again on the XXXX filed for the dispute to be reopened and every time asked for information detailing the reasons for denning my claim considering I can see exactly where an unrecognized device logged into my account and made these transfers to their account without any authorization from me or knowledge to me of any kind until I was released from jail and found my account empty. These were federal loans or grants from my college refund, my housing money for the next XXXX months. I have talked to the police and need paperwork from chime to file police report that they will not provide or help me with at all. They keep denying my claim without reasoning when all the evidence is visiable from my account clearly.
03/02/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 216XX
Web
So I made attempted to make a purchase in a store called XXXXXXXX XXXX and swiped my car multiple times and every time it came up declined. I then seen the transition was pending on my card. I then contacted merchant who again assured me that transactions should not had went through. About a week later it went through. I then contact chime and filled a dispute they provided a provisional credit in about three weeks later took it back which me my account overdrawn {$920.00}. I called chime spoke to a supervisor, They closed my case. Come to find Out they never reached out to the merchant, they never contacted the merchant but was able to come up with a decision. I asked the supervisor how did they come up with this decision and he had no idea. Chime was very unprofessional and had no sense of the rules. I asked him how they were able to come up with a decision if they never spoken to the merchant and he had no answer for me. The supervisor kept advising me to send in another email to the disputes department to see if they want to re-open my case. My problem is it took me two seconds to contact the merchant and speak to them why couldnt chime had done the same thing. I dont have my money in the merchant doesnt have my money so chime obviously does. They refuse to give me my money and left my account in the red.
10/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • MI
  • 48192
Web
Hello - I recently new to chime, now my account is closed because of the incident. I had a man in my home doing tiles on my ceiling. I entered his contact name into my phone to pay his through chimes transfer service. When he didn't receive the money within ten minutes i called chime. Chime stated a user name was associated with my contracters phone number and the money went to him. They stated to contact them to request the refund. While the worker was still in my home and i was on the phone with chime. I entered his number for a second time and requested the money back. He received that text but he had never received the money. Chime notified me that the money had went to another user of chime. The contractor opened up a chime under his phone number and opened his checking account the money wasn't there. Chime stated some other member named XXXX had my contractors number on file then they claimed this " XXXX '' had no number on file and refused to cancel the tranasaction saying there was no error. I still had to pay the contractor so I used XXXX XXXX within the same hour and stayed on the phone with chime for hours being passed around. I even contacted XXXX XXXX XXXX who stated to come here now because they are refusing to take accountabilty for transfering my money to the wrong person. It was XXXX XXXX XXXX
09/01/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33619
Web
On XX/XX/XXXX XXXX confirmed that they were processing a refund. Up until that time, I had not seen the confirmation from XXXX so I proceeded with a dispute on my Chime " Credit building account '' ( false advertisement ) .I then contacted Chime XX/XX/XXXX XXXX EST B/C XXXX stated it could take 5 BSN days to process.they informed me they hadn't received the refund of {$830.00} & to file a dispute. I consistently sent proof via chat of refund confirmation but chime insisted i contact XXXX then stopped replying. XXXX confirmed the Refund was initiated XX/XX/XXXX completed on the XX/XX/XXXX & chime 's dispute was replied to advising the refund was processed successfully on XX/XX/XXXX. Agent/Disputes Supervisor : XXXX ( XXXX ) kept insisting I give the dispute until XXXX to be solved or have them refund AGAIN.At this point I had apple on 3-way ; they verbally confirmed that chime already had the funds, they had replied to the dispute & there was nothin else they could do. Could this be a Regulation CC violation? They also claim that the credit builder account helps build your credit but the only thing the account does is report my balance as if I owe the balance and not reported as true balance which is just money I deposit/transfer. They say it is like a secured credit card but it did nothing but hurt my credit.
08/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • KY
  • 42420
Web
On XXXX XXXX a dispute was filed with Chime Bank in regards to an XXXX item that was not received on and after the expected delivery date. It was for Claim No. XXXX for the amount of {$160.00}. A dispute form was emailed to and was completed and returned to Chime Claims Department the very same day. Regulation E of Banking Rules state that if a customer has a dispute, notifies bank in writing, is entitled to provisional credit of the amount in question. Bank has to reach a resolution within 10 days, and if institution can not reach a resolution within that time frame, they are to provide provisional credit to the customer. That wasn't done. And what's worse, Chime advised me that due to the nature of my dispute, I wasn't entitled to provisional credit and that the claim wouldn't reach a resolution until XX/XX/XXXX. Chime was confronted with the facts, but rather than come up with some competent answer, decided to send me " form emails '' repeating the same nonsense excuse. I, in addition, submitted additional information to Chime Claims, with no confirmation stating they'd received it. Chime is in violation of Banking Regulation E, and I demand that my funds in the amount of {$160.00} be returned to me immediately. Chime is deliberately causing financial hardship in addition to violating banking regulations.
05/01/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 130XX
Web
XX/XX/XXXX I realize when I lost my personal cellphone away on work, I also lost my Chime debit card when I got home. I called chime as soon as I realized and had all paperwork back to them by XX/XX/XXXX. I made a police report and sent them the reference number for a police report. I called 3 credit bureaus to report Incident. They did investigating in regards accounts trying to be open. The amount is in question with chime is {$3700.00}. I have called every day. I got emails saying XX/XX/XXXX for provisional credited. During this time im a traveling XXXX XXXX and I lost my assignment in XXXX at the XXXX XXXX working for the Veterans due to no funding for hotels. When the fraudulent incidents took place I was in XXXX XXXX XXXX working. I lose my contract job. XX/XX/XXXX is when I got a email from chime stating no error concluded. Police found 3 fraudulent charges so far but cant say anything until their investigation is done. Credited Bureau found credit account trying to open in my name. Sent Chime documents proof of fraudulent and still havent got refunded as if XXXX. I also requested info from Chime. I havent received anything from them beside emails about XX/XX/XXXX. No one called me. No one asked for more documents. I sent them willing. I want my provisional credit and chime to fully investigate my case
07/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NJ
  • 07109
Web
On XX/XX/XXXX I went to an ATM to withdraw {$500.00}, the ATM only had a pet transaction limit of {$400.00} so I withdrew {$400.00} and then {$100.00} the next day on XX/XX/XXXX at XXXX am I received notifications of the same transaction done at a different completely unknown location.The XXXX went through but due to insufficient funds the XXXX was not duplicated and was declined. Immediately I called to make the case and changed my card. The request was denied because it was an ATM transaction. I called again the next day and was told that the bank in question which is Chime had system issues that caused the trouble. Upon talking to them I was told that the case is more than likely going to get denied because I made the claim before the company knew of the issue and since the original one was denied chances are the rest will be denied too. It was a known system issue and now the bank still has the {$400.00}. Not only that but until I get the new card Im completely locked out of using my account. This is a huge issue to me personally as I was keeping those funds to help pay off a debt and when the money was to be withdrew it was not available and now Im at risk of losing a settlement. The worst thing is the bank shows no willingness to fix an issue which cause them to steal {$400.00} from a customers account.
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IA
  • 50315
Web Servicemember
I opened a checking account with chime in XXXX. Decided recently to close account to use a local bank instead. Chime has since reported to the credit bureaus that I had a credit card account that was 90 days past due and the account was closed due to XXXX XXXX bankruptcy with a balence of XXXX All of this is completely false. I filed for bankruptcy in XXXX of XXXX and listed having a checking account with Chime. That is the only thing they were listed for on my bankruptcy.. Is it normal practice for a financial institution to report false info to Credit bureaus when customers decide to bank else where? Why would they just now report this if not?? I had a checking account that's it. No line of credit was ever issued to me. I had no credit cards, personal loans or anything else i owe them no money. I have never been 90 days past due on. I'm a single father with XXXX kids. I have worked extremely hard trying to improve my credit since bankruptcy. They have now maliciously destroyed my credit. On XX/XX/XXXX my score was XXXX It's now XXXX and that drop is solely due to them. Do they not have to prove anything before being able to destroy my credit? When did I apply for this credit card? What was its limit? What was interest rate? How about transactions? This is absolutely ridiculous and disgusting. Thanks, XXXX
09/25/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 43229
Web
I called Chime XXXX XXXX XXXX XXXX XXXX CA XXXX at XXXX, on Monday to ask when my unemployment check would be deposited. He asked for the last 4 digits of my social security number, dob, and address. I gave him all of that. Then he asked how much, I said {$910.00}. He said he didn't need a confirmation number, but to send him a picture. He told me to download quick support, because Chime was updating their system. He said I wouldn't have to wait again for my money. I didn't give him my password. He said he was giving me {$50.00} for my inconvenience while he was updating my info. He took {$600.00} from my acct, and deposited into an account under the name XXXX XXXX XXXX. While I was on the phone w/ him, I went to an ATM and withdrew money to pay a bill. He didn't touch the {$69.00} from my savings. I now have {$28.00} in my account. I asked him why he was taking my money. He said he had to do it because his manager told him to. Even though he claimed to be a manager. I started screaming you are taking my money. He didn't stop stealing my money. I tried to call him back at the number he was calling from XXXX, but it's no longer in service. I'd been waiting four weeks for that unemployment check. I filed a XXXX complaint. Chime told XXXX they investigated and would not put the {$600.00} back into my account.
07/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NC
  • 27519
Web
On XX/XX/2021 I receive an item of mail from Chime Bank. In it, there was a debit card for a newly opened bank account. I am not currently a member of Chime Bank, have never had an account with Chime Bank, nor do I wish to ever have an account with Chime Bank. I have contacted Chime Bank a number of times ( still have all the emails ) reporting the account as fraudulent and asking them to close the account. They are continuing to request a picture of a photo ID and the last 4 of my SSN. I know the information they have that is accurate on the account is my name and address since the debit card was mailed to me, but am not aware of any other information 's accuracy and I do not wish to provide them any more accurate information. I have file a police report since 2 other banks had account opened in my name that I did not open. I called them to report as fraudulent and they investigated and closed the accounts. Chime does not have a phone number for a fraud department so they want me to email those items to them. I instead emailed the police report and apparently that is not acceptable. Now on Tuesday XX/XX/2021 a check from Chime Bank was mailed to me for {$87.00} that I refuse to cash because that's not my money and illegal in my mind. I don't understand why it is so difficult to have this account closed.
07/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • VT
  • 050XX
Web Servicemember
I have been banking with chime for over ten years, and their treatment of me the last three days has been at best reprehensible and most likely criminal. Friday XX/XX/XXXX at XXXX eastern standard time I placed an order with with XXXX . The amount of the debit hold was {$320.00}. That transaction was canceled by the merchant less than 10 minutes later. I resolved the issue immediately and completed my order this time for about XXXX dollars. That transaction was processed and settled without issue. Normally in a situation like this its not an issue, generally those funds are returned to me rather quickly so I thought nothing of it. Monday evening came and went with my money still not returned to me. Tuesday I reached out to chime to ask them what the hold up is. They first told me 3-5 days. Then they told me that XXXX hasnt released the hold. So of course I reached out to XXXX who told me in writing that they released the hold I then reached out to chime again, and was transferred around to no less than 15 people over the course of XXXX hours. None of them did anything. Now were into Thursday and another entire day of me being lied to and gaslighted. We are more well into Friday and chime refuses to return the money they stole from me. This needs to be resolved and never allowed to happen again.
05/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 95667
Web
On XX/XX/XXXX, I logged into my Chime app for the first time in several months. I had not logged in recently as I have been unemployed and not receiving any income. Upon logging in, I saw that I had received a deposit from my prior employers XXXX distribution that I was not aware of. {$1000.00} was automatically transferred from my checking account to my associated XXXX XXXX XXXX XXXX on XX/XX/XXXX. Beginning XX/XX/XXXX, there are several transactions posted that I did not make, as follows : {$53.00} at XXXX, {$10.00} at XXXX XXXX XXXX, {$280.00} at XXXX, {$170.00} at XXXX, {$23.00} at XXXX XXXX, {$63.00} at XXXX XXXX, {$14.00} at XXXX XXXX, {$29.00} at XXXX XXXX, {$39.00} at XXXX, {$81.00} at XXXX, {$5.00} at XXXX, {$43.00} at XXXX, {$150.00} at XXXX XXXX XXXX {$24.00} at XXXX and {$73.00} at XXXX XXXX XXXX Upon reviewing these charges, I went to look for my credit card and it was not in my wallet nor anywhere in my home. I immediately contacted XXXX XXXX for help, and a dispute was filed. On XX/XX/XXXX, I was notified my dispute was denied. That same day, I requested the reasoning and was told it would be emailed to me within XXXX business days. On XX/XX/XXXX, I again requested this documentation. I have yet to be provided with any reasoning for this denial. I did receive a new credit card in the mail.
12/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • NY
  • 115XX
Web
On XX/XX/XXXX, I located a rental listing for a house for rent in XXXX. I contacted the person who listed the house, and was in continuous communication with said person over the course of a XXXX discussing rental fees, deposits and rent. I sent an application fee of {$50.00} via XXXX on XX/XX/XXXX, along with my credit scores. Upon learning I was approved to rent this property, I was asked to sign a lease and to send {$500.00} via XXXX, and {$500.00} via Chime Bank in app Pay Anyone feature, totaling {$1000.00}. I sent the signed lease and deposit and was told the keys to the property would be sent via XXXX once XXXX XXXX rent was paid. On XX/XX/XXXX, I sent the XXXX XXXX XXXX rent via Chime Bank in app Pay Anyone feature totaling {$1000.00}. After sending the money, I was made aware that the person I was in contact with was not the owner of the property, and the property was under contract for sale and not for rent. I tried to contact the person I was emailing with, and all accounts associated with said person were XXXX, and I was unable to get my money back. I then spoke with a colleague, who advised that the XXXX XXXX '' who drafted the lease, was not in fact a XXXX XXXX XXXX XXXX. I contacted my bank, who advised that there was nothing they could do as I technically sent the money to the correct user.
09/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 752XX
Web
I had XXXX dollars deposited into my account that didnt hit the mail once I closed my account. I asked for a paper check to be mailed to me and it hadn't been sent... and the everytime I call Chime they keep wanting to confirm my address I ve moved three different times and been to jail since the XXXX dollars deposits and XXXX 2020 I hadnt touch my account in three years because of jail time when I got out and called them I gave them my 3 addresses over the phone on separate occasions and simultaneously but they still said they couldn't verify my account... but here 's the fishy part I gave them my ID to verify my identity through email based off suggest from the chat and phone to give to dispute center with Chime. But usually they send u a text or a email suggestion to do so and I never receive that treatment so it's got me thinking that the customer service reps are pulling a scam all the way out in XXXX because my addresses should've cleared and to identify my account they only need myname and date of birth even though I closed my account I tried to open a new one 8 months after I closed it today they said I cant open a new one over my address again and seems it's because my account is still open but my most likely its so online thieves can harbor my account for multiple fraud transactions to tally up.
04/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • VA
  • 23455
Web
I have been banking with Chime for a while now and I use that as my primary bank but I also have a XXXX XXXX XXXX that is linked to my bank accounts so on occasions in appear that there is a lot of activity on my account, but that is just me using both of my accounts as I dont like to list my time primary card on websites to prevent from theft. Anyhow, I woke up one morning to my account being completely closed with over {$19000.00} in the account with no access to the account. No one is providing me any solid information. Ive been getting the runaround so Im saying that I can open my account again some saying that I can not I have also provided them documentations verified documents, transactions, IDs everything with no solid response is just Automatic responses told verbatim either through a automatic device or through script reader with no actual assistance that can assist me at the time rent being due with XXXX kids, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not expecting to wake up to my account being closed and not being able access my funds has caused a lot of stress every time I call chime they are unable able to have any clear answer on the decision made I get 10 different things every time I call in. Again I have even provided documentation to re-open my account or even expedite my check.
09/28/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Account opened as a result of fraud
  • MD
  • 20910
Web
On XX/XX/2021, I received a debit card ( XXXX ) from Chime in the mail. It has my name written on the back of the card and was sent to my name and address, but I did not open account and have never opened an account with Chime. Accordingly, on the same day, I called the customer service number listed on the card ( after verifying the phone number online ). I was directed twice by customer service ( once via automated service and another time by a live agent ) to email the company to 1 ) let them know about the incident ; 2 ) ask that the account be closed ( or at least locked until the matter is resolved ) ; and 3 ) a fraud investigation be opened. I did so, and received a response both times to email Chime from the email address associated with the account or send a copy of my driver 's license AND SSN ( last 4 digits ) via email for further resolution. I do not have an email address associated with the account because I did not open it, and I do not believe it is safe to send more personal information ( DL and SSN ) when I am calling about fraud/identity theft in the first place. After a third call, I was told I would be contacted about the matter within 24 hours for further resolution. I have yet to hear from them and have no confidence that the account will be closed and a fraud investigation opened.
10/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NJ
  • 07201
Web Servicemember
I banked with CHIME for roughly 5-6 years. During this time I have witnessed CHIME not do it's due diligence in investigating bank disputes/errors. On XX/XX/XXXX I started a dispute for fraudulent activity on my account. I've sent all the necessary documentation including the police report and the email from the company XXXX stating my refund was approved and sent to CHIME. This dispute is still open 90 days after the initial dispute claim and after the email. CHIME won't close out the investigation stating it needs more Information. When asked what information is needed, no answer can be provided. On XX/XX/XXXX I initiated another dispute against fraudulent activity, with the same company XXXX, and again provided all documents. XXXX acknowledged the refund amount and approved it on their end. CHIME denied my claim after 2 hours of investigation, even with the email from XXXX. I called XXXX trust and safety supervisor to which I was provided the number for and asked about the investigation process and I was informed that no representative from CHIME contacted them in regards to this matter. So how did CHIME proceed? I closed out my account with CHIME on XX/XX/XXXX because I'd rather stuff my money in a mattress rather than let incompetent individuals with no banking intelligence to keep my money safe.
07/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 90024
Web
My checking account was closed with chime but there were some refund deposits made on the account. I emailed their team about a XXXX refund & I had gotten word from XXXX - a Senior Finance Director at the XXXX. She specifically told me that she reversed the item on XX/XX/2023. Its been over several months and I have not heard from chime at all. My debit card for chime is not working because they closed my account. And I can not understand why I have not received my money back. They stated they send funds left to closed accounts after 30 days but they sent me an email saying that I was not eligible for my own money. They even emailed me saying the money has been put back into my checking account, please look at the uploaded a document saying the {$230.00} has been reflected! Then I got a email saying I was not eligible for it! Additionally they went back on their word twice. I received a email from them over two months ago saying I would have access to the {$230.00} but theres no way of receiving it/using it because my debit card is not active and my account is out of my control. Then they said I was not eligible because they closed my account and also never gave me a reason. There was also money left in my account as well just in my checking account that they are refusing to give me. Please help!
03/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19426
Web
Hello! On XX/XX/XXXX, I had a total of 18 transactions that were unauthorized taken from my Chime spending account. These transactions totaled {$1400.00}. I immediately contacted Chime and the vendor. I submitted to Chime a conversation that I had with a live rep at the vendor, XXXX XXXX XXXX, who confirmed my last transaction with them was XX/XX/XXXX. I submitted all the required documents to Chime. Chime denied my claim to them in a matter of three days. When I called to find out the exact reason, absolutely no one had a reason. The rep with Chime kept giving me the run around and couldnt even find a document on file that said why. I immediately reopened my claim. I also did more research and saw that the vendor posted on their website they were reportedly taking charges from XXXX of XXXX, the time frame of 1-15, that they said they never took from patrons. When I reopened my claim, I also sent to Chime proof that if the vendor was claiming this was the reason for the transactions being taken now, I sent over more proof of my bank statements from another card that they did take the charges from me already. This vendor had no reason to take this amount or anything from me. Chime reopened the claim .... and denied me again in less than a day! They sent me no documents, nothing. Absolutely unsettling.
10/21/2023 Yes
  • Prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • TN
  • 37214
Web
On XX/XX/XXXX I was XX/XX/XXXXon XX/XX/XXXX. I had a deposit to my chime account of XXXX I was released fromXX/XX/XXXXXX/XX/XXXX thinking I still had money in the account I didnt have acsess to the email connected to the account so I called they tell me my account had been closed for suspicious activity that my money was not in the account I explained that I had been XX/XX/XXXX for the past two years so they tell me the mine was taken out of the account in XXXX of XXXX I again explain I was in XX/XX/XXXX I couldnt have withdrawn any money and that no one had permission to acsess my account they give me the run around for 3 months email after email talk supervisor after supervisor finally one supervisor tell me that chime hadctaken the money for a credit builder card which they offer I had XXXX of credit with them and had not used it so where was my money she tells me that chime took it and closed the account that she was sorry nothing I could do basically and would never let me acsess the account so they stole my money which was deposited from the Florida XXXX I would like my money they are common theives please help me or give some advice of what should do thanks I dont have the card number my wallet was thrown away when I went to prison and chime would never let me acsess the account they closed it
06/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MS
  • 394XX
Web
On XX/XX/XXXX, XXXX closed my account without notifying me. I had an instacash payment from them that is stated in their terms I am not obligated to repay. Since my account was deleted without me knowing, I don't have documentation of my request to stop payment. XX/XX/XXXX they charge my Chime. XXXX I dispute with Chime and follow up with XXXX via email. After informing them the money is for Mom 's medicine, they replied that the payment was returned and no further attempts to collect would be made on XXXX. Dispute is denied with request for supporting docs, none rec 'd. Filed 3 rebuttals to date, the latest being now with others denied with no docs. XX/XX/XXXX XXXX confirms the payment was returned via email. Apparently they are either not communicating or I'm being given different information. I've been told by chime that they saw no attempts to return, and others said they see the attempt but chime did not accept it and even had supervisors tell me there was no attempt made and hung up on me. I feel Chime has dropped the ball, as my supporting evidence is indisputable but apparently overlooked. Furthermore I feel as though Chime should provide me with a credit and reach out directly to XXXX strictly about the transaction and not the dispute and get this resolved. I'm at almost 3 weeks waiting now.
11/29/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MD
  • 20784
Web
On XX/XX/2020, I received an email from XXXX stating that my account is currently closed. I received my direct deposit from my employer on XX/XX/2020. I have contacted Chime per their request and submitted the following documents ; driver 's license, social security card, passport, and 1095 for proof and verification of my identity. On XXXX, and XX/XX/2020 Chime continued to ask for the same information as stated above. I have contacted the following number provided by Chime XXXX XXXX XXXX XXXX XXXX. During my attempts to contact Chime via the provided number an automated response states that my account is currently closed and to email support @ chime for further assistance. I proceed to contact Chime again via email with my same concerns, received the same reply requesting my driver 's license and social security card. I have XXXX in this account and now in the middle of a pandemic, I will be unable to pay my rent on the first. I feel like I have been given the run-around. I am overwhelmed and stress because of this situation. I was informed that I will be unable to re-open my account, and told to wait 30 days in order to receive a check for the balance in my account! I have all documentation for this situation. I have even requested to have the balance placed in a different account an was told no!
06/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NV
  • 89121
Web
On XX/XX/XXXX I received several notification alerts to my phone of transactions being made that I did not authorize. Someone stole my card and information and charged over XXXX in a matter of minutes. While I was on the phone with a customer service rep to dispute the transactions my card was continuing to be used until I was in a negative balance and pin declined at the last location. I explained to customer service that I am the only person in possession of my PIN number so this was proof that each transaction was fraudulent. I was advised that a provisional credit would be given while under investigation and after a couple of days I received an email stating my claim was denied and the credits will be reversed. I continued to call and email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining why I disagree with their decision and would like to appeal. I continue to get generic responses and the decision was not correct based on previous transactions they would have saw that I live in XXXX XXXX Nevada and these transactions were made in California which I was not in the vicinity. I explained to customer service that my direct deposit has been taken as well due to the reversed credits making my account negative. I am unable to pay my bills due to this issue and I have also filed a police report.
02/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 92027
Web
I have been a victim of Fraud. I reported it to my bank ( Chime ) and they disregarded it. I do not think they looked into my claim at all. I reported all the unauthorized transactions totaling {$2500.00}. and I was given the following Dispute ID : XXXX. When I spoke to the representative on the phone he told me my debit card was charged at two different hotels ( thousand of miles away XXXX, XXXX, XXXX, and XXXX. I found out about this transactions through an Email chime sent me because I do not have access to my online account. I filed the dispute on Saturday XXXX XX/XX/21 XXXX and on Monday morning ( XX/XX/21 ) I received an email with the following information. 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 am shocked. I feel betrayed. I feel robbed. I need this money to pay my rent, buy food, and pay utilities. After doing some research on the internet I realized that Chime will deny most/all claims. They are not willing to investigate fraudulent claims. But how can they tell me no error occurred when Im calling to tell them I have XXXX been a victim of fraud. That all my money is gone and I am left with {$5.00} dollars. I am very upset. I need help to get my funds back. Please help me.
01/05/2021 No
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MD
  • 21601
Web
Hello XX/XX/XXXX I went to log into my chime account, an i got a notice YIKES my bank account has been suspended XX/XX/XXXX After finding out about my account being suspended i contacted Chime fast an i was told to email them documents i did that that i get a automated email stating thank you for reaching some one will get back with you as soon as possible. XX/XX/XXXX I sent more emails I called plenty of times whole a lot of times an was told the same thing i have to wait until support team get in touch with me. XX/XX/XXXX I'm XXXX at this point cause my paycheck just went into my account that morning i called an asked if their was a direct deposit an a chime member said Yes but being tho my bank account is suspended your dd went back to your employer please allow 1-3 business days for your employer to get, so now my rent is due an my utilities are due pass due i have no food an i have no gas money i have to switch banks on top of that my Stimulus check was suppose to get deposit into this account as well i just want to know where are direct deposits an how long is it gon na take for me to get my money? I don't want the bank account after that i don't want to deal with chime no longer dealing with chime will have your life a mess a reck an then some I will never in my life deal with chime again.
08/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • 20120
Web
I was sent to the XXXX XXXX XXXX XXXX on XX/XX/XXXX of XXXX and stayed XXXX until XX/XX/XXXX of XXXX in XX/XX/XXXX I took steps to recover my chime account by updating my email and phone number to my new information so that I could reset my password to have access to my account once I went through the verification process of updating my information and changing my password when I logged in, I realized that the state of Florida had deposited about {$2000.00} of my backpay for my unemployment into my chime account and that a person by the name of XXXX XXXX XXXX, somehow gotten into my Chime account and sent the money to her own self. XXXX at the time was my girlfriend and I believe that she took one of my old cell phones and access my account that way because she did not have my card or my permission to use my account. She stole over {$2000.00} from me and when I reported it to Chime, I also submitted documentation of my XXXX the dates of XXXX, and within seven hours they denied my claim and did not even investigate is clearly showing that the charges were made while I was XXXX and I had no way to make the charges myself and I did not give her permission nor did I even know that the money was deposited into my account until I signed in in XX/XX/XXXX is when I realize that the money has been stolen
05/21/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • IL
  • 60644
Web Servicemember
The amount of {$550.00} was refunded to me on XX/XX/2022 in the form of a credit from Chime, but there was money sent from my credit builder account and my savings account into my primary checking account to be sent to an unauthorized person. I was scammed and robbed while I was out of town in XXXX XXXX, Nevada from XX/XX/2022 to XX/XX/2022. I was contacted by the number ( XXXX ) XXXX on XX/XX/2022, my mothers birthday, by an alleged Chime customer service representative with all my account information, as well as, all of my recent transactions. The alleged representative was inquiring if I had used my card in XXXX, Florida, and was informing me of fraud while stating all my transactions back to me. I reached out to Chime, and they told me they would not be able to give me my money back that was transferred to my checking account from my credit builder and saving account. The amount that was transferred from my credit builder was {$160.00}. The amount that was transferred from my savings account in XXXX separate transactions of {$260.00} and {$27.00} in the full amount of {$280.00}. The total amount for all unauthorized transactions from my account was {$450.00}. I reached out to Chime as soon as the incident occurred, and I reached out to Consumer Financial Protection Bureau to report the issue.
04/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble closing card
  • SC
  • 29210
Web Servicemember
XXXX XXXX my tax refund in the amount of XXXX was deposited into my Chime account aka The XXXX, from The XXXXXXXX XXXX ( IRS ). I made a purchase to XXXX 's XXXX and paid a few other bills. On XX/XX/2023 my account was suddenly closed. I contacted Chime via customer service phone number. I then was directed to XXXX via email. I corresponded back and forth several times XX/XX/XXXX - XXXX 2023. I was told that my account was closed for suspicious activity. I was then told that I'd receive my balance via check to address on file after uploading identification and an explanation on why I had deposits sent to the account. It's clearly advertised that tax refunds can be sent to Chime amongst many other prepaid cards. Ive conversed everyday since then and no progress towards the release of my tax refund.Ive cooperated and sent everything requested. I just keep getting the same computer generated responses stating that I have violated Deposit Agreement Terms. Never anything specific. Due to this my family and I might be evicted, carless, and more in debt. I am a victim of Identity theft. XXXX has offered to verify my identity to them. Which Chime will not accept. Im out of options, I deserve to be helped and protected not to constantly robbed of my money and privacy. Please help me. Thank You XXXX XXXX.
11/02/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30339
Web
I was at XXXX XXXX XXXX in XXXX, Ga for my nephews birthday. I used my card at the counter to purchase a play card. My Chime app would not allow me to log-in account so I could turn back off my debit card ( I always have it turned off when Im not using it ) .I was not able to log in, due to Chime app saying they were experiencing issues. I tried to log-in approximately 5 minutes later, which was successful. I logged in to find that my money from my Chime secured card, and my savings had been transferred to my checking account. From my checking account {$300.00} was then transferred to someone who I do not know. This all happened within 4 minutes of swiping my card at the counter of the XXXX XXXX XXXX. The transaction states it was sent to a user on the chime app with the username XXXX, for dinner. I NEVER authorize anyone to use my Chime account, I do not give out my passwords, etc. I am a victim of theft. Not only am I a victim of theft I believe that the Chime bank has been hacked this entire weekend. They keep stating they are experiencing issues and not allowing me to login to my accounts appropriately. I have requested new account numbers, etc., which they have not provided me with. I believe that Chime is also responsible for not properly providing security protection for consumers like me.
03/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92840
Web
My password-protected phone was stolen on the XXXX of XXXX, several bank accounts were accessed, including Chime, my primary banking institution. They stole {$2600.00}, pretty much my entire balance, using a " pay anyone '' feature in the app, which allowed all of my money to be transferred to someone I had never interacted with, instantly. I reported my phone and money stolen, made contact with all of my banks to cancel cards, etc. Because my other banking institutions had protections in place, Chime is the only one that actually allowed money to be stolen. They are FDIC insured, and while they are not technically a bank, they present themselves as one and purport to have the federal and fraud protections of a bank in place. However, they have repeatedly denied my claims and will not issue a reimbursement of any kind. Despite the open police investigation, for which I have provided case numbers and the name of the detective leading the case, they will not even acknowledge that it was a theft. They repeatedly refer to it as " an error '' that they are of course, not responsible for. I have plead with them for over a month, the thief took every dime I had, and now I feel I'm being robbed again when my bank turns its back on me in my time of need. Your intervention would be greatly appreciated.
09/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IA
  • 50014
Web
Hello, I have an account with Chime back and ever since XXXX I have had fraudulent charges on my account since then. I have filed claim after claim and every time chime tells me nope you made the charges. If that were true I wouldnt file a claim saying the transactions were not mine. I cant count the many cards I have had closed and a new one sent to me. I have had i am going to guess 6-8 new cards sent between XX/XX/XXXX and XX/XX/XXXX because of fraudulent transactions. I would like my money back for all the transactions that are not mine which can be found in the 4 photos that I have attached. I have tried and tried to have a dispute opened again for all of the transactions but the online banking will not allow me to open one. I am also going to my local news channel to advise of them of what is going on with Chime bank and how they take money from people and do not properly investigate like they should. All my investigations were opened and completed in less than 24 hours. That is not nearly enough time to contact merchants and open disputes. Please refund the money that is owed to me. I have also uploaded an email Chime Bank that said there was a login from XXXX on my account. That is not me I am in XXXX My password keeps getting changed as well and I am not the one changing my password.
10/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • VA
  • 23323
Web
I have received 2 emails from Chime. One welcome email and an email stating that someone has logged in to my account from a new device. I ignored it because information was missing from the second email regarding location and type of device that logged on. The next day I receive another email, stating my card is on the way and is being delivered to an address that I am familiar with. Its an apartment address I used to live at but its a different building with no apartment number. That raised concerns so I called the company to report fraud. The first two times I called, I got a busy dial tone which was concerning but I go through on the 3rd time. The lady I spoke with couldnt verify me without my DOB and last four of social. I kept trying to explain that she doesnt need that information to locate an account that is using my email address. She insisted on it and I wouldnt budge and tried to explain that it wasnt me that opened the account so I dont know what birthday or social they listed, all I know is that my email was being used. I told her to search for the email and she said that doesnt exist in their system and again was adamant about my personal information. I hung up the phone and XXXX searches my situation with Chime and saw that others have been through this, which is absolutely crazy.
04/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 10025
Web
chime.com closed/froze my account in XX/XX/, 2023 and I can't access my {$470.00}. They did not return it does not matter what I tried. The reason for that was that Chime could not verify my account- I am a foreign citizen and Chime did not verify my identity with the foreign passport. However, the company did not had a problem when I opened an account and someone transferred money on my account, but Chime froze my account once there was a money on it... Originally, {$470.00} was sent by XXXX XXXX on my account in XXXX XXXX, 2023. So the company asked me to send photos of the front and back of a valid, government-issued photo ID, such as a drivers license or state ID card. I got the NY ID card in XXXX, contacted the support center and asked to verify my identity and give me access to my funds or at least return the remaining balance by check. After this we have exchanged several emails with the same texts - the company is sending me the same emails to send them the photos of the ID card, I am sending them and then receiving the same request from the other person acting like its the first time Chime requested the photos from me. Its like they are just trying to make me got tired and stop trying to get my money back. But I am a student and need every XXXX. Thank you! Best regards, XXXX XXXX
05/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92234
Web
I am an XXXX XXXX that opened a checking account with Chime Banks. At the time their digital platform didnt require valid identification therefore I was able to successfully open an account. After depositing my money into the account, Chime claimed that during routine monitoring of accounts on Chimes platform, we identified unusual activity. They ultimately closed my account when I couldnt provide them a government-issued photo ID. At the time of closing my account, the balance was {$4800.00}. I have repeatedly asked them to refund my money by mailing me a check, but they have refused, citing that I need to provide a valid government id and other documentation that I don't have. Chime has created a mousetrap for XXXX XXXX to deposit their money and then requires a government issued photo ID and other documents that we can not provide. Chime is now holding my money knowing that I cant fight for what is mine. My position is that Chime should not be allowed to keep my funds, if they decided to change the requirements they should allow me to close the account properly and return what is mine. In conclusion, Chime bank is legally stealing from me. They should either issue me a refund by mailing a check to the address on file or send the funds to the State of Californias unclaimed property.
05/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NH
  • 03867
Web
I received an email from Chime ( XXXX XXXX XXXX ) stating that my account was to close on the same day as the letter. Within minutes i was locked out of the banks app while trying to transfer my balances. No reason was given for the account closure. When trying to contact the bank via telephone, the automatic system recognized my phone number and instructed me to reach out through email to their support department, and disconnected the call. Upon emailing them, I received a generic generated response from a supposed 24/7 live support center. I tried using my card to make a payment, also tried using just my account and routing numbers from chime, and everything is declined. They are holding my money ( almost {$6000.00}!!! ), and none of the correspondences stated how they planned to return it to me, only that i should cancel any future deposits to avoid delays in receiving the deposited funds. I had a SECURED credit account with them, containing {$420.00} ; and a checking account containing {$5300.00} at the time they closed it. This contained monies is my rent, gas money for work, food money, and payback money to the Small Business Association for a PPP loan! Please help me! My rent is due on the first, amongst other interest-accruing accounts which will now be late, and for no reason at all!
09/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30319
Web
On XX/XX/XXXX my Chime Credit Builder card was stolen and the criminal proceeded to charge a total of {$2100.00}, depleting the deposit provided to Chime as security for this account. I wasn't aware that the card was missing until I recieved an email at XXXX on the XXXX that a charge was declined at XXXX in the amount of {$150.00}. After verifying that my account did have insufficient funds I immediately contacted Chime support via their messenger platform in the app. At that time the customer support representative canceled the XXXX XXXX and issued a new one. This representative also assured me that my funds will be replaced within 5 to 7 business days. Three days later I contacted Chime via phone to confirm that they were putting my funds back in my account. It was at that time that I was informed I needed to file a dispute on the track. I was also informed that it could take up to 90 days for my dispute to be resolved. Less than 24 hours, my dispute was denied. In an attempt to file a rebuttal, I uploaded my police report in hopes that this would be sufficient to support my dispute and return the funds to my account. I was then denied a second time. Upon receiving this denial, I asked the email what documents or information would be needed from me. I have yet to get a response from Chime
08/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 60406
Web
I was scam by Chime XX/XX/2023 for about of XXXX. I got a called from chime that morning saying someone in Florida was trying to use my checking account they was going to stop the card and make sure nobody use it because they see I'm in XXXX XXXX so the person who called said they sending me some codes to stopped the card and from them taking my money so they start sending code asking what's the codes I told them remind you I trusted them because they called from the chime number so they told me wait to 10 to 15mins as the continue working with me I waited they said your card close another one will be in mailed 7 to 10 business days I get on there to check my card they remove money out my XXXX XXXX to my checking and start purchasing something at the pharmacy at XXXX I had five different purchase two of the amount of XXXX, another two of amount XXXX, also one purchase of XXXX I called chime they put it in investigation they representive said I can see you didn't purchase this because your purchases haven't never been out there I been with them for years now the representive then start the dispute as we doing that someone tried to link my card to a XXXX XXXX she stop all international transactions and block them I then get a email saying they didn't see anything wrong like I made the purchase
01/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30060
Web
On XX/XX/XXXX. I drove up to an XXXX ATM machine on XXXX XXXX XXXX XXXX Ga and did two withdrawals in the amount of {$500.00} the first one at XXXX was successful. The second withdrawal of {$500.00} at XXXX the ATM dispensed the cash as I went to grab the money the machine sucked the money back inside. I sat at the ATM for a minute thinking the machine would spit the money back out, it did not. I went inside to the bank and was advised by the customer service reps they could not assist me because this was not my bank. I would have to file a dispute with my bank. I called my bank Chime right then to file a dispute and explain what happened Chime informed me the investigation will take 45 days. Then 10 days later I received a provisional credit all for them to email me on XX/XX/XXXX to reverse the provisional credit. I contacted XXXX branch they own the machine they contacted there ATM Resolution Team they see an issue the day and time in question. But stated that can not further assist me because I don't bank with them. Chime would have to recoup on there end an investigate and they really have not. I sent all documents they requested right away the same day. Chime haven't been helpful or unwilling to help me in this matter. Please Advise? My phone number is XXXX. My email address is XXXX.
12/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • IL
  • 60625
Web Older American
On XX/XX/2021, I received in the mail a debit card registered to my name with account information ( account number and routing number ) from ChimeXXXXXXXX XXXX Bank XXXX I did not open an account with Chime and had never heard of this bank. I immediately called XXXX, the number listed on the card to inquire about this account and spoke to " XXXX, '' who started taking notes without asking me the account number or any other information about the letter, rather he insisted that I provide the last four digits of my social security number. I provided my email address, my name and offered to provide the account and debit card number but he refused the account information and insisted on knowing the last four digits of my social security number. I insisted that at least take the account number so that he could block the account from any fraud incurring on it, however he said he can not do that. I asked for a manager, and he said that he is the supervisor and that is the highest level a customer can be provided on the phone. He also mentioned that he is stationed overseas and can not transfer me to U.S. support or anyone who can close the account. Rather, he notified me that Chime would contact me via email to respond to my inquiry and did not close the fraudulent account as I had requested.
10/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33327
Web
I opened an account in Chime in XX/XX/XXXX because I was traveling to XXXX, and Chime advertises they dont charge any international fees. My account number is XXXXand the email used to open the account is XXXX. I deposited {$310.00} dollars in the account for traveling expenses. On XX/XX/XXXX I tried to pay for an expense in XXXX and the account was locked. Chime states in their phone application that there is an email to send information to verify my identity and unlock the account. The same day ( XX/XX/XXXX ) I sent the requested information to chime. After multiple calls and escalations ( my mom and and dad called twice, and I called in XX/XX/XXXX and XX/XX/XXXX ) the account continues to be locked andfunds are not available. I received a support ticket # XXXX however when I asked today to the supervisor if the account can be cancelled, so I can receive my funds back, or if there is anything that can be done to access my money. Supervisor states that there is nothing to be done, there is no time to resolution and there is no one that we can call to address the problem only the " backoffice department '' can Unlock the account. I have not been able to access my money, and this company wont respond to the emails I sent. As of today Chime has locked me of accessing my money for 23 days!
03/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MA
  • 02128
Web
I Was using Chime to receive my direct deposit Its. Everything was going fine until I was incarcerated in 2020. I had A little over {$5000.00} it's in my chime account until I was incarcerated While spending time in jail I could not give anybody my Personal information such as my social security number to access my account I account and of course I could not access my account my account myself. When I Was released from jail the 1st thing I did was try to log into my bank account and I was told that my account was closed I have been sending email after email after email to chime customer support months later I finally received a response and they told me they would look intold me they were looking to my problem until finally after some time XXXX after some time they responded and told me they determined I was uneligible to receive my own money. I have no idea how this could not be illegal I need my money. there was nothing I could do about my account Not being used for that period of time either way it was my money and when they close my account I should have been sent that money immediately please get me my money return to me thank you. I will attach whatever emails I have what what please note the email I use now is different from the email address I had when I opened the time account
10/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 078XX
Web
I have 2 accounts with Chime and the bank they represent. 1 standard checking account and 1 secured credit card. I noticed unauthorized activity on my credit card. I have it in my possession, so someone must have stolen the number. I reported this to Chime and locked my card. This was the first week of XXXX. After more than a week with no help, Chime decided to just lock my entire account. I can no longer access it. I can not pay my credit card bill ( which will hurt my credit ). I can not access my bank account. And they even prevent me from seeing any of my statements. So any more charges will be unnoticed. Chimes response was for me to send my Driver 's license, pay stubs, taxes, proof of address, SSN card, billing receipt 's, a picture of my holding my cards, and anything else you can think of. They asked for this despite them warning customers not to share this. I gave them a picture of my driver 's license. This was enough to me. Since my account with chime was compromised, I feel it would be foolish to essentially send them my entire identity. Chime refuses to let me access my account. I would be perfectly fine just paying my bill and transferring my money to another account. But they refuse. They essentially have taken possession of my credit card and my bank account.
08/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • MD
  • 20817
Web Servicemember
On XX/XX/2021, I received an email that my email has been used to open a Chime checking account. Although the email is mine, the account is under my husbands name. I have never heard of this bank and never have opened an account with them. I tried using password recovery with both the last 4 of my ssn and my husbands ssn and neither worked. The checking account is clearly made with someone elses stolen SSN. I tried emailing Chime customer service but they refuse to close the account without me sending them photos of my full Drivers License and Social Security card. I refused to do that stating that since I am not a customer with them, I dont feel comfortable handing over such personal information. They should be checking whether the social security numbers being used to open accounts with them match the names being used. They are clearly not doing this and encouraging identity thieves to use their institution. I have sent a total of 22 emails within the last 4 days trying to resolve this and each time a different customer service person responds, asks for more personal info and then I never hear from them again after I refuse to hand over that information. I need help to close this account and this bank should be fined for not doing any due diligence when new accounts are being opened.
07/21/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NV
  • 89048
Web
I was 40 miles away from my house going to a final inspection of my new house when I received a notification from Chime that {$500.00} was removed from my account via atm. I immediately reported the fraud and had them cut off my debit card. I filed a fraud report since I did not take that money from my account. Later that week after I reported it as fraud I was told by Chime that it was not a fraudulent debit and that it had been done with a pin and there was no failed attempts. But after checking what ATM machine it was withdrawn from and several phone calls to XXXX and the XXXX XXXX XXXX Police department we determined that the address given by Chime in the alert was a bogus address and does not exist. XXXX also confirmed that they do not have an ATM in that area. We resubmitted what we had found to Chime and they still refuse to return my money. They never even asked me any questions or did any investigation as far as we know. I have attached their idea of a questionnaire to " investigate '' my claim not sure how they used it but it is not really much. They never called me or spoke to me on the phone regarding my claim. The attached from is their idea of information used in them determining if my claim was valid. There is a bunch of emails from an automated system if you want those.
03/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32725
Web
I made a purchase online through XXXX XXXX When I went to pick up the item the address provided was fake and the seller wasn't there. I called the police and filed a report and immediately reported to my bank and cash app. XXXX XXXX told me they could not get the money back and to try my bank. My bank refunded one of the three transactions and then proceeded to tell me that they could not refund the other two as they had no way of getting the money back from the seller. Chime told me I should ask the seller for a refund. I explained it was an internet scam and the seller was not responded. Chime claimed they could do nothing to get my money back as I did authorize the transfer. I explained to them I wasn't arguing the authorization but the receipt of goods. Chime proceeded to tell me there was nothing they could do and refused to give me contact information for seller or XXXX XXXX. All information was provided to settle in sellers favor but when I requested proof Chime sent me a heavily redacted copy that had the contact information blocked out. I have copious documentation to support my claim and all the information provided from chime. I only want my money back. Chime wants me to believe the seller has a one way money account and they can't zap money back out. Absolutely ridiculous!
05/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • VA
  • 23224
Web
On XXXX, after using my debit card at the ATM at a local XXXX store, my card was lost or stolen. I received notification on my phone from my bank there was a transaction made using my bank card ending in XXXX for the amount of {$360.00} on XXXX. I looked for my card, unable to locate the card so I report to my bank Chime XXXX XXXX XXXX XXXX because charge was pending they suggested I reach out to the merchant for refund. I contacted XXXX from a XXXX search which said if an unauthorized transaction was made within 30 minutes contact this number. I reached out to the number, provided transaction time, date, amount was assured they would be escalating the issue to a higher up team then I should be refunded within 3 business days. I received an email that they were unable to locate the transaction. After contacting them several times still no record of the transaction. I contacted my bank they initiated a dispute which has been closed with no errors found. They reopened the case after I sent the emails XXXX sent me to inform about not being able to locate the transactions. They closed the dispute case again with errors found.. I've reached back out to XXXX and still no help and now I'm without {$360.00}. I do not know what to do at this point. The bank is not helping and neither is XXXX.
02/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92037
Web
On XX/XX/XXXX I became aware that I was the victim of identity theft, as a fraudulent credit card was on my credit report ( tied to phone number and addresses that do not belong to me ). I immediately reported this to the police. I then disputed the inaccurate information to all three credit bureaus as well as sent them a copy of the police report ( which they have all received - as I have tracking confirmation ). I then called the creditor ( Chime Stride Bank ) to report the fraudulent account and have them close it. The Chime Stride bank call center just routes me to send information and response request to an email. I have emailed Chime Stride bank the police report of the identity theft twice. I only receive automated responses from them. I then heard from two of the reporting agencies that the creditor keeps reporting the fraudulent account as valid on my credit and therefore the credit bureaus will not remove it from my credit. I have created a report with the Federal Trade Commission and now with the Consumer Financial Protection Bureau as this creditor ( Chime Stride bank ) has been informed that this is a fraudulent account and refuses to report as such on my credit so it can be removed. They are also stonewalling me from being able to elevate it within their organization
04/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 77075
Web
I had a chime account. I file 2 different disputes and 2 different rebuttals because they denied my disputes EVERY SINGLE TIME! They didnt proceed with any thorough investigations. My claims were denied in less than 24-72 hours. Together the balance of both claims was over {$4000.00}. Ive submitted proof and documents to prove that those transactions were unauthorized. Today. XX/XX/2022 my account was deleted without any warning! I called and even complied with the supervisor of chime and she was EXTREME rude to me and threatened to hang up on me. I am a single unemployed mom of XXXX boys, XXXX XXXX XXXX XXXX And I am also XXXX XXXX XXXX with no form of income. I am emotionally and mentally exhausted with this situation. All I need is a little help. The first dispute that was filed was faulted by chime. I had an issue with XXXX XXXX before and I politely asked them to block that merchant, they assured me they did. 2-3 months later my purse was lost with all forms of ID and also credit and debit cards. And over {$2000.00} was stolen from me through XXXX XXXX Which was a fault on chimes behalf. Chime has a policy saying after 10 business days is the dont come to an decision that I automatic receive a provisional credit to my account, but they deleted my account on the 9th day.
09/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Late or other fees
  • IL
  • 60617
Web Older American
For the last two years my account has been hacked and funds taken out by various companies, all except one I have never heard of. I have detailed each charge and dates in the attached documents upload as they are too numerous to list here. These charges started in XXXX and continued until recently in XXXX ( XXXX ). I had not realized these charges were being taken out until I started tracking my account activity after the latest disputed charge and even one dispute at the beginning of XXXX that also caught my attention and I disputed it and it was denied. What made this denial incredible is my dispute on this same merchant was upheld a few month before in XXXX. Whenever I see a charge I don't recognize I report it and file a dispute and the bank is supposed to investigate it but I have little confidence with the lack of time that was spent investigating these several charges that it was thorough and complete. I even had 3 companies refund charges to me as much as they could because they realized the charges were false and said the bank would have to do the rest of the refunds by contacting them but the bank didn't recognize that as proof either and denied some of the disputes and didn't recognize the or address the others. All is documented and presented to you for your review.
07/18/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NY
  • 11580
Web
Sometime between Monday XX/XX/21 and Wednesday XX/XX/21, I received a Chime Visa Debit Card that I did not request for an account that I did not open. I contacted Chime via email on Wednesday XX/XX/21 to let them know this and to request that they cancel the account. After a couple of automated responses and requests for more time, on XX/XX/21 Chime requested that I send them a copy of the debit card that I received. I complied with this request also on XX/XX/21. Later on XX/XX/21, Chime sent an additional email asking me to send them a copy of my " valid government-issued ID '' and the last 4 digits of my Social Security Number. I responded on XX/XX/21 that I am not comfortable providing them with this personal information over an unsecured email but they responded with another email on the same day insisting that I provide them with the additional personal information they requested. On XX/XX/21, I sent Chime another email declining to provide the personal information that they requested and told them that I would contact FTC/CFPB instead. Later on XX/XX/21, Chime responded that they would block the account to prevent unauthorized access and I responded on XX/XX/21 that I would like them to close the account and not re-open one in my name without first contacting me directly.
06/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • IL
  • 626XX
Web
XXXX date XX/XX/XXXX and XXXX XX/XX/XXXX first XXXX plus $ and second was XXXX plus $ ive reached to you all before back when this first occured but i since havent gotten my money back ive closed the accounts 3 or 4 times and they keep reopening it so im going at it again to get my money back Im having issues with chime bank theyre legally withholding funds from me they overcharged me for their chime credit builder account back in XXXX Ive called countless times when I called them they send me through loops and circles when I ask for a supervisor they place me on hold for 30-45 mins every time then they come back and they either make their voices deeper pertaining to be someone else or just transfer me they wrote the payments off as adjustments then sent out an email about their systems having issues about it and when I went on there XXXX and XXXX commented about it I noticed tons of comments of others having the same issue and nothing is being done ive saved all my chats and emails from them and Im just wanting my money back theyve taking over XXXX dollars from me I need truly need some help getting these funds returned to me. Can you please assist? My account is under XXXX XXXX I can provide all documents and anything else needed. ( Ive uploaded the documents on my last case
10/07/2023 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NM
  • 87031
Web
While I was asleep at XXXX in the morning on XX/XX/XXXX my chime bank accounts were hacked. All of my checking was gone and savings and they opened up a credit card in my name. They put thousands of dollars from my savings onto the credit card and spent it all. They gave me my checking account back within a few days however its been over XXXX months that Ive disputed it numerous times and done rebuttals. I sent them an email of how I got text messages when the hackers changed my phone number on the account. All of the charges for XXXX were in the middle of the night and all of the ones that were on the credit card that the hackers opened were all to XXXX name via XXXX XXXX. I do not have XXXX XXXX and I do not know the person that all the transactions were to. I have been fighting for months now to have them get the money back and close the credit card and put the money back into my savings account that was stolen from me. I have no idea how they arent able to see it was obvious fraud there are so many red flags and Ive provided them with additional information and screen shots showing the hackers changing my account info. I am now in my third rebuttal with them and still from any of the previous ones have I gotten any documentation as to why they arent resolving this for me.
11/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 95023
Web
On XX/XX/2022 went to a atm to withdraw money and was met with a atm error so tried it two more times just to be met with the same atm error. So I check my balance and it said {$300.00} dollars withdraw.i turned off any other transaction on the card and gave them a call they told me to turn my card transaction back on because in XXXX hours my money would be back.the following morning there's was an additional {$300.00} dollars withdraw from my account.i ended up sending them everything they wanted me to send and I got a temporary credit of {$600.00} dollars until my case got resolved. I had a couple of dollars on the card so I picked up a beverage at the store with the card but was declined so I checked and it said I was - {$600.00} dollars. So I called and told them why am I in the negative they told me that they couldn't open my files so I owe them money. I clearly explained to them I just want my couple of dollars back. So when I got my check from the Biden tax/gas relief it went to that card and I been trying to get it back and was met with a dozen of explanations and dates and was told that I canceled my own claim. The company is chime and I really don't know what else to do I tried a small claim attorney but was told the dollars amount is to low. Someone help me please.
11/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 31061
Web
On XX/XX/20 an unauthorized charge was made on my Chime XXXX XXXX account. I immediately contacted the customer service team to stop the transaction. The agent informed me that the charge would need to clear before I would be allowed to dispute the fraudulent charge. After the payment cleared I submitted the dispute, it was investigated and then on XX/XX/20, I was informed that the investigation results determined that the transaction was not a billing error, and my money would not be refunded. I requested the paperwork that was used in the investigation that caused them to come to this inaccurate conclusion. According to the credit agreement, they have 10 days to turn over the documents in this case. They have not complied, nor have they followed up with any of my emails since. The charge in question was made from a XXXX for {$94.00}. This is all the information I have and can not find a business with this name. I was not able to get any more information from Chime support. The credit agreement stipulates that if Chime XXXX XXXX does not follow the correct procedures in the dispute process then I would not be responsible for {$50.00} of the charge in question. I have not received any response from them regarding this issue either. I do not know what else to do at this point.
09/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • TX
  • 76117
Web Servicemember
I opened my checking account on XX/XX/2022. I attempted transferred {$2100.00} from my XXXX XXXX XXXX over to my chime account. Once that transfer started chime locked out my account due to internal policies. They stated that to unlock my account I had to send two copies of ID as well as mail with my physical address on it. I was told by the Chime representative that as soon as I submitted my documentation I would have my account open in 24-48 hours. I immediately submitted the documentation to them. My account is still locked, I have spoken to them on the phone and each time they assure me my account will be open in a few hours. I have been also told that the phone representatives can not help me and the only people that can help me are only reachable by email. I have emailed them at XXXX multiple times and they dont respond to my request other than to say they are forwarding my emails to the proper department who never answer. I told them that I want to close my account with them and for them to return my money to my XXXX XXXX XXXX account. They told me they will not send my money back to XXXX XXXX XXXX until their internal policies have been resolved and my account is unlocked. They told me there is nothing to be done, my money is unavailable, and I need to be patient.
08/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CA
  • 941XX
Web
I am opening dispute with Chime for failing to credit me and my {$1500.00} that they approved. They only gave me {$560.00} back. I called in to ask why they explained that my a.k.a. XXXX which they call the merchant refunded me the money, which was actually me withdrawing previously deposited money to offset what was lost in my account from my friend, using my account and losing my money. The specific incident happened in XXXX where my friend took {$1500.00} from my bank account and deposit it into a XXXX that I use. He traded with it and lost all the money chime saw me put money back into my account from said XXXX, and claimed it was a refund when in fact, it was me putting my own money back into my bank account that was taken out and lost by my friend through trades. Shame, even though being a said, financial institution, can not seem to comprehend how a broker works as they do not offer refunds. Ive had to call in aboXXXX XXXX XXXXes to get my ticket escalated. I have provided the correct documentation, such as withdrawals and deposits to prove that the money was completely lost, and I had to use previously depositing money to offset those losses, which were deposited to the broker from a completely different bank. Please help me get my money back. They owe me {$930.00}.
08/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MA
  • 01970
Web
On XX/XX/2023 my account was closed by XXXXThe Bancorp Bank due to suspected fraud. They are saying that my account was marked as suspicious and thereby closed because of cash deposits I did at XXXX through a service they offer. All of my cash deposits were from the tips I receive from my job as a server that I get in cash at the end of the working night. The amount of cash that I have deposited is less than the total amount of cash I have claimed on my paystub and they still refuse to refund my money. They have also taken all of the money that I received from my birthday as well as money that I received from payroll from said company. I reached out to chime on the same day, XX/XX/2023 with everything they asked and they have said that my account was not in compliance and that my money can't be refunded. In my opinion I have more than ample proof of every deposit I made including checks and feel that they are making a huge mistake withholding money from a very broke XXXX that can't even afford to pay their bills at this point. As far as amounts, I deposited {$500.00} in cash on XX/XX/2023, {$320.00} on XX/XX/2023, as well as an {$80.00} check from my father for my birthday on XX/XX/2023. The amount that is reflected in my most recent paystub for cash tips is {$900.00}.
11/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TN
  • 37923
Web
I deposited {$170.00} on XX/XX/2022 and it was to be available on XX/XX/2022 and it was not and the app register was corrupted and there was no trace of me depositing it. I tried reporting it on the chat messenger in the app but couldn't get help at all so I left a text based message in a contact form on the app. Then I called and that was a waste of time. I'm not sure who answered but they sure didn't get being a XXXX XXXX XXXX or business in XXXX. She claimed my check was deposited at another financial institution but wouldn't tell me which XXXX ir in what account. They would not refund my money but wanted to cancel my card and I said no thank you but they argued and insisted. My card was not violated and that would inconvenience me more. They said I'm warning you and then said this your last warning. Then he admitted he ported the number and answered the phone to close down the company. They took {$28.00} XXXX weeks or a month before and {$25.00} for XXXX weeks before that once a week from that account. XXXX was violated to and it was done right away when I received the payment XXXX times. XXXX dose of {$25.00} and then {$18.00} out of {$20.00} payment and then {$10.00} and when it did that it pretended it owed {$7.00} and they left the {$2.00} that was already in there.
07/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble closing card
  • OH
  • XXXXX
Web Older American
Fraudulent mail received XXXX XX/XX/2021 through USPS. Mailing had a Chime VISA Debit card enclosed activate your card in the Chime app. Letter inside claimed Set up Direct Deposit with Chime & get paid up to 2 days early. Sign and deliver this form to your employer or payroll provider, and watch the magic happen. But there wont be any magic. I did not activate the debit card. The only magic this bank will see is a consumer complaint for fraud. XXXX XXXX, XXXX legal editor and Attorney, writes in her article What Should I do if I Get a Credit Card That I Didnt Request in the Mail? : Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ). The bank even sent a text message regarding the mailing on XXXX XX/XX/2021 via number XXXX. Hi, XXXX. Chime here. Youve got mail! Your Chime Visa Debit Card was delivered in a bright green envelope. Text STOP to unsubscribe. I never requested a credit card with this bank. I never ever contacted this bank. I never opened an account with them. What the bank will need to address is how they got my personal information. All illegal. All fraudulent. All unsolicited. This is financial fraud against seniors.
02/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AR
  • 722XX
Web Servicemember
I have a debit card through Chime bank card. I filed a dispute with a company that I have patronized weekly/ bi-weekly with my debit card. I got services from the merchant, XXXX XXXX, in XXXX XXXX, XXXX. On XX/XX/2022, I got a full, fresh new acrylic nail set. This set is supposed to last XXXX XXXX XXXXXXXX weeks before needing a fill. Within the first week my nails were splitting. This is not normal because I have been getting my nails done for XXXX XXXXXXXX years. The nails were just not done correctly. They were filed unevenly, not enough acrylic added, gaps, lifting and therefore causing damages to my real nails. The nails were hurting and splitting in the middle of my real nail bed, I was advised to cut the nails off. My nails have to be manicured at all times for business purposes. I have a business and have lost money due to me not being able to get my nails done. I have to let the damages to my real nails grow out before getting them redone. I can not take pictures and have lost revenue. I opened a dispute with Chime Monday, XX/XX/2022, and Chime closed the dispute before the thirty days were expired not following the Federal trade Commission 's policy for disputes. The dispute was to be opened until XX/XX/2022. The dispute was closed before giving me any details.
12/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • FL
  • 32505
Web Servicemember
On XX/XX/XXXX, Chime Bank closed my account without my approval. Requests to get information on the validity of closing account have remained unanswered. They only stated that a closure check would be mailed within 14 days. XX/XX/21, I informed the bank that I had not received my funds, and that I had moved to a new address. They asked for my last four digits of my SSN, front and back of ID, a selfie with me holding my ID and a piece of paper with todays date and name written, and a proof of address. I submitted the requested information. ( they would ask me to resend multiple times throughout this ordeal, and would change what they would accept for proof of address ) XX/XX/21, informed chime that I had never received the closure check. They asked for the above information, again so I sent on XX/XX/21. XX/XX/21 - requests to speak to a supervisor denied. Multiple instances of being hung up on with customer service. XX/XX/21 - Submitted information again. They replied that a closure check would be sent 7-10 business days. XX/XX/21 - Check still not received. Inquiries on status of closure check sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have gone unanswered. Bank is now refusing to communicate and they still have not provided me with a closure check.
08/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • VA
  • 23231
Web
I submitted disputes to Chime because I had a fraudulent charge from an online business. I explained I lost my phone and this is when the charge occurred. Chime denied my dispute. I submitted a rebuttal and provided chat history with the merchant explained it was a fraudulent charge and the merchant recommended I reach out to my bank institution. The chime customer service center continued to send the exact same email to me every time I asked for an update or provided more information. I called chime and they read a dialogue off their screen and every representative said the same information and did not help me. The managers all said the exact same thing to me and read a dialogue no matter what I said. They recommended I reach out to the same email that would send me the same response no matter what I submitted or explained. I asked for the corporate number and I was denied this information. I asked for another manager and was always told there was no other manager for me to speak to. I never received help and along with chime I submitted a dispute to my other bank and they closed out the case in my favor with the same information provided. I provided this documentation from the other bank to chime and I continued to get the same response and no further help with my case.
08/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60056
Web
In XXXX I made a purchase on XXXX. After hearing nothing regarding that order, in XXXX I contacted them asking for a refund and to cancel that order. They offered a gift card instead. I wanted to give them a second chance so I took the gift card. After months of zero communication regarding the order I contacted them again. Several times. When they finally responded a month later they stated they would offer me a refund via gift card. This was not satisfactory for me. I stated after months of zero communication and zero orders fulfilled I would not be shipping again and wanted a refund via my original payment method. The company stopped responding. I now filed a dispute with my bank, Chime. Chime denied my dispute and after asking for a reason why, they never responded. I filed a complaint with the XXXX. XXXX emailed me saying after weeks of trying to contact XXXX they could not get a response. I just want my money back for an order I never received. I will never be shipping with this company again. They stole my money and I never got any goods or service from them. Chime denied me without giving me a reason. I have tried and tried to get in contact with someone and can not. I am beyond frustrated. For clarification purposes my order number was XXXX XXXX for {$200.00}.
07/20/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 75181
Web
I have been having a very hard and frustrating time trying to get my money back from Chime Bank after someone hacked and cleared my account on XX/XX/2022 with XXXX sperate transactions one for {$380.00} and other one for {$1300.00}. I have made several claims to chime to try to get this resolved and they have done nothing but denied my claims time and time again. I do not know what else to do with them they are a horrible company Bank to deal with. They have had me email several departments i call and they dont help they tell me to email the chime support team and they send me the same message saying We do not find that an error has occurred. We consider this matter closed. I have sent them photos and evidence to back this up and still get denied. I have made it clear from the moment it was charged that i did not authorize the transactions. I was hacked they were able to get into my account change the email and phone number to the account so i was unable to get back in it took me 6 days to be able to have acces to my account again since chime can only help by emails when I call they tell me to email. This has been a very big inconvenience Inhave kids and bills that i havnt paid to this day almost XXXX weeks later because of this. I hope yall can help me XXXX thank you!
07/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 94133
Web
On XX/XX/2022, I tried to log into my Chime account but could not because the company had arbitrarily closed my account. My account was closed without notice or reason ; the failed login attempts were the only way I found out. I tried to call support but the company redirected my call based on my phone number to an automated message on the basis they had closed my account, this effectively eliminated any chance of talking to a real person for support. My only recourse was to send an email and I received a generic response from the company about 11 hours later. Support suggested I was in violation of the Deposit Account Agreement. I read the entire agreement and it's not clear which provision ( s ) I supposedly violated. I was quite surprised to hear that I was in violation of any policy given I did not make any changes to my account info or transaction behavior. Additionally, I just verified my identity and source of funds for Chime between XX/XX/XXXX and XX/XX/XXXX of this year after they flagged my account for review. I responded to Chime 's last message asking for further clarification but they have stopped responding. Chime is currently holding +/- $ XXXX of my money, but I don't know for certain because I can't access any information or get in contact with anyone.
06/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19132
Web
There was a transaction on my Chime checking account for the amount of XXXX at XXXX that I did not authorized or approved on XX/XX/22 at XXXX am EST. I noticed the alert of this on my notifications and I immediately called Chime Bank and I informed the company of the fraud that was committed on my account. They informed me that there was nothing they can do about it until the transaction was no longer pending. Today, XX/XX/22 at XXXX am, once the transaction cleared, I filed the dispute. Not even an hour later. I received an email back from the dispute team stating that it wasnt any error made. I called the company back and asked to speak with a supervisor who verified the fraud who told me he escalated the dispute and asked for my account to be credited. After speaking with the supervisor. I grew weary of not seeing an update on the dispute and I called the company back in a few hours and spoke with another supervisor who stated that they were the only person to speak with and that the fraud was a correct charge. I have noticed that this has been happening for years with other former Chime Bank members and decided to remove the remaining amount of funds from both my Chime checking and saving accounts. They prevented from transferring the funds to my new bank account.
01/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • DC
  • 20011
Web
On Monday, XX/XX/2022 I received an unsolicited Visa card from Chime, a financial technology company based in XXXX XXXX. The card was in my name and sent to my home address. On Tuesday, XX/XX/XXXX, I received a text from XXXX notifying me that my Chime Visa was in the mail. I contacted Chime via the help phone number ( XXXX ) listed on their website ( chime.com ) to close the account as I had not opened the account. Chime asked me to verify my information, but the email address on file was not mine, and so the customer service representative said they could not close my account over the phone. A supervisor informed me I would only be able to close it after submitting documentation, but I needed to wait for their fraud department to contact me with information on where/how to submit that documentation. I am still waiting ; in the meanwhile, someone has access to a digital financial and banking account in my name and is likely using this fraudulent identify to commit fraud. I asked for an alert or freeze to be place on the account in the interim. The customer service supervisor I spoke with said this happens frequently. Chime makes it easy for anyone to open an account with anyone else 's information, and the company erects unnecessary barriers to close the account.
07/07/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30344
Web
On XX/XX/2020 chime bank closed my account at XXXX $ chime ask me to send in documentation to verify the funds in the account I sent legal documentation to chime numerous of times chime informed me that they could not restore my account and any funds in the account I should talk to the sender I have tried speaking with the sender they have yet to receive funds from chime its now XXXX again going on a year I havent received my funds from chime I have worked hard for my funds although with this change in my life I no longer have a job or home because of this I have told my landlord I would pay but I couldnt because chime took my money this isnt right now I am sleeping from house to house trying to get back on track I am sick I have gotten my attorney involved but that isnt something that I want to do but they are actually pushing it they dont respond to emails I have two complaints and my attorney is now working on this I dont want to move forward with this lawsuit at all but I have to do whats best for me If chime is willing to open my account back up and let me retrieve my funds I will stop the lawsuit I am putting against them I just need help with getting my funds back chime have no right to closed my account because of a amount that was deposited thats very hurtful
05/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • FL
  • 33130
Web
I contacted chime bank on XX/XX/XXXX livid because they closed my account after 2-3 years or longer banking with them receiving the same direct deposits. They claimed there was non compliance with Direct Deposits. 1st violation they closed my account with ZERO WARNING NO EMAIL NO CALL NO LETTER. After going back and forth they LIED and claimed to have mailed my checks for my spending account and credit builder account. On XX/XX/XXXX one of hundreds of employees because they outsource to XXXX claimed a check was mailed on XX/XX/XXXX. I requested a tracking number they can not give me one. Makes no sense checks were mailed but they have no tracking. One rep tells me a check was mailed another tells me if they have no tracking then they did not process the check so which is it? It is now XX/XX/XXXX and no check. I contacted XXXX and they have no packages in their system for my address. So chime has blatantly LIED about sending my funds. I have over 50 Emails going back and forth and have spoken to the same rep twice. They are providing false information to cover up whatever shady practices they are in involved in. I have my last bank statement so I am aware of exactly how much I am owed. I want my checks sent overnight with tracking to avoid this becoming a legal matter.
06/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 95205
Web
On XX/XX/2021 I tried accessing my Chime Account and it didnt allow me access stating my login info wasnt correct, I then emailed them I was having trouble accessing the account they then replied my account was suspended due to them needing information about where my funds come from that were deposited into my chime from my ( XXXX XXXX, XXXX, and XXXX XXXX ) they stated I needed to provide My ( ID, Explanation, Documentation ) of the transactions from these other platforms, I then called to speak with a representative to confirm this is what was needed and they stated they didnt have a call line to speak with fraud department and could only speak with them via email, I then complied and did so via email as I was instructed to do so the rep assured me this would resolve the issue which it didnt and they sent another email stating I now needed to send them these documents ( Picture of myself holding my ID Card, Social Security Card, and Statements from ( XXXX XXXX, XXXX, and XXXX XXXX ). I then reached back out to them asking my this information wasnt disclosed in the email in the 1st place they then told me they couldnt release my account or funds until I did so or my funds would continue to be held my them until I provided those documents and personal information.
09/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • VA
  • 22903
Web
I began receiving emails from Chime on XX/XX/XXXX notifying me that I had opened a debit card with them, and had made a purchase. I never opened a Chime account and certainly did not make a purchase ( which apparently was done in Texas, a state I have not visited in years ). I wrote to them to say that this was a fraudulent account and that they should close the account and flag it to prevent anything further being opened in my name. After I verified my identity, they wrote on XX/XX/XXXX to say that they were putting a " hold '' on the account and to follow up if I wanted the account closed. I had already requested multiple times that it be closed, but I responded and again requested that the account be closed. I have emailed three more times in the last week ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to make this request and they have simply ignored all of those requests ( plus the original requests prior to the " hold '' ). The lack of reply is clearly intentional since they responded quickly to my initial email reporting the fraud. From what I have learned about them, I suspect that they are refusing to close the account because it is part of their growth strategy/PR not to close accounts so they can claim huge customer growth. Either that or something worse??
07/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Advertising
  • Confusing or misleading advertising about the card
  • OH
  • 442XX
Web
I have a Chime Bank XXXX XXXX secured credit card. This card is supposed to have a secured account that will automatically pay off your balance from that and you can just add money. However, the card was reported as not paid several times and the balance was reported as the entire usage of the card but it never had a balance after the statement since it was immediately paid by the account. I had previously complained that the account was being misreported months ago and this month really gave me a kick to the gut since the card has caused my credit score to drop from above XXXX to almost below XXXX, with a drop of XXXX points this month. I complained to Chime, who told me it was correct, which obviously it could not be correct because they were paying it automatically the day after the statement. After their terrible support finally fixed the errors my score only went back up XXXX points. So I just got completely screwed by a " credit builder '' that actually damaged my credit score. I truthfully do not even know how to recover since I am having a hard enough time removing these trash collections from having my identity stolen. They make a mistake or lie about reporting and it irrecoverably damages my credit, I have to spend years to rebuild those few points now.
02/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NM
  • 87124
Web
Chime states that they are still working on my claim but yet in the same paper they say that there decision is final. this company just lies and lies. i have more than proven that the transactions were not me well before you sent me anything as to why you made your decision You have based your dictions on things that are untrue and things that you say were one way and than when i prove you wrong you say oh no it was this way. ex. on the phone whit your rep i was told that these were in person transactions while i was sitting at work in a different city. yet when i got emails from the company 's XXXX stating that the store was not even open at the time the transaction took place, and had been closed for hours and sent in my work time card, but than you change your story to oh no it was on online transaction. you tell me that i was anticipating the money going into my account. well yes it happens every time i get paid. but it happened before i had been paid and i cant over draft my account more than 20 dollars so how does that work. for a 300+ transaction? I have every single time I called in to you written down as well as every email i was sent or i had sent. if you would like to go over them than please let me know that way you can see how contradiction you are
12/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TN
  • 371XX
Web
I was notified by Chime ( My financial institution ) that several transactions were being made via text message and each message asked if this was an authorized or unauthorized transaction ( So Chime knew there was suspicious activity and notified me ). I called Chime and stated that these charges from XXXX, CA ( I live in XXXX ) were not authorized by me and filed disputes on the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total- {$680.00} Chime still released the funds and asked me to provide supporting documentation which I sent to them. They denied my reimbursement, made me stay on hold for over 3 hrs and I had to call them back from another line and to make an appointment to speak with a supervisor the next day and they never contacted me. I contacted XXXX disputes today to reopens the disputes in order to desperately seek CFPBs help to regain the money that was stolen from me. You cant speak to anyone from Chime only their third party call center. I can not help but help violated and taken advantage of with no help or care from Chime. I would really like the opportunity to send over the documentation for evidence purposes and the opportunity to discuss the details in this regard.
08/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • LA
  • 70607
Web
My bank account was hacked several times with the starting date of XX/XX/2022. I contacted my bank letting them know that fraudulent activity was taking place in my checking, savings, and credit builder account. I have provided all the information that Chime Bank asked of me and it still hasn't gotten me my back. I feel that a proper investigation has not been done with the disputes that filed with them. All my claims have been closed in less than a week. On my account it shows purchase from from a whole other state that I have never ever been to in my entire life. The 60 plus representatives that I have conversed with and numerous numbers of emails has gotten me no where at all. The hacker got into my account several times and changed my email, phone number and password. Yet, when I call to get back into my account I get questioned and made to feel like I am the villain and not the victim. This situation has take a toll on my health and well- being. All I ask for is MY money be returned to me so that I close this chapter with this bank and MOVE on. Until then I will consistently fight for my hard earned money be given back to me. This ridiculous to have to go through this with a bank that I though that I THOUGHT I could trust. I WANT MY MONEY BANK CHIME BANK!!!
10/24/2023 Yes
  • Prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • NV
  • 89103
Web
My chime credit builder card was used without my permission for purchases a auto premium purchase on XXXX XXXX for XXXX XXXX purchase on XXXX XXXX for XXXX atm withdrawal on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX family dollar XXXX XXXX XXXX churches chicken XXXX XXXX XXXX called a told them my credid card was used without my knowledge and i filled complaint on XXXX XXXX when i realized my card was gone i checked my acc and found it was money taking on same day i filed the dispute the company sent me email saying because of regulation XXXX i dont get provisional credit and then XXXX hours later I get email saying they finished there investigation and found it was not unauthorized purchases but I told them that the card can be used without a pin if you use it as credit how can they be done with the investigation the same day i file it i dont believed they did a far investigation on my case So the company is not doing what they told you they would I got several emails from one of the merchant I disputed and the merchant told me they sent money back to chime per their request for refund due to fraud so I've been trying to get someone to answer me as to where the refund is the company supposedly did the refund last month on XX/XX/2023 but I still don't have it
02/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33150
Web
I checked my account balance on Monday XX/XX/ to verify if I had received my tax refunds. When I checked my balance I noticed that I indeed did get my tax refund on the XXXX XXXX XXXX {$2500.00} USD but my balanced was negative {$41.00}. When I look at my transactions I noticed multiple transactions from this merchant called XXXX XXXX and XXXX both located out of the state of Florida. The total debited from XXXX XXXX was a total of {$1600.00} USD and from XXXX was {$900.00} USD on the description they both said groceries how in the world someone can spend this much money on groceries and how can Chime authorize this transaction when they are obviously FRAUD! Once I noticed this transaction I immediately contacted Chime on XXXX XXXX XXXX and open a Dispute, claim number # XXXX. They said they will investigate and give me a credit within 10 days. Today, XX/XX/2023 at XXXX XXXX I get an email from Chime stating they have ended the investigation and that they determined no error occurred. How in the world is possible, how can someone scam me for more than XXXX and my bank can not help me get my funds back. My tax money that I had to wait a whole year to received now is gone!!! Please help me get my funds back, I bed you guys to please help me. Thank you.
05/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TN
  • 380XX
Web
Yesterday when I woke up, I had noticed someone trying to use my card for XXXX at XXXX. That made me instantly go check my account. I noticed SO many transactions that werent mine so my first thoughts was to call CHIME and dispute all of my charges. Usually when I dispute a small amount theres no problem they give it right back, but they definitely aint looking forward to refunding my XXXX that was stole off of my card! They checked my account and saw that my card was being used in XXXX, XXXX while I was in XXXX, XXXX spending time with my girlfriend. After disputing all 97 Charges, including the pending ones, he said that they would be in contact with me up to 45 days. After about 40 or 45 minutes, they send an email saying they found no errors and they basically wasnt going to give me any of my money back!! Im obviously devastated and WONT let that much money slip away! Im a single XXXX year old mother that was left with XXXX dollars! Chime will be getting a lawsuit if its not a solution to this! Ill show very little of the proof below of my card being used at the EXACT SAME TIME I was using it in a state 3 hours away and Chime saying they found NO errors because somehow they think Im a shapeshifter and I was living life in XXXX and XXXX at the same time.
10/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TN
  • 37821
Web
On XX/XX/XXXX at XXXXXXXX XXXX I went to a XXXX atm inside XXXX to withdraw money. I put my card in and tried to make the withdrawal, I got an error message that said the transaction could not be completed. I knew that I had just gotten paid and had money in my account so I tried to make the withdraw again. The second time the money was disbursed {$60.00}. I took my cash and receipt and left. I got a notification from chime and checked my account and it said I withdrew XXXX twice and it took the money from my account. I contacted chime and showed proof that I only withdrawed money once XXXX so they filed a dispute and said they would investigate. They denied my dispute so I called them and asked why. Customer services told me the the person handling my dispute did not do it correctly so he filed another dispute. Not even 12 hours later my dispute was denied again, even though I showed proof my receipts from my transactions. They will not give me a reason or refund my money. I am going to close my checking account if they do not fix this. I know that they did not investigate that quickly or they would know that I didnt get money twice. Chime is horrible about making things right with customers. My money was taken from my account and they will not give it back.
05/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IL
  • 60538
Web
I made an online checking account with chime I opened it on XX/XX/2023 and on the the same day my account was closed on me. I have been trying to get access to my funds for two months I tried calling multiple times every time I talk to someone from the support team to talk about my account situation and Im told they cant do anything about my account only the review team has the power to make a decision about my account I tried to email the review team and I ended giving out information about me multiple times and they should have received more than enough information to help me verify my identity I even shared my bank statements to prove where the deposit came from. Its been two months and I still dont have access to my funds I talked to someone over the phone with someone from my original bank to talk about talk about closing down the account and I should of had a closure check and they told me they were in the middle of processing it so I wait about a month and I havent received anything so I call again and the money I was trying to get back was still stuck in my account that I dont have access too. I already tried reaching out to the company but they havent been able to get back to me so Im writing this so I can get information on how to get my funds back.
05/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • GA
  • 30236
Web Servicemember
XXXX XXXX - app and website always says invalid login but it's impossible because it's automatically saved on my phone! I've called months to inform them of all these issues and nothing has been done. XXXX present -they have my ssn incorrect in which I've said on every call and it's not been fixed. XXXX These people have suspended my account and holding my funds when I have bills due. My car was getting repoed if I didn't pay yesterday in which that's how I found out my account was suspended! It's illegal for them to hold my funds due to their mistakes. There is no fraudulent activity on my account. They suspended my account saying unusual activity but I'm on XXXX and don't have money to acquire extra charges. Then they stated that wasn't the problem but they have to be in compliance and some accounts need documentation to unsuspend accounts like mine. This is highly suspicious because I've been banking with them for several years. I've repeatedly sent the documents over and over again and they keep asking for the same things even though it's documented they have them. I've called a hundred times with no results! Please help because they aren't saying anything nor complying! I need my account unsuspended immediately because there is no reason for this!
07/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 932XX
Web
I was in XXXX XXXX jail from XX/XX/XXXX till XX/XX/XXXX when I was released I was locked out of my chime account it took almost XXXX weeks to get back in only to find that over XXXX dollars was taken from my account I filed a claim letting chime know that I was in jail and still had my card I sent them proof of my incarceration to show them there was no possible way I could have used my card I was in a maximum security jail my card must have been cloned cause I still have mine and it was used all over California they gave me a decision in XXXX minutes denying my claim so I filed again and more of the same they keep saying no error has happened I keep sending them emails with the proof of my were about and tell them it was a theft not a error so I used my new card number XXXX time for XXXX dollars and they locked my account it's been XXXX weeks now and I haven't been able to make my car payments my water bill and so on I have sent chime photos of me holding my id with a peace of paper with the date on it but I still can't get in to my account they let someone take out over XXXX dollars with out question but now I use XXXX dollars and they lock me out they need to pay me back my money they let get stolen and pay all my late fees and let me back in my account
08/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • IN
  • 47909
Web
Good morning, I am filing a third complaint in regards to my online banking I had with chime. I ran into a issue with chime during sometime around XX/XX/2020. The issue that I came across was my account being closed due to not being in compliance with the policy! I was very confused but was willing to take any additional steps to retrieve my account and also my balance so I have been in compliance with them! I have sent over legal documentation from 1099-C forms, documentation from the state of Illinois stating I received my benefits rightfully, personal statements and much more info asked of me from Chime but I was still found to not have sent over enough sufficient information an have been refused the right to receive my refund back! I am very upset and its highly disappointing to trust a banking system them have your money stolen right from you by a company you thought you can trust! I am still being told to get in contact with the originator who deposited the funds to my account during the time it was opened ( which I have multiple times ) but I was informed it would be up to chime bank to release my funds. I unsure as to why I cant retrieve my refund when its rightfully my money and have given more than a sufficient amount of information to prove so!
04/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NY
  • 11385
Web
On XX/XX/2023, I sent {$200.00} through XXXX. 4 days later chime incorrectly charged me a duplicate of that transaction. I went through costumer service and within 24hrs they corrected their mistake and credited me back the dumpy charge of {$200.00}. 10 days later after the first incorrect duplicate charge, chime charged my card AGAIN for the same balance of {$200.00}, I spoke with the merchant ( XXXX ) and everything was fine on their end. They Instructed me to contact my bank and and let them know it was an incorrect charge. Instead chime allowed my card To be- {$200.00}. And when my direct deposit hit, they paid the incorrect duplicate fee with direct deposit. Now fighting back and forth with specialist through phone and email for almost a week they have yet to refund me the incorrect charge. I have also done a 3 way call on XX/XX/2023 around XXXX with chime and the merchant ( XXXX ) where the representative for XXXX went through my banking and CONFIRMED the duplicate charge was incorrect. Coming from someone who makes {$350.00} a week. And lives paycheck to paycheck, that {$200.00} was my rent money and hurt me financially and mentally. I still have yet to receive a refund as I type this. Stay clear away from chime banking its not worth it.
12/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OR
  • 97008
Web
I repeteadly use mobile deposit for my payroll checks. The last deposit check as placed on a hold after the check was accepted so the app didnt give me the opportunity to cancel the deposit so I could go to the issuing bank to cash my payroll check. After many calls the bank was unable to give me the specific hold reason, and claimed that in the last three weeks they changed their rules for deposits and thats why even though this is the same transaction I do every three weeks the check was placed on the maximum hold time allowed of 5 days. I went to the issuing bank and they gave me receipt that the issuing bank has already funded the transaction. But still after three business days of the deposit XXXX % of my deposit has become available. I called the bank again and they said that the full amount will be available at the XXXX business day which is XX/XX/2022. I tried to reason with them that this is the same employer and same transaction Ive been making for about 5-6 months that there is no reason to place a hold ( never specified type of hold even though I asked ) But they still claim change of rules. I requested to be given a copy of the letter, email or notification of this change of rule and they said no such notification was provided to customers.
09/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • UT
  • 84123
Web Servicemember
I bank with Chime and I live in XXXX XXXX XXXX Utah. On XX/XX/XXXX there were XXXX ATM withdrawals at a XXXX XXXX XXXX in XXXX XXXX XXXX Florida XXXX at XXXX p.m. for {$300.00} and another at XXXX p.m. for {$350.00} I noticed this immediately contacted chime who said they couldn't do anything until it was out of pending except cancel my card. When it was out of pending I asked them to please look into this they said they would and this was on a Sunday that same Sunday they said case closed we didn't find any fraud. I filed a police report with the XXXX XXXX XXXX Police in Florida Chime never requested to see the report, they claim that it's not fraud because I said I had my ATM card and that my PIN number was memorized. I have no idea why this seems to be a reoccurring thing with Chime and I know that {$650.00} isn't a lot to them but it's a lot to me, this practically ruined me I sent them screenshots of where these withdrawals took place according to their app. I can't believe how they absolutely refuse to refund any of my money and do a thorough investigation. I filed the police report so that XXXX XXXX XXXXXXXX can pull that footage at Chimes request, however chime will not make the request. I wish they would because then they would see it wasn't me!
12/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 34746
Web
I disputed a charge with XXXX claim number XXXX amount XXXX. I moved me and my daughters furniture from XXXX XXXX XXXX XXXX. Upon arrival my things were wet & broken and had to be thrown out. Due to this I submitted a dispute since XXXX wouldnt help. My bank was supposed to do an investigation and ultimately denied my request due to previous transactions. No investigation was done they just looked at my accounts negative balance and denied me. When asked for proof they to from XXXX to XXXX even though they were asked multiple times for documentation as to why the dispute was denied. Next I had a incident where I attempted to rent a car here in XXXX but was turned away the place XXXX says they dont rent to XXXX XXXXXXXX but it doesnt state that one the XXXX website nor did they offer me my money back. I was told at XXXX to contact XXXX and XXXX told me to contact XXXX So I went to my bank for a dispute claim id XXXX total amount XXXX they claim they did a investigation and it was found that I actually did get a car which is false I appealed and sent a picture of the document that was given to me at the XXXX location and my claim was still denied. I believe I am being treated unfairly because I usually file disputes when I have a issue which is often.
10/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 437XX
Web
Subject : Unauthorized Transactions and Request for Temporary Credit Dear Consumer Financial Protection Bureau Representatives, My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, OH XXXX. I am writing to report a serious concern with my account with Chime, where two unauthorized transactions have been made that I emphatically deny. I have approached Chime regarding this matter, but a response or resolution is yet to follow. In accordance with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), I requested a provisional credit during the investigation of these transactions, but this has not been granted. Hence, I insist on an immediate refund of the funds unauthorizedly withdrawn from my account, as well as the issuance of temporary credit, which is my right by law during the investigation of this incident. I am seeking your assistance in resolving this situation as I am a victim of financial fraud and my legal rights are at risk. I request your intervention to regulate this situation and ensure the adherence to my rights as per applicable laws and standards. Thank you for attending to my concern. I stand ready to provide all necessary documents and information for further investigation into this matter. Sincerely, XXXX XXXX
08/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MO
  • 647XX
Web
My employee stock shares were sold and expected to deposit in my account in XX/XX/XXXX. They never showed, so I assumed there was a delay or they would be distributed the following quarter. I received income tax forms at the beginning of XX/XX/XXXX showing 3 separate distributions from my employer stock paid out and I only received 1 of those 3 deposits. I called Chime and have gotten no where with them. They refused to get involved. Ive called the Department of Labor and they were able to research and confirm one of the missing deposits showed posted under the the account number that I provided my employer to send the deposit. We have the date and time of the transaction for the amount of {$55000.00} with the word posted on the transaction. I went back and checked and I received no notification the amount was ever deposit in my account period. I believe it was put into the wrong account or flagged as an exception and never rectified. Ive also called my employee benefits advisor and they confirmed when the shares were sold and when the deposit was sent to my back. Im responsible for paying taxes on a huge amount of money that I never received. I was also provided with a transaction trace number from my advisor but Chime refuses to research this at all.
03/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 19134
Web
After I closed my account with chime due to poor technical support, they emailed me that they closed my account and i was no longer due a refund. I am entitled to all the money in my savings account plus the refund that Was confirmed with me through an employee prior to me closing my account. After they emailed me they would no longer let me speak to a live person over the phone. They constantly redirected me to their handbook, even when i replied to their response asking for more information, they did not reply. I had previously changed my direct deposit a few days before because i started to feel uneasy about the transparency with Chime, however after closing my account- the following Friday, to my dismay my direct deposit from my employer still went to chime bank. I emailed Chime and told them and they gave me an automated response saying that i was not eligible for a refund again and now I believe they they are not going to give me any money at all. I had asked my employer to try to reverse the funds as i did make the change before the falling out with Chime. In conclusion i am asking if CFPB could help me with getting my XXXX dollar refund and my saving account money and direct deposit. Thank you for your time and consideration. Have a great day.
06/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • PA
  • 150XX
Web
On Wednesday, XX/XX/XXXX, I received several emails from Chime related to a new checking account that was opened in my name. Over the course of several hours, I tried to contact Chime to report the account as fraudulent and receive additional information on what happened and how the account was opened. China apparently partners with XXXX XXXX, and I would call their joint operations as a scheme that is ripe for fraud. After several attempts, I believe Chime closed my account. However, I have no confirmation, as Chime does not have a fraud department nor any U.S. location or U.S. customer service, as confirmed by one of the many representatives from Chime that I spoke with. I would like to specifically understand what type of Know Your Customer due diligence that Chime is doing prior to opening accounts. I have credit monitoring and freezes with the major credit bureaus and XXXX, so Chime should have flagged concerns. Further, why does Chime not require a form of identification to open an account? And finally, how does Chime interact with XXXX XXXX? Again, due to the perceived poor internal controls and lack of due diligence and a fraud team, Chime appears to be an organization ripe for fraud that does not have the best interest of consumers in mind.
11/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98012
Web
I placed an order on XXXX XXXX to have lunch delivered to my work. I ordered it well in advance of when my lunch was scheduled. My food got delivered XXXX hours later and was unacceptable in that it was already degraded quality and not safe to eat since it's been in someone's car for XXXX hours with no heat lamp or anything. XXXX didn't deliver on their side of the deal that's supposed to have my food get to me still as fresh as it can be in the estimated timeframe. I contacted XXXX to get a refund, and they said since they have refunded me in the past when they messed up before, they wouldn't be able to anymore. So I guess a company can mess up 4 times and take care of it but then the XXXX time they mess up it's now on my dime, that's what XXXX told me. I tried to have my bank ( Chime ) dispute the charge but they said nothing was found wrong even though they never asked me anything. Chime took more than 30 days and never contacted me, just sent a bunch of automated emails to me on the matter. After the wait finally someone emailed me just to say they won't be reversing the charge. I appealed with some documentation and they still said no. I thought my bank was supposed to have my back but it seems Chime is ok with XXXX stealing from their customers
04/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CT
  • 067XX
Web
On XX/XX/2022 I transferred money a total of XXXX dollars from my XXXX account to my XXXX Chime bank account. The transfer went thru. In the next couple of days the Chime card worked fine. Around the XXXX of XXXX I ordered a pizza. When I went to pay. I was declined. So I look up my chime account and I'm XXXX XXXX dollars exactly the amount that I spend the last few days. I end up calling Chime to get answers and got the run around for about 4 hrs. I was told to take pics of my transactions and my transfers and send them to customer service which I did. That was last Friday. It's now Tuesday the XXXX of XXXX. No answer back. My account has been closed by them. Everytime I try and call Chime it just hangs up on me. The system recognizes My phone number and says your account is closed. Goodbye " click ''. They never said they were closing my account. They didn't say that they were sending me a new card. They just closed it with no reason as to why. I have all the info. The money just disappeared. It is something internal with Chime. There are thousands of people online that have had or is having the same problem as I. I'm on XXXX losing this amount of money is devastating for Me. I hope you can help me get some answers and get my money back.. Thank you.
11/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IL
  • 627XX
Web Servicemember
On XX/XX/2022 a representative from XXXX ( XXXX XXXX XXXX ) called and we discussed moving forward with having a trademark application filed on my behalf. I changed my mind at the end of the call, because something felt off, and Informed them of this verbally AND then in writing via email, but they proceeded to charge my debit card anyway ( which they had on file ). I asked them to refund it and was ignored. I've been ignored since they took the money. No paperwork has ever been given to me, nothing has ever been filed with the XXXX, I have no written contract, no trademark paperwork done, and did not agree to the money being taken. The address they use apparently doesn't actually exist. They have since changed the business name on XXXX maps to something else unrelated. Chime bank has denied my chargeback case 6 times despite having a police report, verification from XXXX that an application was never filed on my behalf, copies of our communication. Chime refuses to give me copies of whatever this company gave them. I had {$1000.00} taken and I was given nothing in return. Chime has not provided any of the supporting documents for over a month despite saying it would be within 10 days. I've asked repeatedly. They will not tell me why it's denied.
02/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CA
  • 92021
Web
On XX/XX/XXXX, I filed a dispute with Chime for a XXXX transaction and received a Provisional Credit for the amount. On XX/XX/XXXX, I received an email stating that Chime had found nothing wrong and would reverse the Provisional Credit, On XX/XX/XXXX, Chime reversed the credit and it was successfully deducted from my account. Fast forward to XX/XX/XXXX, I noticed that the dispute had still not been closed despite the Provisional Credit Reversal, I then requested to cancel the dispute. It was closed per my request, that is until I found out Chime had charged me again for another Provisional Credit reversal on XX/XX/XXXX despite the original setback on XX/XX/XXXX. I had received an email about the matter but brushed it off and deleted the email thinking they wouldn't recharge me again as they had already done back in XXXX. I called them at XXXXXXXX XXXX on XX/XX/XXXX about the matter, and a representative said they would escalate it and the issue should be resolved in about 24-48 hours, I then called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all representatives I spoke to stated they would contact the Investigation team and reach out to me shortly. I have not received an email or phone call about the matter at the time this complaint was sent.
05/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 761XX
Web
Chime has been providing secret backdoor access to my account which has involved the loss of assets believed to be in the thousands of dollars. It is difficult to ascertain the true amount of losses as I have limited access to the " my account '' and I have absolutely no access to a person at Chime to address these issues. Further upon information and belief there is another person, unbeknownst to me, who has secret, unauthorized primary cardholder status to the account and I am merely an additional cardholder. This setup was done, if done, without my knowledge and consent. What is happening in the background is that because of this setup I am loosing enormous amounts of money to which I am not supposed to know that I am loosing and which amounts are being debited against the account with which I am not supposed to know. This corrupt fiduciary behavior is causing and has been causing me severe financial and emotional distress. And as stated earlier, there is never a person available at chime to speak with. Chime closes chat sessions the moment I establish these sessions. So I am completely in the dark with respect to managing this account and this behavior is not consistent with a bank and bank regulations regarding the handling of customer assets.
09/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 335XX
Web
I, XXXX XXXX, am requesting for CHIME BANK ( The XXXX XXXX ), to Refund my Dispute against XXXX XXXX the Amount of {$190.00}. Date of Transaction : XX/XX/XXXX. XXXX XXXX canceled the Flight from XXXX Texas to XXXX Florida for ALL Passengers and they are saying the member did the cancelation when I have not done so. Now money is sitting in my XXXX XXXX Account as a Credit to be used no later than XX/XX/XXXX. XXXX XXXX has mentioned multiple times that they will go ahead and refund the full amount of {$190.00} back in to the account that was used to make the purchase. ( Chime Bank Debit Card ) and to please allow up to 7 business days to the refund to be into the account. Since XX/XX/XXXX there has been no refund of the amount of {$190.00} into my Chime Bank account. I have called and emailed Chime Bank as well and also have gotten no where. Now I am tired of disputing this with both the XXXX and the Bank and I am going to you and to the XXXX : XXXX XXXX XXXX and file a complaint against XXXX XXXX. I am now requesting for the FULL REFUND Amount : {$190.00} and plus Interest for this Delay and waiting and Financial Hardship and Due to this COVID19 which is what XXXX XXXX as well mentioned but still neither party has resolved this issue. PLEASE ASSIST!
09/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • XXXXX
Web
This company has not explained the hold they are placing on my transactions. I do not have a 2-step validation and yet they want me to respond with a " yes or no '' to purchases. My sources state that CHIME has been money laundering stolen checks and their Modus of Operandi is to put a hold on legitimate purchases so they can use your message of " yes '' to validate illegal transactions. I have not cashed a check over XXXX dollars, with Chime. The check was a refund for a month of service with XXXX XXXX. XXXX XXXX carried on business in the same manner. I did not have 2-step validation with them either, however, they required a recording of my voice to conduct transactions. When I refused to give it to them, XXXX XXXX started sending text messages to approve purchases and that is when I discovered the fake accounts in my name that were doing illegitimate business and sending the statements to an alternate email address. CHIME, mimics XXXX XXXX 's fraud, and when I first filed this complaint all of the 2-step verification stopped immediately. Now that CHIME thinks the case is closed they are repeating the same fraudeulent activity. I do not want 2-step validation with this bank, nor do I want text messages from them. I am reporting CHIME to FDIC.
06/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 317XX
Web
In XX/XX/2023, my chime banck account was hacked. as soon as my money was deposited into my account the hacker kicked me out immediatelyof my account by changing all my personal information for months i have been filing disputes with chime and they keep deniying. the amount stolen was XXXX im on a fixed income unemployed and that inccident has ruined my entire life in every way possible. im atleast a month behind or more on all my bills i have had to take extra loans out to get by i just was evicted with no where to go just waiting to be served. few months before that i started getting notices of being in data breaches i think i have five or six so far still researching. i hhave no clue what to do im a single mom of XXXX and just was barly getting by and clueless to even learn about accounts being hacked or data breaches or anything of sort i have plenty of emails back n fourth with chime the notices of data breaches etc. im lossing my mind seriously from this i cant eat or sleep or leave my house please can someone atleast help me find the right help and steps to take whatever will help me i will go find the emails and notices andd print everything and if someone reaches out ishould have everything together to send best way to reach me is emails.
01/01/2021 No
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33139
Web
I stayed at this hotel in XXXX, when I got scammed into getting an apartment, I was struggling and this hotel after staying there for like a month, everything they take my deposit they will not give it back, when I complain they start treating me different, the last week I was there, I have the money to book the hotel room, which I did, paid for, just because I could not afford to pay security deposit, they did not let me stay, and call the police on me. When the offices came, they even feel sorry for me, because I have my two service animals with me and we have no where to sleep and I I have already paid for the hotel room which I never gotten refunded for, The office they where the one that went across to the other hotel and book me a room there. So this hotel keep all my previous security deposit and even charge my card again saying for cleaning fees, which I make sure I clean every time I am to change room. When I file depute with my bank and provide them with all receipts and information, they first give me credit for some of the money and later came back and took the money saying I loss the case against the hotel. And I have been talking and giving all the information I have yet still my account is neg over XXXX $ I am asking for your help
10/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MA
  • 02151
Web
on Friday XX/XX/23 my phone alerted me to a transaction of {$100.00} which i quickly grabbed my phone to see what was going on and while in the process of turning off my phone another charge or the same amount attempted but I was able to block it via the chime app I then Immediately contacted chime because the alert was for an Atm cash withdrawl but all it said was XXXX XXXX XXXX I knew I did not make this transaction but was told I have to let it process then chime support will be able to tell me who what when etc. so on Sunday XXXX the transaction was no longer pending so i contacted them again and a dispute was opened I woke up at XXXX Monday morning to a denial email but zero information other than denied claim so i reached out to them again and of course to repeat the same action but this time was told they noted the account so that the investigation team will send all found details regarding this transaction well at XXXX this morning another denial but this time an attachment that shows the amount taken nothing further so i again i called back with XXXX simple request can you tell me where the money went or and ATM address at which they acknowledge they don't have that information but then how can you still say no error found its ridiculous
12/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32060
Web
My name Is XXXX XXXX and I am a XXXX XXXX XXXX, I opened a account with Chime Bank and my pay would be deposited through XXXX pay to my account from the person I drove for ( XXXX XXXX ). On XX/XX/2020 I received my pay of XXXX dollars and XXXX XX/XX/2020 a withdraw of {$1000.00} dollars was put threw on my account. I never authorized anyone to with draw XXXX dollars from my account. I never sent XXXX dollars to ANYONE. I never purchased ANYTHING for XXXX dollars. I Reported the transaction to Chime Bank and went threw all their hoops TWICE! They closed my account and you can't call them unless you have a open account. You can only contact them threw email once your account is closed and they have denied that there was ever any wrong doing to my account and refuse to fix this. Last time I checked {$1000.00} dollars was Grand Theft but no one in that bank wants to help fix it and even worse we can't see my account history because they shut it off.. I will attach all email conversations with Chime Banks Support Department for you. After I have done a little research I have discovered I am NOT the first person CHIME BANK has done this to. Please help me in this matter, {$1000.00} doesn't seem like a lot of money but to me and my family at XXXX IT IS.
10/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • VA
  • 24551
Web
I had suspicion that my account could possible be compromised so I contacted Chime customer support Inside the banking app on XXXX XX/XX/22 and I was IGNORED! A week later my account was compromised and my Paycheck {$590.00} was stolen. After 7 Hours on the phone with customer service we managed to get back into my account only for it to be compromised again on XXXX XX/XX/22 and {$240.00} was stolen out of my account again. Since XXXX XX/XX/22 I still have no access to my account and all efforts to resolve this situation with chime have accomplished absolutely nothing. It is now XXXX XX/XX/22 and I am still locked out of my account. Customer service keeps telling me to log into the app. But they don't seem to understand that I am unable to access my account because they have failed several times to change my Account information so that I can access the app. At this point I can't tell If I'm being scammed by a scammer? Scammed by Chime? Or both? Chime is great until you have a problem. Customer support has provided absolutely no decent assistance in resolving this matter and I need help from. Due to this all of my bills are late which has created a whole different set of problems for me. Chime has FAILED miserably to help protect me & my account.
04/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • SC
  • 299XX
Web
XXXX weeks ago I advised chime That my password and my email address in my phone number on my account kept changing and it was not me who was doing the change so what should I do. Chime advised me to change my password something stronger. So I change my password to something stronger the next day after I change my password I still was not able to login into my account. I advise Chime Once again but I am having problems logging into my account chime Represe. ntative advise me that my account has been XXXX. They advised me that email address and phone number was not the same on my account.Chime advised me that they would have to put in a dispute about the situation they close Out the account and re-issue me a different account so as XXXX was correctly my account including me a new password I was able to log into my account but the following days the situation started again and I was not able to login account and everything that was in my account was gone. I called Chime and told them that my account was changed again and everything that was in my account was gone. So I asked Chime are they going to refund me my money XXXX and Chime told me that I was the XXXX whos causing this problem with the representative advised me that my account was hacked.
07/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • PA
  • 183XX
Web
On XX/XX/XXXX, I contacted Chime about a refund I was supposed to receive from a company. I have several emails from said company stating I was due this refund. When it didnt come on XX/XX/XXXX, I called Chime to issue a chargeback on this because I absolutely needed the money back that day. XXXX XXXX XXXX, and that was the last day I was able to buy supplies for my biggest signing of the year. I provided Chime emails from the company stating I was due the refund. Not an hour after I sent it, I was informed by Chime that the proof I submitted wasnt good enough. I was now unable to attend my biggest signing, buy books and supplies for said signing, and am now out over {$1000.00} in lost income. I dont know who determines the outcome of this, but I also received an email saying that while I was not refunded initially, I should have been on XX/XX/XXXX, causing the lost income. On XX/XX/XXXX, while having an active spotme feature, I deposited XXXX into my account. Due to a system error admitted by Chime, the money I deposited became unavailable for me to use. I have had several supervisors admit this was a fault on chimes part, but no one wants to refund my money. I would like this money back that everyone admits is mine, but wont refund to me.
10/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • NY
  • 146XX
Web Older American
Open the account up in XXXX set up direct deposit with my social security check setup that my cell phone bill automatically be paid each month on the XXXX of each month out of this account XX/XX/XXXX came took {$48.00} out of the account button didn't pay the cell phone bill had to pay the bill with another account have proof of paying the bill XX/XX/XXXX same thing happened got a copy where I had to use another account to pay bill filed the dispute they closed the dispute said they came to a resolution didn't put the money back from XXXX then put the money back from XXXX and close the account and now my money is just missing and the bill didn't get paid by them and they won't reimburse me my money I want something done about this this is probably terribly wrong and misleading as well as they said if you make if you put direct deposit in you could get over a {$200.00} overdraft fee come to realize that you got to have over {$200.00} deposit I had {$180.00} I didn't qualify doesn't matter I want my {$48.00} from XXXX and XXXX they took my money they didn't pay the bill I could prove they didn't pay the bill and the lady told me they couldn't tell me why they didn't pay the bill why they won't give me my money back and why they close the account
12/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IL
  • 61571
Web
I had my debit card stolen with chime bank and submitted a police report on the person who stole my debit card and used it to make atm withdrawals fraudulently in my name because they had my wallet which I had stored my banking information inside. The police report I filed was with the XXXX XXXX Police Department and the report number is XXXX and chime refunded me my money on my credit builder card that this person used as well as my debit card to make atm withdrawals but refuses to refund me my money on my debit/checking account with them that this person also compromised. They are refusing to work with me or even grant me provisional credits on my checking account and continuing to close the investigation for the fraudulent transactions days before I am supposed to be granted provisional credits so they dont have to pay me for the theft that occurred. This bank customer service is terrible and their fraud department refuses to contact me with further questions with the cases I opened with them and are coming to conclusions that are completely inaccurate and refuse to accept the proof of fraud through the police report I filed for no legitimate reason. They are a horrible bank scamming me out of my money and refuse to protect their customers.
04/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32003
Web
My account and card was hacked. Over XXXX dollars was taken from my account. I filed a dispute. Within 2-3 days they closed the dispute. They didn't even do an investigation. Turns out the company is a gambling company. The transactions are coded as merchandise, not gambling. So if Chime would have done a real investigation, As required by law, they would see this transactions aren't only fraudulent but theyre illegal. I even asked for the documents they had that showed how I was at fault. They never sent them and I keep getting the run around. I don't know what to do and I really need help. Chime is breaking the law and stealing from me. I hope the person who " investigated '' these claims is moved to another job. He's caused me great pain. His supervisor should also not work for a bank. This is not fair. The dispute # is XXXX = XXXX Dispute # XXXX is XXXX = XXXX Also coinbase. Someone stole my identity. On this one they ruled XXXX of them were not my fault but one was? I didn't do any of these and never got any thing for over XXXX dollars worth of money spent. I got no service or product. And chime just doesnt care. Dispute # XXXX is XXXX = I was charged multiple times for XXXX XXXX XXXX of XXXX should be credited to my account today.
07/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NY
  • 11741
Web
The supposed name of the company is XXXX XXXX XXXX. I was contacted online through XXXX chat about a business opportunity to purchase the contract of a model they have employed XXXX XXXX. So the deal, as I was led to believe was to send these payments using XXXX, XXXX XXXX, XXXX, and XXXX First payment was on Tuesday XX/XX/2022 to a XXXX username XXXX in the amount of {$410.00}. The second payment was on XXXX XX/XX/2022 for the amount of {$900.00} to XXXX using XXXX again. The XXXX payment was the same night of XX/XX/2022 for the amount of {$1600.00} to XXXX using XXXX again. The XXXX payment was again XX/XX/2022 to XXXX XXXX for {$900.00} reference number XXXX. The XXXX payment was on XX/XX/2022 to XXXX XXXX for {$500.00} using XXXX. Reference number XXXX. The XXXX payment was on XX/XX/2022 to XXXX XXXX for {$1500.00} using XXXX XXXX. Tracking number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The XXXX payment was on XX/XX/2022 but it didn't settle with the merchant for a XXXX days after. Her name is XXXX XXXX I sent {$1400.00}. Transaction number XXXX. I will be attaching screenshots documenting each and every transaction that I sent with any other information I have on this company. Thank you for your help in advance im praying.
05/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IN
  • 460XX
Web
On XX/XX/XXXX I was going through my checking account and started to notice transactions that were made in XXXX XXXX and other foreign countries that were unfamiliar to me. After clicking on the transactions I noticed that I definitely had not made them. I disputed them immediately and cancelled my debit card and requested a new one to arrive. I disputed close to XXXX payments that added up to {$3500.00} that I never made. The next day, Chime closed my credit builder account without any warning or heads up. 4 days later they closed my checking account. They said they would look into it but they were not helpful on the phone at all. On XX/XX/XXXX ( 2 days after completely closing my account ) they said they concluded their investigation and that no funds would be added to my account from the dispute. I asked for documentation that helped them make this decision and they said they would send it within XXXX business days. It has been 13 days and I still received no further emails from Chime about the rest of the disputed transactions or why they made the decision that they did. They also never said why I wouldnt receive the money in the email they sent me. Lack of communication and no justification for denying my dispute has made me very upset.
04/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32210
Web
I reached out to chime regarding a plethora of unauthorized charges that transpired when my purse/phone was stolen around XX/XX/XXXX I had been inpatient hospitalized thereafter so did not realize the charges that had been fraudulently charged and the charges occurred due to the fact my card is attached to my XXXX XXXX and other accounts so there were over 30 charges some duplicates in which I immediately notified chime when I was released from the hospital to inform them XX/XX/XXXX they then opened 3 different disputes to include the charges as some was still pending claim # XXXX, XXXX - XXXX totaling over {$1500.00} as some charges were still pending when I reported it so they advised I would have to wait on those to clear. I attached my police report and I had also cancelled the debit card and they waited until 9 days when it was time to extend the provisional credit to advised my disputes were closed and nothing found which was a lie, and truthfully I know they did not research nor investigate as they have had a plethora of complaints and was sued for this very issue, or without investigating and penalizing the customer by closing accounts and keeping money. I did not authorized these transactions and would like my money returned to me.
06/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 22701
Web
On XX/XX/2023 I opened a dispute with Chime Financial regarding a {$350.00} charge from XXXX XXXX. The insurance company overcharged me and I needed to have Chime step in to recover my money. On XX/XX/2023 I called for an update on my dispute and was informed by a live agent, that I needed to have my dispute re-categorized. I agreed to having the dispute re-categorized and thats when the problem started. Chime does not answer questions, they just read or send the same script to any and all questions. I contacted the XXXX XXXX Accounting Department regarding my dispute. XXXX provided me with a letter stating the charge for {$350.00} had been reversed to my canceled debit card. I uploaded the letter and a screenshot of the reversal to chimes customer service portal, as I had not been issued a provisional credit or refund after my initial filing. My frustration is that Chime does NOT communicate with its customers or answer intelligent questions. I was told to email my questions to Chime support. However, I am not getting answers to my questions. Im simply getting the same form letter with the authors name changed. Chime is not transparent with their customers, they do not protect their customers, nor is it easy to get any questions answered.
05/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 91709
Web
On XX/XX/XXXX I received an email from Chime with an IRS-B Note saying I needed to send them the W9 form and copy of my ID for verification. In the email it also said that if I didn't send the documents my account would be blocked. After submitting the documents several times and receiving several automatic emails saying the same thing finally on XX/XX/XXXX they sent me an email saying that they had approved and that I didn't need to do anything else. Until then the experience had been bad but there was a deadline and clear communication. Yesterday ( XXXX ) Chime simply blocked my account ( checking, savings and credit card ) without any prior notice and asked me again for the same documents. We are back to the same point of sending and receiving automatic emails. With the difference that I am sending the same documents that had already been previously approved and I can not use my own money. It is an endless lack of respect in a bank that no longer has any trust on my part. I called customer service who basically couldn't help with anything, just escalated and asked to wait for the next email. I receive my salary in this account, I have money there, I have a credit card and this bank, without any notice, felt entitled to block my money.
02/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • VA
  • 20175
Web
On XX/XX/XXXX, I contacted CHIME bank which is XXXX XXXX since I opened an account a few years ago. I make XXXX online payment of {$75.00} every month or when the payee requests extra payment. On XX/XX/XXXX, the payee told me that he did not receive several payments on different dates and asked me to cancel those funds asap. I checked my statement and it shows that the checks were cashed so I called CHIME to get copies of the checks. I spent XXXX hour and a half waiting for someone who could help me to get a copy of the cashed checks but after several transfers from person to person no one helped me. Today is XX/XX/XXXX and I'm still waiting for copies of checks or these amounts to be returned to my account. CHIME keeps sending me emails that they are working on that but there is not solution and they do not care at all. When I call they do not have a clue about anything and is impossible to get an answer from anyone. This money disappeared from my account and they can't provide any proof of cashed checks. Someone needs to audit this bank because they are stealing money from their account holder and since it is an online bank you can't go to ant branch. Please help me to hold them accountable for deceiving customers. Thank you!
08/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 94541
Web
My Chime Debit card was charged {$480.00}. I didn't make this purchase and I immediately sent chime this information. " So this transaction I'm disputing happened right before this one that chime flagged for {$430.00}. My credit card info was clearly stolen. I turned my card off right after this alert blocking another transaction for {$140.00} from " XXXX ''. They changed the name and went for a smaller amount I assume because the other one was declined and they just go after smaller amounts each time till the account is cleared out. I did not and do not approve of the transaction for {$480.00}. It is not a real XXXX charge and us not reflected on my XXXX account. Please refund me the {$480.00} that was stolen from my account. They investigation team is not reviewing any of the information I have provided as shown in the screenshots. They didn't include any of the info that proves I did make these charges on my XXXX account in their report. Please have them review the info correctly and refund my money. '' I also included my statement from XXXX proving I didn't make this charges on my account. But as stated in the review they sent me they didn't look at any of the provided information. All they looked at was the fact I still had my card.
12/09/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 32207
Web
On XX/XX/23 at approx XXXX XXXX., I sent a message to Chime Bank XXXX asking that " XXXX XXXX '' be removed from my Credit Builder account. I received a message regarding that it had to be removed from both my debit and credit account. I asked again to be removed from Credit Builder account since I had the option of adding " Spot Me '' to the XXXX XXXX account 4 months ago. the next Chime XXXX rep to answer, at XXXX est., XXXX XXXX Took it upon herself to close my XXXX XXXX account stating that I had request it. I have had XXXX Supervisors at Chime read the messages PRIOR to XXXX est, and all of them stated that I DID NOT request to have my account closed. I called and there was a ticket no. XXXX, created and sent to investigations as to why my account was closed without request, permission etc. I received a message that because I had a negative balance my account will be reported to Credit Bureaus, thus reducing my XXXX XXXX. I have called several time between XX/XX/23 and XX/XX/23 to obtain the status of the investigations and the Chime reps are NOT helpful with providing any information. Beware that they have the ability to do anything to your account without your permission and will mess your scores up intentionally and COMMIT FRAUD!
12/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 76542
Web
Chime bank At approximately XXXX XXXX. XX/XX/2022 a transaction in the amount of {$50.00} was taken out of my account from XXXX restaurant. during that time I was at work in XXXX, Tx no where near the location of the transaction. I had my bank card on me and no one has access to my account nor card information. At that time my account balance was XXXX, and my overdraft was only {$25.00}. My balance was XXXX due to me transferring my check I just received that same day at XXXX XXXX XX/XX/2022 in the amount of {$630.00}. The only other transaction I made that day was from XXXX at the corner of XXXX XXXX and XXXX XXXX in the amount of {$2.00}. I then contacted Chime to file a dispute on XXXX XXXX. 2 days later on XX/XX/2022 with no emails stating why they denied my claim. How was my money able to be accessed for {$50.00} if my account balance was XXXX and my overdraft was {$25.00}? Thats not even enough to allow the transaction to go through. I called several times and was hung up on. When I finally got through for a call the person on the phone said that he wasnt able to transfer me to anyone and all communication will be done through email. I just want my money back. If I need to file a police report I will and contact a lawyer if need be.
10/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30328
Web
I received and email from Chime Bank on XX/XX/22 with the following message : Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/XXXX, XXXX I immediately tried to access my account and it blocked access, stating the account was closed and for questions to call or email. I immediately called XXXX and received an automated message that my account was closed and it hung up. Future calls on XXXX and XXXX I can not get through to a person. I emailed on XXXX and received 2 auto messages that they would get back to me. On XXXX I received an email with this Chime has closed the account ( s ) in question per your request to prevent further unauthorized activity. Please note that you will not be held responsible for any unauthorized activity and we will not report any information to external credit reporting agencies regarding these accounts. If you receive a debit card from Chime, please disregard and destroy the card.. There was no mention of how I would get my funds back. I emailed several more times and have heard nothing. I did not authorize for this account to be closed and need my funds asap.
11/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32244
Web Servicemember
I took my daughter to a XXXX on the XXXX. I pulled money out from an atm at the carnival in the amount of XXXX XXXX Around midnight I received a charge on my Chime XXXX card in the amount of XXXX $ From XXXX XXXX. I did not authorize that payment nor have I ever made a payment to that Florida company in my entire life. I immediately contacted chime and they informed me that they automatically turned my card off because after that XXXX payment they tried to purchase more things. So a couple days later after the transaction finally posted to my account I called chime and they told me that their dispute department would not return the funds to my account because I received my XXXX XXXX pay earlier that day of the XXXX of XXXX. Since my pay hit my account the day before the dispute department concluded that I was expecting that payment to be made. I reiterated to them that Ive never made a payment to that XXXX company and I even had a representative from XXXX on the line who vouched that I've never made a payment nor do I even have an account with XXXX. Like I said their own fraud department said they cut the card off as soon as they saw that charge so again I am not understanding why they won't credit me back funds that I lost Fraudulently
05/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • 33612
Web
I made a purchase from XXXX on XX/XX/22 the item was delivered on XX/XX/22. I began having problems with the item that I reported to the seller and on XX/XX/22 I submitted a return request through XXXX which was approved. On XX/XX/22 a refund was issued from XXXX in the amount of {$1200.00} back to my debit card issued through The XXXXXXXX XXXX XXXXXXXX Chime but the refund never posted to my account. I have made multiple attempts to resolve this matter with Chime to locate the refund, filing disputes, sending emails, and making calls and each of my requests have been denied by Chime. They can not explain why they have not issued the refund or where the refund is. I made a conference call on XX/XX/22 in which XXXX confirmed that the refund was issued. Chime refuses to explain where these funds are or why they refuse to issue a provisional credit until the investigation is complete as this is a large sum and it is apparent that the refund has not posted due to an error. I have included all the information I provided to them in order to prove my refund is owed an was issued and it has still not posted. I need this money to provide for my family and at this point I have no money, no merchandise and no help from Chime to resolve this matter.
09/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • MI
  • 49002
Web
Received a debit XXXX card in the mail from Chime. Did not request a card and tried to call with number on the card and paperwork with card. Only got automated system no way to reach a real person.Called XXXX bank as they were the issuing bank and they transferred me to Chime. The customer service person spoke English poorly and I was asked for personal info that I refused to give. Explained the situation and they said they would email me with an update when account was dealt with after escalating the issue. Didnt receive an email so I called back later yesterday and was told the account had been closed. Still havent received any email from them. They insist that someone asked for the card and that it is just a debit card not a credit card. They wouldnt give me any idea on how they got my information. Found via internet search that I was not the only person with this exact problem. I believe they are sending these cards out fishing for personal info. They asked for last 4 digits of SS # and a copy of photo ID. Said they couldnt close the account without this info. I pushed back and told them it was illegal to send cards without me requesting one and they didnt require this info after I refused. Not sure if account was actually closed.
01/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OK
  • 748XX
Web Servicemember
On XX/XX/XXXX at approximately XXXX I received an email that my Chime spending account was being suspended. As well as my Chime credit card. I currently have {$1200.00} dollars in my account. They said it was due to how my expense reimbursements where being paid. They requested documentation which I expediently submitted. I have a chain of emails and call logs in my attempt to follow up with the situation. Chime tells me it's XXXX that is suspending the account. However when I reach out to XXXX they tell me they have no information and I would need to deal with Chime. I have never felt to helpless when trying to access my funds for something as simple as fuel to my car. I have been a member with Chime for over 2 years. I stayed with them even after a multi-day outage where we could not access any funds. No one nationwide could access any of their funds in their spending account. Suspending one 's account without warning is an incredibly unfair and deceptive business practice. I would have been happy to provide whatever they requested had they notified I was at risk for suspension. We can not contact any live agent in this supposed review department and have to email a go between department. I just need to pay my bills and feed my kids.
10/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 15642
Web Servicemember
At XXXX XXXX XXXX. XX/XX/25 I made a XXXX XXXX ATM transaction at XXXX convenience store in XXXX, PA. I was momentarily distracted looking at the lottery machine next to ATM after making transaction. I did not retrieve my money right away and the ATM took my money back inside the machine and the door closed. I attempted to use my card again, but ATM stated communication error and I was denied access. I immediately contacted the store clerk XXXX XXXX was her name ) informed her and she said there was nothing she could do and I should contact bank and that she would put an out of order sign on ATM machine ( which I did not physically see her do, because I left store to travel to XXXX XXXX ). I drove up the street to XXXX XXXX and the teller informed me there was nothing they could do and informed me to contact my bank to resolve the issue. I then contacted my bank and was informed a complaint could not be filed because of the transactions pending status. Once out of pending status I then completed a claim with my bank. I can not understand why a security feature of an ATM is not posted to inform individuals that their funds can be retracted, and furthermore can not understand why my bank has denied me my funds. Please help. Thank you.
08/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MD
  • 20748
Web
On Monday, XX/XX/2022 my bank account with chime bank was hacked through my email, one of chime banks employees updated the phone number on my account without my permission, or verification.. the email was sent from my email on file but the employee asked the hacker to send verification which they couldnt but yet the employee still went ahead and updated the information on my account and I became locked out of my own account due to them updating this information. The hacker was able to change my email and number on file and attempt to steal my money, Ive been emailing chime trying to get my account back since the XXXX and it is now the XXXX, they stated they closed my account on the XXXX, but now wont respond to my emails or update me on any information involving my money i had in my account, I honestly just want to know what is going to happen with the money i had in that account and when will i get it but I can not get a response from this bank, but they were quick to respond to a hacker, ive sent photos of my id, and pictures of me holding it with the days date MULTIPLE TIMES and even provided my last 4 of my social and still cant seem to get through to anyone, i am tired and this companys needs to be shut down and i want my money.
05/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • TX
  • 75241
Web
On today, XX/XX/XXXX, I attempted to cash my check via a mobile deposit into my checking account. The bank that is the issuer of the check is a regular credit card bank that I make payments to with my Chime account so there is an established transactional history of me paying this bank. The amount I needed to cash out on the check is {$4400.00}. When I deposited, it said that {$200.00} would be available by XXXX tonight and that the rest would be deposited by next Friday ( XX/XX/XXXX ) upon clearing. Well about one hour later, I received an email that said Chime could not verify the information and to NOT attempt to cash with Chime Bank at all. This is very inconvenient for me because I do not have another bank to mobile deposit. I would have to find a location to go cash in person somewhere, only to go to another location to deposit funds into my Chime Bank account. I attempted to call and see if there was anything else that could be done about this " inconvenience '' and Chime declined. At this point, it feels like I need to open a new bank account with another bank and/or take my business elsewhere because they are forcing me to do " extra work '' that I rely on my ( Chime ) bank to do. I have been with them for several years now.
05/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • 065XX
Web
I filed a dispute with Chime Bank for XXXX transactions both from XXXX car dealership I'm the amount of {$250.00} each. One transactions was canceled by XXXX and they said they would refund me but never did. Then XXXX weeks later they charged me another {$250.00} despite me not having ever purchased a vehicle from them. XXXX refused to help me and just kept giving me the rub around. So filed a dispute with Chime. My credit card has a " XXXX liability protection " on it but Chime has never helped me recover any money from unauthorized transactions. They have denied every dispute I've ever done and never provide me with the explanation as to why they are denying my claims. I've provided so much evident to support my claim and they always say they will send me what documents they used to make their decision but it would take XXXX business days and they never do. I also know I legally only have 10 days to appeal a denied dispute so I do believe they are purposely taking that same about of time to send me the documents so I can not file an appeal. They advertise the XXXX liability protection and I feel deceived because they have done nothing to safe guard my money or help recover it ever. I am fed up with their deceptive trade practices.
09/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • OH
  • 45429
Web
On XX/XX/23 I woke up to my accounts being drained by what seemed like a fake merchant. My checking account had 4 transactions for a total of {$870.00}. My credit builder had 4 transactions for {$710.00}. None of these merchant names were familiar and were international charges. I proceeded to call chime and file a dispute, explaining to them what happened. They filed the dispute and told me to reach out to the merchant, and shortly after it was declined. I filed and appeal and requested investigation documents and merchant information since I have no way of contacting them since I cant even pronounce the merchants name and nothing was coming up on XXXX. I also asked for the documents that were used to determine why my dispute was denied. A few days later I received the documents and the denial to the appeal. I was emailed one document that was the intake form from when I originally called. There was no investigation done and no added details that I mentioned on the phone added to the form. I spoke to them after receiving them and they told me to apply for another appeal and provide documents like police reports and communication screenshots. There are no communications because there is no way to contact this international merchant.
08/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 33458
Web
I attempted to open a Chime checking account on XX/XX/XXXX. The application process asked me to scan my ID which I couldn't do at the time because I couldn't find it. I decided to go back to the application when I found it and left the website open. When I returned, it told me to restart my application because it timed out. I put in the same information and it declined my application immediately. I recognized this as the system thinking I'm trying to open a fraudulent account because my action of submitting a second application is suspicious. I contacted support immediately via email and they requested me to send a picture of my SOCIAL SECURITY CARD over email. I sent them a picture of me holding my ID, the front and back of my ID, as well as my social security card, despite my fears of identity theft in the event of a compromised system on their end. 5 days later, they email me that they can not offer me an account which makes no sense. I am a college student, already have 2 credit cards in good standing and simply want a checking account that works for my needs. I don't want a brick and mortar bank. I seem to have fallen between the cracks in the Chime support system. I just want a checking account. It isn't that hard.
09/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TN
  • 38301
Web
On Wednesday XX/XX/2022 my employer XXXX XXXX made a direct deposit into my chime account. it was my payroll check. The deposit was made for {$280.00}. I made two transactions that day at XXXX XXXX XXXX in XXXX TN and at XXXX XXXXl in XXXX TN. Later that evening at approximately around XXXX XXXX I recieved an email from chime support about a " temporary security restriction '' I am unable to complete transactions, use my card or login to the app or website. I responded to that email and they asked me to send In a picture of my ID and social security card. I provided the documents and they said they would review it and within 24-48 hours I'd hear something from them. In 24 hours I called chime. They said it had to be the security department lifts the restriction and they're only available through email. I have since called and emailed them at least once a day with no update. It has been 5 days and I still haven't received anything from them. I have no access to my check and that was all of the money I had. I have no money to eat, no gas to get to work and I have XXXX children in my home! I just want to close my account and recieve the remainder of my money or have it sent back to my employer XXXX XXXX XXXX, TN as soon as possible!!!
02/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MN
  • 554XX
Web
Ive been a satisfied customer of Chime for many years. However I recently asked them a question, regarding my account, because there was a login I wasnt sure about. There has been no fraud on my account. Instead of answering my question, or giving me advice, they simply suspended my entire account. That includes both my Spending and Checking account of over {$13000.00}. I could have just asked for a new card in the app, but feel I was punished for reaching out to them instead. I have no other access to any other money. I cant buy food, pay bills, pay for any living expenses. They did ask for a copy of my gov. ID, and also a picture of me holding it. I do normally feel that is an OK request to make. However right now I dont have my ID, and I need access to my money right now. This is an emergency. I have gave them a bunch of my work pay stubs, 4 years of my W-2s, my unemployment tax information, copies of my insurance card, my actual chime card, my work ID. I gave them all the information about me that I have. Everything I can to prove my identity. Right now they are not even returning my emails, or giving me a call. They are not working with me at all. I dont have any money without access to my account. Its an emergency situation.
06/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • TN
  • 37363
Web
I filed a {$200.00} dispute for an ATM transaction on checking account where I did not receive the funds from the machine. I filed a dispute with CHIME on XX/XX/XXXX. Dispute number XXXX. I was given provisional credit of {$200.00} on XX/XX/XXXX. Then on XX/XX/XXXX at XXXX they took back the provisional credit. Then on XX/XX/XXXX they took back another {$200.00} for the same dispute that I thought I had lost. I called the company XXXX separate times between XX/XX/XXXX and today XX/XX/XXXX to the dispute department. Each time they told me I won the dispute and it was a mistake. They escalated it to their investigations department. Nothing has been done and they won't let me talk to that department of the company. So if I won the dispute technically they owe me {$400.00} which every person in the dispute department told me I was owed. XXXX in the dispute department told me I won the dispute and all the other phone calls I made told me the same thing. There is no corporate office number to call. Just a po box number. They are affiliated with bankcorp bank and I called them too. They said since it was a chime debit card I had to deal with them. I need help getting my {$400.00} back. I have all the bank statements showing the mistake
11/26/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • KY
  • 42240
Web
Unauthorized transactions XXXX Claim amount XXXX $ XXXX I submitted my dispute on XXXX XX/XX/2020 my original dispute was declined by my financial institution stating that the transactions were deemed valid however I was in jail at the time that the transactions took place And I submitted a rebuttal to the company on XX/XX/2020 after the previous 45 day investigation and submitted proof of incarceration. As of today XX/XX/2020 it has been 55 days since I submitted my rebuttal they are only allotted 45 days to gather a resolution, I have called and submitted numerous support request through their mobile application asking them to give me updates on this claim since they are over there alotted time frame, No one ever gets back to me its been weeks I feel like I am just sticking my feet in the mud not getting anywhere in the meantime I am out XXXX and some odd dollars for some transactions that I did not make that I did not authorize and they refuse to give me my money back. Or even get back to me and let me know whats going on no one calls me they have my phone number they have my email address this is really unprofessional and I feel like Im at the point where Im going to have to go to the courthouse and file a suit against them
09/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • CA
  • 95129
Web
Out of the blue I got a letter in mail from Chime ( www.chime.com ) that contained a welcome letter and a debit card with instructions to activate the card and the account. I was surprised as I had not heard of Chime nor had I submitted any application to open an account. I called the phone number on the card and talked to a woman and stated my problem. She asked me to give my social security number and she said without my social security number she won't be able to proceed or investigate. This made me even more anxious since it meant they already have my social security number and used that to open the account. Or else they were trying to get the social security number from me in the call. The woman said she will record the complaint but with no assurances about how it will be handled or without providing the information about how this account was opened without my knowledge or authorization. It is certain that this is one of 2 possibilities : - identity theft where someone has stolen my identity to open the account - opening an account in my name without my authorization ( similar to the XXXX XXXX incident that happened a few years ago ). I am very concerned about this episode and would like to get to the bottom of this.
08/29/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • XXXXX
Web
This complaint concerns a recurring problem in which people like me find lost credit cards, but the credit card company makes it extremely difficult to report " found '' credit cards. I found a lost Chime credit card on the night of Saturday, XX/XX/XXXX at ( XXXX ) XXXX XXXX XXXX XXXX XXXX, California. Name on card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( name redacted for privacy ) with last four digits XXXX EXP XX/XX/XXXX I immediately phoned the " assistance '' number on the back of the credit card, XXXX. No live human being was available to answer inquiries from the public about found " lost '' Chime credit cards. A recording directed me to send an e-mail to XXXX I sent a message explaining the problem to that address on XX/XX/XXXX. To date, one week later, no one from Chime has acknowledged that e-mail. I believe that there should be a statutory or regulatory requirement for credit and debit card companies to make it simple and easy for people to report " found '' lost credit and debit cards. The credit card refers to Chime Financial , Inc. It states that the card was issued by XXXXXXXX XXXX XXXX pursuant to a license from XXXX XXXX XXXX XXXX All three of those financial institutions should be held accountable.
03/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MN
  • 558XX
Web
I am in the XXXX XXXX and XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was gone for 3 months. I am not allowed to bring my phone, even if I were I was on a boat for 3 months in the XXXX XXXX. I wouldn't have had service. When I left I locked my phone and credit cards in locked box under my bed. Whej I got back they were gone and I found out my girlfriend robbed me and stole my identity. She left me with nothing. I filed a dispute with my bank right away. I called the cops and filed a report. She was arrested and found with my phone and cards on her. She made a sworn statement trying to get out of jail so she admitted to stealing from me. Chime stayed I do not qualify for provisional credit because I was to late at reporting these charges. They told me they had to follow regulate. To my understanding reguye states section XXXX that if my circumstances are extenuating then the 60 days should be extended. I would say being in the boat in the in the middle of the XXXX XXXX on a training mission is extenuating. I just want my mohney back. She stole everything even my identity. It's been really hard having this happen. I thought chime would handle it better I trusted them. Now I'm losing that trust
10/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CO
  • 80204
Web
On Wednesday the XXXX at approx. XXXXXXXX XXXXXXXX XXXX, my vehicle was broken into my apartment complex 's secure parking garage and my wallet was stolen. My card was used to make a transaction for {$62.00} at XXXX, which was obviously an unauthorized transaction. Chime told me that I would be unable to put in a dispute on the charge until it cleared ( which to me seems crazy in the first place ). Once it cleared, I put in a dispute, and within less than 12 hours Chime came back and said that they believe no error had occurred and they would be denying my dispute. I called support, and got them to re-open the case, and they had me send an email asking to re-open the case. There had been a police report filed, but I did not have access to it at the time. The call agent said that was fine and that I should just send an email now making a request to re-open the dispute case, and provide the further info that my card was stolen and used to make this transaction. I did as instructed and sent the email, as well as texted the detective on my case to ask for a copy of the report. Within less than 4 hours of my call, Chime got back to me and said that my dispute was once again denied despite the new information regarding the break-in.
02/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • KY
  • 40258
Web
On XXXX XXXX I was at the hairdresser I went to the restroom came out my ride was there I grabbed my coat and left went to the store noticed I didnt have my purse went back to get it no answer so I went straight home got on the computer to shut my cards down I noticed all my money was gone I called chime reported it and started a dispute they couldnt dispute the {$6000.00} yet they were still pending but they did dispute the transfer for {$2000.00} that was made to a person I dont know not long after that before I could file a police report and fill out the dispute paperwork they denied my claim XXXX so I got it reopened and I sent the police report still hadnt gotten the paperwork to fill out they denied it again so my other pending transactions cleared they started the dispute on these moments later I get a email where they denied my claim XXXX without a police report and no paperwork just denied my claim this is sick I have filed a fraud report and it should be ready for pick up soon Ive had this problem with chime before but the merchant paid me cause it was an error on they part chime is responsible for my money FDIC up to {$250000.00} they say the app is secured it cant be if some hacked into my app and took all my money
12/07/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 95126
Web
I opened this account with Chime because of their advertised 1 % interest rate for savings. Once opened, I began to transfer my savings to my new Chime account - an amount of {$33000.00} in total. On XX/XX/XXXX I received an email that they required information related to my deposits. I provided this information. I later received an email on XX/XX/XXXX that vaguely requested documents. I queried this email and asked for a list of documents that they needed to resolve the matter. They did not respond and my account was suspended on XX/XX/XXXX. I called on XX/XX/XXXX to follow up with them, since I had not heard back. On this call, they told me what documents they needed. These were sent on XX/XX/XXXX and they told me that I would have a response within 24-48 hours. I have not had a response since. I have made contact multiple times by email and phone. Every time I'm told that my case has been escalated and someone will get back to me in 24-48 hours, but this does not happen. I have provided all of the identification and documentation that they have requested in order to verify the account, but still I receive no reply. This company is now acting in bad faith and unnecessarily restricting access to my account and my funds.
10/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19464
Web
What happened was on XX/XX/XXXX I checked into a XXXX XXXXl, XXXX XXXX XXXX XXXX. From there on XX/XX/XXXX I was sent to XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, where I have signed documents from XXXX XXXX stating my admittance dates and discharge date, XX/XX/XXXX, and the fact that I had XXXX access to my phone, wallet or any personal affects. I was successfully discharged from there and went straight to the XXXX XXXX driven by the XXXX XXXX. I have the same letter from them stating I was there from XX/XX/XXXX to XX/XX/XXXX, and I had no access to wallet, phone or any personal valuables. Well on XX/XX/XXXX, I started receiving monthly charges from XXXX for {$21.00}. Something twice in a day sometime once a month, totaling {$230.00}. They refunded me XXXX and another. But denied the rest. I out in for a rebuttal and submitted all the documents stating that it was physically impossible for me to make those charges, they investigated it for 3 days and denied it. I asked for ALL information they used to make that decision, and received nothing, except for XXXX and XXXX refunds of {$21.00} each. Makes XXXX sense whatsoever. I dont know what else to do but to take them to small claims court, which is the next step if its not fixed.
03/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • GA
  • 30605
Web
On XXXX XXXX a check in the amount of {$1200.00} was mobile deposited. on XX/XX/2022 the check was cleared in my bank. On XXXX XXXX the check was returned from my bank account. The reasoning per Chime was duplicate presentment. This check was an XXXX payroll check and after reaching out to XXXX on 3 occasions and getting a copy of the check we realized the check was never cashed again. I have asked Chime to provide me with the copy of the check they stated they had to prove it was cashed but nothing. I have emailed them over 20 times in the last 60 days this has been going on. I have provided them with everything needed. Every reply I get from Chime in email is either asking me if this is still a problem or how it is being escalated to the dispute team. This is not just a few dollars that was taken. I have literally spoke with XXXX weekly in hopes the money was returned but it wasn't. XXXX does not usually receive returns and if they did it should have legally been no later than XXXX XXXX for the funds to get to them. This is well over the 10 business days they have to return funds. I am at my wits end because this has put me behind in bills and my family. Please let me know what else I can do to get my money back.
01/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • FL
  • 33579
Web
In XXXX of XXXX I purchased XXXX XXXX XXXX and used my chime card to pay for it. As of this date of XXXX XX/XX/XXXX I still had not received my couch so I fought with XXXX to finally agree to get my money back however they kept saying they were unable to send me my money back though chime. I then contacted chime and went though the customer service which when talking to them agreed that I should get my money back and started a dispute for me. I provided proof of the merchant stating that the best course of action would be to get chime to reverse the transaction to get my money back. However, Chime and their dispute department failed to actually do anything and they simply denied my claim. I have proof of the cancellation from the merchant and confirmation that I should get a refund back. I sent all the screenshots yet again to chime and got denied again..Chime seems like isn't investigating anything or reading any of the provided evidence when claims like this are occurring which is unlawful. I have all the proof of XXXX stating my refund should be provided to me back from Chime. Please investigate Chime and their bad practices with consumers like myself, also hoping I can rectify the situation and get my money back. Thanks!
10/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 43231
Web
I called Chime for account questions in late XXXX XXXX. When I was connected to an agent he did not confirm my identity prior to providing my account information such as my balance, account number, card number and security code on my card. I expressed concern that my account was not secure and they stated my account was safe. I noticed a few weeks ago my account had changes I did not make or authorize. Most charges would be when I would be working, so I would have been physically unable to make the transactions. Beyond that, some transactions were made hours away from me and even some in another state. I filed a stolen card claim and disputed the transactions. The entire time the dispute team was unprofessional and I had to keep repeating myself multiple times because they were laughing and joking around with a coworker. My dispute has been denied and when I called to appeal this I was told they dont do that and that it was closed and I couldnt do anything about it. Im now missing over {$700.00} and cant get anyone from the company to assist in this situation, including supervisors. I attached emails where Im given confirmation emails of my sent information and those followed up with emails saying they dont have those emails.
05/22/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33025
Web
Good morning, I'm filing this complaint in reference to my chime credit builder account. There seems to be an issue with proper documentation on my billing statements, erased transactions, and incorrect account balance. I've tried over 10 times to get chime coustomer service to help with the situation but, there was no competency for a resolution. I've tried explaining that the XXXX statement started off with the incorrect available amount. There was XXXX dollars deposited into the account on XX/XX/2023. The coustomer rep. stated that the billing cycle begins on the XXXX of each month, meaning the deposit on the XXXX is apart of XXXX billing statement. I was told I spent XXXX dollars but, with no balance. " Impossible '' Chime does not let me overdraft a penny. Speaking of penny, I am also missing XXXX pennies out of my savings account. There were a few disputed, un-diputed transactions that occured. However, the so called bank did not take action their either. Another really BIG SITUATION is a bank rep. telling you they can only view pieces of your information but, are able to email you a statement, seems a little suspicious. I mean how are you conducting account balance with half of the information, totally not possible.
10/18/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • 410XX
Web
On XX/XX/XXXX, my computer was hacked and my personal information ( including my banking information ) was compromised. After i had woken up for tge day, I noticed my Chime checking account was charged {$990.00}. Someone had accessed my browser through my personal computer and bought a XXXX XXXX XXXX under my name and had it shipped to XXXX, California. I have lived in Kentucky my entire life. I was able to see this because the order was made on my account through the XXXX XXXX, which I got confirmation for the order via my email. Unfortunately, it was too late to cancel the order, as XXXX makes you unable to cancel an order after 1 hour has passed, at that time, I was asleep. I was told by the merchant they would intercept the package and they did not. I have filed a dispute on my behalf to Chime, which was denied the same day. Since then I have filed 9 rebuttals against the denial, and all of them have come back denied once again. I have given them several forms of evidence including personal information, screenshots of the order, and even a police report. It does not seem to matter what i try, they are not on my side. I am contacting the CFPB in hopes that I can have my money returned from this fraudulent case of events.
11/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 287XX
Web
Chime Dispute # XXXX On XXXX I noticed that a fraudulent transaction not approved or made by me appeared on my Chime account in the amount of {$260.00} on XXXX, at a location in Florida. I contacted Chime immediately who cancelled my card and reissued me with a new one. A dispute was then filed with Chime on XXXX and a temporary credit was placed on my account on XX/XX/XXXX in the amount of {$260.00} to cover the amount debited. On XXXX, Chime contacted me by email and provided an update that their investigation into the case had concluded but they had found no issue with the transaction. In summary, Chime decided that the transaction was valid and that they intend to overturn the XXXX dispute, and the temporary credit on my account is to be returned to them. No evidence of their findings were provided and I continue to wait for the documentary evidence to support their investigation and outcome. I opened a rebuttal with Chime on XXXX and provided documentary evidence that I was at work on XXXX in XXXX XXXX and could not have used the card at the location and time the fraud occurred. The transaction was made some XXXX miles away. The rebuttal was rejected within 12 hours of submission again with no clear adjudication.
07/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30349
Web
About XXXX months ago my daughter babysitter started using my pc and extra phone to fill out application as well as to have a phone because she didnt own a cellphone, she had access to all my financial information, emails, banking as well as apps! Ive known her for years and trusted her! I didnt notice anything until Sunday XX/XX/23 when her mom called me and ask me was I letting her use my card to order clothing my answer was NO she only has the right to order food and thats it! Her mom told me that she was ordering items and shipping them to her friends house upon looking through my accounts I see she has been ordering items some 3 times in a day. I did NOT authorized her to use my accounts or cards to make any purchases other than XXXX or XXXX XXXX anything else she had NO rights! I have my police report, I have put in a dispute with all of my banks I bank with Chime is the only bank that hasnt giving me my money back i have sent in my police report and all info about the other banks! They take all of 10 minutes to come back and tell me there is nothing they can do the first day i tried to put a claim in someone had made 2 extra purchases and I called them to tell them and again they told me it was nothing they can do!
06/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IN
  • 463XX
Web
On XX/XX/2022 charges where made on my account that I didn't mage totaling XXXX. Chime had alerted me that a charge of XXXX hit my account from XXXX. I called chime to dispute the charge while I was calling them another charge was declined from an amount of XXXX thank XXXX. So while I was on the phone with chime 3 more charges went through for XXXX each totally XXXX. I even told them as I watched helpless. They told they couldn't stop pending transactions but could shut off my card and issue a new one that that point and when they went from pending to settled then I can dispute all of them. So I did just that. The turn around was less than 24hrs and told me they denied they dispute but didn't tell me why our send any e-mail with documents showing why. They said they'd reopen it with more info if I had anymore to give them. So I did just that I found the number to XXXX and called them they told me I had to be a member of XXXX to get any information on the charges and he said since I wasn't a member that should be evidence enough for chime to call them and get info on my case. So I gave chime the number and they still denied my dispute. I filed with my local police department have then that info and still denied my dispute.
09/11/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TN
  • 38115
Web
XX/XX/2020 I was hospitalized and unconscious. XXXX XXXX I filed a complaint with Chime because {$410.00} was taken out of my account from my stimulus check. It was a payment of {$350.00} and {$60.00} to someone named XXXX XXXX I dont know this person. I have disputed these transactions on numerous occasions, because Chime will not refund my money back to me because they say in the records from the investigation Chime decided it was NO ERROR. I have the records from Chimes investigation and I highlighted the error and disputed the transactions again. Neither transaction was notified to my Chime app on my phone. Chime is sticking to the decision they made and will not refund my money that was not sent from my phone or my debit card. The only way I had access to my Chime account and app is by using my fingerprint on my phone or my physical debit card. I have disputed these transactions over 4 times since XXXX. ( I have all emails available. ) Now chime Has closed my account and Chime have not explained to me why they closed my account and why I didnt receive my funds back in my possession. I have contacted support @ chime plenty of times to get the answers I need. I have not used my Chime account in the past 30 days at all.
09/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • AL
  • 36116
Web
On XX/XX/2023 I received an email that stated my account was on hold by chime. When opening my account I was never asked for any identification documents so I called chime where they requested the front and back of my drivers license. I let chime know that on hand I had my Alabama dept of corrections government issued identity card and could send them a picture holding it. Which they requested from me, once I did that they stated they would not accept it so I told them I go home every Wednesday through Friday and would send the documents on Wednesday. On XX/XX/2023 I sent the requested documents multiple times while the representative kept saying the system wouldnt read them. I asked her what would need to be done and she ended the call on me. I sent my drivers license, social security card, and a copy of my water bill. As you can see this is very personal information so for her to end the call then I receive an email saying my chime account has been closed makes me very suspicious that someone in chime is stealing money. I have about XXXX XXXX dollars on this chime account and never had any suspicious activity on my account for chime to do this. I am requesting that chime send me a check with my money from the account
06/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OK
  • 740XX
Web Older American
I have a Chime debit card which is issued thru XXXX Bank. On XX/XX/22 someone hacked my chime debit card info and charged approx {$200.00} worth of XXXX XXXX, liquor and food on my account. My card was not stolen it was still in my possession and I never give out my PIN numbers. I was at work during this time. I contacted Chime immediately and disputed the charges. I have no idea where the charges were from except the liquor was purchased from a place called " XXXX XXXX '' which is in XXXX XXXX. I have tried to resolve this through Chime but they say I need " reciepts '' or something to prove I didnot make these purchases but I have no information on even where the purchases were made or what state even. Chime has not been willing to help me with this information so I reached out to XXXX who has essentially said the same thing asking about police reports etc. I dont know which police dept I should report this too or how to obtain reciepts on things I didnot buy. I dont know what to do at this point. Do I just have to allow them to steal money from me with no recourse. I didnot know that I had no protection for fraud on this account which I have only had for less than a year. I would appreciate any help I can get on this.
12/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • IN
  • 46254
Web
Complaint Summary : On XX/XX/2023, my Chime 2 accounts were WRONGFULLY closed without specific details or any warnings as to why my accounts were closed for no valid reason after being a long time 5+ year customer, who never had any issues. Per the account closure email, I was supposed to receive a {$250.00} refund check for the remaining funds in my 2 accounts within 30 days from the account closure date, which has not arrived as of XXXX. During my phone conversation with XXXX on XXXX, he escalated this inequitable matter to find out why I have NOT received the remaining funds in my account as he confirmed that my check has not been sent as Chime guaranteed that I'd receive it 30 days after XXXX ( account closure date ). On XXXX, I received an email from XXXX ( Chime Member Services ) who stated that I should receive my check within XXXX business days. As of XXXX, I have not received my {$250.00} refund check from my 2 Chime accounts. At your earliest convenience, please provide me with an update regarding this extremely unsatisfactory and unacceptable matter as to why my refund check has not been sent and an exact date when I'll receive my funds which has significantly exceeded the promised 30 day timeframe.
11/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 90039
Web
On XX/XX/XXXX someone hacked my chime account and entered my account they changed my number to theirs. Chime allowed them to transfer {$900.00} and declined my dispute saying they found no error. The same person also completed three of the same transactions at coach outlets in the amount of {$1200.00} for a total of {$3500.00} was stolen from me. I have read multiple forums on XXXX of people going through the same issue and chime taking 0 accountability and refusing to return their money. This person was able to completely by pass the log in codes that were being sent to my phone and login on a device Ive never used in a city Ive never been to. Ive been a chime customer for 8+ years and have never filed a dispute with them. Someone attempted to make a {$30.00} purchase from XXXX XXXX a week prior and chime texted me to verify if it was me but didnt feel the need to verify or flag the suspicious transactions that were the exact same and suspicious activity that has never occurred on my account. Chime will not let me dispute the coach purchases until they have finalized. I have made a police report and will be reporting them further and taking action until this is all resolved and I rightfully get my money returned to me.
10/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • AZ
  • 85374
Web
My sister passed away without a will or assigned beneficiary. Her next of kin or survivor is her XXXX XXXX XXXX son. Her total assets is {$200.00}, making her estate non-probate in the state of Arizona. Chime is refusing to release the funds from the account addressed to her survivors name without probate paperwork. They are requesting a small estate affidavit and they do not have a payable on death affidavit or beneficiary procedures. XXXX is refusing to release funds outside of her estate name without the court paperwork. To file for a Small Estate Affidavit, it is {$350.00}, which is more than her total assets of {$200.00}. Chime has refused to speak over the phone, refused to escalate the issue to supervisors or higher ups, and will not discuss this further. From what I understand according to AZ state laws regarding rights of survivorship, intestate succession, and legal heirs, her son shouldnt have to follow any court procedures to receive these assets. Weve provided a signed statement of death from the funeral director, certificate of death and identification, however Chime still will not issue the funds to the legal heir under non-probate laws, Arizona XXXX XXXX laws, and whichever may apply to this situation.
11/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 85201
Web
My wallet and cell phone were stolen on XX/XX/2021. I actually had to file a complaint about the other Bank that had not returned my money from that account. Now Chime has FINALLY made a decision about the transactions that were unauthorized on that account and what they did was contact the companies that the transactions were with and ask them for a refund. 2 out of the XXXX issued full refunds. XXXX refunded {$3.00} out of {$75.00} and I refuse to take that. Now keep in mind the theif stole my items, took XXXX to the casino, withdrew {$20.00} from an ATM at the casino then took the XXXX where ever they went that cost almost XXXX bucks. Now Chime refunded the ATM withdraw and the other transactions that happened when the theif arrived at the place they were going but what it cost to get there is my treat? No and not to mention all of the trauma of dealing with being robbed but then the people that are supposed to protect my LIVELYHOOD are robbing me of it as well. It is unbelievable to me and I have closed all the accounts wirh Chime. I want them to send me a check for the {$75.00} and {$11.00} that they have no idea where it is or why they have it but it is gone from my account and I want nothing else to do with them.
06/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 191XX
Web Servicemember
Chime/XXXX does not have a real credit card. They give you no money and do not run the debit/credit card they give as a credit card. It is not a prepaid credit card. It is a bank account and they give you a credit card that is actually a debit card. Chime, however out of nowhere even though I had it for over 2 years never reported anything false, suddenly went out of their way and reported that my balance on my account increased as if I spent money on an actual real card and gave me a bad credit utilization score knocking of XXXX points with that one false lie. The truth is my account balance was XXXX because I had no funds in the account during the time they reported that I went over some kind of spending limit -- -which was a lie. If no spending limit exists how can I go over it? Please help me fix what Chime did. They knocked my good credit score to fair, out of jealousy and they lied to the credit bureau specifically XXXX and XXXX. If my balance was zero I could not have increased the balance to XXXX which is what they reported intentionally to deprive me of my good credit score. Fix the error you made and reported. They reported false information then the credit bureau reduced my score based on false information.
05/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • VA
  • 245XX
Web
I am requetsimng a appeal refreinmg XXXX This letter is to advise that 9 charges were applied to my account that were unauthorized purchasesmade with a total approximate amount of XXXX The charges were conducted at XXXX, XXXX XXXX, and XXXX XXXX, and XXXX. Charges at XXXX, XXXX XXXX, and XXXX XXXX were conducted at different dates, times, and locations. However the purchases were in store purchases. The charges that occurred from XXXX, were conducted on-line. From the purchases made, I have not received any items often. Based on the fact these purchases were unauthorized, I am requesting my funds back to my account. I will be following up, with locations and Department Officers of XXXX XXXX to report incidents and file criminal charges, if directed. For I feel I know the individual who made such. She not given access to my card, not authorizedthe make purchases. As time went on, I found out who took my card and made the purchases. I made reported to investigator .The officer could not pursue being she lived across stat lines. I then confronted her, she admitted to taking and making the charges. she wrote a letter to CHIMES confessing these actions. Still nothing was done by CHMEs. I was denied my funds again by CHIMES
02/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TN
  • 37042
Web
Hello Chime Bank closed my account didnt give me a reason or anything. I found out my account was closed when I was at XXXX XX/XX/XXXX. My card was declined and I have XXXX dollars in my account. So I went home tried to log in my account and couldn't said account is closed. Ao I called the customer care number couldn't get through. So Monday XX/XX/XXXX I called again finally got an agent I told him my issue he looked up my account and he said I dont know y ur account is closed he asked me to hold on which I did. Then he got back on the phone and said his computer is not loading he wanted to look further into my problem. So he put me on hold again for about XXXX mins came back to the phone and said hold on again then phone hung up. So I called back got another agent told them my situation again his name was XXXX he said he dont know why my account is closed. I said I need answers and my XXXX dollars. I then told him I needed to speak to a supervisor he said hold on and transferred me back to main menu. Since then I haven t had an option to talk to a live agent says go through email. Im not getting anything done thru email either I need help with this issue I need my money thats it. They are also partnered with XXXX XXXX
08/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 10473
Web
On XXXX XXXX My phone was lost and a couple of transactions that was unauthorized on my CHIME account which i disputed occurred, One transaction amounting to {$130.00} by cash app and the other amounting to {$14.00} by XXXX. After I filed the dispute on XXXX XXXX I was accredited by CHIME for both amounts back into my account while the dispute was being investigated. On XX/XX/2023 my dispute was approved by CHIME but for some reason CHIME took the {$130.00} and {$14.00} back out of my account at XXXX unexpectedly with no information following it. I immediately called CHIME as soon as I noticed and was put on hold for long periods and eventually I was hung up on by one of the CHIME customer service representatives. I then called back and was told the money was being reversed to permanent money instead of credit and Ill be receiving my money back by the end of XXXX XXXX or the next day XXXX XXXX but my money never appeared back into my account. I called CHIME on XXXX XXXX to see what was going on and they switched it to XXXX receive a email within XXXX hours. First I was waiting for my money to come with XXXX hours and now Im waiting for a email to come with XXXX hours. Still no information on when Ill receive my money.
06/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 78758
Web
I use chime bank. On XX/XX/XXXX, my debit card was charged {$270.00} from XXXX, after investigating it appears that the transaction was placed in XXXX arkansas and I live in Texas so this was clearly fraud. After more investigating, it seems as if someone hacked into my XXXX account and used my debit card which was already on file to make the purchase. These products were for women such as hair dye and women 's supplements but I am a man and have no use for these things. I promptly closed my XXXX account due to fraud and contacted my bank to explain the situation. After a few weeks, chime bank came back with a decision to reject my claim on the premise that " no error was made ''. After the rejection, I resubmitted the claim but it got rejected again, I contacted XXXX management and they told me since I closed my XXXX account, they can not provide a refund but to contact my bank, they also told me that my bank should have accepted my claim because it was fraud. The vendor is on my side but are unable to do anything about it because I voluntarily closed my XXXX account. Now I'm stuck and need help from an outside agency as I have exhausted my options. It is clear that this is a case of fraud and I'd like my money back.
09/19/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • IN
  • 46516
Web
On XX/XX/23 I was in the lobby of my apartment building checking the mail and set my phone on my countertop. I went to the elevator and made it to the XXXX floor before I realized I had left my phone downstairs. When I came back for it, the phone was still unlocked and my credit card and cash were missing from my wallet case. I immediately called to cancel the card. I got an email later that my chime had been logged into but the email said XXXX which I have so I didnt think it was suspicious. I later saw a transaction for XXXX XXXX, XXXX, and then XXXX cash transfers that were all fraudulent. Chime did not alert me to these transfers nor did I get a confirmation text. I opened a complaint today for all of them. I asked chime for the name of the person whose chime account the cash transfers went to, as I want to file a police report against them. I have also gone to the leasing office to see if there is camera footage as per the Police departments request. Chime has not reversed the cash transfers nor have they given me the name of the individual who took my money. The case number they assigned me was XXXX. There is no live phone rep to talk to, only email and chat. The phone rep directs you back to those to options.
05/06/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • CA
  • 91355
Web
XX/XX/2023 I received the following email from chime member services : Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Chime Checking Account will be closed on XX/XX/2023. If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed. If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2023, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. Sincerely, The Chime Team - I immediately called them but was told by multiple agents that there was no specific reason to why my account was closed and that any funds would be mailed to me in a form of a check. I even contacted them via email to get some more information on why this was happening and I still havent gotten a response. I am locked out of all of my funds and now dont even have money to buy groceries or to pump gas so I can get to work.
04/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • CA
  • 92115
Web
On XX/XX/2022, I received a text ( attached ) from Chime, asking if I'd made a purchase {$85.00} from supreme organics. Immediately, I replied NO. Chime texted again stating that the transaction was blocked and no monies was taken from my acct. I as well stopped all transactions, cut up card and ordered a new card. To my surprise the next day, my card was charged $ XXXX {$170.00}, in total. I called the merchant XXXX XXXX, who stated no refunds, then hung up. I've made several attempts to contact merchant again, only to get a recording, every time. Chime has given me the runaround. Every time I call, my dispute is closed, and they never tell me why, but reopen it again, only to find its been denied, closed, next time I call. Chime informed me that the merchant tried to charge my card {$86.00} four ( 4 ) times with ( 2 ) getting through. XXXX has numerous complaints about this merchant, XXXX XXXX, doing this very same thing to many. I've basically been robbed {$170.00}, from XXXX and it seems I can't do anything to get my money back. Chime should never allowed the purchase to go through as they stated in their text. Or can they do whatever they please with my money. I still have an acct with chime. Should I close it.
04/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Late or other fees
  • TX
  • 75074
Web
I was at work when I received an email from Chime at XXXX XXXXXXXX XXXX The email contained the following : Hi XXXX, We have attached the account statement you requested. Please be aware pending transactions will not be reflected. You can download your Spending and Savings Account statements at the bottom of the Settings page in your Chime app! You can also download your account statements at www.chime.com. Select Statements from the menu on the left-hand side and select the month ( s ) you would like to download. Your current statement will be available no later than the 5th day of the next month. Cheers, The Chime Team Then I received an email at XXXX asking me to take a survey regarding my call experience. I reached out to chime at XXXX XXXX XXXX and I was notified that someone called with my information stating that they are me. The caller requested a statement from my bank account. I specifically asked for chime to put extra security measures on my account but they refused to do so. The hacker has now hacked into my mobile service service provider, and attempted to get into my email. Chime refuses to address the issue and I am a valuable customer. My information should've never been released.
04/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • SC
  • 29611
Web Servicemember
I made a purchase with my Chime debit card from XXXX XXXX XXXX back in XX/XX/2020 for an online business. XXXX XXXX is the owner of this online business located in XXXX and the only way to contact The XXXX XXXX is via email at XXXX I sent Chime all corresponding emails showing I was going back and forth with The XXXX XXXX waiting on the online business to be completed and eventually requesting a refund which The XXXX XXXX agreed they would refund. All of these emails were forwarded to Chime but I have now been denied twice to get Chime involvement into my civil fraud matter. Chime refuses to tell me what is needed or what type of proof they need to purse this civil fraud problem. I have reported The XXXX XXXX to the XXXX or what ever the affiliate company is for international fraud. I was informed by local authorities that the only way an official investigation and probing fraud case can start is if Chime does a chargeback of the {$3500.00} and report this on their end. I have been scammed and Chime does nothing but deny my request. My Civil rights are being denied only because Chime doesn't want to do their job. I'm sure the Banks can write fraud off and get their money back unfortunately that won't happen for me.
05/15/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92129
Web
An account was opened fraudulently under my name with Chime - Online Banking. I have since contacted them and they confirmed that the account has been closed. I was later notified by my employer that due to a cyber breach with the employee website and my direct deposit pay was diverted to the fraudulently opened account. I was able to track that funds were deposited on XXXX XXXX and XXXX XXXX. I have tried to reach out the bank by phone and email several times to request an investigation to be opened and that they return the funds to my employer but they are sending me in circles. Phone calls with multiple member service agents ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to name a few ) between XXXX XXXX and XXXX XXXX all conclude in they can not help me since I can not provide the email address. Since the bank account was not opened by me I have no way of providing that information. They advise that I email the support team so that they can open an investigation. Emails have been sent from XXXX XXXX to XXXX XXXX and I am mostly getting generic email responses where they ask that I send an email with the email associated with the account, which I do not have, or call their member service, which I have as mentioned above.
05/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MI
  • 48125
Web
My taxes were deposited into my Chime account a few months ago. After I have access to my card for a while, I was about to make purchase. One morning I woke up for my daughters birthday party to make a purchase and the app said good bye upon trying to open up my app. I received an email on my SPAM folder that my account was on hold. After calling chime they gave me the reverie email. Review sent me over the documentation. I sent over ALL of the documentation that I had access to aside from the card that was connected to my account during the hacking simply because I have no ownership over that card. I sent over those documents multiples times. Chime closes my account ( after they told me I could get my funds in 30 days via check ) they then tell me because I havent completed the verification process ( with the card that was put onto my account ) I am ineligible for a check. Thats my TAX money. Im not working right now and I have a XXXX XXXX XXXX who Im raising. Im late on bills and short on food. This is literally the ONLY money that I have. Every representative that Ive spoken to has given me different answers as to when I can have my funds back, they have escalated my case and theirs still been the same outcome.
07/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28216
Web
3 unauthorized transactions were done on my chime debit card account XXXX for {$9.00} on XX/XX/2022 XXXX XXXX for {$51.00} on XX/XX/2022 and XXXX for {$41.00} on XX/XX/2022 I notified chime of the issue of XXXX the XXXX and had a new card issued but had to wait til XX/XX/XXXX for transactions to post so I could dispute transactions which I didnt think it would be any type of of issue because Ive never disputed any transactions with chime and never had any type of issues such as this so I sent off my dispute at around XXXX XXXX hours later my dispute was denied which obviously shocked and confused me so I contacted them directly about it and was told they didnt see a error in there system so it was denied then was told it would be escalated so I waited 5 days and hadnt received any type of communication contacted them and was told that there was no escalation made and I had 2 options which was either accept the fact someone stole my money and move on or send in extra info to possibly get case reopened and investigated ( properly ) then possibly receiving a refund in up to 90days this is absolutely asinine to me and Ive never went thru a issue like this with not only this bank but any bank Ive had a account with
10/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 75052
Web
I received my federal tax refund on XX/XX/XXXX into my account hours later my account was placed on restriction for XXXX days and then I received the email requesting information to verify the deposit. I sent in all the information to verify all the deposits that they asked for after sending those documents in my account was closed on XX/XX/2023. I receive numerous emails afterwords asking for more documents and information to verify my address and that I am the recipient of the account for a closer check and I was also told that I have to wait up to 14 days for processing and XXXX calendar days to receive a check after that I receive multiple emails telling me that my deposit doesnt comply to the agreement and that I wasnt eligible for a refund and I received those emails over and over for the past month and a half now and everyone that I talk to tell me that they can not give me no information or detailed information about my account and to email their support team. I have emailed a support team and they told me that they also cant verify or give me any information about my account and to give the company a call. I gave the company a call and they told me to email so its a cycle that they keep running me in.
07/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 34711
Web
XX/XX/XXXX my card was used unauthorized for {$360.00} and for {$110.00} XX/XX/XXXX. I filed a dispute with chime my dispute was denied within 20 mins. I knew chime didnt do the proper steps within that time frame. I asked chime to send me the investigation findings and it was complete XXXX After months of trying to investigate by myelsf with no help of chime I found the merchant information. Chime couldnt tell me how my card was being used what time the card was being used literally nothing only name of merchant. I emailed chime over 50 times Trying to get help, customer service is so rude and barely speak English. I submitted new information from merchant to prove my card was being charged without my knowledge again denied. I have no hope in getting my money back. I filed a complaint with you XXXX told my story on XXXX so many customers had/have same issue with chime. The business is so shady. All disputes are being denied and fraud is at an all time high right now. I cant sleep I been so stressed out this bank or Financial institution has been putting me through XXXX. No cooperate no real help. I never filed a dispute with chime this is my first dispute. I will never use this service again. Chime is shady
07/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • KS
  • 666XX
Web
On XX/XX/2022, I purchased what was advertised as a garden project book but turned out to be a book about bugs and the company enrolled me in a membership ( with a week free trial period ) without due notice ; I received an email confirmation of the enrollment and upcoming {$39.00} charge. I notified the company about the book not being as advertised. Then I called Chime same day at XXXX to dispute the charges as they were not what I purchased as well as block future charges from the merchant. I was bounced to 3 separate representatives. The last representative did not understand XXXX or did not LISTEN. I told him that I wanted to block the merchant so they can't charge me for a membership. I told him several times that the merchant will try to charge me in a week after the alleged free trial ends. He wouldn't listen and kept looking to History of my account for a charge of {$39.00}. I had to tell him several times that it would be a FUTURE charge by the same merchant from whom I bought the book. He still couldn't understand and kept saying he can't find the charge for {$39.00}. I finally asked for a supervisor who spoke XXXX. This employee hung up on me and refused to block a merchant or unauthorized charges.
01/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 79938
Web Servicemember
I opened a checking account with Chime on XX/XX/2022 and updated my job to have my paycheck direct deposited into this account. On XX/XX/2022 my account was closed immediately without giving a specific reason. After hours of calling and talking to multiple people from chimes member services they could not give me a specific reasoning why my account was closed and could only tell me that I must of violated one of their agreements. I was only able to have one paycheck deposited into this account before it was closed for the amount of XXXX, because of opening the account I was given a free {$15.00} from chime as well as a free {$100.00} because I used direct deposit and it was their bonus. On XX/XX/2022 I initiated a transfer from my chase checking account of XXXX dollars to be sent to my chime checking account and it was to arrive on XX/XX/2022 to that account. Since my account was closed on the XX/XX/2022 I have lost access to any of my funds in the account and have already sent document to chime to prove my identity but they have not gotten back to me and have made no effort to assure me that my funds will be returned to me. I need assistance contacting this company and have my funds returned to me. Thank you
10/31/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 272XX
Web Servicemember
Someone opened a Chime account in my name at my home address, however it was opened in a nickname of mine when all my credit reports are already locked because of fraud. When I called chime they told me they don't have a fraud department and they wanted all my personal info to activate the account so they could have someone email me about it. Ok first off, I don't have anything sent to my home address. Someone tried to murder me seven years ago and I do not want my address getting out so I use a po box for everything. So, the problem is that whoever got ahold of my info, did not have my actual address. Chime opened the account and sent the card to my home address. Now I'm worried that they have given this thief my actual home address. Well, talking to them was the most frustrating experience ever. They kept referring to the fraudulent account as my account and saying things like, " so you're telling me you didn't mean to open the account? '' Hello. What in the actual...? At this point I have no idea if they have closed the account or how many other accounts they have opened fraudulently or if they have just sent this thief a new card or what. Who even opens an account with a nickname? Chime does, apparently.
04/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19020
Web
I have a CHIME online banking account, which I have not had problems with until XX/XX/XXXX. On XX/XX/XXXX, I was at home working remotely when I started receiving notifications from the bank about five back to back ATM withdrawals totaling {$740.00}. This all occurred within 2-3 minutes. I have the card in my possession, however, I immediately changed my pin, called the bank then contacted my local police department. The bank closed my debit card and advised me they will open an investigation once the transactions clear. Today, on XX/XX/XXXX, m I received an email from the bank advising me that no error has occurred and therefor the investigation is now closed. After doing some research online, it seems there have been similar scenarios with CHIME, which include money being stolen through ATM withdrawals at XX/XX/XXXX locations. I would appreciate any assistance in getting my money back as this was a big chunk of my paycheck, which was meant for rent and bills. Considering this is also fraud and theft, I am at a loss for words on how the bank just brushed the issue off and closed the matter. Thank You in advance for your time. The way the bank handled this situation makes the whole situation look even worse.
11/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CO
  • 80205
Web
I have a checking account with Chime Bank and as soon as I noticed that there were unauthorized transactions on my account I called the bank to report the fraud. I called 2 days from the last posted unauthorized transaction as soon as I noticed it when I logged in, online. There are a total of two unauthorized transactions from XXXX XXXX a gym that I have never had a membership with before. The charges are XX/XX/21 {$62.00} and XX/XX/21 {$49.00}. Chime Bank stated that they would do their research and contact me back with the results of the investigation to see if I would be refunded for these fraud charges. They told me that they would get back to me with in 10 days, but they got back to me via email with in 2 business days and told me that the charges are valid. They also said the work was on me to prove that they are fraud charges or unauthorized. How do I prove a fraud that I never did or a charge that I never initiated? I feel unprotected by Chime their promise to protect me against unauthorized transactions. There are multiple stories online on review sites of this company not protecting consumers against fraud transaction and refusing to refund the consumers who called in to report these transactions.
08/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 945XX
Web
I filed a dispute in Chime Bancorp on XX/XX/2021 with the amount of over {$1100.00} because The service provided by the merchant announced its closure and then I've talked to the merchant through the phone about the problem and the merchant told me that I can issue a refund to my bank and later on XX/XX/2021 my dispute got denied because there was no error. The thing is i filed another dispute on my other credit card which is XXXX XXXX on XX/XX/2021 with the amount of {$260.00} and they just approved my dispute and they considered it case closed. Same merchant because I used XXXX credit card to pay the service which is Chime Bancorp and XXXX XXXX. I can provide another information or documents to follow up if needed Rebuttal : XXXX XX/XX/2021 ) I submitted a new additional information from the merchant that i can issue a refund through my bank and chime refused to do it. Update # 3 : XX/XX/2021 XXXX Closed ) i got an email that they closed my case even though I got a notification that XXXX of the purchased i made from the merchant was cancelled and will be refunded to my card ending - XXXX and still they closed the issue. I have all evidence here that I am eligible for refund and chime refused to do it.
06/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • WV
  • 252XX
Web
XX/XX/ Welcome to Chime email. ( I did not open an account ) XX/XX/ This is to inform you that the phone number associated with your Chime account has been updated to XXXX XXXX XXXX XXXX email. ( This is not my phone number ) XXXX Your card is on the way email. ( I did not request a card ) A dozen more emails through XX/XX/ when I complained about both the emails and the supposed account that I did not open. Emailed response : Send us your Social Security #. They also want a police report on identity theft. And in another email, they have asked for a picture of a government ID. NO WAY! These people have a rampant history of opening accounts without permission and sending out cards to people. They always refuse to do anything about it without Identity verification and usually require SSN and Driver 's Licenses, from what I have read of other people 's complaints all over the internet. I have notified the company that they are in error. I am NOT giving them ANY Personal Identifying information ; whatever they have- they obtained illegally. They are not trustworthy and I should not have to given them information they can harm me with. I don't believe my identity was stolen, unless it is stolen by Chime.
03/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 95351
Web Servicemember
Yeah, I'm reaching out because of the issue. I'm having with Chine I got money from an insurance claim because part of my house burned down. OK now I had to Yeah, I'm reaching out because of the issue. I'm having with Chine I got money from a insurance claim because part of my house burned down. OK now I had to directly deposited in the chime because I don't have an actual bank account, but I ended up getting one after I got some money. Well me and my fianc had to make a bunch of big purchases to get back to things we lost long story short they locked my account. I have sent him everything that is needed pictures and pictures of my ID and a bill that's in my name pictures of my chime card. Emails of the XXXX XXXX and it's been like two months and every time I contact the supervisor they say the same thing there's nothing they can do they have to send it to somewhere else and they keep sending me the same email saying that the proof I sent them is not sufficient but they won't tell me what I need to change or do different I can't talk to nobody that knows and I'm about to get kicked out of my house and I got XXXX kids to feed and they got all my money for bills locked up. I don't know what to do thank you.
06/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • AR
  • 72204
Web
On XX/XX/2022 I tried to make a withdrawal at the XXXX ATM in XXXX, Ar located inside the XXXX for {$100.00}. The ATM only dispensed {$20.00} and gave an error message. I immediately called the cashier over and he grabbed his boss. She informed me that the ATM was a third-party ATM and I would have to call XXXX. I reached out to XXXX and they immediately informed me that the money was reversed over to chime due to the error. I have called Chime numerous times and am either hung up on by the reps, asked the same questions, and sent the same generic email with no update. This was not an error on my end and it has caused me to be delinquent on bills I have set up in this account. They will not release my funds or give me an update. This is not right. The money was reversed the same day and we are almost at a month. I have called over 50 times and sent various emails, reached out on XXXXXXXX XXXX, etc. Many people have reached out to me with the same issue with Chime. This could have been resolved same day with a simple call or email to verify with XXXX. I believe Chime holds these funds for 30 days to make their profits/interest accrue for the month while putting their consumers in tight situations. XXXX '
04/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • VA
  • 20121
Web
On XX/XX/2021, my mother informed me that she received a letter in the mail with my ( partial ) name on it. After I asked her to open it to see what it was, she said it was a check from Chime for some sort of refund. After calling Chime and navigating their automated phone system, I came to the conclusion that someone opened an account with Chime using my partial name ( only half of my hyphenated last name ), my an old address ( my mom 's address ), and my social security number. I contacted Chime over email to try to get to a real person, which I could not do over the phone. They insisted I provide them with government-issued ID and last four of SSN, over insecure/unencrypted email. They would not allow me to get to a real person and kept giving me the main phone number which does not let me get to a person. Additionally, my IDs have my correct personal information, which I do not trust them with nor does it match the fraudulent account with partial and old information. Chime failed to check the SSN used by the fraudulent account owner to make sure it matched my full name and current address. Their failure to prevent the most obvious of fraud puts my personal information and financial well-being at risk.
03/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • DE
  • 199XX
Web
On XX/XX/XXXX I disputed several transactions totaling {$6400.00} that took place in XXXX while I was incarcerated in the state of XXXX. Apparently transactions show that my roommate was able to log into my account collect unemployment and then make transfers to her cash app account. She also changed my contact information, my address, my phone number, and even was able to get a debit card sent to her house. Also she forwarded my mail from my mailing address to her house and was able to get a US government check a stimulus in the amount of {$1400.00} in my name forge my signature and cash that check using Chime. All of this money was either spent using the debit card or transferred to her cash app account and chime did nothing but accept all of this and allow it. I was released from incarceration XX/XX/XXXX at which time I noticed all of this fraudulent behavior and contacted Chime and started disputing it over the course of the next few months presenting documents proving that I was incarcerated and they continue to deny my claim. I do not understand how it is possible that someone is incarcerated and unable to access bank account yet they allow all kinds of fraud to go on and not return my money to me.
06/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19141
Web
On XX/XX/XXXX I got XXXX, during my XXXX I lost everything debit card my phone my social security card all my identification documents I lost everything. During my XXXX there were a bunch of transactions I did not know about I gave no one access to my account or none of my information, I came home it took me 5 months to get into my account because of chime security measures but chime did not take these security measures as they easily let someone gain access to my account in XXXX. I came home XX/XX/XXXX and 5 months after that I get into my account there was a total of 241 transactions I did not authorize or know about and a total of a little over {$19000.00} of my money spent. I finally was able to dispute these transactions, chime denied my dispute 3 times with no real reason why, this is very frustrating they are not wanting to give me a temporary credit because I did not dispute the transactions in 60 days of it happening, but I could not do anything while I was XXXX I didnt even know about these actions until I came home from XXXX.they are giving me dispute resolution dates for 60 and 90 days out this is very very frustrating I have kids, I did nothing wrong I want my money back from chime bank.
03/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OH
  • 45240
Web
I'm am banking with Chime Bank in the general I get notification on any new deposits made to my account. On three occasions Chime falsely stated that a refund amounts from to my accounts and never actually gave issue the amount to my account. On those 3 occasions I did never gotten deposit alert or the money back. The first was on XX/XX/XXXX XXXX XXXX refund me {$150.00} i never got it. I called chime and complain after speaking Village Green I saw the post history saying it was there but it was not was actually there was my paycheck the additional {$150.00} that should have been there wasn't.The 2nd was on XX/XX/XXXX Chime post in my history after a month has passed that I received the {$10.00} deposit from XXXX Cash didn't got an deposit alert for or saw it.The only thing I saw an got a notification on was the {$110.00} I had deposited. The 3rd was the {$25.00} purchased on XXXX was issued back to me on the XX/XX/XXXX and sent me an email confirmation that they issued the {$25.00} I called Chime XX/XX/XXXX. The Chime Bank rep I spoke to said they had received funds they just had not yet been released it to my account. Today XXXX XXXX I called Chime again that gave me run a around now I am just fed up.
06/02/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 75074
Web
I used chimes mobile deposit feature and it hasn't gone very well. I deposited my paycheck to be processed into my account. After 3 days I got a notification that my check was verified and cleared. Shortly after that I received an email stating they needed 5 additional days to verify the check after they already verified it. After checking with XXXX and XXXX XXXX XXXX, I discovered that all other institutions clear the checks within 3 to 5 minutes of the deposit. I called chime 2 days in a row seeking a remedy as my credit card payment is due and they stated I had to wait and there's nothing they can do. I am now delinquent in my credit card payment and it's at risk of being sent to collections. This isn't the only time I've had issues with this institution and receiving my funds. I've had several occasions where my direct deposits were held by chime and they stated that they didn't get the transaction info, however I had spoken to the payroll company and they verified they sent the deposit and even had transaction numbers to prove it. I'm at a loss. I currently sent chime an email stating they are being charged interest for everyday my funds are not available and they do nothing to remedy the issues.
01/11/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OR
  • 970XX
Web
On XXXX my account was hacked by someone named XXXX XXXX Chime/XX/XX/XXXXXX/XX/XXXX doesnt let you know if your account has been compromised via email, text, or App notification. I was unaware of the fraudulent activity until the morning of XXXX when I checked my account and funds had been removed. The person that gained access to my account was able to transfer {$1200.00} from my savings account into my checking account, then proceeded to send themselves that same {$1200.00} using the Pay Friends feature. This feature is fairly new. You are able to send anyone money instantly if they have a chime account as well. There is no 2 step authentication to make sure its really you sending the money. My money was instantly transferred to XXXX XXXX I have made a police report, Made a statement to the XX/XX/XXXX and contacted the federal reserve of this matter. This incident has happened to many people. I have posted in Chime banks subreddit, and read other forums of this situation happening to many people. Most of the time these individuals arent getting their funds back because chime doesnt think there is any indication of fraud. But it sounds like to me Chime is supporting this behavior and its unacceptable.
08/31/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MI
  • 490XX
Web
XXXX I looked at my chime checking account and saw a transaction for {$1100.00} to XXXX on XX/XX/2022. XXXX I called Chime bank to file a dispute and make them aware that I did not authorize that transaction. I received the claim # XXXX and was told it could take up to 90 days to hear back. XXXX I received an email saying my dispute was denied XXXX I called Chime to ask for details for why my claim had been denied. I also transferred my money from that account to another account and closed my account with Chime XXXX I wrote an email to Chime disputing the denied claim XXXX I received an email from Chime stating that my case was denied because : *There were no abnormal PIN/personal identifiable Information changes visible during the disputed timeframe. *There were no rapid personal Identifiable Information changed, abnormal balance inquiries, or any other sings of Account Take Over in proximity to disputed timeframe *Suggesting the cardholder maintained control of the account during the disputed timeframe *No horde of denial codes are present XXXX I emailed Chime disputing their reasons for denying my claim because they did not investigate the merchant name that was connected to this transaction.
10/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 75081
Web
I used my Chime debit card to secure a reservation for a hotel stay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I assumed after checkout, I would be refunded the {$100.00} pending deposit amount within a few days. Instead, I was surprised with a {$530.00} charge which took my checking account into overdrawn status. I did not authorize any charges to be made on the room, and I'm fairly certain that the other guest, XXXX XXXX, was the culprit of the mystery charges on the hotel room. I am certain that the security video footage at the hotel would confirm these findings. After finding out about the {$530.00} charge, I disputed it through my debit card provider, Chime. They denied my claim saying that their finding showed no errors made. They're definitely was an air made because I did not authorize any of the charges other than the {$100.00} hold for the room which would be returned to me upon checkout. Now, they're saying there is no other steps I can take in order to appeal their decision. I need your help to make this right because now my account is overdrawn and I am stuck in XXXX XXXX. Thank you in advance and please do not hesitate to contact me if you need any information.
01/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NC
  • 27604
Web
On XX/XX/2021, I was at work and expecting my Stimulus deposit. I got on my Chime App and chatted with a representative. I asked them, when was my deposited be posted. 3/5 minutes later, I get an email, stating my account was closed. I havent did anything wrong and I havent used my account since that following Saturday. No fraudulent activity was made and I was able to go into my account, until I asked about my deposit. I do believe a Chime employee, was or did steal my money. I had {$1800.00} in my Savings account and I was suppose to get {$1800.00}, stimulus deposit, the same day. I contacted Chime and they promise me, they was going to expedite my check to me. Now, as of today, the email me again and said, I have to wait 30 days to get my check bc of Covid. Theyre holding my funds and want release them. I had told them that I cant pay my bills and I need my money. They promise me, I will get my check printed and expedited. I have the emails. Now, theyre telling me I have to wait. I dont know what to do. I now, not only have my money in my savings, I dont even have access to my Stimulus money as well. They just keep lying to me. I did nothing wrong for my account to be closed. I just want my money.
07/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27103
Web
I had an account with Chime. I disputed a charge with chime. Without telling me or asking me, they said during time on phone. We cancelled your chime card & ordered you a new one. I needed the {$1300.00} to pay my rent. They said 7-10 days. This was 1st week in XXXX. Card didn't come. USPS said wait 7-10 days. Ordered another card thru Chime end of XXXX. It didn't come. On XX/XX/XXXX I called Chime and asked for them to send check of balance of {$1300.00}. I have email confirmation. Never got check. Tried calling Chime. First I was told XXXX XXXX XXXX XXXX & hung up on. Called back got hung up on. Called back, after the lady dancing in circles with me, she said my email address didn't fit my account. I took screensjot and sent it in. She didn't care that I was into my account with my email. She said she couldn't help my because she could not verify my account. In the mean time since I could not access my funds to pay my rent, I'm evicted from my place. I tried to pay XXXX 's rent and they said they would only accept XXXX, XXXX rent 2 late fees and attorney fees and court cost! Thats {$3500.00}. My rent is XXXX. I never received my money from chime and they closed my account. They owe me {$1300.00}.
06/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 339XX
Web Older American
I opened a debit checking account with Chime, a bank or financial company and deposited {$2000.00}. This was in XXXX deposits, XXXX {$500.00}, XXXX {$500.00}, and XX/XX/XXXX of {$1000.00}. Shortly after that I found the account blocked by chime. It concerned a deposit made into my home bank, XXXX XXXX XXXX on XX/XX/XXXX. This deposit was a settlement from XXXX XXXX of about {$4900.00}. This was determined after many phone calls and emails. I provided Chime with proof of ID, and verification of the deposit from XXXX, with a copy of the original invoice. This was done several times. At the end of XXXX chime closed my account. They no longer replied in person on the phone. Finally XX/XX/XXXX, after nearly three months of calls and emails I was informed I would receive a refund of my money within 14 daysnothing for nearly a month, except an email from chime inquiring about my asking about a check about ten days ago. I have written emails to whoever signed these emails for an explanation. Nothing. in reply from chime since then to the present. We have never experienced anything like this. It seems to be a fraud. This money is very important to our family. Thank you for your solution to this situation.
08/31/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • WA
  • 982XX
Web
On Monday XX/XX/2021 my husband and I filed our taxes with XXXX. At the end we were told by the assistant that we owed {$190.00} for our federal taxes so we paid that amount then. After paying the {$190.00} we were asked to provide payment for the IRS. Perplexed we told them we just paid that. That is when they informed us that we paid for XXXX software which was not disclosed to us. XXXX XXXX formed us they could not provide return and to take it up with our bank. So I got ahold of Chime and explained the situation and they filed a dispute on my behalf. On XX/XX/2021 I finally recieved a provisional credit. On XX/XX/XXXX I recieved an email from Chime stating that they found an error did occur and they are finalizing my credit to my account in the amount of {$190.00}. Fast forward to a XX/XX/2021 and I recieved another email from Chime telling me that the made a final decision on my dispute and found no error occurred and that they would be reversing the provisional credit to my account. Today XX/XX/XXXX chime did just that after trying to tell them they can't reverse a final payment. So I am now negative {$190.00} in my chime checking account and I feel this is way way out of line and regulations.
04/21/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • FL
  • 33881
Web
It all started XX/XX/XXXX XXXX pm when i received a message from Chime bank saying that my account information had been updated to a diff email and phone number that i had no idea and was signed out of my account. I call Chime immediately to report the issue. Spoke with rep name XXXX told me that i needed to send a copy of my ID and last four of my SSN and correct email ( XXXX ) hacker changed it to XXXX so every time i call they have trouble finding my account until they pull ticket numbers # XXXX is one of them, XXXX told me to try signing into my account within 24 hours, next day came could not access my account called back and was told the account had been closed and will not reopen, asked for a supervisor XXXX # XXXX told me to submit a police report and wait about 48 hours for them to investigate my account, days passed here we are 2 weeks later im still being told that there is nothing they can do and that i will not receive funds. XX/XX/XXXX i received my federal income tax into the Chime account in the amount of {$6100.00} total amount in account with my job funding is {$7400.00} they have never emailed me with and update and every time i call they say i will receive email within 24 hours..
12/31/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • GA
  • 30236
Web
I received an email on XX/XX/20 saying that my account was placed on hold due to unusual activity and that I needed to verify the source of my direct deposit. I have been waiting months for my direct deposit to be sent to me from unemployment. I sent him identification documents on XX/XX/20 & XX/XX/20 as well as my award letter from unemployment chime responded and told me they still wanted to close my account and that I would not be eligible for a refund. I was sent XXXX from unemployment on XX/XX/20. Im not able to see my chime balance due to my account being suspended but I should have over XXXX left in the account. This company is fully taking advantage of consumers. They even asked me to prove why I was eligible for unemployment in Illinois. I didnt want to send in my 1099 but I did because I need my money. I asked them if they had the right to do this when I already proved I was eligible with unemployment. This has been a nightmare. They also mentioned that I needed a utility Bill dated within 60 days well since the pandemic Im without a place Im living with family in Georgia. My original place of origin is Illinois. At this point the automated emails are frustrating and I just want my money!
03/01/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • NC
  • 275XX
Web
Chime closed my account for no reason, with no warning, withholding {$10000.00} of my money, and failing to provide my XXXX Tax forms after repeated requests. They committed in writing to mail paper copies of my XXXX tax forms to my home address no later than XXXX, and stated in writing that if I did not receive the forms to reach back. I have reached back and they refuse to provide the forms stating that my account was closed for a policy violation - which they refuse to explain stating it is against policy to tell customers why an account has been canceled. This company is atrocious, steals money, does not abide by the law in issuing required tax forms, and has absolutely no empathy for the pain, suffering, and XXXX caused by withholding money and documents from customers. They give you the run-around, make you feel like a criminal, and will only escalate if you give them the name of the person to escalate too - because they know that customers do not know the names of their workforce. I have spent 10 's of hours on the phone, replying to emails, rounding up countless documents, just to continue to get form response letters and no action. I do not know how to get my tax documents and need help.
10/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 92336
Web
On XX/XX/2022 I went to XXXX XXXX on my inch break from XXXX on my last break I went to the vending machine and my card declined and I know it was money in the account so I checked my account and seen numerous of charges from XXXX XXXX XXXX XXXX XXXX I never heard of from the time I clocked in to work until XX/XX/XXXX it was unauthorized transactions made from this company I was never notified when the transactions were made I normally get a text and email when transactions are made and they never blocked the card I called Chime to dispute the charges they denied my claim even after emailing them proof that the charges werent made by me I rebuttal the claim and they still denied me then I requested a report for the merchant so I can dispute it with them and they never sent it and I called Chime numerous of times and requested for the report and never received it thats been since XXXX until now Ive been requesting for the report they keep giving me the run around Ive talked to numerous managers from Chime nothings happening I just want this matter resolved and my money back and it only takes them 15 to 30 minutes to investigate a claim just to deny it when I have proof I didnt make the transactions
09/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19121
Web
On XX/XX/XXXX. 2022 I was out doing deliveries and it came time to fuel my car with gas. I went inside to use my card and it was instantly denied. Now earlier that morning, I checked my account and deposited funds from my delivery gig and was able to see My balance. I tried to swipe multiple times ( chime credit builder card ) as I knew the funds were on my account ( still denied ) I got back in my car and checked my email to receive a notification of my account being on hold around XXXX. I CONTACTED Chime support through phone and was told to submit documents through review, they couldn't give me any information something about ppp loan, etc. I submitted the documents through chime email review and asked for an update about every 3 or 4 days. Nothing. Finally they responded with account closure, no explanation. Now not only am I not okay with them not refunding my funds but they closed my checkings, savings, and not to mention my Credit builder card. I have reached out multiple times and no one seems to care, nor can any one help assist me with this matter. I am working on my credit and by no fault of my own I will now have a closed account appear on my credit reports,, No way is this acceptable.
02/04/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • IL
  • 60477
Web
Background : I moved all my money out of this account after they slashed interest rates with no notice. Then, they suspended my account and made me prove my identity just to get my tax documents. Then, I was unable to access tax documents. Problem : I tried to login using their instructions ( they use a 3rd party website for tax stuff ) and it didn't work. I tried to reset my password there, no dice. I tried emailing them but they're incompetent and weren't able to help me. Finally, they gave me a phone number to call. I called and still, they can't help me. Maybe because they outsourced their customer service just like their tax document preparation. 1 ) I tried to follow the instructions on the email. It said go on XXXX and login with " site ID '' of XXXX, then your username is your account number, and the password is the last 4 digits of your social. DIDN'T WORK. 2 ) I hit " forgot password '' on the website. They said they're gon na send me an email with instructions on how to recover account. I got no email. 3 ) Called customer service. They're incompetent and have no idea what a 1099-INT is much less how to access it. I JUST WANT MY 1099-INT MAN. MAIL IT TO ME OR GIVE ME ACCESS TO IT.
01/05/2021 No
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • OH
  • 43050
Web
On XX/XX/2020 i logged into my chime account app. I updated my phone number. 30 seconds later i got a message saying my account is locked do to fraudulent activity. I had XXXX left still in my account on XX/XX/2020 when chime decided to close my account permanently. When i called into customer service to find out what happened i was asked for account information to verify my account. I also sent chime a copy of my drivers license, ssn, proof of address and a picture of me holding my drivers license. So i verified everything. How ever. When i call in I'm asked for more information. When i give them the phone number attached to my account they said my account account belongs to a XXXX. Under the privacy an security why would chime tell me another customer 's information?? So i also provided my old cell number. It's mysterious non- existent. So i verify my acct # and routing. Chime tells me it's not my account. I seriously believe chime has illegally tampered with my account an has stolen my money. I've spoken to supervisors on XXXX XXXX and the XXXX. Because they closed my account i can't verify my information no longer. Chime bank is stealing my money an illegally closed an tampered with my account
11/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30038
Web Servicemember
Today a thief gained access to my account by making ATM withdrawals from a XXXX in XXXX, GA. They got away with {$800.00} of my XXXX XXXX money. I can not pay my mortgage. I disabled the card, reported it to the bank, and made a police report. My issue is when I called Chime/XXXX a supervisor, XXXX, was rude and dismissive. The bank can not tell me how an ATM withdrawal was allowed without using my card or my PIN number. NO ONE knows my PIN number so even with the card number I dont understand how this was possible. I was told I would have to wait to have my funds returned to the account but XXXX would not provide a timeframe for completion. I asked to speak with a manager over XXXX and the Chime employee told me he had no boss and signed his own checks. I am a XXXX Veteran and the money stolen was my XXXX XXXX check to pay my mortgage and bills. I need my money returned and a explanation on how the thief got access without my PIN number. This company has received hundreds of similar complaints but no one seems to be doing anything to stop them from this illegal activity. If someone can access my account from an atm without a card or the PIN number how can one ensure the funds are secure.
11/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 32780
Web
Yes on XX/XX/2022. I couldnt unlock my debit card to use it. Chime was having issues where nobody could unlock thiers card. This issue caused me not be able to get gas after work to get home. I had to wait at the gas station for XXXX hours before the issue was resolved. This inconvenience caused me to be late picking up my kids at the babysitter. Because I was late I had to pay my babysitter extra money for being XXXX hours late. This was very inconvenient and embarrassing not to mention a waste of my time. This is not the first time Chime had this problem. There has been many times this has occurred. I sent an email to Chime customer service explaining everything that happened. There response was thanking me for the feedback and they will try better next time. I feel I should be compensated for the extra money I had to pay the babysitter and for my time wasted. I made that clear to Chime. I could understand if it was a XXXX time thing but it was not. On numerous occasions Chime has had this problem. I feel that this should never happen we put our trust in the people holding our money with the belief that when ever we need to use our money we should be able to. Without any hesitation or problems.
04/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33626
Web Older American
I had an account with Chime for about 6 weeks with 4 transactions ( 2 charges for ~ {$100.00} each and 2 deposits of $ XXXX and $ XXXX ). After not being able to log into my account I had a telephone conversation with a customer service person who seemed confused, and then received an email request for front/back image of my drivers license and a 2nd one requesting an secondary ID, such as a passport. ( I complied. ) They also asked the purpose of the funds in the account that I said was for nonspecific future charges. On XX/XX/ after providing a picture of my passport, I received an email stating " After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund '' without further explanation. Especially disconcerting, since the account contains approximately $ XXXX, is their statement is not eligible for a refund. Ive sent several emails requesting an explanation and tried calling without success. Dealing with Chime has been a very bad experience. The initial debit card they claimed to send and after activating the replacement, customer service has been very bad.
08/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 93117
Web
Hi, so in XXXX of XXXX I attempted to make a purchase online from XXXX XXXX. I never received the items so I submitted a complaint with XXXX and my bank, Chime Inc. XXXX said they refunded me but Chime said nothing was received so I submitted a claim with Chime. Chime denied the refund so I submitted a complaint with the XXXX. I first submitted a complaint with XXXX and over several months they submitted evidence that they sent/reimbursed Chime, however I never received it. I then submitted a complaint through XXXX about Chime. They only got automated responses for months until finally I submitted evidence that I already showed Chime that XXXX refunded me and Chime never did anything about it. According to XXXX, they received this message " RE : Complaint # XXXX Good afternoon XXXX, My records indicate that as of XXXX Chime said the following regarding your complaint : Date Sent : XX/XX/XXXX XXXX XXXX " I have reached out to ensure this complaint is resolved. Thank you! '' -Chime '' Since then, I have received no further communication and Chime never reached out. They lied to the XXXX and never reached out to me. I got busy and didn't get around to submitting the information until recently.
04/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 78727
Web
On XX/XX/17 there was a charge I didnt recognize on my account I proceeded to call the card issuer at which time I was told that if I wanted to proceed with the dispute I would have to get a new card. I in XXXX XXXX explained that I needed to have the car that was in my hand in order to buy my medication and food being that the store at with a shop at does not take digital cards. I adamantly told him several times not to shut my card. They continue to do it after I hung up and I found out in the app but this happened, furthermore I called several times to correct the issue and I was met with nothing but adversity from their customer service and then I find out they sent the wrong. They sent the car to the wrong address and when I tried to correct it and have the card overnighted to me being that I need it for medical conditions to which I need to get my medication, I was told they could not do that. I explain to them several times that I asked for this not to happen and they continue to do it to which time they hung up on me. They do not care about a customer in the least bit. The bank was chime. I still have not had a card sent to me. Even after I told them they sent it to an incorrect address
02/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • TX
  • 77095
Web
I am a victim of identity theft and someone has opened a fraudulent Chime account using my personal information.I received the card from chime with the account information on XX/XX/23 in the mail to my home address. I immediately called Chime and attempted to mark as fraud and requested that it be closed but I was refused by the Chime person on the phone since I could not verify the fraudulent email address in which the account was opened under. I was told that the call recording would be submitted to their fraud department and I would receive an email ( to an email address I provided ) within 24 hours confirming that the account was closed. Today, XX/XX/23, I have received no correspondence from Chime regarding the closing of this account. I called Chime again today, on XX/XX/23. I informed them that I have not received any email from them and would like to mark the account as fraud and request that it is closed out. Chime confirmed my ( actual ) email address and re-sent another email that I never received. Chime is very difficult to work with and I feel like as a victim of identity theft I am having to jump through hoops to get help to mark the account as fraud and close out the account.
08/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 76549
Web
Okay I had a tax refund sent to chime bank on XXXX XX/XX/2022 amount XXXX and chime had suspended my account months prior to the deposit but I was working to get it fix, but then was told my account was being closed and my remaining balance would be sent to me. I have chime over and over and they wont give me and updates on my money and I worked hard all year for. I am an self employed worker and them funds are really need and I just had my baby last week so im at home right now and again they have XXXX of my refund and also my XXXX check was deposited I havent heard anything about and theyre just holding my money in an account I dont have access to which is unbelievable and they ask for information Ill only know if i had access to the account making it extremely hard and once again my account was supposed be long closed before my refund so I dont understand why they accepted the deposit other then bouncing it or returning it to XXXX bank so They can issue me a check for my refund the whole situation is horrible theirs no way that money shouldve landed in a closed account just for them to give me the run around and I also had XXXX put a trace on my deposit so its their being held without reason
06/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 34207
Web
I sent a payment to my wife, as I do often, in the amount of {$1100.00} on XX/XX/21 The payment was allowed to be sent by Chimes online app, however it did not notify I had exceeding sending limits. So at this point I had sent the money, but the recipient was unable to receive it as it stated I was over my " {$1000.00} send limit '' despite Chimes own website advertising a {$2000.00} send limit. So even were I to have done the math prior to sending I still should not have been over the advertised limit. I spend well over 30 minutes on call, majority of which was in an XXXX or on hold, with foreign employees trying to resolve this. After requesting a supervisor the employee refused to let me speak to a supervisor. I informed her I would be filing a CFBP complaint. Ultimately I had to be refunded the transfer as otherwise my money would just sit in limbo. With other banks if I am over my transfer limit it is made clear and actively prevents me from sending money when that is the case. I recommend using a physical bank or credit union, and using XXXX to send money. Do not trust Chime. They don't have representatives who can properly handle your issues or stateside management to address your needs.
01/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 19454
Web Servicemember
On XX/XX/2020, someone through XXXX made {$5.00} transactions up tot the tune of {$920.00} from my chime bank account. I noticed as it was happening because I was checking my bank account balance at the time and quickly blocked the debit card. I then disputed the transactions immediately. The bank initially gave me the money and then 3 weeks after took the money back citing it was a correct transaction after their investigations. I disputed that and asked for the documentation they used to determine that and what they sent me had nothing to do with the transactions I had disputed. They basically told me I have made certain transactions using cashapp and that was that and I never disputed those transactions except those various {$5.00} transactions to the tune of {$920.00}. I have since gone back and forth with chime bank for almost 9 to 10 months now and I still do not have my money. I made a police report at the time it happend and all that. I believe chime bank has acted very very carelessly and extremely unprofessionally in resolving this issue because I provided them with every information, yet every decision they made was based on something f I never disputed and ignored what I disputed.
08/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 34668
Web
On XXXX XX/XX/2022 at XXXX XXXX XXXX a charge of {$26.00} was removed from my checking account by XXXX on the same day at XXXX XXXX XXXX another transaction by XXXX in the amount of {$540.00} was removed leaving a negative balance. At XXXX XXXX XXXX I received a text message from my bank stating a total of {$700.00} was being taken out and if I authorized it. I replied " no '' and the bank told me they were going to block and refund my money. I then immediately cancelled my card. On Sunday XX/XX/2022 the transaction went from " pending '' to accepted. I them on Monday XX/XX/XXXX at XXXX XXXX XXXX and filed another dispute. I informed them of the text message and that I had cancelled my card. The representative asked me to email a copy of the message to them and wait for a response. At XXXX of the same day I received an email back stating my dispute was denied. I immediately called them back to inquire as to why. The representative put me through to his supervisor who explained that the dispute department never opened the email and that the result was final. When I threatened legal action she agreed to put in a rebuttal and that I would have to wait an unspecified amount of time to hear back.
04/27/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • MN
  • 566XX
Web
On XX/XX/XXXX, I mailed myself a check from Chime XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). I then voided the check and gave it to my employer to use as direct deposit for my paycheck. However, the Check I received did not have my account or routing number on it and by the time I realized this issue the money had already been deposited in a bank associated with Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) through XXXX XXXX XXXX. I believe this account to be fraudulent. Not my account. So after contacting my employer as soon as I realized the issue they were not able to hard stop and cancel the payment. I have contacted both XXXX XXXX XXXX and Chime to fix the issue so I can get my paycheck back in the amount of {$1200.00}. I have contacted XXXX XXXX XXXX ( XXXX ) department and they assured me the issue at hand needs to be taken care of with Chime ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I have been persistent with Chime ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), speaking to the escalations team and the engineering team and a month now has gone by and I haven't heard anything. Nothing has been done about the issue and Chime does not reach out to me regarding the issue any longer.
03/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 85201
Web
I discovered multiple charges on my account it were not made by me they were unauthorized charges they were not made with the debit card they were made with a online device I believe my cell phone that was stolen from my vehicle I submitted the complaints to chime Bank and the first four which I get online they issued me a temporary credit and are still working on those there were multiple charges more so I contacted the bank over the phone and we filed a complaint for all the other charges less than an hour later my dispute was already denied when I was finally able to get reasoning from them I believe that it was inadequate of an investigation under regulation e in the time sense I reopened the claim by submitting the police report the cyber crimes report emails many things everything that I could and also an explanation and also to remove some of the charges and I'm not really getting any communication on the bank permit they're being really short with their emails and just sending computer generated ones and I feel like they haven't even taken the complaint out of the denied area yet so I can't even submit new stuff for it I feel like I'm just kind of getting the run around at this point
11/08/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Account opened without my consent or knowledge
  • MA
  • 024XX
Web
On XX/XX/2023, I received an email saying that an account on Chime was opened. I called the company after XXXX it and found the phone number XXXX the person who answered my call wanted to ask me for my data, so I told him that I did not know what is Chime, and I just wanted to know if that company is real. He told me that they were based in XXXX XXXX, CA, but that he was taking my call from overseas. I did not want to call again and I ended that call by saying that if I saw something suspicious I would notify the authorities or the police. Tonight, I just got home and saw more emails with transactions on that Chime account. I am attaching the emails received. I think this is a fraud or scam, if not phishing, and they are using my email to get my name, and also a previous address where I used to live before. In one email they sent me this information for the Chime account that I had not opened ever. Routing number : XXXX Checking Account number : XXXX I would really appreciate anything you can do to protect my data and my rights. This account is not authorized by me. All the transactions made for them, are not mine, Somebody is acting using my email address and my personal data.
06/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 125XX
Web
On XX/XX/XXXX around XXXX, an unauthorized charge of {$50.00} was taken from my Chime account for XXXX XXXX. I have never used XXXX XXXX. I called the bank asap advised that this was not me. They canceled the card and sent a new one. After a few days I received and email stating " no error was found ''. I called again advising this was not a charge I made. I challenged their decision. I received the new card, did not use it at all. Put it away, on XX/XX/XXXX three more charges were attempted for XXXX, {$25.00} each. I called Chime. At which point they blocked XXXX. And resubmitted the claim for an unauthorized charge. As I advised I have switched banks, as I do not trust Chime with my money and the fact that someone was still attempting to access my account t was odd. It sounded to me as if it was internal. As the card I had never left my home. I received another email advising that " no error was found ''. Then received another email advising they were ending the relationship with me. I feel this was a retaliation as I have had the account t for years and never had an issue. It seems they not only do not want to help their customers, they get mad and close accounts when challenged.
06/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 450XX
Web
I have an account with Chime I currently have 2 issues with them : XX/XX/XXXX I money was transferred from my account to another Chime member however it was not authorized as the other member scammed me out of money and goods/services. I dispute this with the bank on 4 different occasions and I have been denied each time even after presented ample evidence. Then XX/XX/XXXX my account was hacked and I was locked out if my account for almost 2 weeks and the individual whom hacked my account drained my entire account. I informed Chime of this and disputed each transaction again they denied me so I have resubmitted a rebuttal for each occurrence but they continue to not issue any type of credit and I am expected to just be ok that I had my identity stolen. They made a copy of my debit card and changed the pin. XX/XX/XXXX XXXX ATM withdrawal XX/XX/XXXX XXXX ATM withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX ATM withdrawal XXXX XXXX ATM withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM fee XXXX XXXX ATM fee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me to get my money back I am on a fixed income. I missed all my bills because of Chime.
07/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60435
Web
On XX/XX/22 I had to take my XXXX to the vet due to an XXXX XXXXXXXX. On my way out to pay for the treatment and medication needed, my Chime debit card was declined. Confused and slightly starting to panic, i check my account balance and see more than enough to cover the cost. But again, my card is declined. I'm embarrassed and panicking but thankfully, my sister was with me. So we tried her card and it was also declined. She also banks with Chime. After apologizing to the vet, we went to get cash from an ATM. My card was declined again. Twice. So at this point I'm embarrassed and anxious about how I'm going to pay for my kittens antibiotics. I try to contact the bank and all options of contact are not working. So I check social media and on XXXX I see that Chime is down and no one has gotten a notification. Thankfully my vet was very understanding and still provided the medication for my kitten so hopefully Chime is back up tomorrow so I can pay them back. Chime sent a notification finally about an hour after the issues started. I've attached the notification of the declined transaction and of the email where I logged in on my phone to my chime account in an attempt to contact the bank.
11/23/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60622
Web
I bank with Chime and last Friday, XX/XX/2021, there were a series of XXXX ATM withdrawal transactions around XXXX XXXX for a total of {$600.00} withdrawn that were not initiated by me. My debit card was in my wallet on my person at the time so my card must have been skimmed. As soon as I realized what was happening, I locked my account to prevent any further transactions from occurring, of which there were at least XXXX or XXXX more attempts. The XXXX withdrawals, XXXX for {$100.00} and XXXX for {$200.00}, were pending over the course of the weekend and did not clear until Monday, XX/XX/2021. When I initially contacted Chime on the XXXX, I was told I could only lock my account at the time and request a new card but that I would need to wait for the transactions to clear in order to dispute them. I did on the XXXX as soon as I could formally with four forms submitted for each withdrawal to the Chime support team. Early on Tuesday, XX/XX/2021, the Chime team responded that nothing seemed out of the ordinary about my fraudulent charges and that they would not be reimbursing me in any manner. I then requested from them all documents associated with their short investigation into the manner.
12/19/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • OH
  • 45601
Web
On XX/XX/2020 CHIME closed my checking account for no reason. My account had XXXX in it that I can not access and I can't get back. Where I was supposed to sign in there was a notice for me to contact customer service for further information. Time does not have anyone who answers their XXXX number all they have is an email where you can contact support I went back and forth with support for 3 months sending in about 40 different forms of verification of my identity and eventually I was sent a check beginning of XXXX the checks dated for XX/XX/XXXX. I went to XXXXhree different places and then the bank where the check says it was issued from all three places told me to contact the issuer and the bank said that the check had never even been issued it all is that it was invalid it wasn't popping up in the computers they couldn't find it. So I contacted time again now they're telling me do I have to give them another email address the one I'm using is on fire live use the same email address for the entire conversation with them all the way back in XXXX I don't even use another email address and they're just trying not to give me my money I have pictures of the check in the entire conversation
07/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 280XX
Web
Checking account was opened fraudulently at Chime. I was notified via email that I would be receiving my debit card in the mail, which caused me to reach out to Chime and close the account. I called Chime to inquire about when this account was opened, who opened it, why someone would use my actual address and email to commit fraud and they were unable to answer any of those questions on the phone. Instead, they sent me a link and asked me to upload with a police report OR an FTC report ( CFPB complaint doesn't count ), and once I submit those things, someone would email me some information. It was not possible to speak with management and I have concerns about Chime 's fraud and KYC processes since this account was opened without any government issued identification. I have not lost my passport nor driver 's license, so its not possible that someone provided those to open the account. I also happen to work in financial services as a XXXX XXXX XXXX XXXX in consumer banking, so I am very familiar with internal risk management and fraud processes and regulations. I am concerned that Chime either did not follow their processes, or that the risk management structure they have is inadequate.
07/04/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • KY
  • 42223
Web Servicemember
I am contacting in regards to my chime account being closed with around {$2600.00} of my funds left in my credit builder account, I was asked for documents to prove my identity and proof of where my deposits were coming from which I provided multiple times through email and links that were sent to me to upload documents, I was sent a link that didnt let me upload because I reached the limit to upload documents and I emailed to ask to fix that issue so I can upload my verifications and before I could even upload them I got an email saying my account was closed, quite frankly for no reason because I didnt violate any policies with my deposits. If this matter is not resolved in a reasonable timeframe I will be filing a lawsuit because chime/ XXXX is taking away from my family I need to provide for with my hard earned money, I personally know plenty of lawyers and military officials that will happily help me out. I either need my account reopened to pull out the rest of my money or a check of my remaining balance sent to my new address thats different from the one on my account. I will be more than happy to provide documentation to an actual human being instead of an automated robot. Thanks
10/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AR
  • 72143
Web
I have started working with XXXX starting XX/XX/XXXX and my first check was returned by chime to my employer based on my name not matching with my new married name via the check. I updated it and figured it was fine, given the check had finally arrived on the XXXX after being returned on XX/XX/XXXX. This week, after submitting my hours done on Monday and payroll accepting it, others who have banked with the same Chime have gotten their check deposited with no issues. As of XXXX CST XX/XX/XXXX I have not received my paycheck of {$970.00}. My name is correct and updated, as per support has confirmed. Now I am not sure if the check has been returned or not as I have had two different support agents tell me that it was on the XXXX while another tells me it's still on its way and not returned. I find this entire ordeal unacceptable behavior as I have done my part in ensuring my information is correct as well as my employer releasing the funds. Chime has not cooperated in supplying my funds and has given me the runaround on whether it's been returned or not. My chime id is XXXX XXXX I just want my paycheck so I may close my account and move elsewhere from the nightmare that is Chime.
11/16/2022 No
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77550
Web
So on Wednesday XX/XX/2022, I was at a allpoint ATM inside a XXXX because chime has it on their app as a " Fee free '' ATM. So I arrived around XXXX ish. I attempted to withdraw my money for rent and about XXXX transactions occured. XXXX were approved and XXXX were denied. The ones that were denied I have proof of no money being dispensed. My account was still deducted the amount my receipt said was " Denied '' by the ATM. So I contacted chime and on XXXX the XXXX my account had a " adjustment '' and they gave me a credit of XXXX back to my account. ( This is all happening with my pay check from work ) However, on Wednesday XXXX the XXXX 2022 they took that " credit '' back and so essentially again taking the money from my paycheck away. Desputes were filed and I was told they received an email claiming I the account holder requested to close the case. But everytime an attempt has been made to reopen every agent tells me they are making sure it's done. Then I'll call back and the next person will say " oh it doesn't look like anything has been applied to the account ''. With this back and forth eventually my pay check hit again and paid back the negative balance their actions caused.
09/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33172
Web
For the last 2 to 3 months, I have been requesting a physical card from my bank, Chime. I receive my direct deposits from my work to this account and need access to my funds to pay bills and make bank transfers. Unfortunately, the bank does not allow you to make instant transfers over {$2000.00} without activating a physical card. I have now placed XXXX orders for a physical card over the course of 3 months and not one has been delivered to me. I have spoken with customer service 3 times, the most recent being XX/XX/XXXX. I was advised a week and a half ago that if my last ordered card was not received by XX/XX/XXXX, they could send me a new one with express shipping. However, when I called today after not receiving my card, AGAIN, I was told that they could not mail it express and that I would have to wait 14 days. This is absurd and unprofessional as I have already been waiting months for a card and can not use my account and my funds as necessary. I have to pay rent on XX/XX/XXXX and have no way of doing so without full and complete access to my account. In addition, most of the customer service representatives I have spoken to are not knowledgeable and are rude and condescending.
05/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NY
  • 11220
Web
I used the XXXXXXXX XXXX feature with Chime ( XXXXXXXX XXXX ) on Thursday XX/XX/2022 and tried sending money to my sister in law for rent, it was in the amount of {$650.00}. I did this in the month of XXXX as well. As normal I put her name in the search button it populated and I sent her the money. The money was automatically deducted from my account but it never went to my sister in law. It went to a gentleman named XXXX XXXX who I do not know at all. Some how his chime tag got on my sisters in laws name. With in 3 minutes of the transaction I called chime to dispute the transaction as I do not know the person that received the money and it took less than XXXX hours for them to tell me the dispute was closed as they did not find any evidence of wrong doing. I then called them again and they said I would have to send more evidence to reopen the dispute. I sent them screen shots of my sister in laws name as I input in the search bar and a screenshot of when I put the amount I was sending her which still showed her name. With in less then XXXX hours they told me it still was not enough evidence. Now this person who I dont know XXXX XXXX has my money and Chime will not return my funds.
02/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MA
  • 018XX
Web
On XX/XX/XXXX, the bank Chime processed a transaction at XXXX for XXXX and XXXX dollars. At that time I already had reported my card lost and the transaction should have never gone through. But the card company never ended up blocking my card causing the payments to go through.i called the bank multiple times to make disputes. I made two disputes. The first time I added information about me having masshealth and how I also did not have a card at that time. That wasn't enough so they canceled the dispute. I added my police report the second time and that was still not enough. XXXX I called asking for the report of when my card was reported lost. They said they couldn't give it but would have someone call me back. They never did so I called back on XX/XX/XXXX. They stated they could not give me access to when my card was reported lost so I can submit it for a new dispute. I would like my {$800.00} back. My card got lost at XXXX and someone at XXXX must have used my pin to get access of stuff that's {$800.00} in XXXX. I also have masshealth and wouldn't be paying for any medication as I am in XXXX custody. They should have the police report as I sent it to them through email. XXXX XXXX
07/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85301
Web
On XXXX I had a XXXX take me to a bar in XXXX, AZ. I went to the location suggested by my driver. It turns out it was a XXXX XXXX operated by XXXX XXXX and they run a very rough and poorly rated operation. XXXX reviews show hundreds of similar complaints to mine and the XXXX rating is a XXXX for the bar. As soon as I walked in I was taken to a back room and basically forced to give my debit card and all my cash ( {$200.00} ). They did this in a very threatening way. The club was pitch black and I was there for 5 min. I wanted Out of there and I escaped. I contacted chime bank the next day and they told me how to file a dispute. I felt then as I do now that it shouldnt be a dispute but rather a theft claim. They said it would take no longer than 90 days to investigate and clear and refund me the money however its been longer than 90 days. When you called and no one can help you they open a Ticket with their investigation team with you no one can contact on XXXX XXXX because supposedly takes three days and still no response. I contacted them today they cant see why The investigation team didnt respond in the three days theyre allowed so they are adding another three days. Its a joke.
10/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • VA
  • 245XX
Web
On XX/XX/XXXX at XXXX, an unauthorized charge of XXXX XXXX was made on my account via XXXX. I quickly called chime to alert them of this unauthorized charge when I awoke, I was able to get a new card, but since the transaction was still pending I had to wait until it completed to dispute it. Finally, on XX/XX/XXXX I was able to dispute the transaction, but they declined it. I have made several rebuttals since then with new evidence. I made a police report on the theft, as well as I spoke to a XXXX representative who confirmed that fraud has taken place and filed a fraud report, since I have not ever or had a XXXX account, and even chime can see that through my bank statements! This purchase was made in Washington, but I am located in Virginia. It seems that they are not doing a thorough enough of an investigation because if they did I would have my money! I have submitted a police report, a written statement, and I even gave them the confirmation number of a fraud report from XXXX!! All of these are proof that my card was stolen and that money was taken out of my account, but Chime has not been of any use to me. If they were FDIC insured, then I surely would not have these issues.
06/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • XXXXX
Web
I have noticed that the credit reporting bureau, XXXX has been doing unethical practices when updating my credit score and credit information on my credit report. No matter the changes or update to my credit accounts they will decrease my credit score by 75 points without reason. It is not logical to think every infraction or change to my credit report warrants a a 75 point decrease. In addition to that, I am constantly from XX/XX/2021 to now, disputing a former address that is not mine. Despite the fact that I have provided a copy of my drivers license and had the address deleted it keeps reappearing. Thirdly, I have a secure credit card with Chime bank, a.k.a XXXX XXXX, XXXX. Whatever spending I do on that account is covered by my balance in my checking account. Ive never carried a balance yet they have reported a balance of {$14.00} and even after the XXXX and XXXX statement showing no spending activity and a XXXX balance, it still remains on my credit report. I have disputed with XXXX and provided copy of my credit card statement with chime. It still hasnt been removed. XXXX is doing shady business practices. I havent had these issues with any other credit reporting agency.
01/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MS
  • 390XX
Web
XX/XX/XXXX Chime bank closed my account and did not refund the balance to me. I sent numerous emails and Chime Customer service pretty much says they dont have to disclose any information. My Chime account remains closed. XX/XX/XXXX, my second stimulus check were deposited to my closed Chime checking account. I never applied for direct deposit nor nominated Chime as my bank to deposit my stimulus check since its been closed to me. Chime bank somehow managed to manipulate that without my consent. Chime scammed me out of my remaining balance before closing my account, and now tried to scam me out of my stimulus check. IRS is not reissuing stimulus checks, I now have to file my taxes electronically to then be credited from the irs. I have no funds to pay for my rent and no funds to feed my kids due to Chimes fraudulent acts. Chime shows no compassion for its customers during the pandemic. I had a balance of {$490.00} before Chime closed my account and I would like to get reimbursed for whats mines. I can not afford to get scammed at a time like this. As for my stimulus, I have to follow up with the irs again to see what my options are. Please help me get my funds back from Chime bank!
08/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KS
  • 662XX
Web
On XX/XX/21 I realized I lost my card after searching a several times.I call my bank to notify them and ask them to lock my card because I dont have access to my phone who is connect to my online banking account. On XX/XX/21 after consulting my bank account, I found out a lot of unauthorized transactions has been made on my card, so I call chime back to let them know about the issue. All the total amount was XXXX XXXX On the same day I received a statement of dispute form who I filled out and send back by email with all the information needed including the last transaction I did with my card. After waiting couple days, On XX/XX/21 I received an email from chime saying my claims has been denied based on them investigations .On they next day I requests for a copies of them investigations On XXXX XXXX XXXX I received an email with a copies of the investigations. After looking trough, I concluded that the didnt do any investigations base on the copies of documents that was attached on them investigations. As you can see on the documents the provided, there was a lot of transactions who has been made with the same card at the same times in different stores.how than can be possible?
02/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 90019
Web
On XX/XX/XXXX, within my Chime bank account, I transferred {$20000.00} from a linked XXXX XXXX checking account. I have been aChime customer for almost 3 years. On XX/XX/XXXX, the transfer had not yet been deposited into Chime, and I received an email stating my account was closed. I asked customer service if my {$20000.00} would be returned to the bank account it came from, and they said yes, it would be automatically rejected since the account was closed. On the XXXX, they again assured me that the transfer ( which was initiated by me, within my Chime account ) would be returned to the original account ( also mine, at XXXX XXXX ). As of XXXX, the {$20000.00} still has not returned to my XXXX XXXX checking account. On XXXX, I reached back out to Chime and asked if deposit was sent back. They stated that it was not sent back, that it was posted to my Chime account on XXXX ( though it was closed on XXXX ), and I would not be receiving any type of refund. I filed a XXXX report and have attempted to contact employees to handle the issue, but they do not publish or share the email addresses of anyone in the company. They have stolen {$20000.00} from me which is, as you know, illegal.
11/04/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • MI
  • 49548
Web
Well chime contact me said that they notice suspicious activity on my account. I reach out to them regarding the matter. Chime said they will be putting my account on hold until further investigation on my account. this may take some time to get back with on the matter. Now chime close account kept my money I had in the account. I reach out again to chime to see why they closed my account without giving me my money back. Chime said I need to send in documentation to prove my identity in order to reopen my account so I can receive my money! I sent in all the documents chime requested me to send in. Chime said to me at this time we decided to close your account do to suspicious activity they I dont comment on my account. Basically a person hacked my account changed my personal information like my phone number and email address associated with my account they changed my information without my permission and I told chime it was not making these changes to my account. This all happened XXXX and chime said it my fault I got hacked and since they did get in my account and change my information they said I will not be eligible for a refund and will not be able to reopen the account back
11/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 92101
Web
I got an unauthorized charge to my checking/debit card account on XX/XX/2022 at XXXX. After making an authorized charge of XXXX for merchandise never received on XX/XX/2022 XXXX PDT. I've reported this claim several times to Chime Financial only to be denied several times and do not know who else to turn to for help. Their argument is that since the both companies had my information and I was in possession of my card I must have authorized the charge. The fact that no merchandise was received for the first charge of XXXX and the second charge was made a different time totally unauthorized. ( Perhaps the XXXX companies are the same or Company XXXX ( XXXX ) illegally shared my info with company XXXX ( XXXX XXXX XXXXXXXX ) ; makes both these charges fraudulent. Chime witch claims to offer fraud protection has failed to provide it. After talking to several supervisors and customer service associates no was able to connect me with their fraud dept., only send them an emails or have the authority to issue me a credit. Upon first reporting this issue I was told I would need a new account and card which did not receive for over 2 weeks. It's been close to a month now with no resolution.
05/18/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • UT
  • 84117
Web
I have had an account with XXXX for almost 5 years. I've never had an issue until XXXX. In XXXX I had XXXX fraudulent charges via my chime credit card. I filed a dispute. Then I was lied to in writing by saying that a provisional credit was issued to me. Upon calling to verify why I couldn't see the credit I was informed I wasn't receiving one and that it would take 90 days for a resolution. I filed a complaint with the XXXX. Again I was lied to because Chime told the XXXX that I was given a provisional credit. I called Chime again and they said no I wasn't receiving one. Then a few days later I was informed they denied my claim. I called a third time and they said I wasn't able to appeal the decision. Yet when I light into my account even as of today it says 1 of my XXXX dispute was denied and the other XXXX were approved. Again this is a lie. I still dont have my money back. I'm a single mom and haven't been able to pay my rent for the month of XXXX now because of this. I need my money back!! The fraud charges are as follows : XXXX XX/XX/XXXX {$66.00} & {$70.00} XXXX XX/XX/XXXX {$86.00} & {$70.00} & {$70.00} & {$24.00} & {$81.00} XXXX XX/XX/XXXX {$66.00} & {$66.00} & {$77.00}
01/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28403
Web
I got an alert at XXXX XXXX at night eastern time that I made an XXXX payment in XXXX XXXX ca from my chime debt card. XXXX I was at home in North Carolina, XXXX I dont have XXXX. I reported my card stolen and requested a new card since I could not dispute the claim until it was not pending. The next day, it was no longer pending so I contacted chime to dispute the claim, they asked for a receipt of the XXXX ride, which was not taken by me or an account owned by me so I did not hold such receipt. A claim was filed, at XXXX today not even XXXX hours later I was email my dispute found no foul play and my funds would not be returned. I called chime they said I could request the documents they used to deny my dispute but it would take 10 business days to get the documents to me when it took them less than 24 hours to deny it. That since I did not have proof I was in XXXX nc, even though I swiped my card physically at XXXXXXXX XXXX in XXXX. I was told to email with a written statement claiming my location at the time of the transaction and they would consider reopening my dispute. I was accused of giving out my card number and writing down my PIN number and talked to like a toddler.
11/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OR
  • XXXXX
Web
At approximately XXXX Pacific Time , someone managed to hack into my account and move money from my savings to my checking account and then proceeded to spend {$1500.00} at a XXXX XXXX on Wednesday XXXX, XXXX. I woke up XXXX hours later to XXXX automated text messages from my bank as someone changed the phone number linked to the account and other information. I contacted Chime immediately. The charge was still pending- they updated my account information and noted that they could not do anything unless the charge went through. On Friday, XX/XX/XXXX, the charge went through. I contacted chime immediately to dispute the charge. It's important to note that I live in Oregon. I made charges only in Oregon. This charge came from New York. I noted this on my call with them. I woke up on Saturday the XXXX to an email saying they decided there was no fraud. Which is... insane. At no point have I have been to XXXX in New York. I live in Oregon. They barely got information from me. Why wouldn't they look at the phone number that someone changed in my account? Why wouldn't they look at the address the items were shipped to? I don't even understand how they " solved '' this so quickly.
06/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • VA
  • 23434
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Re : Account Number : XXXX About a month ago, I wrote Chime to dispute fraudulent charges on my account in the amount of {$110.00}. I did not make or authorize these charges and apparently have been the victim of identity theft. I am requested that : The charge be removed. Any finance and/or other charges related to the fraudulent charges be credited to my account. By this point, they have denied to give me a provisional credit nor a refund since the inception of my first dispute. These requests were made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). I had enclosed copies of from my Cashapp and XXXX XXXX XXXX XXXX accounts that had been barraged with attempted fraudulent transactions from XXXX ( however, unlike Chime, XXXX detected the fraudulent activity immediately and blocked these repetitive charges & alerted me ) as evidence that these charges are fraudulent. Please investigate this matter and correct the billing error as soon as possible. Regards, XXXX XXXX XXXX Attached are evidentiary evidence.
04/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TX
  • 76010
Web
On XX/XX/2023 I made XXXX payments through XXXX XXXX of XXXX dollars XXXX dollars and another XXXX dollars. later those three were refunded to me. XXXX XXXX told me that the funds would be available to me on Wednesday XX/XX/2023. They were not available and these transaction did show in my chime account in checking. When the funds was not available to me in chime I then spoke with XXXX XXXX and chime. On Thursday XX/XX/2023 I went to file a dispute on those three charges and many other one which chime has been fixing those but I could not file a dispute on the XXXX, XXXX and the other XXXX dollars that XXXX XXXX refunded me on XXXX XXXX which went back to my bank account on XX/XX/2023 XXXX XXXX and XXXX XXXX said that refund was completed but conveniently those transaction are no long even viewable on my chime checking account. I have been on the phone sending chime proof of all this by screen shots I have been taking this time because this is not the first time chime has done this and there was nothing I could do about it because I did not have proof but this time I have the proof and Chime is not doing anything about this. This is XXXX dollars that Chime has stole from me.
12/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • TX
  • 78717
Web
Good Morning, I am deeply alarmed by this sequence of events. I notice on XX/XX/2021 that {$37.00} dollars has been adjusted off my checking account/ spend account. I have you call me - the first agent puts me on hold and disconnects. I have you call me again - the next agent states her and her supervisor only see adjustment of {$37.00} and escalate and I should have an email in 2 hours about resolution - no email comes I go to login to chime on XX/XX/2021 and it says my account has been closed- you owe me all my money that is in the account if you plan to close it and a justification. Luckily I took screen shots of my account before you closed it and did the math - my checking/spend account had {$37.00} you adjusted off on XX/XX/2021 without reason or notice - the savings has {$17.00} - so I expect a total of {$54.00} to be sent to my linked bank account at XXXX XXXX ASAP or paid to me via check - you are not allowed to take my money without notice and justification. You also cant say I have been active as I have logged in to use spot me boost multiple months. This behavior is unacceptable and a violation of federal banking laws and state banking laws XXXX XXXX
03/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • TX
  • 77551
Web
I My name is XXXX XXXX I had an account with chime online banking this was around XXXX to XXXX and on XX/XX/XXXX I was issued a government check in the amount of {$1200.00} they told me that the account was suspended and closed giving me no explanation why it was closed or suspended telling me security reasons and hanging up in my face so I called back over and over and over again telling me that the account has been closed and you need to reach the 24 hour supportive team by email I sent email over and over nothing here it is almost two years later and they still will not release the money or unsuspend and reopen account this is been long overdue all I want is my money and compensation for my lost time while the money was sitting in the account that they closed do the company negligence the account number for the prepaid bank is XXXX XXXX XXXX and I do not have this credit card anymore XXXX XXXX XXXX XXXX expiration XX/XX/XXXX XXXX security code XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX my email address is XXXX and my telephone number is XXXX XXXX XXXX and my husband XXXX XXXX his number is XXXX XXXX please call either one of us to handle handle these matters
08/05/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • LA
  • 705XX
Web Servicemember
My card was stolen by someone and used for multiple charges on my account. Multiple charges were processed and allowed to go through. I did not know about them right away because I did not have my phone as it was lost. When I finally received my new phone I saw charges were made on a site called XXXX. I contacted this merchant and they confirmed that the incorrect debit and credit card details regarding the billing and shipping address were made however chime still approved the purchase to go through. Even though this is 100 percent proof of fraud. If someone gets your bank card and puts the name on the card and the card number thats not enough for the charge to go through. They must also have the correct billing and shipping address. However they did not. Somehow chime bank approved this purchase and many others even though I reported them as unauthorized. They denied my claim saying they found NO ERRORS. Which is 100 percent FALSE. The merchant XXXX confirmed with me that the billing address and shipping address used to make the purchase was in fact the wrong address. This is a ERROR. So it seems Chime bank is just denying claims without even properly investigating them.
06/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • IL
  • 60652
Web
On or around XXXX XXXX, 2023 it came to my attention that my Chime card was used without my authorization when I shouldve had a balance left and went to make a purchase and the purchase was denied due to XXXX. This happens semi-frequently due to the XXXX XXXX XXXX with several of my more used cards, especially those I use for online shopping, and I believe the vulnerability is due to the selling of my personal information by the breach and thus being sold on the dark web, and its often difficult to work with companies to explain what happened ( as I dont have a full understanding of it ), and be reimbursed my money that was wrongfully taken out of my account because of hackers and my sensitive information being made public. Im not out atleast {$450.00} due to two companies denying my fraudulent claims, with no explanation. Ive just been left in the dust missing money with my word against no ones and cant prove that it wasnt me that didnt authorize the transaction despite being at work, busy, etc. I want to help others that are struggling as a result of this or the XXXX breach, and possibly collaborate with someone/a group of people on how weve been able to recover?
10/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • WA
  • 98229
Web
I have received 4 emails today, supposedly from Chime bank. I will attach copies of the emails. the first email congratulated me on opening the account and said that the account was opened somewhere in the same state I live in and to click if this was not me. I did not click. The second told me I had a bonus. The third said that I had a deposit of XXXX dollars. The fourth offered me a credit card. Initially, I just put the first email into a spam folder. I was a bit concerned as they had my name and email, but I chose to ignore it. When I received the other 3 emails, I became concerned and looked up Chime bank. I did not use the links in the email, rather I went to their website. They had an automated response-bot ( I assume ) that said that they could escalate my concern to a technician who could help me. I was then routed to a service that would charge me {$1.00}, saying it was refundable. I did not bite as I would have had to share information. I also noticed that, by signing up for this " assistance '' I would be signed up for a {$46.00} fee. I am not sure if yours is the site to follow up with this, but as I did involve the actual bank, this all seems quite fishy.
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • TX
  • 77338
Web
Chime bank I added funds to my credit builder account on the morning on XX/XX/21 while at home on XXXX XXXX XXXX. 16 minutes later, {$190.00} dollars was withdrawn from XXXX XXXX XXXX on XX/XX/21. Ive never been to that store before. This transaction caused my Credit Builder account to become overdrawn. I called the bank to report fraud, they told me to wait until the funds settled. The funds settled on XX/XX/21. I emailed a claims/dispute form to Chime on XX/XX/21. My claim was denied and by I closed my account on XX/XX/21. On XX/XX/21 I received an email from Chime reversing a decision and rewarding me {$100.00}, half of the money stolen from me. The overdue amount remained. On XX/XX/21 I sent two emails proving that I was at my home during the time of the transactions and my claim was still denied. The old account is still overdrawn, I have not received any of my stolen funds and Chime bank threatens to report the overdrawn account to all three credit bureaus. It is a banks responsibility to provide security for their customers but I was left vulnerable and they did nothing to correct the issues. Chime is an untrustworthy company and is in need of major improvements.
03/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • IA
  • 52241
Web
I recently moved, and I've changed my address with Chime Bank. I've submitted the requested documents on several occasions, and they continue to re-ask for the same documents. Due to this poor customer service, I've closed the account, and they owe approximately {$300.00} ( money in the account at the time of closing ). Below is a sample of one of their emails to me. Thanks, XXXX XXXX XXXX XXXX XXXX, Here XXXX! I do apologize for the hassle. I can assure you that this is not the experience that we want for you. Unfortunately, we are not able to accept it since the documents submitted are not valid bills and are not submitted in the format requested. To allow me to proceed to update this information, please submit a clear photo of your proof of address showing the XXXX corners, unfolded, dated in the past 30 days, and under your name. Once you have shared this information, I will be able to proceed. Additionally, if you would like to get personalized support via phone, you can call us at XXXX. Unfortunately, we are not able to complete outbound calls to our members. I do apologize for the hassle. I look forward to hearing from you. Thanks, XXXX XXXX XXXX XXXX XXXX
09/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 32808
Web
I received a number of charges from XXXX parks and entertainment for the amounts of XXXX a total of 5 transactions as well as XXXX for XXXX and XXXX and XXXX. I reached out to XXXX and they advised they didnt have anything current for my account so of course I disputed I was advised by a representative that after 10 business days I would receive a provisional credit.After the 10 business days I didnt get a credit I was advised by a representative that my credit was denied because 2 out of 7 didnt qualify and that I would have to wait for 30 business days ( filed dispute on XX/XX/23 ) today was the 31st day with the holiday in consideration I called again today and was told that I would have to wait an additional 30 days.Also after being issued a new debit card another transaction from XXXX XXXX and I was told I had to inform that that I had to verbally tell them to block the merchant and that I would have to request a new card! Im a single parent and in these times I can not afford this and its also delaying me to pay my rent please help! I also requested to speak with a supervisor I was told I could not and I was only provided a name of XXXX and a reference number XXXX
07/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MS
  • 390XX
Web
My debit card was stolen on XX/XX/XXXX at my local XXXX On XX/XX/XXXX at XXXX my checking account was charged {$520.00} from XXXX. I was also charged 2 other transactions but they both were declined. I called my bank at XXXX on XX/XX/XXXX and let them know about these transactions and about my card being stolen. They would not let me dispute the charge until it had cleared my account. 4 days later, the charge cleared and i was able to dispute. I was denied. I have done XXXX rebuttals, and all have been denied. I filed a police report, contacted the merchant and got proof the shipping address is in XXXX and i am still denied. The XXXXXXXX XXXX, which is the bank who FDIC Chime, has denied every dispute i have done. I am still out almost {$600.00} almost 2 months later. I am out of options at this point and need help proving this was not me. My complaint is against Chime which is FDIC through the XXXX XXXX I filed multiple disputes through Chime and through The XXXXXXXX XXXX and all have been denied. I need help getting approved. I have plenty of evidence. Most of it i have attached, as the rest is on my phone. Please let me know if i need to email the rest to an email.
10/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • SC
  • 29621
Web
I needed to call XXXX XXXX for an issue I needed resolved with an XXXX. I XXXX XXXX XXXX and clicked on the website and the number that was provided. The agent I spoke with said he needed to verify my identity and I needed to download an app called XXXX so he could see what my screen was showing as we talked. I did as he said and gave him permission to see what was on my screen. He the. Told me to go to my Chime bank account to see if a {$1.00} deposit XXXX sent was showing. I did and it never showed. He then tells me to go to pay/transfer and gave me an email address to put in for who I was sending money to. He then told me in the amount to put {$730.00}. That was the balance on my account and he was able to see that because of the app I downloaded. He was talking so fast and before I even thought I did as he said. He told me my money wasnt going anywhere because the transfer would not be accepted, it would be declined. He kept telling me to wait until it showed so he could decline it. It all happened so quickly. I waited and stayed on the line until the transfer went through. He immediately hung up on me. He scammed me into sending him my whole balance of {$730.00}.
11/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • WV
  • 26501
Web Servicemember
On XXXX XXXX I transferred fund to XXXX to my brokerage account, I got notification from Chime indicating the direct debits Had been completed. A few days later I got notification from XXXX that no funds had bee recieved to my account accept the smaller {$10.00} deposit I made 4 days after the larger deposits. Chime says the money has cleared XXXX XXXX but my records indicate different which has caused me a deficit to my brokerage account. A direct debit is suppose to be immediate, I am not sure what is going on here but this is not right. I tried to remedy the situation with Chime they stated there was a reversal.which should have never happened because there was no point in which funds were not available. # XXXX. I placed a dispute with chime back on XX/XX/XXXX sent in proof as of receipt and receipt from other company toe prove claim, chime stated it would be XXXX, after the XXXX was up I got any message stating it would take up to XX/XX/XXXX, this is not right. How can I file an FDIC insurance claim on my account since I have incurred damages due to the fault of Chime. I have asked Chime this many time and they will not answer my question. This is fraud please help
09/10/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 43081
Web
I bank with Chime and I had an scammer whom took My money {$2100.00} He first took {$100.00} and then proceeded to take another {$2000.00} transaction. He was texting me and acting as an chime representative. He told Me he had to put a freeze on My account and not to log in for 5 days. After the 3rd day of me not logging in I noticed a charge to XXXX some sort of banking service and asked the scammer what was this attempt at a money transfer? He said he blocked that attempt and now for me to wait an extra two days. I knew at this point t he was an scammer so I called chime support and asked if this person was in fact chime support. They told Me they do not ever contact people through text and advised me that my phone had an app likely which the hackers could hack into my account. They said change your password and factory reset your phone which I did. Upon logging in I noticed the funds were all gone from My account. Chime says they will file a rebuttal which takes up to 45 days after I send them evidence in the denied dispute. I can not wait 45 days for my money so I thought I would contact you guys with evidence of the fraud that occurred so you could please help me.
01/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WA
  • 98682
Web
On XX/XX/2021 my credit card with chime was charged fraudulently charged {$3200.00} while my credit card was turned off and transactions of any kind should have been impossible. Is not only a violation of the advertised ability to lock your card when not using it so new transactions can not be posted to your account but it is also a violation of their own policy which puts a cap on an individual purchases and daily purchase limits of {$2500.00} so ANY transaction for {$3200.00} should have been impossible for any reason at any time. I have disputed this transaction with trying several times and they have refused to reverse the purchase despite verifying that I did in fact have the transactions turned off and my card locked at the time the purchase was made and that the purchase was made on a card with an old card that had a different expiration date and different cvv but still had the same card number. On top of all of this time purchase itself is fraudulent and after providing documentation to chime which showed that the charge was not legitimate chime still hasn't fixed this mistake despite the fact that for several reasons it should never have been allowed happened.
10/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32162
Web
On XXXX XXXX my account continued to get reoccurring billing from XXXX in different amounts not previously agreed upon by myself, I can not access the XXXX account it is associated with and can not stop the reoccurring billing at all, chime bank in all their infinite wisdom after multiple calls to them finally blocked the merchant. Every time I explain to them that XXXX needs me to log into stop the transactions ( which I can not it is permanently blocked ) they pretty much are telling me its not their problem after multiple attempts to resolve this issue I get told they suddenly changed their policy on how disputes are handled and hung up on Im on the XXXX rebuddle for this dispute and evidence Ive sent to them is not being reviewed properly but sent to other departments I know this now because Ive sent evidence 4 times to them and they only used 1 photo of the multiple showing no access to the account exists if have to start another account with XXXX. Chime bank has been very rude and suspicious when it comes to their sudden policy changes and once things are settled myself and family will be closing accounts we have with them and moving back to traditional banking.
09/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MD
  • 219XX
Web
I have a Chime checking account. Between the dates of XX/XX/2023 and XX/XX/2023, a total of XXXX fraudulent charges were made on my account. A total of {$530.00} was stolen from my account. I have reached out to Chime multiple times. They opened an investigation and later that same day, already determined that no error was made and no funds will be credited or reimbursed. I called again the next day to explain that its pretty obvious these are fraudulent charges and even the second Chime representative I spoke to that day even said she thought it was obvious by looking at the charges, times, etc that they were fraudulent. She reopened the investigation for me. Later that same day, I received another email from Chime stating that they concluded their investigation and found no error was made and no funds will be credited or reimbursed. Im currently waiting for the documents Chime used to deny my disputes to XXXX in the mail. Once I have that I will be filing a police report along with reaching you CFPB now. It blows my mind that Chime took just mere hours to do a while investigation just to deny me when its very obvious these are fraudulent charges I did not authorize.
01/13/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MD
  • 21045
Web
On Sunday XX/XX/2021, somebody signed into my online Chime Bank account. I am not sure if they signed in through a mobile device, or a computer. I received an email saying Chime had added another bank account 'Simple ', which I did not recognize. So I tried to sign into my account through my phone. Strangely, I was prompted to input my login information, even though I had previously saved my login information. I looked at my activity, and saw that the hacker transferred {$11000.00} from my savings directly to my checking ( both accounts in Chime ), and proceeded to transfer {$2000.00} to a XXXX XXXX then almost immediately after {$9000.00} to the Simple bank account. This was all very strange, because I am always notified when a new device signs into Chime via email. However upon looking at my email history, I did not see any notification emails regarding a new device signing in. All new device sign in notification emails came from my devices. I contacted Chime immediately. They said they would open a case, but could not immediately refund my money. I would greatly appreciate if you could look into this matter, and get me my {$11000.00} back as soon as possible.
11/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • MO
  • 63011
Web
I initially contacted Chime on XX/XX/XXXX as I had received 2 emails from them about an account that was setup in my name. I had never heard of this company, nor did I try to setup an account with them. They closed the account per my request but were not able to provide additional information unless I gave them my SS #. At that time I declined to share that information. I was told that I needed to file a ID theft report with the FTC and provide my SS # in order to receive additional information about my file. I went ahead and did file an ID theft report at that time. On XX/XX/XXXX I called them again and did give them my SS # and gave them information about my ID theft report. I asked to escalate the case ( I have a reference number from chime ) and then I received a series of emails where they wanted my SS # again after I had given it to them over the phone. I received a series of automated emails asking for my SS and the ID theft report after I had already provided it and felt like I was getting the run around. At this time I chose not to respond to their emails and through a Fraud resolution specialist with XXXX XXXX, she suggested I file a complaint with you.
01/03/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Can't close your account
  • CA
  • 94602
Web
For reasons I do not understand, I discovered that a fraudulent Chime account was created in my name, using my email, XXXX, mailing address, and other personal information. I called Chime to try and report this fraud, however could not talk to a real person. To make any progress to address this problem, I had to setup an online profile and download the Chime app. Upon opening the app for the first time, I was immediately offered a four figure loan, which I declined. I opened the chat function in the app to explain that my account was fake and the result of identity theft. Chime Support replied that they could help me, but the only way to close my account was to provide Chime ( who may very well have a hand in this fraud ) with the last four of my SSN. Initially I refused to do so, but seeing no other option, I closed my account via the app ( providing the requisite information ) and promptly deleted the app from my phone. A few days later I received a Chime credit card, which I destroyed. A week later, I received a client communication from Chime, despite the fact that I have done what I can to close the fake account and discontinue any relationship with the company.
11/29/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • AL
  • 355XX
Web Servicemember
On XXXX I used the pay anyone feature via Chime online banking thru there app- I normally send money to my wife XXXX XXXX XXXX - when I recv my VA BENEFITS- I attempted to send XXXX @ XXXX which popped up DENIED - upon research we realized that my card wasnt linked with her XXXX XXXX acc - thus being a requirement needed to be able to make the transaction successful- she fixed it by linking our acc ; then I tried again at XXXX to send XXXX, this time being successful- however I noticed under my transactions it showed the first -denied XXXX was showing as pending- and also my account was missing XXXX from my balance ( XXXX total ) cont XXXX XXXX and made them aware - today now it shows completed and the XXXX that was tied up in there system has been taken completely from me.I again made them aware that now they have stolen XXXX from me- having XXXX possibility of even being any other option ( the orginal XXXX that was denied ; was denied due to XXXX not being linked thus it cant be blamed on anything but there system ) thats all my remaining money for the month and bill money - they said they would look at it and it could take 90 days thats so extremely unacceptable
12/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CO
  • 81007
Web
My account was charged {$40.00} on XXXX at XXXX by a company that shows up as " XXXX Tx Verify '' with " XXXX., WY, XXXX '' as the description. Assuming the location is in Wyoming, as I've never heard of or dealt with this business. I am in and live in XXXX, Colorado, and had transactions literally 2 hours before this one at a XXXX gas station, where I put fuel in my wifes truck for the amount of {$45.00} exactly, which she sent me that same amount back to my account within 3 minutes. When I disputed the claim, XXXX is now saying this is a " funding event '' for the fraudulent charge, even though clearly it was for the {$45.00} spent immediately prior. Now they're refusing my claim again after I asked for review from providing this information, questioning their competence and reading comprehension, stating it's denied due to " account history, spending history with the merchant/recipient, transaction data '' but can not, or will not, provide details of any prior history. My fraud claim is being denied again and I doubt they're even looking at it, because I was under the impression that if I didn't make the purchase ( clearly I didn't here ) I wasn't liable.
04/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NY
  • 11418
Web
I have a checking account, the Spending Account, with The XXXX XXXX via the XXXX company, Chime. Last month on XX/XX/2023, they suspended my account and I lost access to the account including the ability to log onto their website and mobile application. I have repeatedly tried to provide the information they are requesting to unsuspend my account but they are refusing to unsuspend my account, indicating the information I provide is insufficient. I have provided them with all the information I have so it seems that I have exhausted my options to unsuspend my account. Thus, I simply wish to retrieve my most recent statement and close the account and receive confirmation that my account has been closed. The usual way to close the account is via their mobile application as indicated on their website, https : XXXX, but lost the ability to log onto the app since they suspended my account. I have both tried contacting Chime Member Services at XXXX and emailing XXXX but they continue to request information and refuse to close the account. I am tired of dealing with their unresponsiveness and don't want the account to accrue fees and reason for them to take my funds.
01/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NC
  • 28173
Web
On XX/XX/XXXX We discussed with a lady about helping us get a house. We continued to communicate and be in contact with the lady. On XX/XX/XXXX we sent the lady the {$1000.00} which was her fee for getting us the house through XXXX XXXX XXXX XXXX. On XX/XX/XXXX we were in contact. The last stated she would let us know once approved. I reached out on XX/XX/XXXX the last stated she should know something today and stated she would reach out to me. XX/XX/XXXX Asked the lady for an update and that I didn't hear from her the day before. She stated she forgot. She stated that she would get me approved. XX/XX/XXXX Lady stated she would call me, never received a call. XX/XX/XXXX reached out for an update. She promised she would call me never did. XX/XX/XXXX I requested me.momey back from her and she denied it. Reached out to cash app they requested I reach out to her. Then I reached out to Chime on XX/XX/XXXX regarding the incident. XX/XX/XXXX they gave me a claim number and stated someone would get back with me. They stated for me to explain what happened and attach documentation supporting my claim. XX/XX/XXXX they reached back out and stated they were denying me claim.
09/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11417
Web
I called CHIME on Saturday, XX/XX/2023 @ XXXXXXXX XXXX. and inform the CHIME representative to stop a money transfer in the amount of {$760.00} because I realized that I am being scammed. She advise me that she will and the payment will not go through. When I check my account again on Monday, XX/XX/2023 the money transfer went through and then I was told that they will open an investigation and my money will be credited back to may account. I have called several times about this money transfer in the amount of {$760.00} and the CHIME representative keeps telling me that they will investigate and I will be issued a temporary refund, a few days later I receive an email stating no refund and the claim ( DISPUTE # XXXX - {$760.00} ) is DENIED. I called again and then I was told that the full amount on XX/XX/. Today ( XX/XX/XXXX ) I receive another email stating that the investigation has been done and no money will be refunded - DENIED. My account is currently at - {$22.00} because I will not put any more money in the account. I need my money back because if it was XXXX they would have place a stop payment immediately on the transaction. Please help Thank you
10/11/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IL
  • 62959
Web Servicemember
Yes my name is XXXX XXXX and I would like to submit a complaint against chime. As of XX/XX/XXXX I had roughly XXXX in my chime spending account. I had been with the bank for over a year but it hasn't come without costs. As of XX/XX/2021 I had XXXX supposedly. 8 days is all it took for my account to be wiped out basically from unauthorized transaction and activity on my account which I had noticed before and tried reaching out to chime several times whenever my money would just disappear from the running balance. They would deny my claim and wouldn't return my funding or even look into it I feel. I have done my part and notified them immediately of this and they have not honored their liscene with Visa and their zero liability promise as I haven't heard anything about my disputes. Furthermore, you can not reach a live customer service representative only email them that's all. I would like to know why I did everything I was supposed to and my bank didn't look out for me as the consumer and didn't listen whenever I communicated with them my concerns. And if Visa is saying zero liability then someone must be getting that reimbursement because it isn't the consumer.
02/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • 42301
Web
I ordered a product offline and was then informed that I could not use it. I immediately tried to call and cancel and send emails but the company would not answer my calls or emails. I then filed a dispute with Chime, my bank at that time. After I filed the dispute the company I ordered from finally answered me telling me it was too late to cancel and that the order had shipped but if I rejected the package or returned it within 60 days they would refund my money. I returned the product as instructed and sent the tracking number to the company to get my money refunded. Once they received their product back they told me it was a dispute and I needed to call my bank. They said that Chime had done a charge back and showed me documentation of this. Chime had given me temporary credit for the refund and now they have reversed it and charged my account {$410.00}. So I sent them the proof of the returned product as well as the correspondence from the company guaranteeing a refund but they refuse to give me my money back. They have sent documentation stating the reason for refusing to pay me was the I did not return the product as requested and this is completely false.
12/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OH
  • 454XX
Web
I had open an account 4 years ago under XXXX preferred name XXXX. Chime which is XXXX XXXX sent a card under XXXX. Which they did document it right. I tried to send a check online. I had funds in my accounts they refused the payment. They did that same day send a flag on the last name XXXX. Asked for me to send them a 1099 knowing I am XXXX. I question it no answer. They did threatened to shut down my account said they needed it due to the IRS. I never did get anything from the IRS. I sent all my information I'd, social security, birth certificate. They refused it wanted only the 1099. I filled it out before the deadline. During this time XXXX XXXX refused deposits from me. I didn't get no letters from chime father on the account being closed. I thought it was taken care of. Next thing I knew they closed it on XX/XX/2023. They logged me out of my accounts on my mobile app from seeing my financial statements. I had no access to those. I still could see those statements up to XX/XX/2023. I seen several deposits at the point it was closed.I had no access to it. How were these transactions going thru they knew wasn't mine they kept posting. I like this investigated
10/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85268
Web
A total of 29 unauthorized charges, and another 34 amounting to {$1200.00}, and {$1600.00} were made on my cards starting XXXX XXXX XXXX Despite filing numerous disputes with my bank Chime Financial , they quickly reject all of them without providing any evidence to support their decision. The merchants associated with these transactions do not exist, making it difficult to gather relevant information about the issue. From the start, their treatment of my claims has been subpar. Despite informing them and verifying the accuracy of my claims over the phone twice, they still included valid transactions in the initial claims without making any corrections. Despite multiple communication attempts via phone and email, they never delivered on their promises. I personally discovered that certain transactions were conducted in XXXX and XXXX. Being a sole parent residing in Arizona, this situation is particularly concerning for me especially when they say they have a zero liability policy. I have been fighting with them for 3 months and I was credited back for 3 of the unauthorized transactions but not the other multiple unauthorized transactions from the same merchant.
04/21/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 90047
Web Servicemember
My accounts were closed stating violating terms of service which I was not made aware of. This was a second deposit transaction which the first one was 9 months prior and there was not a problem. I received my 2nd assistance thru the SBA for my self employment. My accounts checking, savings, and a credit account closed with close to 15 thousand combined with no warning. I was asked to provide all identifying documents and details of my business and SBA loan documents. My account was closed and my money being withheld. I call numerous times and now Chime has block my number without providing any information to what terms were violated. I asked to have call escalated and was ignored and mistreated feeling discriminated against. I have not been able to live without borrowing money and maxing out my credit card. Account was suspended on XXXX and closed on XXXX. I was refused when asked to speak with investigations in regards to releasing my legitimate funds which were from employment, IRS, and XXXX loans. My savings alone was over 10 thousand. I can not provide actual amounts due to being ignored and blocked out of chime system. I feel totally displaced and robbed.
06/14/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • PA
  • 16601
Web
On XX/XX/2023 Chime Visa closed my account and said it was due to inactivity when I called they apologized and reopened my account with no explanation of why but my funds were gone everytime I contacted them they blame someone or something else avoiding responsibility for the money its always a song and dance with them Im new to them and 3 days prior to them closing it I deposited money into this account all deposits equal {$1500.00} total its been 2 months and I havent received anything no correspondence of any kind as far as I can tell at this point banks can do whatever they want and Im just at a total lose please help me recover whats rightfully my family and I property Im a single dad raising teenagers I really could use my money returned to me I guess no one would be accountable for it unless I make them thats why Im filing this report upon googling this with Chime this is something they do and have done in the past to people its an ongoing constant issue and happens to unsuspecting people at random Im not sure if this is a game to them or whats going on theyre very good at deflecting any questions but I have any necessary proof thats needed upon request
07/22/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Can't close your account
  • CA
  • 922XX
Web Older American
On the XXXX of XXXX, 2021, I received a text from " Chime '' with a security code I never requested and notifying me that the phone number on my Chime account had been updated. I do not have a Chime account and never requested to open one. I found an e-mail address for Chime and sent them an e-mail notifying them of their error and alerting them to possible fraud. I told them I wanted any accounts with my name on them to be closed. This on the XXXX. " XXXX '' responded, but took no action. I replied, again instructing them to remove me from any accounts. " XXXX '' replied. I sent another e-mail, and heard back from " XXXX. '' I replied to this on the XXXX, getting a reply from " XXXX '' who wanted a copy of my driver license. I submitted it, then heard back from " XXXX, '' who asked me to submit it again, but this time in a different format. I can forward this chain of e-mails to you on request. This experience reminds my of the practice of XXXX XXXX when they opened accounts without informing customers. I have sent a request for my credit report to make sure no account from Chime shows there, and I have started the laborious task of changing all my passwords.
12/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32708
Web
I have contacted Chime ( XXXX ) several times since XX/XX/XXXX regarding the XXXX XXXX XXXX I had loaded the card with {$150.00} and only used {$120.00} which was paid in full before the billing cycle was complete. I continued to receive emails and notifications that my payment was past due and that my card had been deactivated. I spoke with several agents who advised me to simply make the payment again then transfer the funds to my checking and simply not use the card and this would not continue to happen nor would my credit be affected. This Monday XX/XX/22 I checked my XXXX XXXX account and to my surprise my credit score had dropped XXXX points because of late payment referring to the Chime XXXX XXXX XXXX. I spoke with a rep immediately that day to express my frustrations as I had called several times from XX/XX/22 until this point because despite what the reps told me I continued to receive emails saying my payment was past due. I was told to disregard those emails and that nothing would be reported. On my call on XX/XX/22 the rep told me someone from their team would be contacting me within 24 hours to resolve this issue. I have yet to be contacted.
10/28/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 93933
Web
I am a Chime banking customer. I tried to use the approved atms per the chime app and the atm located to find atms that are in network and can accept cash. I was unsuccessful at 3 different atms. When I tried to use the automated system to ask for help I was unsuccessful and given the option to talk a representative. After being on hold for 10 minutes, I was transferred to someone who told me that having issues with deposits since XXXX prior. Although, no alert or email was ever sent to me. When I asked why I couldnt deposit money, I was told to give me money to the cashier who will charge my card with the amount that I wish to deposit. This goes completely against the instructions that the app and the automated support system advised. The person then asked me to go to XXXX and try several other ATMs around town, I asked them out right why it was not working and they were not providing a solution. I asked to speak to a supervisor and was told that the supervisor would not take the call. This bank is essentially lying to its customers about the ability to deposit cash into the ATMs, the company is not providing me with an answer and I want this issue resolved.
08/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TN
  • 37412
Web
My fianc, who lives with me and has XXXX kids with me, transferred {$500.00} to my account on XX/XX/2023, and Chime " flagged '' that as suspicious and suspended my account. They demanded i provide pictures of my ID, social security card, and proof of income over the last 3 month period, as well as proof that my fiance owned her account, and that she intended to send it to me. After XXXX weeks of emails ( no phone number is available for the " XXXX '' team, nor would any of them contact me to figure out what more they could want from me ), i provided every document they requested, and instead of restoring my account, they closed it entirely on XX/XX/2023, and claimed my funds ( {$1200.00} ) was not eligible for a refund because I did not provide enough " proof of ownership ''. I provided everything they asked for, called support regularly to check the investigation status, and tried to figure out if i could send any more documents to help make the process easier, and still they illegally took my money saying i violated Chime policies, but never stated what policy. I have countless emails i can provide for review, and call logs to show how persistent i was.
06/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NV
  • 89052
Web
Someone has hacked into my phone and was able to gain access to my account, on XX/XX/XXXX at XXXX XXXX I received a email from my bank saying my email address has been updated and I didn't request the change, and was locked out of my account. I immediately contacted the bank to report it and had to submit a identity verification by emailing a photo of myself holding my ID and was told it could take 1 to 12 hours to be reviewed. I called the bank again later the same day at XXXX in the afternoon, after verifying me they updated my account and I was able to finally gain access to my account that's when I noticed a transaction that occurred XXXX in the morning, my money was transferred to my checking account and then they did a XXXX XXXX transaction for {$300.00} to account under the name XXXX XXXX. I immediately contacted the bank again and reported the transaction because clearly it couldn't have been me because I called them XXXX hours prior to it happing because my information had been changed. No one could explain to me how my account was not immediately frozen when I reported the suspicious activity prior to the transaction. Chime has denied my dispute
02/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10467
Web
On XX/XX/2023 I got a txt msg from Chime asking if I authorize a transaction, I replied No ; and they replied back to me that the transaction was block an decline. They I kept getting the same txt but different amount over and over and I kept replying No. So, I login to my account and see 6 pending transaction within 6 minutes at the same location. So I called Chime and while I was with them on the phone some of the transactions where coming in. They told me that the transactions are pending and will be rolled back to my account. Chime later approved the transaction, they blocked my card saying they'll send me a new on, I didn't receive the new card in 10 days until I call again. I got the new card on the mail and still Chime refused to tollback, credit or refund my money back. Chime is a Fraud enabler, they authorize transaction fully knowing its fraud and leave the customers with zero, empty handed. If you link your paycheck, it will be the same Chime will steal all you funds in a minute. It shouldn't be that easy and that's exile I fully believe Chime and they employees are stealing customers money. I JUST NEED ALL MY MONEY BACK. IT'S BEEN 15 DAYS NOW!
11/18/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NH
  • 030XX
Web
I had a account with Chime bank. My purse was stolen this past XXXX. I called Chime to cancel the card. They were going to issues a new card. I asked them to wait because I was in the process of moving. ( I did give them all the information they requested. I also sent copies of my change of address, pictures of my mail with the new address and my I D. Which they requested as proof. As this was all on going ) Next thing I know they sent another email stating fraudulent activity multiple accounts? I only had one account. My Social Security check went to chime XXXX. It got into a heated argument because they were supposed to expedite my check but it's been 3 months of lies and numerous phone calls and over XXXX emails. I still haven't received my check. They have had me jump through hoops. I gave them all the information they requested and I still haven't got my money back. I tried to find a number for the XXXX XXXX XXXX every phone number is the same and it only puts you in contact with the representatives. I have been arguing with them since XX/XX/2023. Every email I get is a roller coaster ride and lies. Please help I'm at my wits end with this company.
10/24/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • OH
  • 454XX
Web
my bank account and all of my money has been locked by chime bank. At first I received an email from them saying there was suspicous activity on my account so I immediately called chime and was told that this was a scam because it came from chime outreach and there was no such email address associated with chime only XXXX so I did what I was told and disregarded it. Then my account was frozen so I contacted them again and submitted everything they asked for XXXX times over the last 8 days with no response or support other than an automated acknowledgement email. I have called 6 times trying to get it resolved and they tell me they have received everything will unlock it after reviewing it on support end but nothing has been done and I am working full time and I am a full time student and I can not buy gas or food or anything else. I have changed my future direct deposits but I get paid byweekly and have a whole week before I get paid again. This is my money not chimes.I have done everything over and over again with no avail.I need my money to survive on.Please help me and stop chime from doing this to other hardworking people. Respectfully submitted XXXX
06/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28306
Web
I had my Chime debit card stolen on the night of XX/XX/XXXX and was then fraudulently used at a XXXX Lottery machine in a XXXX near my address at XXXX and XXXX the next morning. I file a police report and called the bank as soon as I realized the card was missing after I got off of work that day but by then it was too late and they people who stole it spent {$500.00} and made my account go into the negative {$120.00}. The bank said I could dispute the transaction but had to wait for it to be cleared in my account before I could do that. It finally cleared in my account and I disputed it but accidentally cancelled the dispute thinking I was removing the transactions from my account. I have had this account with this bank for almost four years and have never in all that time spent money on lottery much less {$500.00} in less then XXXX minutes. I have provided them with the police report and they still said that it was still me who made these transactions even though I didn't have my card and they knew I didn't have it. They also refused to give me an address for the place my card was used even after being asked multiple time on the phone and over email.
09/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 777XX
Web
On XX/XX/2022 I was at a gas station, while i was inside paying for my gas with CASH, my car was stolen. Inside of my vehicle was my cell phone, my chime debit and credit card, my DL, my SScard, amongst other important Items. I immediately asked the store owner to show me the cameras, he had none. So i called XXXX. The officer arrived and took my story and took my vehicle information and asked if I had a ride home. I did not. So he wrote me a citation for XXXX dollars as a result of the ride home. My car was stolen for a total of 4 days. during which time the thiefs withdrew XXXX dollars from my account on four different occasions totaling XXXX dollars. I got my car back four days later and saw that all of my personal stuff was gone. I disputed this with chime and have been denied more than a few times. I have sent every evidence you can imagine. Including the police report! I am still denied on top of that when i request the documents used to make the decision it is merely an automated email with little to no information of value! I have now been evicted from my apartment bc i was unable to pay rent and am now XXXX XXXX XXXX with no help in sight!!!!
08/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KS
  • 661XX
Web
I had two fraudulent charges on my card with chime ( a subsidiary of XXXX ). I filed disputes for both in XXXX of 2021 immediately after they posted to my account. The first was a {$600.00} ATM charge that was never distributed to me by the ATM, but my card was still charged. The second was much smaller at {$57.00} for a XXXX XXXX in Maryland ( where Ive never been ). I was issued provisional credits for both after a waiting period of 10 business days. The {$57.00} charge was detected as fraud and I received an email saying the provisional credit was permanent, yet it was deducted the same day. I then received an email saying the {$600.00} charge has been reversed and all provisional credits would be taken back by the bank. There is video footage of me at the ATM during both of my attempted withdrawals. The first ( {$600.00} ) is unsuccessful as can be seen in the video footage as well as the receipt i sent to the bank. The second ( {$400.00} ) was completed correctly as can be seen in the video footage and in the receipt I sent in to the bank. Both of these disputes were overturned and the money was taken back, despite both being instances of fraud.
12/01/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • VA
  • 240XX
Web
On XX/XX/XXXX I tried to make a transfer deposit of {$430.00} from my Chime checking account ( XXXX XXXX ) to my XXXX bank account online. I had just received {$430.00} ( confirmed credited to my account ) in the form of a direct deposit from my employer earlier on the same date. XXXX XXXX rejected this deposit on XX/XX/XXXX and stated insufficient funds were the reason. Per XXXX, the deposit was returned unpaid to Chime and debited from my XXXX account. My balance in my Chime account was enough to cover such a deposit, however. After speaking to Chime several times I spoke with XXXX, a manager in the claims department, who told me that I would have to fill out a claim form for the money and then submit it to another department. He assured me that he would email me the proper form ( s ). I have yet to receive anything from him or the department. My last call to them yesterday XXXX XX/XX/XXXX ) ended with a customer service representative hanging up on me while I was complaining about my situation. Earlier yesterday Chime had sent me an email stating that there was no reason for them to credit my account with the {$430.00} from the failed transfer.
07/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • FL
  • 33907
Web
Ive had Chime mobile banking for a few years now. On XX/XX/2022 someone made two unauthorized atm transaction of {$100.00} and {$400.00} on my chime credit builder card somehow but the transaction expired and the funds was returned back to my card after filing a dispute. Chime deactivated my credit builder card and sent me another one in the mail which takes 3-5 days to receive. Then on the XX/XX/2022, the same two atm transactions happened again at XXXX on my credit builder account. However, the credit builder card in possession was already deactivated and my new card hasnt came in the mail yet. I did not have a active credit builder card to withdraw funds at the time of the transactions. Therefore, the transactions were clearly fraudulent. I called to dispute the transactions again but their investigation team has denied my dispute within minutes of me filing a claim and refuse to reopen my claim. The money that was taken was my rent money and chime always seem to talk in circles when I contact them. Chime isnt even trying to compensate me or look into my case. This is the worst online banking system out there and I would never recommend to anyone.
01/16/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem using a debit or ATM card
  • DC
  • 20002
Web
I have a chime account open & on XXXX XXXX @ XXXX I had {$90.00} in my savings & {$5.00} in my spending account. My transactions were disabled & I did not make any transactions until the next morning when I was about to transfer some of the {$90.00} to my spending to purchase food. I noticed all my money is gone {$95.00}. Under transactions it says it was Transferred to a friend by the name of XXXX XXXX who banks with Chime as well. I reached out to Chime to file a dispute and let them know the transaction was unauthorized. They requested me to fill out and email an Affidavit form I did so & I havent heard back from Chime since. I googled to see if anyone else faced this problem & there is a whole review page https : //www.depositaccounts.com/banks/reviews/chime.html of people currently and previously facing this exact same problem & are loosing a lot of money. My transactions were off which means the money shouldnt have been able to transfer to anyone. In addition I didnt receive an email or phone notification as I normally do when I make a transaction. Lastly I have not even set up the feature to allow transferring money to others who bank w chime.
10/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 15210
Web
I rented a vehicle from a car rental company XXXX XXXX XXXX XXXX, 5 times from XX/XX/2023 until XX/XX/2023. Each time i rented a car it held a security deposit. The rental car company advised me the money would be returned to my account which is chime. None of the money has been returned as of today. Ive reached out to chime several times as well as the car rental company. The car rental company advised me the money was in fact released to my account and provided me with an invoice for each time. Ive filed disputes with chime after speaking with several managers and still no money or any answers about why my money is not available. The amount that has not been returned is a total of {$1300.00}. Sixt held {$200.00} four times and {$500.00} one time. The invoices reflect what sixt charged me. My account statement reflects the money that was transferred into the account and it shows the amount over the invoiced amount. Chime tells me every time i call them. They dont see a transaction where sixt held any money. But theres transactions showing me transferring the money in. Chime has a copy of each invoice and screenshot showing the amounts being held.
02/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 76542
Web Servicemember
Chime gave someone access to my account whi then stole money from XXXX have been a victim of identity fraud by Chime. On XX/XX/XXXX, someone stole XXXX. 2 days prior, I received text messages asking me about support rating. Thats when I realized that someone is trying to hack my account. I opened the chat and wrote, please help, I think someone is trying to hack my account. I got the response that someone would call me. I never got that call. The next day, when I attempted to log in, my password had been reset and I had an email saying that I sent XXXX to an email XXXX at XXXX am. While I was sleeping. They even went in and left a chat saying I need a loan XXXX transferred XXXX from my XXXX savings at XXXX, and then sent {$1000.00} at XXXX to the XXXX. This means that someone called into chime, and was allowed access to my accounts.They changed my information and passwords! I have disputed this twice and I keep getting denied saying no error occurred! I also filed a report with FTC for identity fraud as well as locked my bank accounts. I do not know whom this person is that took my money nor do I know how they were given access other than by Chime.
12/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CT
  • 064XX
Web
I recently noticed a specific amount being deducted out of my account monthly. Every time I try to red flag the amount CHIME BANK tells me that nothing can be done until the withdrawal is completed. After they withdrew out of my account XXXX times and nothing was done I decided to call again this time I put in a claim for all XXXX transaction each charged at {$29.00}. After a day investigations they claim the the charges were valid and theres nothing they can do to refund back the amount. I repeatedly explain to the supervisor that I can not provide any further proof since its a company Im never heard of he then told me that I would need a police report I asked what am I going to tell the police and then he told me according to his investigation that all the charges were right and there is nothing that they can do to refund back the money. They took out {$200.00} and some change over a period of time which they are not looking to reimburse me I do not know what to do at this point I can not get in touch with Manager theyre telling me to get a police report I dont know what to do please help me with anything that you guys can provide with assistance
01/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MN
  • 553XX
Web
I had fraud on my account from " XXXX '' that charged me for several thousands of dollars, so I called chime customer support to report it and file a dispute. However after the dispute was filed I went and found out that only XXXX transactions were placed on the dispute. So again I called customer support and told them that these other transactions needed to be added to my original dispute, they said they could not do that but they would just open a separate dispute and it wouldn't be an issue. Well I didn't see the email at the time but now that I got a final decision on my original claim I see that they almost immediately denied the XXXX claim, I mean they denied it so fast they couldn't have possible done anything. So my original claim was approved and I received the funds for that, however the XXXX claim which held the vast majority of the fraudulent transactions was denied. Clearly this must all be a big mistake, if my first claim was approved then clearly the XXXX should have almost been approved. This is getting highly irritating and I dont want to have to invest money into a lawyer or spend time mass mailing local investigative news crews.
09/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WI
  • XXXXX
Web
I am the victim of identity fraud from XXXX data breach and I have been battling this issue for two years because it has really screwed up everything. Besides all the other issues I have with this Fraud, chime has continually denied every dispute I have given them. One big one was a charge of {$370.00} from XXXX XXXX through XXXX. I called to dispute and recieved an email directly after call of XXXX XXXX XXXX XXXX XXXX XXXX, 2023 and they said it might take up to 20 days but before XX/XX/XXXX. At XXXXXXXX XXXX. ( just 1 hour and 17 minutes later ) on XX/XX/XXXX... THE SAME HOUR I DISPUTED IT .... they sent me an email letting me know they investigated it and its denied. Wow. After I told them on numerous occasions that my id was stolen. I also disputed a charge from NUBmer of XXXX and they denied that. Then I had a XXXX atm withdrawl and 48 seconds later another XXXX atm charge... it was disputed and denied. I had a hard time getting through to somethat could follow along and when asked by me to speak to the XXXX of call center... they told me no. XXXX man hung up on me. these charges are the result of ID theft and yet this place wont back me up.
11/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • CA
  • 947XX
Web
On XXXX XX/XX/XXXX an email was received from Chime that an account was opened for a Chime Visa Debit card. I did not apply for a debit card and I wrote back to the company explaining that someone had opened an account using my email address. Chime is NOT using email verification before allowing an email address to be added to an account. This is fraud and violates GDPR. I tried to get them to remove my email from their system but they will not since I am not a customer of theirs. Meanwhile, I am receiving all the email notifications that the card was mailed and they provided me with the default pin number, and XXXX ( XX/XX/XXXX ) the email was to activate the card. I am unable to unsubscribe from these messages since they believe that I am the customer. The person who opened the account is a XXXX XXXX who lives in XXXX. Please assist me in getting them to remove my email address from the account and to utilize email verification BEFORE allowing an email to be added to their systems. Thank You Please Note that the billing address in the following section is the one that I believe the card was sent to. It is not associated with me at all.
08/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • MD
  • 21223
Web
XX/XX/XXXX, suspicious activity was reported on my Chime account. A fraudulent page on XXXX was doing a promotion with their logo and was phishing for info. I kept getting texts that I was requesting new log in codes. I called Chime to dispute it. They locked my account for three days, then it was unlocked for one day. I got a text on XX/XX/XXXX, that I changed my phone number and email to a Florida number. Which I did not!!! I called Chime again! Requested a dispute to be filed and my account to be closed. It was not closed, got a two new cards : Checking and XXXX XXXX Credit Card. But I can not access my account. I have not been able to access it since XX/XX/XXXX. I kept getting some type " I am not a robot '' every time I tried to log in. Employer direct deposited {$380.00} which he could not stop transfer from bank. I have been going back and forth with Chime Support. I am tired of sending pictures of my ID 's and SSN to prove who I am. I have been a customer for over 3 years. As of today, XX/XX/XXXX, I have no money. I still can not access my account. XXXX XXXX purchases were made from my account using my direct deposit BUT it was not me!
05/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 75287
Web
XX/XX/XXXX chime bank allowed four different banks to link to my account transferring my money in my credit builder account and savings account to my checking. I was given back over {$20000.00} but five transactions were done in another state. They have been refused equaling XXXX something dollars and XXXX or XXXX is just gone no ones addressing that, I was waiting for them to get that fixed. She take my money out of the bank XX/XX/XXXX. My account was hacked again by four banks being linked to my account. Chime gave me {$17000.00} and at the same time the banks link back to my account Chime, close my account all three and told me I was the reason due to I didnt follow their policy in deposits, I have work XXXX XXXX for the XXXXXXXX XXXX XXXX XXXX that is the only deposit Ive done. I had an account with XXXX. It got hacked the same way I just spoke to the detective on the case he is willing to talk to you I have his direct number just reach out to me. If you need to speak to him I can not get anyone from Chime to give me my money back to give me any answers. That was my mortgage. Im going to lose my home I really need your help Im begging you.
09/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • IL
  • 61401
Web
I have provided all of the documents and regardless I am still denied access to my account. I have provided the drivers license I was given by the state of Illinois. You are denying me again. Request for more documents. I dont have the debit card from my account that was closed and I was denied access to since XX/XX/XXXX. I am homeless now and I am without any explanation to where the XXXX {$50000.00} of my money went. I am locked out of my account and have been since I inquired about it back in XXXX of XXXX. I want to know where my money went. I am fed up of asking. Chime is nothing but a scam. I reported to chime fraud department nothing. Reported to XXXX and nothing came from that other than Chime wanted to fix issue directly without XXXX involvement. I resent all identification documents to be still months later nowhere as before. Chime is a scam and no customer service for their customers. They just simply cut you off and ignore the situation when questioned. I want my {$50000.00} Chime. I am homeless now because of you. If I would have had my funds available I would have been able to remain off the street and have a home. Shame on you.
03/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 900XX
Web Servicemember
I made a dispute with Chime Several of them actually as someone skimmed my card last year, ( XXXX and XXXX ) I got the Card replaced and all So Basically the Charges were like this XXXX -> This has not been refunded ( Ticket with Chime : XXXX then a second ticket was issued, I forget the name, for a series of XXXX " little '' ( XXXX XXXX XXXX total ) XXXX XXXX XXXX XXXX XXXX etc ( Fictitious because I cant remember, but all after the ORIGINAL problem of Every Small Charge that was charged over several days, was put into one dispute, and the big one was put into one dispute. The LARGER dispute was first. The smaller disputes were challenged and refunded to my account via the no liability clauses However Chime has not, and continues to not refund the XXXX and change My problem is this was XXXX of Last year, Every time I call them there's no way to reach the boss, or anything of their " Escalation and dispute department '' They keep saying they'll escalate it, and contact me within XXXX business days, I never get an email/phone call ANYTHING. I just wanted my money back, but mostly count it as a lost cause, just want to know what you all think?
01/28/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 330XX
Web
I have an account with Chime on XX/XX/XXXX they said someone tried to access my account and they suspended my account I have called and sent emails and they asked me to send an.email with my drivers license and me holding it I did onXX/XX/21 then I heard nothing still suspended then I called and got another email they wanted me to hold up a piece of mail and take the picture I did that onXX/XX/21 still suspended then they swnt another email wanting a picture of me holding my liscence and the last 4 of my social I did that on XX/XX/21 I had a deposit go in on XX/XX/XXXX and I have no access to my money this company has many complaints about this same issue and I have incurred late payments and return charges because of this and still have no answer and there wasn't a purchase that was attempted they just said someone tried to access my account so why not just change password and it's done but I haven't had that opportunity well actually I did on XX/XX/21 qhen I spoke to a representative and she told me I was good then later when I went to login I couldn't. I feel they might be using my identity and i.know they are using my money because I cant
11/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77340
Web
My account was hacked on XX/XX/XXXX while i was asleep my login information was changed and my phone number was changed without my permission I wake up and call chime immediately when I was not able to login to my account, I had to send in a picture of myself with my dl and note with my email and phone number XXXX and my dl to change my account back to me, when I logged in my card was changed and a temp cared given without my knowledge, there were XXXX transactions that i did not authorize with the temp card and i told chime that and was told to wait till the transaction was not pending anymore and we will dispute them, so far all my disputes have been declined i sent over XXXX documents to chime and they refuse to give my money back after speaking with supervisors and they make notes stating they see my account has been in the hacked alerts and i did not authorize the transactions my dispute still gets denied I asked for reasoning and told they don't see why the investigation team will deny my dispute then they reopen my case only to deny it again. I've asked for documents and they still have not sent me anything. and keep denying the claim
10/30/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • KS
  • 66104
Web
XXXX XX/XX/2023 MY TAX REFUND WAS DEPOSITED INTO MY CHIME ACCOUNT FOR THE AMOUNT {$25000.00} IMMEDIATELY THEY LOCKED MY ACCOUNT AND FROZE MY FUNDS I CALLED AND EMAILED THEM AND THEY REQUESTED THAT I SEND DOCUMENTS TO THEM VERIFYING MY TAX REFUND. I SENT THEM EVERYTHING THEY REQUESTED, INCLUDING MY ID, MY TAX TRANSCRIPTS, PROOF OF MY MAILING ADDRESS, AND THE RECEIPT FROM TAX PREPARATION. I SENT SEVERAL EMAILS AFTER THIS TO VERIFY THAT THEY RECEIVED EVERYTHING AND THEY HAVE NOT RESPONDED. THEY REFUSE TO UNLOCK MY ACCOUNT, OR SEND MY FUNDS TO ME IN THE FORM OF A CHECK, THEY ALSO REFUSE TO SEND MY MONEY BACK TO THE BANK THAT DEPOSITED MY FUNDS IN THE FIRST PLACE. I CONTACTED THE XXXX TO FILE A COMPLAINT AGAINST THIS COMPANY AND THEY DENIED RECEIVING THE PAPERWORK I SENT THRU THEIR SECURE WEBSITE AND REFUSED TO REFUND MY FUNDS OR PROVIDE ANY TYPE OF SOLUTION. THEY ARE SIMPLY KEEPING MY MONEY IN THEIR ACCOUNT WHICH IS STEALING. IT IS MY UNDERSTANDING THAT XXXX XXXX XXXX OR XXXX XXXX, XXXX IS IN CHARGE OF REGULATING CHIME. PLEASE SEND ME MY MONEY IN THE FORM OF A CHECK OR RETURN MY FUNDS TO THE BANK THAT DEPOSITED MY FUNDS INTO THE CHIME ACCOUNT.
01/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11368
Web
- An unauthorized payment was made by someone using my debit card info today. I filed a dispute. The two unauthorized charges were {$9.00} and {$1.00}. - The estimated review month was XX/XX/XXXX so I called chime asking why it was going to take so long. - They confirmed the review date was XXXX but I would receive a preliminary credit on the XX/XX/XXXX. Besides the fact that if this was a larger payment this would hurt me because I have bills due NOW where if I dont pay them my life is ruined ( credit score ruined, eviction from apartment, etc )- They told me though that if the claim was denied Id owe them the credit. So if I receive the credit for {$9.00} and {$1.00} on the XXXX and the claim is denied in XXXX then Ill have to pay Chime back credit for the {$9.00} and {$1.00} that was for an UNAUTHORIZED payment. All in all now I feel unsafe keeping my money with chime financial products like checking, savings, and especially the secured credit card due to the fact that if a claim is denied even if the payment was unauthorized I end up potentially losing hundreds of dollars, and if used with my credit card it would damage my credit.
08/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OK
  • 73162
Web
I opened a Chime account recently to give them a try. I had a portion of my check deposited to the Chime account and received a bonus from them on XXXX, bringing the account balance to {$310.00}. On XXXX, I made a payment to my credit card company in the amount of {$110.00}. I received an email from Chime on XXXX stating my direct debit had been declined. I am busy and got XXXX so I couldnt handle the situation immediately. On XXXX, I reached out to Chime because my credit card company charged me a {$29.00} return item fee and I wanted to know why the transaction was denied in the first place. I was told it was for insufficient funds by support and that my inquiry would be escalated to member services. Member services sent me one message on XXXX and then I didnt hear from them again until XXXX when they improperly transferred my case to their Dispute Team. This is not a dispute according to the Reg E definition. I am incredibly upset with Chime because I have to pay {$29.00} for something I did not do. It was unfair of them to decline the transaction and they were deceitful in trying to pass it off as a valid decline for insufficient funds.
11/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • LA
  • 70706
Web
I used a ATM and the ATM didn't give me any money but it still took {$300.00} out of my account on XXXX XXXX I noticed the charge and called Chime they told me to wait and maybe it would go away. I wated and on the XXXX XXXX XXXX it was no longer processing. So I called and talked to them again and they submitted a dispute for me. Then on the XXXX XXXX XXXX they sent me an email and said I was denied. I called and they wouldn't tell me why but they said they will submit to have an email sent to me on why and I reopened another dispute. Then I got the email as to why they denied me it said they denied me on just my phone conversation with the chime representative. So they didn't have a reason. I called everyday leading up to yesterday when they still said theres nothing they can do. I called the ATM people and told them my situation. They said that they recieved the dispute and said that they sent my money back to chime on the XXXX and gave me a transaction XXXX XXXX XXXX I believe they called it. So I called chime back and they just passed me around saying that my dispute is still under investigation and there was nothing they could do.
01/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32714
Web
XX/XX/22 I paid for a service that I DID NOT RECIEVE AND STILL HAVE NOT RECEIVED through my Chime debit card. I have disputed and tried to get my money back thru Chime who is refusing to give me my {$300.00} back! I was scammed through a XXXX XXXX user and I sent in multiple Documents proving I never received what I paid for. They sent back a document of me requesting a refund from the scammer and said that was the reason they are not giving me my money back! How does that even make logical sense! Chime states they assist and refund customers who have been scammed or paid for something they did not receive however, they are not helping me! I have been patient, and tried to work this out but this is ridiculous! They have no reason to not assist me with this. The documents they provided makes XXXX sense and doesnt even state what I said or prove anything besides that my money was indeed stolen! Please help {$300.00} gone down the drain & my bank Chime/XXXX is not helping! I have multiple documents of me trying to work this out with both XXXX XXXX, Chime, and the scammer who refuses to give me my money or respond after I sent the payment.
06/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MS
  • 393XX
Web
On XX/XX/2022 I filed a dispute against XXXX in the amount of {$120.00}. The next day I mistakenly canceled my dispute and tried to reopen the dispute but got denied multiple times. On XX/XX/2022 my issue with XXXX was resolved but the only problem was that since a dispute was filed chime did a chargeback and XXXX has told me to since I have filed a payment chargeback dispute, we recommend reaching out to your banking institution regarding the down payment of {$120.00} I made. So once I called chime about it they told me to send in new evidence to reopen the case and still keeps getting denied after multiple times even after talking to a supervisor no help. They also told me also to call and talk with the merchant so once I got off the phone with them I immediately called XXXX and they said basically it was nothing they could do because the chargeback was officially completed and they did not see why chime couldnt refund me the chargeback or reopen the dispute so I could receive the money. I have also sent them the email from XXXX stating to contact them about the refund and Chime hasnt done anything my but deny my request to open it.
04/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CO
  • 80015
Web
On Thursday XX/XX/XXXX at XXXX, I got and alert on my phone. The alert stated a transaction in the amount of {$120.00} at XXXX and XXXX gas station. I was alarmed because I was at work and had been at work since XXXX. I immediately went to my purse to see if my cars was there. It was. I then proceeded to call chime bank and dispute the unauthorized charge. I was then told I had to wait until it wasnt pending to open a dispute. On sunday XX/XX/XXXX the unauthorized transaction had gone through. I opened a dispute via chime app. I got a credit of {$120.00}. I was surprised that after only a few hours my claim was denied. I then called to open the case back up. The man said I could send on more info to support my case. I screen shotted my work schedule stating I was working. I dont believe they even looked into the dispute. I have never been to a XXXX and XXXX I shop at XXXX. If they looked they would see that. I requesred a copy of the evidence of how they came to their decsion. I re-opned the case. They toom back the credited amout of XXXX and my account is now negative. They also state they are apart of visa zero liability. That is a lie.
08/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WV
  • 26101
Web Servicemember
My Chime account information was compromised and my card information was stolen and used without my permission. Exactly {$450.00} was stolen from my Chime account. I filed a dispute on XX/XX/23, and Chime denied my dispute not even 48 hours later. I then filed a rebuttal, and Chime denied my rebuttal not even 48 hours later. Under regulation E, I am entitled to my money back. Yet this financial institution, is denying me my money back even though my money was fraudulently used. Chime knows my account information has been compromised from previous disputes, yet they are denying that my information was compromised and my card was used fraudulently. How does that make any sense? Theyre investigating process is not very good at all, and they did not even look into my issue for more than 38 hours. They issued me a new card, but did not issue me my money back. How does that make any sense? I am now out over {$400.00} due to theft and my account being compromised, and Chime is if no use even though under Regulation E which is what my case falls under : They have to give me my money back. How can a company blatantly break Regulation E?
03/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 318XX
Web
Between the dates of XX/XX/XXXX and XX/XX/XXXX I had XXXX XXXX dollars fraudulently charged to my Chime bank accounts. The card was supposed to be locked in a safe that was in my apartment. The account was used to store money for my upcoming wedding. When I logged into the account the end of XXXX, I noticed I was XXXX negative. I immediately went to dispute the charges and the first try was lackluster, I couldnt get someone to do it. I called again and got someone to go through and dispute all charges. Within seconds of ending the call all the disputes were denied. No one looked at my account, no one tried to track where these transactions were made. No effort was given in protecting my account. I waited a few weeks to try and reach out. When I reached out I was given the cold shoulder and cookie cutter answers. I was told my claim was going to be given to the fraud department and they would be in touch. It has been months and no one answers, no one calls, there is no correspondence. They stated they would send me information they had at their disposal to make the decision but I never received anything. Theyre lying about what happened.
07/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 85281
Web
From XX/XX/2021 to XX/XX/2021 I had numerous unauthorized transactions totaling in {$2600.00}. I was at this time incarcerated and unable to make these purchases. I have tried to file fraud charges with Chime multiple times only to have them continuously denied my claim. I was able to recover some of the money however I am still needing a total of {$2400.00} from Chime. I have given Chime proof of incarceration from the state of XXXX police report number, and an affidavit of stolen identity. However, Chime is still refusing to return the money from the fraudulent charges or even flag these charges as being fraudulent so that we may get assistance from the sellers To find the person who actually used the card. Chime is claiming that they find nothing wrong with their transactions however I have given them proof that I was behind bars at the time of these transactions therefore making All of these transactions are an authorized. I am needing the funds to be returned and I am needing these charges to reflect as fraudulent so that we may find the actual perpetrator. I have multiple documents that I can include if there is a place to upload.
05/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • IN
  • 462XX
Web
Although I am not sure what happened exactly. I know I did dispute a charge with XXXX. Because XXXX uses a company called a XXXX who is known for stealing packages. I packed was stolen. I requested a refund for that package, and I also requested a refund for each pair of shoes that was out of stock. I was waiting on the refund for the second pair of shoes. Theres also a pending refund for a XXXX order. I made this call on XX/XX/XXXX. I received my refund for the first pair of shoes on XX/XX/XXXX I saw the second pair was still pending. I also saw the other dispute was open. On XX/XX/XXXX around XXXX XXXX I tried to log into my account I couldnt login. I called customer service. They told me my account was closed. He told me to check my email. I saw the email was sent 43 minutes before I called. My direct deposit for work goes there. I was going to pay my rent, which was already late now I am going to be evicted. That is my whole direct deposit check. Im also a new parent with a newborn who needs things, and I was given less than a 24 hour notice. I could have called my payroll department to stop payment to issue me a paper check.
09/14/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Can't close your account
  • WA
  • 99202
Web
Chime " Bank '' emailed me with instructions on how to unlock my account. I have never had a Chime account - I have never done any business with Chime - I have never contacted Chime. There is no reason for Chime to have my email address. I suspected someone had opened an account with my email address - or was trying to do so. I reached out to Chime, and their online " Help '' bot instructed me to email them at XXXX. After a few emails back & forth, Chime requested a picture of my driver 's license and the last four digits of my SSN in order to investigate. Chime found no account in my name, and attributed their initial email to me as a " glitch in the system ''. they said there was no further concern. But Chime should not even have my email address on file- unless someone provided it to them under fraudulent terms. I asked Chime to investigate further, and I am waiting for their reply. But they were responding within the hour previously, and I have not heard from them today. Please advise. I am concerned someone is trying to open an account with this " bank '' using my personal information - and Chime does not seem to be concerned.
07/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 18940
Web Older American
On XX/XX/XXXX, I received an email from Chime stating that the phone number associated with my account had been changed to ( XXXX ) XXXX a phone number and email address were provided if I did not request the change. I emailed XXXX and stated that I never applied for any Chime products. Next, I received an email from XXXX at Chime saying Welcome to your new account stating that they were personalizing my new Chime XXXX XXXX XXXX and would be sending it out in a few days. Next, I received an email stating '' Your XXXX XXXX application is almost complete. When I emailed the support address to explain that I never applied for a Chime product, I received a response stating that they could look into it if I would upload a copy of my government ID to the secure link provided in the email. I did not communicate with them further. This morning, I received a voicemail message from ( XXXX ) XXXX claiming to be the fraud department at XXXX Bank, my regular bank. I did not respond because that is not how XXXX Bank Communicates problems. I have sent a secure message to XXXX I suspect that all these communications are an attempt to defraud.
06/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11370
Web
On XX/XX/2022 an aunathorized charge {$310.00} was done from XXXX. XXXX caught the charge informed me I told them to stop but the money was already withdrawn from my CHIME account via my debit card which is saved on my XXXX account. I informed CHIME of the unautorized transaction and they started an investigation. XXXX also did an investigation and they emailed me confirming it was indeed unauthorized. Since I started an investigation with my bank XXXX said they had nothing else to do CHIME would/should request their findings but I called XXXX and they informed me CHIME did not request any information at all from XXXX. Chime basically said because my card was in my possession and in the past year I have used XXXX for other transactions it was determined to be authorized. Unprofessional and lazy investigation from their part. I appealed them provided the communications with XXXX and they basically told me nope too bad sorry you dont agree. I asked CHIME to provide me with their " investigation '' documents and they havent provided me with anything. It is now XX/XX/2022 and I am still trying to get my money refunded back to me.
06/23/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • CO
  • 80020
Web
Hello, Not necessarily a huge deal but it could be misleading to many other customers and create false expectations. I recently opened an account with Chime ( Bancorp Bank and XXXX Bank ). They required direct deposit for my of it's feature to open up, which is fine, but there are many little clauses and protocol they go through unbeknownst to us consumers. As for me, I would like to used their mobile check deposit feature but after fulfilling their requirements, or so I thought, they responded by saying it takes 30 days or so for review and other risk based factors. I am pretty mindful of this but had I known it would take 30 days to do a simple mobile deposit I might have gone else where. They advertise it as an immediate feature unlock after receiving your payroll deposit based on their phrasing and how it was advertised but apparently not. It's just a little frustrating to be lead to my conclusion but be told after some confusion that there are other steps involved. Enclosed it how they present their features Also their call center/customer service doesn't really help you resolve any of the issues you may happen to have
02/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • FL
  • 339XX
Web
I borrow {$420.00} from a friend, Im going through XXXX treatments and Ive been missing work. I needed to money for a car payment. This was in XXXX. I spent XXXX hours with chime on the phone because they wouldnt let me withdrawal my own money because I didnt verify a debit card they sent me a year prior, after a few hours on the phone we discovered we could assign me a temp card. We assigned me a temp card, I transferred {$420.00} from my chime account to my XXXX XXXX XXXX account. I also closed the account. I then get a email a week later informing me my XXXX transfer has been canceled due to suspicious activity. I spent an hour on the phone with them Friday trying to escalate this to the appropriate team and I have a single email that has not been responded too. I have sent XXXX email without corespondents in an appropriate amount of time. I really need this money its all I have to my name, I still have to pay my friend back. They are not responding to my emails and when I call in they just say I have to deal with the email department. This looks like this my only option to get somewhere before I take them to small claims.
12/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AL
  • 36575
Web Servicemember
On XXXX I visited a website that was a scam. I tried to make a purchase with my Chime card but it kept being declined. I used another card and didnt think anything of it. I noticed 10 transactions on my account that I did not authorize. Not only did this company drain my Chime card they drained my other card as well. As soon as I noticed these charges I called Chime and disputed. Chime stated that I would be given a credit for the charges within 10 days while the claim was being investigated. Today I received an email from Chime that the charges were valid and my claim was denied. The charges were from XXXX XXXX and XXXX. XXXX. XXXX is a website where everything is free and Words is for translating things in different languages. I have nothing to do with either company. What evidence did the merchant provide? Are there any tracking numbers? How did I spend money on a website where everything is free? How can you deny my claim without properly investigating? A police report was filed for this fraud hopefully someone will help. I pray that I can get my money back this is the holiday season we should be surrounded by love not thieves.
05/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 30458
Web
On XX/XX/2022, I purchased an item from a seller on XXXX. On XX/XX/XXXX, It was delivered to my address. I took the item to the XXXX. The XXXX notified me that the item did not fit my vehicle. I then contacted the seller on XXXX. The seller on XXXX initially was not responding to me. I then requested from XXXX to send me a return shipping label. The label sent to me via email was incorrect. I then purchased my own shipping label from XXXX. The seller on XXXX signed for the package in agreement that he received the item back. I filed a dispute with my bank for merchandise returned. My claim was denied over 10 times. Ive sent in receipts, invoices, tracking numbers and messages and my claim remains denied. I have since then tried to contact XXXX for a refund. They denied my refund as well due to their policy of opening a claim outside of XXXX. Chime has denied my claim several times. My bank stated that they needed an order number. That order number was provided to them and my claim remained denied. I found the sellers personal information online and contacted him. He agreed to do a refund but XXXX is preventing him from doing such.
02/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 382XX
Web
It began I was on the road a friend needed help with a car payment since there was no contact I was to far away to give cases I put money on a cash app card and sent her {$600.00} later in she said she never received the funds so I XXXX cash app number and was put threw a rep I wanted my funds returned gave information to my account they had me download an app for them to refund the funds they took {$2.00} out without permission they told Mr to calm down that they were going to be longer than usual I was getting angry they told me to call back in XXXX min and number was not active I immediately contacted chime they told me they said they would looking into it closed account down my blocked me and I still had {$500.00} in account several weeks went on got a letter in mail stating that account closed they said it was my fault so help from chine my number is blocked when I call to find out about my account and how is it my fault can't get answers for months I need my hard earned money back my sister did all foot work to investigtion and got more info on situation please help single mother work hard for my money Thank you and God bless
12/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • MA
  • 015XX
Web
me. Im at my wits end. I just recently purchased a new house, and I am changing banks from Chime to XXXX XXXX XXXX. Chime bank will not allow me to transfer my funds to my new bank. Ive contacted them on repeated occasions to try and get my money transferred over and because they say theres a limit per month on how much money they can transfer they keep denying my request, Ive requested them to close my account and overnight me my my check balance they refusing to do so. I also asked them to please send the check to my new bank. Theyre refusing to do so they will not help me in anyway and I can not get access to my funds to be able to put the down payment on my home. I dont know what else to do. I tried contacting XXXX XXXX XXXX XXXX XXXX told me to contact chime chime wont change their limits. Allow me to transfer my funds. As Im supposed to be closing on my home on XX/XX/XXXX. Im hoping you might be able to help. Ive run out of all my other options. I I hI have tried to move funds out a tbit at a time but because of their monthly limit, they wont let me transfer any more funds Sincerely, one really dissatisfied. Chime customer
01/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • SC
  • 296XX
Web
I have had chime for 8 months I been getting direct deposits all this time then on XX/XX/20 my account was closed soon as I got paid XXXX I was in negative XXXX dollars they took my whole check I called chime they told me my account was not in compliance with there policy they wanted a explanation to ATM withdrawal I explained to them they told me to show proof of address picture of my social security card pay stubs i also took a picture with me holding my ID they got all these documents and told me I could not get my money they took all my money I sent them these documents more then once chime keep saying I'm not eligible for a refund I don't understand why when i sent them everything I been broke this whole time since this issue happened I have XXXX kids i been backed up on my bills my rent was due on this day when I got paid and they took all I had I'm a single parent all I want is what's owed to me the money I worked for I have been waiting all this time for my money I couldn't buy my kids no gifts because they closed my account soon as I got paid I will appreciate if you could help me get my hard working money back thank you.
06/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • FL
  • 33147
Web
On XXXX XXXX i went to pay my friend on the Chime app pay anyone feature. She did not receive it, so I had to XXXX her the money instead. I contacted chime support to dispute the transaction since the funds were taken from my checking account even though she never received the payment. Ive been denied twice already in my disputes, even though Ive submitted bank statements proving that nothing was received from chime. Since the XXXX Ive been through countless phone calls with their support team, and keep getting told the same thing. That I file the dispute and I should be getting my hard earned money reimbursed. Ive even been hung up on by one of their supervisors which I find extremely unprofessional no matter my tone of voice, because it gets to a point where youve explained the same situation about 20 times and nothing is changing. Come to find out I go on XXXX and Im seeing Im not the only one whos gone through the same issue. Times in the economy are hard right now and I dont make enough money to where I can just forget about those XXXX dollars. This is a company thats supposed to be legit, but yet arent helping there people.
01/24/2021 Yes
  • Money transfer, virtual currency, or money service
  • Refund anticipation check
  • Confusing or misleading advertising or marketing
  • FL
  • 32209
Web
XX/XX/2021 there was 8 transactions that was return in fund XXXX claimed in the receipts. Getting ready to pay team instead of trying doing a new claim that is how to put a XX/XX/XXXX on my transactions which calls me not to be eligible which they do what it was doing they sabotaged my chance and get a provisional credit knowing that I was well enough eligible to be credit.I called time about this XXXX which they knew they made I called and called they hung up in my face said it was something that he can do about it and I would like how King y'all say that when y'all the one that forcefully put my charges on the old claim that was totally different XX/XX/XXXX which was a Friday I called it's supposed to representative they corrected the issue in the dispute team department and told me that I would get a email and a provisional credit on the XXXX which is XXXXi call again on the XXXX to VERIFY THE NEW CORRECTIONS TOLD ME THAT NOTHING DIDN'T CORRECT IT I'M NOT ELIGIBLE AND I FEEL TOTALLY SABOTAGE .AS A XXXX MAN IM USE TO BEING TREATED THIIS WAY AND IM TIRED OF FULL NOT CORRECT IN THESE PREJUDICE SABOTAGE BEHAVIOR ENOUGH IS ENOUGH!!
06/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 78244
Web Servicemember
On XX/XX/XXXX I tried making a purchase through a company who advertised a stroller and car seat online via XXXX ad. The sell was for {$39.00} and {$10.00} for shipping. The merchant end up being a fraudulent company and I never received a product and I was unable to locate any contact information other than an email. I reached out to chime bank to try to get their assistance with getting that transaction reversed, seeing as though I never received merchandise. After doing some research, I found other victims that claim they had ordered items from the same merchant with no reply. My bank will not help me get my funds back, and they keep denying my claim. I have requested numerous times to see what documents they are using to make that determination. I also have sent every correspondence that I have had via email with that fake merchant. The merchant that turned out to be fraud, sent me a tracking number on a made up website out of XXXX stating that they delivered something to an address in California. I have never been associated with any address is in California. I live in Texas yet Chime is unable to prove anything to help me.
10/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OK
  • 731XX
Web
During the time of XX/XX/XXXX through XX/XX/XXXX, I was XXXX. Prior to being XXXX some of my belongings were stolen. During that time, there were several transactions made that I did not authorize ranging from money being sent in XXXX XXXX to a scammer, to purchases for XXXX and XXXX. I filed a dispute with my bank on XX/XX/XXXX once I was able to have a phone ( also, my bank is Chime ). The amount of the dispute was {$600.00} ( Claim ID # XXXX ). I was able to submit proof to Chime that I was incarcerated and was not able to even access my phone or debit card to purchase anything ( with my book-in and release report ), and nobody should have been authorized to make these purchases. I was able to receive info from XXXX XXXX about where the transactions originated from and where the funds were being sent to. After submitting this information, my dispute claim was denied. Total cost of money taken was needed for rent, and I don't feel this was investigated properly. I filed my dispute on the XXXX of XXXX, the dispute denial letter says that the dispute was placed on the XXXX of XXXX ; the total time to investigate was XXXX days.
03/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • DE
  • 19711
Web
Today on XX/XX/2022 I received an email from Chime stating they closed my account. I got no warning, no reason why and now XXXX not happy. I have a sick mother who recently had XXXX on XX/XX/XXXX and I went for her XXXX and scheduled to go back to Virginia Thursday. This has been and caused a HUGE inconvenience. I get paid every other Wednesday and my direct deposit from my job is scheduled to come tomorrow XX/XX/2022. I work for XXXX XXXX at home. I have bills to be paid tomorrow and again need my account open to be able to get an XXXX from the airport and to my mom and eat and simply do everything. I also have a scheduled refund from XXXX that is coming to me. XXXX just so distraught by this. I have attempted to contact chime and no one has responded to me and there is no way to speak to a live person. I even sent a dm on XXXX and XXXX and they just have an automatic response. This needs to be resolved quickly. I have a sick mom. Ive never misused my account. I paid back the spot me balance every paycheck and my history has been great these last few years. I have no other bank and I am freaking out at this moment typing this.
05/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CO
  • 80226
Web
On XX/XX/XXXX I reached out to the bank about a lost debit/credit card. I stopped transactions via mobile app and had received text messages from the bank stating that the transactions were denied. That said everything was actually debited from my account. When reaching out several times about the XXXX transactions totaling XXXX and was told that they would not be done investigating until XX/XX/XXXX despite my prompt report of unauthorized transactions and literally called despite turning my card off. These funds are my irs tax return and no provisional funds have been made available despite my calls and requests for a new card within a day of the most recent transaction that was supposedly denied by the bank. I have repeatedly asked for my money and spoke with the company that processed the transactions and was told that the bank needed to respond to the company. I continue to be put off all the while Im not able to pay my bills and care for my daughter due to my money not being available. I even spoke with visa regarding the unauthorized transactions guarantee but again said that I need to speak with the provider of the card.
03/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NC
  • 278XX
Web
On XX/XX/2023 I reported unauthorized charges made to my account immediately upon discovery, they amounted to over {$3000.00}. I provided Chime with as much information and detail as I could recall based on trying to back track the events that occurred leading up to my report, I shared my best guess where I was unable to state facts. They denied my dispute on XX/XX/XXXX without providing a single explanation of why it was denied or any information they used to make the determination. In fact in their denial email they told me that I had to request the documentation they used to deny my claim, and so I did. Late XX/XX/2023, I received an email with a statement attached. I did not receive any documents. The bullet points listed in their statement were partially false and several of their statements were " suggestions ''. The used acronyms in this statement which I have no idea of their meaning, " txn '' for example. They have caused my family and I a tremendous amount of financial burden and undue hardship based on their handling of my dispute and denial of it based on frivolous generalizations and I am seeking to be made whole.
05/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MI
  • 48228
Web
on XX/XX/2021 I purchased a group-on through my Chime ( XXXX card ). On XX/XX/2021 I was quarantined by Hawaii even though I had an negative COVID test ( attached ). On XX/XX/2021 I reached out to XXXX to ask for an refund they stated they could not but I should contact my bank. I did, and they denied my claim on XX/XX/2021. On XX/XX/2021 I resubmitted my claim and even sent my flight back home information. Again on XX/XX/2021 my claim was denied. I asked for another rebuttal on XX/XX/2021 and called to check on XX/XX/2021. I was told because I did not specifically ask for an " rebuttal '' it was denied. I resubmitted all documents again and in just a day received the attached denial on XX/XX/2021. Stating that my claim was denied because of groupon policy. The merchant has failed to respond to Chime. Yet they are still siding with them. I have sent everything I can to prove that I did not receive my goods/services and should not be responsible. Also inst it courtesy if the merchant does NOT reply within 30 days to settle in the favor of thei consumer. Now when I contact Chime the agents keeps hanging up on me. PLEASE HELP me.
12/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • IL
  • 60073
Web
My sister passed away XX/XX/2022. We have been going through her paperwork and noticed she had Chime accounts. I tried to call them several times and they wouldn't help. So they told me to email them. I did. Several times. They said I have to send my ID and a copy of her Death Certificate. I took several pictures and uploaded them to their website at least 10 times and they continue to tell me the death certificate is blurry. I have taken the pictures with my phone ( as they requested ), and didn't edit them ( as they requested ) but they continue to tell me they can't take them. I sent the exact same pictures to my husband to see how they come across and he said they are clear. I don't know what they are trying to do here, but they are lying about the pictures. I want to close her account and take her money out of her accounts, but they won't. I'm not sure what else to do. They have her money and won't release it. My mom also received a message on her phone stating someone was trying to get into her account. We want to make sure someone doesn't steal her money ( but at this time it looks like CHIME is stealing her money.
04/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 33138
Web
I had my cell phone stolen while I was using it. Someone grabbed it from me and ran one to make a transfer out of my Chime checking account for {$2500.00} and an apple payment out of chime checking account for {$170.00}. I am mediately notified time when I got home within a few hours to check online to see what had transpired and notified them while the transactions were pending that they were fraudulent they assured me they would not go through but the next day both charges went through. I have filed a dispute and its been denied. I am on the six rebuttal and they have not provided any temporary credit and continue to investigate, the reason for denying the claim is they are unable to verify that it is an unauthorized transaction. I have given them an affidavit by myself of the series of events. I have given them my XXXX XXXX XXXX phone claim information, the police report, and the FTC identity theft report I filed and they have been less than helpful through this matter which occurred on XX/XX/2023. I understand regulation E and I dont see how they are anywhere near being compliant and i request your help with this matter.
03/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30135
Web
On XX/XX/2023, I called and cancelled my XXXX Subscription. On Wednesday XX/XX/2023 I woke up to XXXX notifications from my bank stating that XXXX attempted to take {$9.00} from my account. When I called them they stated that although the account was deactivated that they couldnt stop the subscription fee. I called back a couple of hours later and was told that the subscription was cancelled and received an email with a reference number for confirmation. This morning on XX/XX/2023 I received another notification from my bank stating that XXXX more attempts were made by XXXX for the amount of {$9.00} again. I called XXXX and was told the same thing and received another email from them stating that it was cancelled. I dont understand how a business can tell their customers that their account is deactivated yet still try and take money from them. I cant log into the account or do anything with it, yet they can still attempt to take money for a service that Im no longer using. If customers dont pay attention to their bank accounts XXXX could easily collect {$120.00} a year from the customer unbeknownst to them. This is not right.
12/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33063
Web
On Friday, XX/XX/2022, I received a text confirmation from a company named Chime with a security code instructing me not to share it with anyone to keep my account safe. I have never had any knowledge of this company and immediately suspected a fraud attempt using my cell phone number. The customer service service phone number to report fraud was ( XXXX ) XXXX. I obtained this phone number after a web search. I spoke with 2 different customer service agents. One would not divulge her call center location. The other would only say that they are offshore and do not have any service in the United States. Neither customer service agent could provide me with a fraud hotline phone number. I also refused to share my email address with them, as it could have been a further attempt to phish my personal information. I have never experience any legitimate credit card or financial institution which had no fraud hotline. The customer service agents did not even try to look up my phone number and check for a new account being opened. The only address that I found listed for this is a XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX, CA XXXX
11/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 78045
Web
: On Friday XX/XX/XXXX there were XXXX UNAUTHORIZED ATM TRANSACTIONS that were made at XXXX XXXX for {$400.00} and at XXXX for {$100.00} at XXXX XXXX XXXX XXXX Texas and another transaction at XXXX XXXX in XXXX XXXX XXXX XXXX at XXXX. I called Chime customer service department and requested for the call to be escalated to a supervisor named XXXX. I informed him that these transactions were done in a matter of minutes apart in different states and demanded I get an immediate provisional credit because I have pending bills to pay. I need the CFPB assistance to please allow me to get my money returned to me as soon as possible based simply because of the obvious that these transactions were done in XXXX state different jurisdictions of states in which were done without my authorization or my physical presence. XXXX informed me that he would inform the investigators in their department the severity and urgency of this matter and would inform us by email or phone with XXXX to XXXX business days. I am requesting assistance in this matter to help me get my money back immediately based on the severity of these matters of injustice.
06/23/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IN
  • 46322
Web Servicemember
On XX/XX/2021 I received an email stating my account with Chime Bank was being closed and that chime had made the decision to end their relationship with me. I opened this account because chime advertises that they help fix your credit and one can receive their pay checks a day sooner. Instead of helping me fix my credit they have ruined mine because they have kept all of my deposits equaling approximately {$23000.00} I can not see the exact amount as they have closed my account and I can't access the account. I was supposed to receive my XXXX on XX/XX/2021 which included backpay this money was going to be used to pay my rent and other bills. Upon doing a little research I found that chime bank has done this to a lot of other people closing theirs and mine accounts and keeping the money. Chime Bank is a fraud and is stealing money from people and ruining peoples lives. This money was due to not being able to work during the pandemic and it being taken from me has made everything much worse I don't have a place to live now as I have not been able to work due to XXXX and money awarded to me by the government was stolen from me.
01/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 945XX
Web
I was charged for video content with a Creator under contract by XXXX. After 9 days and had not received goods paid for in full {$140.00} on XX/XX/2023 in 2 payments. {$80.00} & {$65.00}. When I requested my money back, they refused then immediately locked me out of the account on false accusations, blocking me from access and using extortion intimidation techniques to regain access. I refused to be bullied and requested over 10 times between the Merchant and Chime Bank where I have my account. I have overwhelming proof and refuse to honor a very simple charge back as described in XXXX consumer protection policy which was violated numerous times for HUNDREDS of dollars. XXXX is a dishonest organization as is Chime Bank as they have offered ZERO proof or reasoning for their wrongful denial as I've requested. Their decision came within a few hours... Even before I had the opportunity to submit all the documentation. It's as clear and simple. I paid for goods that were never sent to me or received by me. This is pure Fraud. I'm not even asking for everything I SHOULD get. And neither of these companies are loyal or professional
09/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 75042
Web
On Wednesday XX/XX/XXXX, my car was broken into and my wallet was stollen. 3 unauthorized transactions were done for a total amount {$700.00} by the same merchant. When I noticed they had stollen my wallet, I immediately called Chime to advise them of these unauthorized transactions but they said the transaction had to settle first before anything could be done. I filled a police report to XXXX XXXX the next morning which was XX/XX/XXXX, and contacted Chime with the police report number after the transaction was approved. I began my dispute and provided evidence of the transaction being unauthorized, as they also tried to use my XXXX debit card as well but was declined by XXXX due to fraud. After providing all the evidence i could provide chime sent me an email saying my dispute was not approved and that the transactions were settled. My denial letter did not include anything from Regulation E which states certain information must be included in the denial letters such as terminal location/transaction location, type of transaction ; ( atm, retail pos, online pos ), name of the financial institution that initiated the charge.
09/12/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 91932
Web
As of XX/XX/2020 I could not access my Chime Bank acct. I called their official customer service line. They stated there was a problem with my acct and the ONLY way to fix this was by remote access. I only trusted this because they are bank employees. I was uncomfortable with this whole process but needed access to my acct to pay living expenses. They said XXXX XXXX is part of Chime bank that they would transfer some of the BANK 'S MONEY to cash app and see if my acct would accept transfers and withdrawals. To my horror I watched as they took everything I had {$1200.00} by the time I realized it was MY MONEY they had used it was too late. Have been fighting with both institutions for 4 days to return my money. The last call I got, they said my money would be returned to my acct in 24-48 hrs still no results. The largest amount taken at one time was {$790.00} it was sent from XXXX XXXX to XXXX. That transaction now neither shows on Chime bank records or XXXX XXXX records. I need my money back ASAP it was all I had. I'm a XXXX XXXX who is XXXX yrs old and I work part time to make ends meet. For me this is a financial disaster.
10/29/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OK
  • 74133
Web
On XX/XX/2020, I contacted Chime Bank to dispute the fraudulent charges to my spending account. The were informed earlier regarding my card being stolen and had asked that I complete paperwork totaling 48 pages to submit before I could begin the dispute. I completed all of these pages and began the dispute process. Apx 10 business days later they responded that " no billing error '' had occurred and I would not be receiving any credit for these fraudulent charges. I then filed a rebuttal to this adding the copy of the police report regarding my stolen wallet on XX/XX/2020. On XX/XX/2020 they responded that they had no changed their decision and the fraudulent charges would stand. However, on XX/XX/2020, they found that my dispute was valid on my credit card with them for the fraudulent charges due to the same circumstance and they did credit back all the fraudulent charges to my Chime credit card, yet have not been able to explain why they would do so on that account but not my spending account. I have attached a copy of the bank finding my fraudulent charge claim to be valid for their credit card account I have with them.
11/07/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • OH
  • 44125
Web
XXXX XXXX XXXXXX/XX/XXXX, I have {$4300.00} within my checking account, savings, and credit, majority kept in savings. @ XXXX I was notified {$77.00} was placed in my account, @ XXXX {$62.00} placed, Total balance {$4500.00}. I tried multiple times at ATM to withdraw, review, and obtain access to my account, getting my balance wouldnt even work, I tried logging in the app that wouldnt work and prompt to be contact support.. I spoke to 4 different people for 49minutes, all of them unable to give me any information, track the location of my money or account, give a explanation, just told me I was wrong about my birthday and that I need to email to resolve issue. I sent multiple emails got different answers ; repeated answers, ignored, chats closed on me, lied too, EVEN a response trying to flip the switch that I requested a closure on one, no resolution, no sympathy, pure robbery, told my accounts were closed and I will receive a check if I have a balance even after making it clear all my money is in my accounts and I will be facing eviction many other issues If I dont have it to pay rent etc. No help at all, pure careless.
05/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • TN
  • 377XX
Web
I like many other times, used Chime Bill Pay service to mail a check to make a payment. Like normal I submitted the payment to be mailed, about 2 days later I received an email stating that the payment had been sent. I few weeks had gone buy and I was getting calls from the lender saying that my account was past due. I was like how is this possible, I mailed the check in plenty of time. I contacted Chime to find out what was going on, and first they told me it was never sent, I told them I received an email stating that it was. Oh ok let me look into it further, I heard nothing for 4 days. I contacted Chime again, it was escalated to the dispute team. It's been sitting in the dispute teams hands for over a week with no movement. I endured a late fee from my lender because the payment wasn't received. I'm asking them to return my check amount and also pay the late fee as something obviously went wrong on their side and my payment wasn't sent. I have not received a response in 3 days. I keep contacting and get no where. This is absolutely ridiculous and un-acceptable! Once this is resolved I'm closing my accounts with them!
01/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • AR
  • 718XX
Web
Chime ( who operates with The XXXX Bank ) closed my account with no prior notice and no warning. They gave ABSOLUTELY ZERO explanation for why and never tried to reason with me. They said in an e-mail they would " send out a check within a month '' to my address, but I simply can not wait that long to pay bills as I am a full time college student. The initial email was received on XX/XX/2021. I have reached out to Chime no less than *4 times* to try to get a response from them to see what is going on, but every time I have been responded with " Our team will get back to you shortly. '' I still have not received ANY response from them at all. I am not a wealthy college student, not by a long shot. The {$3000.00} that was in that checking account is something I need to have on hand to buy things like food. Trying to call Chime on the phone, you are met with " We see that we have closed your account. Please e-mail us and we can assist you if you need. Goodbye. '' ( Paraphrasing slightly there ). Chime is making it absolutely impossible for me to make any contact with them, despite there being NO FRAUD IN MY BANK ACCOUNT.
10/22/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • TX
  • 77009
Web
Chime : A checking account was fraudulently opened in my name with Chime banking. I reported this fraudulent activity on XX/XX/2020 and spoke to a Chime representative and was told I would be contacted within 2 hours by phone call. I was never called. I am again asking for this account to be closed and investigated for identity theft. The Chime support team has informed me that they can not close this account unless I send them body shots of myself holding my government issued identification within 3 days. Not only is this inappropriate, harassment, and incredibly disturbing, it fails to provide me with the consumer protection I am legally entitled to. I refuse to be further victimized by your institution and am asking one last time for this account to be permanently closed and my information removed from your agency. I will gladly provide a notarized government form to prove my identity which, as a financial institution, is all you should need to close the account. Chime clearly allowed a criminal to open an account in my name without the very ludicrous identity verification protocols that they are now demanding from me.
04/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • GA
  • 30066
Web
My daughter had just sent me some money on Chime app and I was logged out of my account so I go on XXXX and look up technical support with Chime and apparently It was the wrong number they was acting like they were techno support So they asked me for a number out of my phone and they got into my phone and start controlling my account to get the password once we got to the password they put in their own password at that point I realized something was going wrong And then a email was sent on pay a friand or pay anyone Once I feel like some suspicious is going on I immediately hung up and they was continually calling me back while my money was yet still in the account I call the real Chime number to ask them how can I close my account and to let them know someone was in my account trying to hack it before the money even left my account After a while I realized a {$1100.00} was withdrawn out of my account and my password was change I changed my email to the account and password It was the only thing that I could do Chime said password was changed again I put in the claim and maybe a hour later the Claim Had denied The claim.
12/11/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 85338
Web
I received my unemployment deposit with back pay for XXXX $ to my chime account. Once it was received I was able to withdraw XXXX $ and after that I tried to pay a bill and it was declined, called chime and was told my account was suspended for suspicious activity, basically the unemployment deposit was suspicious because of the amount even though I had received at least 8 deposits in the past from same place and never has a issue. I called them and they asked me to verify my identity and to verify I was entitled to unemployment benefits, I sent them everything they asked for, after a few days they sent me a email telling me my account has been closed And I'm not eligible for a refund, due to violating there user agreement policy. Now I can't get ahold of no one and they tell me it's email only for that department, I've sent emails a bunch of times and they don't respond, if you XXXX reviews about Chime bank there is 100s of people that they have done this to, it can't be a coincidence that people with exact situation gets there money stolen from them, please help me and help anyone else so this doesn't happen to anyone!
11/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 15216
Web
On XX/XX/XXXX a person claiming to be a representative from chime ( chime is my online bank ) stated there was fraudulent activity on my account. He already had all of my info, my full name, my address, my email, my phone number and my pin number and my login details. He then proceeded to tell tell me that he was going to send me a temporary password and then i would have to provide him with the password to make sure it was correct which I did and as soon as I did the line disconnected and when I tried to call back it kept going to voicemail. On the following day I received an email stating XXXX $ was transferred out of my account WITHOUT my authorization. And I called Chime and I spoke to a representative and the rep. saw the person who talked to me the day before MADE notes on my account. And ever since I made appeals and kept getting denied saying it was my fault and there was no Error and I provided Chime with more than enough info than needed to the point that the Fraud 's department supervisor was also surprised that I've been getting denied 4 times in a row when it was fraudulent activity and also identify theft.
10/31/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 43213
Web
On XX/XX/XXXX I ordered from XXXX {$42.00} worth of products. They claim that they ship products within a week 's period of time so I gave them a whole week before reaching out to them with no status update on my package. Approximately XX/XX/XXXX or XXXX I decided to reach out to Chime which is how I paid for my items to dispute this purchase and request a refund but they have denied my dispute XXXX times thus far when I provided them proof that I never received my products nor my refund of {$42.00}. They originally claimed they were a bank and now they are saying they are a financial institution but either way they take too long to investigate disputes and they do not look at documented facts of a legitimate request of a refund that I rightfully deserve from the merchant. I am currently without any products that were canceled due to the dispute and I have not received my money back from the merchant nor this supposed financial institution that has been called a bank to get people to use their services with a checking account a savings account and a routing number that coexist with this so-called financial institution.
10/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NC
  • 28078
Web
I made a transfer on XX/XX/XXXX from my XXXX account into my chime account. The transfer was for {$180.00}, XXXX was suppose to instantly transfer this money yet the funds was not showing in my balance. I contacted chime & spoke with a supervisor who confirmed my balance wasnt correct & that XXXX initiated my transfer as a refund, so it wouldnt show in my chime account until XXXX business days later. From XX/XX/XXXX to XX/XX/XXXX Ive checked my chime account balance to see if my refund was returned & it wasnt so i reached out to chime today who told me the refund was sent to my account XX/XX/XXXX. I also reached out to XXXX who said they can confirm chime received the funds, but yet my balance is still wrong. Chime is trying to tell me Ive already received my refund and spent it due to transactions i made after making this transfer which is incorrect again. Ive researched to see who else has not received money from chime & of course Im not the only one complaining. I read one person had to contact yall and get a lawyer to get his funds back which seems like i have to do as well being that i never received my refund.
11/08/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10001
Web Servicemember
In XXXX of 2023 I placed a deposit for a cosmetic procedure with XXXX. I was told by my physician not to follow through with the procedure because it could result in death/severe injuries. The same day, due to this fact, I requested my refundable deposit back to my CHIME Visa Credit Account which was drawn from my CHIME Checking Account. XXXX refused to refund my account and I later received a call from their corporate office after I made complaints on my popular social media platforms. The CHIME VISA Credit dispute was resolved in my favor on XX/XX/2023 with {$1000.00} alleged to be sent back to my CHIME CHECKING ACCOUNT. Chime repeatedly lied and told me the funds were mailed to my address on file and that a password reset link was sent to my email in file so that I could enter my account to access my funds. Thirty emails later as well as countless phone calls to Chime have led to the worst customer service, lies and over all refusing of Chime to allow me to access my hard earned funds. I suspect racial and ethnic discrimination on Chimes part because the service became worse after I sent copies of my photo ID.
07/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • XXXXX
Web
On XXXX I filed a dispute with CHIME BANK for an unauthorized charge in the amount of {$150.00} from an unknown company. My phone was lost/stolen that contains all my personal information not limited to, my name, address, stored card numbers and cvv codes. In less than XXXX hours, I received a final decision from CHIME stating that an investigation had occurred and found " no error. '' That would be virtually impossible! What type of investigation and due diligence occurs in less than XXXX hours and outside of business hours, no less? This company has acted negligently on my behalf. There was no detailed explanation or documentation included that supports their decision/investigation. It seems to me this company just denied the claim without conducting a proper investigation. Upon researching CHIME and their disputes process, this type of negligence seems customary. The lack of proper investigation and supporting documentation is a violation regulation E and against the law. Additionally, I have filed a complaint of the theft with FBI under cybercrimes as I believe this unauthorized transaction occurred electronically.
03/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • IL
  • 60013
Web
On XX/XX/2022, I received a XXXX XXXX. This card listed my first name and full social security number as the username. I called XXXX and had them immediately close the account, as I never opened it, nor would I select a username that exposes my personal information. I then created a fraud alert with one of the credit bureaus. Today, XX/XX/2022 I received a debit card from Chime, so I called and reported it as fraudulent. I was asked to verify my personal information to verify it was my account, so I gave the information, since they had it already, but my email address didn't match. At this point the representative from Chime read me back the email address, which was my first name, followed by my social security XXXX. I am now on the phone with XXXX and I'm going to report that the email address that is made up of my first name and social security number is creating fraudulent accounts in my name. The odd thing is that they would likely get away with it, if it they weren't sending the cards to my actual address. I mean, why would you send the card of a fraudulent account to the person whom you are defrauding.
12/07/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 398XX
Web
Hey, I had a account with chime and I deposited a XXXX XXXX loan from the company XXXX to the chime account because the chime account was approved by the loan company the loan was deposited on XX/XX/2021 for {$35000.00} on XX/XX/2021 they closed the account with {$10000.00} left in the account and said it was being closed due to the deposit of the loan and they wanted me to explain the loan and verify myself and they will send me a refund check in the mail in 30 days if Im verified. So I did receive a check in the mail on XX/XX/2021 with only {$300.00} dollars from the account. I instantly emailed them back and told them I only received {$300.00} and theyre member service team replied saying sorry about the inconvenience we will send you another check in the mail containing the XXXX and we will expedite it in 10 days. Its XX/XX/2021 and I still havent received a tracking number or my refund from chime so I emailed back after the 10 days now they are saying my account is closed due to there internal policy I dont know what to do chime is taking of Advantage of me Im a young man I take care of myself I have bills to pay!
06/18/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • IA
  • 506XX
Web Servicemember
I was just released from prison on XXXX from the Iowa Department of Corrections. I was incarcerated from XX/XX/2020 until then. During that time my economic stimulus payments were deposited into a account I held with Chime Financial , Inc. During my incarceration I sent written correspondence to XXXX XXXX XXXX, XXXX XXXX XXXX CA requesting access to my funds but never got a response. I then was also provided a address of PO Since being released I have come to find out all my account info has been changed and they say that they closed my account. I then was provided a address of XXXX XXXX XXXX, XXXX XXXX, CA which when I wrote the correspondence came back return to sender - unable to forward. After being released I have been getting nothing but a run around from them and they refuse to give me access to my funds. They keep saying to email XXXX, which they just keep saying send pictures holding IDs which I've done several times and even sent them my proof of being incarcerated. I have requested them to call me and they refuse to do so. I need my funds back as I had deaths in the family and we have no money after that.
07/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TN
  • XXXXX
Web
On XX/XX/2021 my debit card was used for 5 unauthorized transactions : 4 transactions for {$100.00} and 1 transaction for {$200.00}. On XX/XX/2021, after the transactions settled, I submitted a written confirmation of error for each transaction via email to XXXX, as outlined within their Deposit Account Agreement. A claim including 4 transactions ( 3 transactions for {$100.00} and 1 transaction for {$200.00} ) was filed XX/XX/2021. On XX/XX/XXXX, I spoke with a Dispute department representative and their Manager. I was advised that because I did not specifically request to initiate a dispute claim within the email previously submitted or via inbound call, a claim was never filed and an investigation never initiated. The Manager was unable to answer straightforwardly answer how a claim was initiated on my behalf on XX/XX/2021 if this was the case. I was also advised that because the 4th transaction for {$100.00} was not included in the claim filed XX/XX/2021, a new and separate claim would need to be filed for this transaction which, again, further extends the timeframe allotted for provisional credit and resolution.
09/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CO
  • 80501
Web
My XXXX XXXX account got hacked that had my chime debit card linked to it and I only used XXXX XXXX to send money to a game I play but other than that I don't use it to send any money to anyone and before I knew that my XXXX XXXX account was hacked and whoever used my card to transfer money to 2 different XXXX XXXX accounts on multiple days that I didn't catch till later on because I don't usually check my account much especially XXXX XXXX until this happened so I disputed it with XXXX XXXX and my chime bank multiple times and told chime I disputed it with XXXX XXXX and rebuttaled my case 5 times at least which one time I rebuttaled that day they made their decision that same day like they didn't investigate anything and this keeps happening they don't seem to care about me or my money I was shorted rent because XXXX XXXX security was compromised and XXXX XXXX even shut down their app for a bit because they were having connection issues and gave screen shots of this information as well to chime my bank and they still refuse to help me or fight for me saying there was no error and so I lost XXXX dollars from this
10/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • DE
  • 19810
Web
I opened an account with chime on XX/XX/2022 about a week after I deposited some funds into the account, the day after when I attempted to log in to the app chime stated my account was suspended due to security reasons. I called everyday for 2 weeks straight they asked me to provide 2 forms of ID as well as 2 proofs of adress I obliged after I did so I stopped receiving emails from chime even automated responses I sparsely called after that maybe once or twice a week in the following months since I'd given up hope. each and every time I called I was told that my case was being " escalated '' I was also told I'd receive an email after each call. save for the initial emails from the 2 weeks i had called I received nothing. I asked for a check or for my funds to be transferred to a separate account they agreed after 2 weeks now I still have received absolutely nothing from chime. Today I sent a complaint with the XXXX I also called XXXX and was transferred to a XXXX XXXX representative that essentially gave me the same XXXX XXXX that I've been receiving from chime all I want is my money back and I have done my part.
09/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • AR
  • 72703
Web
I was looking on XXXX to find my wife a XXXX. I found one for a really good deal and contacted the seller. The seller asked for my number as texting worked best for her. I asked questions about the product and she gave answers. Everything checked out and she was a very nice seemingly trustworthy women. She even created the shipping label and sent me the tracking info before I paid as I expressed that I was worried about it being a scam. I then trusted her enough to send the money via a Chime bank transfer. The seller and I stayed in contact for the next 2 days until she quit responding to me and disconnected the XXXX XXXX number she was using. She had told me that she drop the package off at XXXX on wednesday night but two days passed and the tracking still said they hadn't received the package. It is clear to me now that I have been scammed. I contacted chime to reverse the transfer but because it was bank to bank and it was instant, they could not help me. Dates : money transfer took place on Wednesday, XX/XX/XXXX. Shipping label was created on Wednesday, XX/XX/XXXX. Dispute was filed on Friday, XX/XX/XXXX.
08/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • MD
  • 21044
Web
Chime opened an account under my name using my particulars but did not check my credit report or verify my identify. This meant anyone who had access to my data via a breach could open an account fraudulently. Chime, and its similar competitors, refuse to participate in the XXXX XXXX or even run identities against credit reports. Had it done so, it would have noticed my credit reports were frozen to prevent new accounts from being opened in my name. The phone number and address used are not even associated with me. The only relevant detail was my email, which thankfully a confirmation was sent to me alerting me that an account was opened. Currently, there is no mechanism to prevent this fraud for being perpetrated again since all it takes is for a person to have access to one 's biodata. I asked Chime to place an alert on my name so that another account would not be opened in the same fashion but they could not provide me a guarantee since they do not have a fraud process in place. They also could not guarantee that no transactions were made and no other banks were associated to the fraud account in writing.
04/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • CA
  • 92223
Web Older American, Servicemember
I had a checking account with Chime Financial account number XXXX. I sent a check from Chime account of {$1400.00} to my landlord XXXX XXXX for rent for the month of XXXX. She received the check XXXX XXXX. On XX/XX/XXXX XXXX XXXX said the check bounced. When I sent the check at the end of XXXX Chime deducted the amount Of {$1400.00} from my account. Befor your able to send a check you have to have the Funds in your account and then when you send the check the funds are automatically Taken out of your account. The check went to XXXX XXXX and showed XXXX XXXX said The money was not in her account. I sent a number of Emails to Chime because you cant talk to anyone on the phone. You only can Email or text Chime support. At least XXXX times I Emailed Chime about this check and they never did answer me if the check was Deposited or returned to Chime. So neither Chime or XXXX will say if this check was returned to Chime or deposited to XXXX XXXX account. Right now I am out {$1400.00} And XXXX XXXX is threatening to evict me if I dont give her {$1400.00}. I need to know Weather or not the check was returned to Chime???
04/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 76133
Web
Chime asked me to send documents to show unemployment from Michigan for last year but I wasnt staying in Michigan. They are asking about a lump sum I received from PUA 2020. I sent that letter to state that I currently was eligible for those funds and released it! Chime found it unusual activities and asked to upload documents. I sent everything they asked for, plus utilities, lease, redetermination letter for PUA, my lease and ID. I sent this multiple times for days because they keep sending me to the same emails stating that they have not received it. Ive sent this information to all Chime support, review @ chime, outreach @ chime, used the link they sent me and through their support for requests. They suspended my account when Ive sent all documents. I called customer service and they said they dont see the documents Im uploading on the link but they see the screenshots stating they have received the documents and they will escalate. Then they sent these same emails that they have not received it. Customer agents are limited and very rude!!! They wont fix anything. Im XXXX and need all my money. May you help?
07/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • MI
  • 48314
Web
On XXXX a thief opened an online checking account using my personal information at a company called CHIME bank name is The XXXX Bank. THIS ACCOUNT WAS OPENED WITHOUT VERIFICATION OF IDENTIY. I emailed/called Chime to close down the account and I spoke with an employee named XXXX. I explained to her that I was victim of identity theft, and I did not authorize this account to be opened. I was told it would be shut down that day and I would get an email that day with her full name and confirmation. I did not receive anything from her, and I have great concern because she was given my SS # to verify my identity. Since that date I have requested that the detective handling my identity theft case to be sent important information immediately. I emailed Chime and sent them my police report, FTC report, proof of identity. I spoke with XXXX ( I was given a claim number ) at Chime on XXXX and requested that he expedite getting the information to the detective, he was provided with all important documentation. I have growing concern with this company there seems to something suspicious in the handling of my identity theft.
04/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • DE
  • 199XX
Web
On XX/XX/2023 at XXXX I got a notification from my bank account Chime, that the email address, phone number, and password associated with my online bank account has been changed. Following those changes being made there were four separate unauthorized transactions : 1. XXXX - {$1000.00} transferred to " XXXX XXXX ''. 2. XXXX {$1000.00} transferred to " XXXX XXXX ''. 3. XXXX {$270.00} transferred to " XXXX XXXX XXXX '' 4. 5:XXXX- {$1000.00} transferred to " XXXX XXXX ''. for a total of {$3200.00}. The phone number linked to my account was changed two times : XXXX was changed to ( XXXX ) XXXX XXXX was changed to ( XXXX ) - XXXX XXXX. I called the bank and reported it as fraudulent activity around XXXX when I got off work, they started an investigation and stated that I would receive a credit, which I never received. I got notice on XX/XX/2023 stating that my claim was denied due to not being able to prove that any fraudulent transactions were completed, even though I provided information stating that I never authorized any of my information to be changed, or any of the four transactions to be authorized.
09/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 10038
Web Servicemember
On XX/XX/XXXX I filed a dispute against XXXX XXXX with Chime. I ordered nail products and recieved fake flowers. The transaction amount is {$84.00}. The dispute has been opened and closed XXXX times with the determination that " no error has occurred ''. Chime has not been able to provide me with the full detail supporting documents which I have requested numerous times. I am entitled to receive the documents XXXX business days after opening the dispute. I received the document from chime 2 months later and it was XXXX of the tracking ID showing item was delivered. I have provided XXXX items as supporting documents to XXXX. I have spoken to numerous call center representatives as well as supervisors and had the call disconnected twice by supervisor as I was providing details of the case. I have returned the merchant 's items on XX/XX/23 in which emailed the receipt as well a a screenshot of the tracking showing item was delivered to merchant. I do not believe Chime has conducted an investigation as they are unable to provide detailed supporting documentation which would indicate how the dispute was determined.
08/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • VA
  • 23229
Web
I made a purchase on the XXXX app last year between XXXX XXXX XX/XX/2020 on my Chime Credit Builder Card for {$18.00} but the item ( XXXX XXXX XXXX ) was returned due to the an size issue. I called Chime 's customer service line in XXXX about another issue and the rude customer service agent cancelled my card without my consent. Since the card was closed Chime was supposed to send me a paper check of the returned {$18.00} but it will be a year in XXXX of this year and I have yet to receive my money. I have contacted Chime multiple times since XX/XX/2020 to get my money that is mine. I keep getting the same response that I will receive the check in 8-10 business days via mail. I spend hours on the phone going over the same issue for no results. I know {$18.00} is not a lot but it is my money and Chime has no right to keep it when XXXX has returned my money almost 10 months ago. This is fraud and I do not use Chime anymore due to the lack of trust with my hard earned money. I have sent Chime all the documents requested about the return and Chime has not held up what they are supposed to do by returning my money.
12/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 14850
Web
I experienced a case of credit theft following the vandalism of my friend 's car. The thieves managed to access my Chime account using my stolen card and subsequently changed the PIN. They proceeded to withdraw money from an ATM and even transferred funds from my account to themselves. Although I was able to block one of the transactions and recover my money, Chime has been uncooperative in refunding the remaining unauthorized transactions of {$2500.00}. Despite providing ample documentation and proof, they have consistently denied my claims, often responding with automated messages. Upon researching online, I discovered that many others have fallen victim to similar fraudulent activities by Chime. In fact, there is a group currently pursuing legal action against the company, which I intend to join if my refund is not promptly issued. It is evident that Chime is not adhering to the regulations outlined in Regulation E. Additionally, they have failed to conduct thorough investigations, as evidenced by their swift dismissal of my case within a mere three hours, without considering the clear evidence of fraud.
03/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • MO
  • 63118
Web
on XXXX XXXX mty income taxes and paycheck hit my chime account.. I received a email stating that I won XXXX dollar once I click on the email it link the hacker to my account with the began to change my phone number and email address which completely locked me out my account. I called chime stating that Im locked out my account and my email and phone number was changed. She began to send me a code which I was able to get back in the account then I got locked back out so I had to repeat the process I finally got into my account and changed my email and phone back to what it original was at the beginning. I seen that the hacker made two transfer and two payment one to a XXXX account of XXXXXXXX XXXX XXXX account for XXXX and XXXX They made two payment of XXXX and XXXX to a usps po that was made in XXXX, Ma. Chime refused to pay my money of XXXX back due to they consider they not concerned unauthorized transactions.. Now I don't have a debit card and I cant use my account at all my debit card will not allow me any tracstions. Now they are closing my account as of XX/XX/2023 without give reasonable information..
11/05/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 94521
Web
XX/XX/29 I opened a dispute claim for several charges on my account that we're not mind their policy is 90 days and if they do not hear from the consumer and 90 days that the money automatically gets refunded back to me they have not heard from the consumer it's been well over 90 days and they're still not giving me an answer their solution was to escalate they said the turn time is three business days it's way past the three business days they filed another escalation I've waited another three business days every time I call it's the same story over and over again they are not getting me my money back they are not giving me answers they're not giving me anybody I can talk to I also open another dispute for airline tickets that I paid for that I never received they denied the claim and gave me no explanation as to why it was denied I am owed almost {$6000.00} here I am sick and tired of the games they don't even speak English it's another country that I'm calling and they have no solutions for me no explanations other than they are sorry they will escalate I keep getting told the same thing over and overnight
09/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • OH
  • 454XX
Web Older American
Chime 's Reference # XXXX On XX/XX/2023, I communicated with six individuals, and the issue remains unresolved. Why? On XX/XX/2023 at XXXX XXXX I transferred {$25.00} to XXXX ( XXXX ) XXXX. According to XXXX XXXX she did NOT receive the {$25.00}. However, she sent me {$1.00} and I returned the {$1.00} ; that account was identified as XXXX XXXX The other account involving the {$25.00} is identified as XXXX XXXX. Muliple times I requested proof of the name and telephone number associated with the account where my {$25.00} went. Chime does NOT have an option to cancel a transaction nor do the app provide the name and telephone number associated with accounts as other mobile money apps. All of my efforts have been fruitless, but I refuse to allow Chime and its associates to deny me the documentation needed to substantiate where my money went. Chime refuses to refund my money; and I was informed that the company is legally obligated to provide information regarding this transaction, in an effort to have my money refunded. Please note I will continue to pursue all available resources to receive my {$25.00}.
03/31/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WV
  • 257XX
Web
I have chime bank and I had XXXX transactions totaling XXXX unauthorized from my debit card so I locked the card on the app and called chime member services to report the unauthorized charges and they said my card was compromised and that they was issuing a new one in XXXX to 7 days I received a new card on Tuesday XX/XX/XXXX I called and reported it on Sunday the XXXX they priority ups next day aired my new card and told me that the transactions were pending and I needed to wait until the account settled to make a dispute so I wait until Tuesday the the XXXX they settled I started the dispute against the charges and XXXX hours later they send me a denied email saying no error occurred and that they stand by their decision and consider the matter closed so I called back to talk to the dispute team and they said file a rebuttal so I did and submitted screen shots only to get another email the same as the last saying they stand by their decision so I filed yet another rebuttal and submitted several screenshots and was emailed the same message again so basically they don't want to give me any of the money back
11/17/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NY
  • 100XX
Web
On XX/XX/XXXX, my parents told me a letter for Chime was sent to their apartment in Oregon. It is a debit card activation kit with checking account number and routing number. I have never applied for a Chime account and I live in New York now. I am not sure if it is an identify theft who used my info to open this account or the company opened an account under my name without permissionits unusual that identity theft to open a checking account and send to my old address. I contacted Chime at the same day ( XX/XX/XXXX ) and asked them to close this account via email. They requested me to send my last 4 digits of SSN and image of a government ID. After they received these info from me, they said the account was blocked. But in order to formally close this unauthorized account, they needed me to send the front and back of my ID and a picture that I am holding my ID. I did send that right back but they never get back to me since then. I tried to contact them via phone, via email and social media a couple times on the XX/XX/XXXX and XX/XX/XXXX, but no one get back to me about this issue or reply to my request.
09/12/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • GA
  • 30344
Web
What happened with my bank is this ... In XX/XX/2020, I purchased bunk beds for my children. I received the merchandise and attempted to put it together. When I could no longer by hand, I had my friends husband come by and attempt to put it together with power tools and it still was unable to be assembled. I called the company 3 days after receiving the product and left a voicemail and got no return call. I then began emailing and then got a response. Me and a lady with the bunk bed company wasn't understanding and kept saying she would resend a missing piece of which there was one. I tried to stress to the company and my bank, that it wasn't that, that made me want my money back. If it was just a missing piece, I would've just said send it, but screws were getting stripped trying to be screwed in, and others weren't staying in. This was all attempted with power tools. I disputed the transaction with my financial institution and on both occasions, yet my children are still sleeping on mattresses on the floor. They are making it like it's a buyer 's remorse dispute, when in fact the merchandise is defective.
11/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MI
  • 48911
Web
CHIME BANK XXXX XXXX - Purchased Clothing Online @ XXXX For XXXX Clothing Was Supposed To Arrive By XXXX XXXX XXXX XXXX XXXX Upon Arrival - It Has Now Been Over The Estimated Delivery Date XXXX XXXX Still No Update Or Response Even When I Ordered Expedited Shipping I Gave Them A Little Over A Day To Get Back With Me. Screw It - Decided To Cancel The Goods & Services Not Received. Asked XXXX For A Refund. The Company Stated That Id Have To Return The Items Before Initiating A Full Refund. The Catch - I Cant Return An Item That Has Never Arrived So Therefore How Would I Be Able To Receive The Refund. Dispute - I Took The Time & Disputed With Chime, My Bank Account Now They Say That The Merchant Is Not Responding. Claims Can Take Up To 10-20 Business Days To Resolve. MAX Could Take Up To 90 Days When This Company Has took XXXXXXXX Of My Cash In Less Than 5 Seconds. Follow Up: It Has Now Been Over 8 Business Days & Ive Yet To Hear From Any Chime Rep About My Claim Side Note: Ive Had Claims Take No Longer Than 5 Days. Something Isnt Right. - THANK YOU APPRECIATE ANY HELP.
11/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NV
  • 89103
Web
On XX/XX/XXXX of this year I requested chime to pause my account because I could not find my card and my phone was stolen the night. My XX/XX/XXXX I notified them that I found my card and wanted to reactivate my account. Since then they have told me that they have not been able to help me because they could not verify that I was who I was. It turns out that the person who stole my phone on XX/XX/XXXX had hacked into all of my accounts including my XXXX email and my XXXX online banking app. So when I try to verify myself with chime through passwords and emails that they could not grant me access. They said that if I could verify or prove my existence with a selfie with myself and my ID and my social security number that that would suffice. Since then I have sent many photos of such. They keep telling me that they have a higher than normal ticket volume and they'll get to me when they can. It has been over a month and a half now and there has been no resolution. He has even affected my work and my rent status. To the point now that I almost lost my job and I am now homeless. What am I to do? Please CFPB me.
12/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 19008
Web
I received a notice today around XXXX est that my Chime account was to be closed. No explanation as to why, no explanation as to whom to speak with, nothing beyond an email address. I have money in both my chime spending account and credit-builder account. I have done nothing wrong or dubious in any way. I have been with Chime for a few years and have my work dd set up through them. I have absolutely no recourse, when i emailed them i received this as a response : Our issuer, The XXXX XXXX, provides banking services to many other companies like Chime. They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure. Direct deposits, ACH debits, and recurring debit card payments may be rejected after your account closure date, however, we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX XXXX XXXX
04/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 149XX
Web Servicemember
XX/XX/XXXX {$3600.00} from my XXXX Checking Account. Chime stated that I violated the Deposit Account Agreement max daily limit of {$1000.00} a day or {$30000.00} max limit in a single month. I made a haste decision to transfer it to chime because I was excited to use the credit check and articles and other features it had on the app. The transfer was done on my external account feature on XXXX. I made a call with them for more than a couple of hours since they are open XXXX for customer support. I sent my drivers license, passport, and even my social security card on the secured web link from their email more than 10 times. The only way to receive the final decision of my case is by emailing XXXX or XXXX. On XX/XX/XXXX I was finally denied of a refund back to my XXXX account. It states the same result consecutively from XX/XX/XXXX to XX/XX/XXXX that my bill statement was also never received. I sent it by email and also the secure link more that 5 times. I believe the bank is playing with my money even if I made an honest mistake on transferring the funds over 3 times and a half limit of the daily limit.
06/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 49009
Web
I received a text notification that my chime card was overdrawn on Wednesday XX/XX/XXXX. I knew this was incorrect because i was at an appointment and did not use my card. 5 fraudulent transactions were made at a gas station in a totally different state then what i live in. They were made at a XXXX XXXX XXXX XXXX station in XXXX New York, which i have never been. the transaction amounts are {$47.00}, {$100.00}, {$4.00}, {$100.00}, {$33.00}. The first fraudulent transaction of {$47.00} was made in XXXX NY the same time i was at a gas station near my home in XXXX MI that Wednesday at XXXX. i called chime to notify them of the transaction i did not authorize and they helped me file a dispute when they posted on XX/XX/XXXX. Not even 24 hours after i filled the dispute they denied it. I asked 3 times for a written reasoning why this would be denied since it is clearly fraud. to this day on XX/XX/XXXX i still have not yet received any information. I just called again today and no one was able to provide me explanation. I spoke with a supervisor and his suggestion was to call the merchant in a different state.
04/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MA
  • 020XX
Web
On XXXX XXXX my account was hacked on chime and XXXX XXXX was fraudulently transferred out of my account. I have proof that my account was logged into from another source as well as in a different area from where I reside as well as proof that changes were made to the account after being hacked into including my phone number being removed and replaced from the account. My account was also tried to be hacked into again which also have proof of resulting in a hold on the account that took about 2 weeks to resolve and get reopened. Even after providing this amount of evidence Chime bank ( XXXX XXXX ) has denied my claim multiple times for the funds to be returned to my account. They are also in violation of regulation e as I asked for a determination letter of how my claim was concluded and no information of the location of where the transaction took place, or type of transaction was included in the determination which is a clear violation of the regulation. I am requesting help for the money I lost to fraud to be returned back to my account as this had been a very long, difficult and frustrating process
12/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MT
  • 598XX
Web
At approximately XXXX XXXX XXXX on XX/XX/23, someone hacked into my Chime Bank XXXX XXXX ) account and made a transaction of {$4000.00} ( my entire checking account ) to a business named XXXX. Upon further research, XXXX is a XXXX and XXXX XXXX app. They changed the phone number and email address on the account to their own, which prompted notifications to me, which is how I discovered this was happening the next morning when I woke up around XXXX XXXX MST on XX/XX/23. I immediately called the bank and they verified I was the rightful owner and unlocked the account and changed the phone number and email address back to my own. They attempted to make an XXXX grocery delivery order from an XXXX 's in XXXX XXXX but I was able to call XXXX and explain what happened. They stopped the payment and returned it to me. The phone number the hacker used was XXXX. Now, I have {$0.00} in my checking account and Chime is telling me it could take up to 90 days to investigate and resolve this issue even though this was a security breach on their end. I did not lose or misplace my card, someone hacked into my account.
09/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27610
Web
I received several emails from ChimeXXXX over night stating that my money was being moved. When I checked my account, usually I can login with FaceID but this time I had to enter my credentials, all my money was gone. Someone accessed my account between XXXX, moved my money from savings to my checkings, used a Pay Friends to send money, cancelled that payment and sent the money to another account. I contacted ChimeXXXX and they assured me I would get my money back. After a three hour investigation, it was determined that no error occurred and I would not receive any money back. I contact them again, was told to send proof. What kind of prof would I have to show someone hacked my account? I forwarded the automatic email that I had receive when someone logged into my account from a new device and was told that it would be escalated ( rebuttal ). I called back again to check status and found out out that the information I sent had not been escalated. Now Im being told to wait up to 45 days while they investigate again. No provisional credit or nothing just a. {$62.00} balance and a 45 day waiting period.
06/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 76108
Web
To whom it may concern, On XX/XX/2022 i receive a text alert from my Bank ( Chime ) that a transaction of {$630.00} was processed by XXXX. I did not recognize this company so I immediately logged into my account and saw that the amount was in fact pending. I contacted Chime and informed them that this was an unauthorized transaction and they told me to file a dispute. I filed the dispute once the transaction was no longer pending per their request and they informed me it could take till XXXX for them to complete their investigation. No more than 1 hour later I receive an email from Chime saying they have finished their investigation and there was no error with the transaction and they have closed my case. I asked them to provide me documentations that they used to come to this conclusion and they said they can not do it. I asked them to provide me the IP address that was used to make this transaction and they refused as well. I have now been unable to reach out to Chime and they will not connect me with a supervisor, all they do is tell me to email XXXX and I am getting automated standard response.
08/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • TX
  • 77082
Web
On XXXX my account was closed down. I have banked with CHIME for 4 years. I recently this year decided to do my taxes with chime. Once my refund deposit of XXXX $ was deposited chime froze my account. I went through verification over the next 4 days they wanted me to prove that it was me, and my deposit. I had to upload my 1040, DRIVERS LICENSE, social security card, BIRTH CERTIFICATE, irs transcript, irs acceptance letters and more. I provided all documents that were needed and I got a response from multiple supervisors that they were going to issue my closure check for the remaining balance of my account. I have been getting emails from chime now basically telling me that Im there not sending me back the money I work hard for. Chime has taken money from multiple people I no and I will not accept it and willing to fight for what is mine. They even sent me a email telling me to provide how I made my money in the state it was deposited really trying anything to not give me my money, I proved that to the IRS and showed how that is in fact my money. I am reaching out to legal teams and is ready to fight
06/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TN
  • 38128
Web
During the month of XXXX I noticed some unusual transactions on my chime checking account. I immediately contacted chine and described the issue they told me i could dispute. I proceeded to dispute it like they told me to when a transaction that wasnt made by me done. By this time it made me realize my card was compromised so i cancelled my card and got a new one. Days later when my new card was supposed to come i go a email saying chime closed my account. I did not know why because i had not done nothing. After receiving emails from chime they said my account did not follow the rules of deposits which was false because i was getting weekly deposits from my employer and getting deposits from my school every 3 months. Chime falsely closed my account based off false accusations and wouldnt offer me another suggestion on getting access to my funds totaling up to almost a thousand dollars in my account. I asked for several suggestions such as a expedited check mailed out but they continually told me it would be 30 days which is highly unacceptable given the mistake on closing my account was on their end.
06/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • FL
  • 33067
Web
On XX/XX/XXXX, I applied for a Chime account through the XXXX XXXX bonus points promotion ( please see attached for promotion details ). I met all of the requirements which were : 1 ) Enroll with Chime between XX/XX/XXXX and XX/XX/XXXX 2 ) Download the Chime App 3 ) Make a minimum first deposit of {$100.00} 4 ) Receive your first direct deposit and receive your first paycheck by XX/XX/XXXX I met all of these requirements by XX/XX/XXXX. The promotion stated to allow up to 90 days for Points to be credited. This meant that the points should have posted by XX/XX/XXXX. XXXX website stated : " If you are not credited within 90 days of offer completion, you have 14 days to contact the XXXX Help Center for further investigation. '' I duly complied and I submitted Tickets through XXXX Help Center on XX/XX/XXXX and XX/XX/XXXX and received no responses or a resolution. I provided supporting documents that I met the requirements. Chime is also not willing to confirm with XXXX that the requirements were met so that XXXX can issue the XXXX points as detailed in the promotion ( please see attached documents. )
11/25/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • SC
  • 29650
Web
Chime has frozen my account due to a return of {$2200.00} from XXXX .. they claimed there were no transactions in relation to the returns yet the original payments all came off this account and were returned in the same increments. Original payments - XX/XX/XXXX - {$370.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$1200.00} Upon return of these transactions ( in the same order that they were taken out ) my account was frozen! I have to prove, without access to my account, that these charges are valid even though they VALIDLY sit right in my account transactions history! This is NOT OK. I am without a dime and my XXXX young children will be missing out on their holiday due to the incompetence of Chime/XXXX review of transactions on accounts. I have sent every email that is necessary, had a supervisor verify the original charges, yet am still sitting here having to wait for a 2 to 3 day process of review. I should not have to go through a legal process of review when the initiation of said process was never legally valid to begin with.
11/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • MI
  • 48312
Web
I received an email back on XX/XX/2023 notifying me that an account with Chime was opened and on XX/XX/2023 I received an email letting me know a debit card was being sent. I received the debit card about 7-10 days later. I received a email on XX/XX/2023 asking me to activate my new debit card. I received another email on XX/XX/2023 reminding me to activate my debit card. During this time I did receive the debit card and didnt do anything with it as I had no idea why I was sent the debit card. I didnt think anything of it until I started receiving emails saying money was being transferred to and from the account on XX/XX/2023. I contacted Chime yesterday XX/XX/2023 and spoke with XXXX and she was able to confirm an account was opened in my name. I confirmed I never opened the account. She closed the account and canceled the debit card. She emailed me a confirmation of the account and debit card being closed. I did contact all 3 credit bureaus and froze my credit with them. I didnt notice anything else opened in my name and my actual bank accounts remained untouched. Im just trying to be proactive.
09/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • OH
  • 45429
Web Older American
Called Chime debit Visa customer service after receiving debit Visa card in my name that I never applied for. SPOKE TO GENTLEMAN WHO WOULD NOT GIVE ME ANY INFORMATION AS TO WHY I RECEIVED THIS DEBIT VISA CARD IN MAIL ON THURSDAY XX/XX/2022. I WAS ON THE PHONE WITH HIM AND WAS ASKED TO GIVE HIM THE LAST 4 DIGITS OF MY SOCIAL SECURITY NUMBER AND MY E-MAIL ADDRESS. I TOLD HIM SINCE I HAVE RECEIVED THE DEBIT CARD IN MY NAME, AN ACCOUNT NUMBER, AND EXPERATION DATE, THEY SHOULD ALREADY HAVE THAT INFORMATION. HE EXPLAINED HE WAS NOT AUTHORIZED TO GIVE BACK TO ME ANY INFO WITHOUT MY E-MAIL ADDRESS AS THIS WAS THE ONLY WAY TO RECTIFY THIS PROBLEM. I ASKED FOR HIS SUPERVISOR AND HE SAID HE DID NOT HAVE ONE. I TOLD HIM EVERYONE HAS A SUPERVISOR AND I WANTED TO TALK TO HIM ABOUT THE SITUATION. HE AGAIN SAID HE DID NOT HAVE ONE AND THE ONLY WAY TO INVESTIGATE THIS WAS BY E-MAIL. AFTER SPEAKING WITH HIM 25 MINUTES I FINALLY TOLD HIM THAT HE WOULD BE HEARING FROM ME ANOTHER TIME AND IF I FIND I AM A VICTIM OF IDENTITY THEFT HIS COMPANY WILL BE HELD RESPONSIBLE. THE TOLL FREE NUMBER I USED WAS : XXXX. THANK YOU.
09/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 14211
Web
Some online company called XXXX was used with my debit card but I was not aware of the transaction and this was on XX/XX/XXXX then I filed the dispute with my bank which is Chime. but Chime denied it. they say I didn't have any proof of evidence. I told them that they even took the money while I was on the phone with them to report it. but they say that was not enough evidence. they took over {$3800.00} between XX/XX/XXXX and XX/XX/XXXX but I didn't recognize the transaction before because it was a low amount. but the rebuttal of the claim was denied. and I reached out to XXXX to see if they can help me with the claim. they provided me with more information about the claim. showing that it was not me because the person who was conducting the transaction was located in XXXX, Florida and I live in XXXX, New York. - On XXXX -- > {$3800.00} - On XX/XX/XXXX denied because no proof - On XX/XX/XXXX rebuttal my claim was denied again and provided me with evidence they used to make a decision - On XX/XX/XXXX provided proof from XXXX showing I didn't make the transaction, - On XX/XX/XXXX denied me again.
12/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • SC
  • 29501
Web
On XX/XX/23 I added funds to my account. Later that day, I also received my direct deposit. After I added funds to my account I did not use the card anymore. When I checked my account for my deposit later in the day, I noticed the money I added earlier was gone and only my deposit was left. I realized then my card was not in my possession so I moved the money and filed a dispute on XX/XX/23. The bank denied my dispute on XX/XX/23 saying no error occurred. I requested documentation to show no error occurred to which I only received the intake form where I filed the dispute. I have called several times and spoken to about XXXX agents and XXXX supervisors. They were all helpful and Ive had XXXX rebuttals opened, however my claim is continuously denied when Ive provided evidence. The supervisor I spoke with on XX/XX/23 stated my evidence submitted proves I was not at the locations the unauthorized transactions were made. I am not understanding how they are continuously denying my claim. This is very upsetting that my money is not being refunded and I feel the bank is not taking my concern seriously.
11/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NC
  • 27704
Web
On XX/XX/2022, Chime temporarily suspended my account due to an unpaid transfer from an account ending in XXXX. I was told to provide documentation so that my account be reactivated right away. I had provided the documentations several times and they are still claiming they did not receive anything. I emailed Chime my passport front and back, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an internet bill. I spoke with an alleged supervisor named XXXX for XXXX minutes on XX/XX/XXXX and he stated he got my documents and my account would be unlocked within XXXX hours. Around XXXX on XX/XX/XXXX I got another email saying, XXXX XXXX XXXX After review, unfortunately it appears that no further action can be taken on your account unless the items previously requested can be provided. Please advise if you are able to provide anything additional for review, otherwise we will not be able to take any further action on your account at this time. I already sent the needed documentations and XXXX confirmed Chime received it. This is very frustrating and causing me emotional distress. I need this resolved right away.
08/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • VA
  • 23060
Web
I havent been able to access my account since XX/XX/XXXX I was informed by email by the bank as well as over the phone multiple times that It would only take XXXX hours to have this issue resolved. They have been lying I sent them my ssn card, my ID card, unemployment letter with my address on It. They told me the reason my account It on suspension is because unemployment tried to deposit money into my account that Ive been waiting on for over a year. I lost my job due to Covid and been waiting on the unemployment to send me the benefits they were delayed. An appeal was filed and all. I just feel like this is wrong I have bills I had to pay and was not able to pay ANY of them and now Im about to be put out of my home because I can not pay my rent. My car note no food in the house like Im telling these people they need to stop lying and tell the truth and all they continue to say is XXXX hours. Im the pictures I added the picture that has the email I wrote with the pictures attached are my ssn card is card bank statement with my address aswell as the unemployment letter I was sent about my funds.
06/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 90066
Web
Chime was offering a bonus of XXXX XXXX when sign up for a new account and receive a direct deposit of {XXXX} or higher in XXXX XXXX. On XX/XX/17 I opened a Chime account through XXXX and I completed the direct deposit requirement within 30 days. The activity ID on XXXX for this account opening activity was XXXX. Per the terms, I should have received the bonus within 60 days. However, it has been almost 90 days and I still have not received the XXXX welcome bonus points. I have tried to contact XXXX but they claimed my activity was not tracked properly in browser and they suggested me to reach out to Chime to locate my bonus. I believe the response provided by XXXX is a lie because I indeed got the activity ID which is a proof of such activity. Chime is an amazing virtual bank and I want to keep my relationship with Chime in the future. Can you please coordinate with XXXX and credit the welcome bonus of XXXX XXXX XXXX XXXX XXXX ( equivalent cash value of XXXX XXXX ) into my Chime? My XXXX ID is XXXX, if this helps. Attached is the detailed promotion terms and a copy of my bank statement. Thanks!
11/07/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 76179
Web
Hello, my name is XXXX and I would like some help in getting my money back from Chime. First of all back on XX/XX/XXXX of this year my debit card and my cell phone were stolen. Well they took over {$1000.00} out of my account. I contacted Chime and I sent it every piece of documentation they ask for, police report and everything. they seem to find nothing wrong with the fact that over {$1000.00} was taken out of my account in less than an hour and a half from 8 different locations. After appealing and appealing they still come to the conclusion that I am due no money back because they don't see anything wrong with the transactions. And they never gave me my money back, like are you kidding me?!?!?!? Then about a week or so ago I had some questionable charges on my chime account so while in the process of disputing them chime closes my account. So what now? I'm just excuse my language " XXXX outta luck '' because they decided to close my account and with no reason?!?!? I AM FURIOUS!! THEY CAN NOT DO THIS!! PLEASE HELP ME GET MY MONEY BACK. Sent from XXXX Mail on XXXX Sent from XXXX Mail on XXXX
09/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 190XX
Web
I recently discovered a number of unauthorized charges made using my Chime account. I immediately notified Chime and they canceled my debit card to prevent further fraudulent charges from being made and I also filed a dispute in relation to the charges. There was a total of 8 charges, 5 of which I filed in one dispute and the other 3 I filed individually due to the time that it took for them to switch from lending to posted. The main dispute including the 5 charges was twice denied despite providing Chime with a police report and details of how I believe these charges were ultimately made. Of the other 3 disputes that I filed, 1 is still under investigation and the other 2 have been approved. The circumstances surrounding the charges on all 4 disputes were identical yet the results of each investigation varied. Given the identical circumstances related to each dispute, its hard to understand how such different outcomes were come to. As it stands, the dispute involving 5 of the unauthorized charges totaling {$380.00} remains denied and the other dispute still not approved is under investigation.
02/25/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 321XX
Web
XXXX SUBMITTED ON XX/XX/2021 Ive submitted a complaint before and thought this was going to be settled. The Chime company was supposed to send me a refund now they have reneged on what they said they were going to do. I am reopening this until this gets resolved. I am trying to get my money back from CHIME. The reference number is above. I just want my refund that is owed to me. I cant get hold of a live person all I can do is email them which I have several times. Ive tried to tell their member services that I am supposed to get a refund and I still havent received it. Then they tell me Im not getting one when they admitted their was an error on their part. I want my refund like they said they were going to do. I sent them a copy of the email that I got from consumer financial to show them what their own member services team said that there was an error on CHIMES part and that they would send me a refund. Now Im getting a hard time getting my refund. If they continue on this path of not returning my refund Im hiring an attorney to sue them. I have all the documentation to prove about money.
07/05/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • OK
  • 741XX
Web
On XX/XX/XXXX or XXXX a debit card was delivered to my old address at my parent 's house from Chime. The card is in my maiden name ( XXXX ) and appears to be a real card and not one of those promotional fake cards some companies send out. I have never had business with Chime and did not apply for this account. I am pretty sure it is a case of identity theft and credit fraud. I've tried to contact Chime via their customer service email and have been given the run around about trying to close this account. They are refusing to close the account unless I send them sensitive documents over unsecured email including my driver 's license and a copy of my social security card. They also requested I contact them from " the email address I used to open the account '' ; which would be impossible because I didn't open the account and it is fraud. Every time I email them a different " representative '' responds to my email and gives me a run around. There is no real person that you can talk to on their phone number. I just want this obviously fraudulent account closed and they are making it impossible.
05/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 083XX
Web
On XX/XX/XXXX I received a notice that I was getting an ACH deposit. They did not specify the amount, however I was expecting a refund from State of NJ for the Anchor property tax relief program for the year XXXX. They refused to deposit because I hadnt file this years taxes at the time and could only provide tax returns for prior years including the XXXX year which the payment was for. On XX/XX/XXXX they sent another email stating that they returned my payment. As of today, NJ state anchor program has not received the returned payment and when I called chime they told me that I needed to prove they didnt return the money to NJ state and that if I got an email that said they did then I have to believe it. They only allow contact through email unless its general business. They are basically holding my money hostage. I shouldnt have to provide This years tax returns for a refund from XXXX. I also sent mine and my husbands Identification as well as tax records. I also never get a representative that I can understand clearly, which makes communication very hard. This is extremely frustrating.
01/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • WA
  • 98133
Web
Since XX/XX/XXXX XXXX XXXX XXXX is the last message I have from them updating my email and information I've called with my counselor who's assigned to help me find a therapist for my XXXX as a XXXX being homeless since XXXX I've had my wallet stolen every year if not every other month throughout the years of being homeless since XXXX I still live in a homeless shelter till this day and get robbed. After countless times way before XXXX in the year of XXXX reporting my card stolen I stopped ordering a new one and just decided to close the account around this time they decided that they can send me a card but they can not close my account I have sent them face photos me holding my ID paper saying the date time my name with my face in the picture and still they refuse to close the accounts I've been told I have verified and provided all that's needed and still not had my account closed after explaining that I am a victim of identity theft and that I had to get a new phone number and new email and so on verify the emails that I have contacted them on and still they refuse to close the account
02/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 10598
Web Servicemember
To Whom It May Concern, On XX/XX/XXXX at XXXX, I had an unauthorized transfer of {$2000.00} taken out of my Chime checking account. I have since spoken to Chime customer service representatives six times to date. The third time in speaking on the phone I was told I would be receiving a full refund by Tuesday, XX/XX/XXXX. I then received an email at XXXX on XX/XX/XXXX saying my claim has been closed and no refund will be issued. Three disputes were filed by me, all of which Chime has claimed are closed and no fraud took place. I have the police report for the day my phone was stolen on XX/XX/XXXX, the unauthorized {$2000.00} transfer then followed on the morning of XX/XX/XXXX. This was a fraudulent transfer and Chime has not been helpful or urgent in refunding my money nor investigating my disputes. I would like a full refund and/or a provisional credit of the {$2000.00}. I have since then rebutted the claim 3 more separate times, submitting my robbery depo, police report, detective and officer on the scenes information and the District attorneys information and my claim was still declined
11/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 92126
Web
I have contacted my bank and explained over a dozen times about an unauthorized transaction made on my account however the bank chooses to not do anything about the matter. After submitting two disputes that went no where, I requested for my claim to be escalated to corporate office to which I am told, there is no corporate office and that there is no one my case can be forwarded to other than a floor supervisor who knowledge is on the same level of a call center employee. The fraudulent case was not appropriately or diligently investigated or resolved and in order to find out more information about my case I have to wait for an email which may take 10 days to receive. Furthermore, to submit disputes, it has to be done via email that will be responded to by an auto generated email. Everytime I have spoken with someone, it was because I called them. No one responds to the emails you send. Also, when I call and speak to someone, I am constantly having to explain my issue over again because my previous call was not thoroughly documented. Chime should be shut down for this type of negligence.
04/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33068
Web
My account was hacked on XXXX XXXX XXXX. My bank details were changed, and money was transferred out of {$4000.00}, as well as a temporary card requested in order to make 7 purchases for {$6000.00}. All unauthorized. I contacted Chime asap to request all my details be put back to mine so I can go back into my hacked account that had been wiped out. I changed my password, and put a stop to the temporary card that was used for fraud and in which the transactios were still pending. My debit and credit card were canceled, and new ones were sent out. I was only refunded part of my dispute and am seeking the rest of my unauthorized charges back which is {$6000.00}. I sent all proof Chime needed in order for me to be protected and obtain all my funds back as promised in Chimes website under disputing fraudulent activity, with no resolution still. I filed a report with the consumer financial protection bureau, Federal Bureau of Investigation, police station, Florida dept. Of law enforcement, XXXX, and FTC. I notified the credit Bureaus as well and identity theft. XXXX. I appreciate your help.
10/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • PA
  • 15090
Web
My CHIME account was frozen on XX/XX/2022. I reached out to CHIME support and was told they would need to provide documentation including my ID and a selfie of holding my ID with the date in order to unlock the account. That was provided and I was told that typically my account would be accessible within 48 hours. After a week I reached out and was told that I was provided with incorrect information from CHIME support and that I also needed to provide my passport and a utility bill. That was provided. A week later after not having the account yet unlocked I was told that they had all necessary documentation to unlock the account and that I would need to be patient. That was XX/XX/XXXX. I have reached out to CHIME support via phone, email, and through their XXXX page and have been told that the time period is unusual for this review but there is nothing that they can do. Further I was told that I could not be provided a reason for my account being frozen. I would either like to have access to my funds or I am perfectly fine with closing the account entirely and having my funds provided.
09/12/2023 Yes
  • Prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • GA
  • 30228
Web
I have a prepaid card from chime my account was wipe out of {$4900.00} dollars I explained to them that my account was wipe out and told them some one has wipe out my account they ask me did I authorize anyone to use it and I told them no not at all I told them I clicked on a email that was sent to me about refund of {$19.00} they owe me I told them after I read email my account was wipe out clean they told me they couldn't do a dispute because I gave authorization and I told them no I did not I told them I need that money back in my account soon asap because that's was my XXXX XXXXXXXX XXXX XXXX XXXX money for Social security administration because she's in need of XXXX of course they told me I'm sorry and they couldn't do anything so I done talk to 6 people all day and I screenshot the email to them and told them it came from your institution and they say no and told them that's you all email you sent me so I been disputing all day someone supposed to be helping but no money has been returned yet now I file a complaint with identitytheft.gov and now I'm going to file a police report.
02/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NC
  • 27217
Web Servicemember
The company that took the funds is called XXXX XXXX never heard of them I bank with a chime I got a deposit which was my tax refund sent to my chime account it came through around XXXX on XXXX the XXXXXXXX XXXX I was on my way to the ATM to make a withdrawal as soon as I tried to unblock my card to access my funds my account was logged out of approximately XXXX dollars was taken from me in minutes I've reached out to chime several times all they do is send automated messages saying they have a dispute team working on it in the mean time they have not provided me a credit I'm a single mom with XXXX I also have a XXXX arriving the best answer they gave was they will maybe credit my account by XXXX the XXXX my baby will be here on the XXXX not to mention I'm currently not working due to XXXX and my baby XXXX XXXX XXXX XXXXXXXXXXXX XXXX.I can't continue to wait for my funds I will be homeless soon this is ridiculous making me wait for a credit when clearly my account was hacked chime needs to do better with security and better by their members especially ones that have had chime for years.
01/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 10027
Web
I made a purchase in XXXX via XXXX using my Chime XXXX XXXXr card. Unfortunately I never received the product ( it was sent back to the merchant ), but I was still being charged. XXXX couldn't do anything & the vendor was refusing to refund my money, so I did a dispute with Chime. Even after providing proof that the item was sent back to the merchant, they closed the dispute in the merchant 's favor. Due to this, I closed the card. A few days later, the merchant FINALLY credited the money back, but since the account was closed, it was sitting in " limbo ''. I was told by multiple representatives and even a supervisor that once all final charges hit ( which made no sense because I couldn't spend what wasn't available on the card ), the funds will be sent to me. First, they said it would be transferred to the checking account that I have open, but then I was told it couldn't be. I was later told a refund check would be sent.. and I'm still WAITING. I filed a complaint with the XXXX and Chime went in circles & the XXXX dispute specialist suggested I make a complaint with the CFPB as well.
12/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 085XX
Web Servicemember
On XX/XX/22 I made a purchase online with XXXX 's in the amount of XXXX which was subsequently canceled a short time later by them. Upon receiving the cancelation email I called their customer support and they assured me that the money has already been released for refunding and to contact my bank. When I called my bank they told me that they can see XXXX 's has indeed issued the refund and it would take 3-5 business days to see my money. 5 business days came and went yesterday XX/XX/22, when I noticed I still have not received my money I called my bank back. I was told there is nothing they can do to speed up the process or to honor their prior promises and that I can be rest assured the money would reflect last night. Well now past the promised 5 business day and still no money I called back again, this time I was told yet again that their is nothing they can do to assist me and that now it may take 7 business days for me to receive my funds back in my account. None of the representatives seemed to be compassionate or bothered to look to see what my options were to resolve my matter.
11/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble closing card
  • WI
  • 53095
Web Servicemember
On or about XX/XX/2021, I applied for a Chime account. During the process I received a message that I already have an account and that I should please sign in with your email XXXX That is not an email account I ever created or use. I contacted Chime by email since I couldn't get through to a live person due to there meu system that doesn't allow a non-customer to talk to a person. Several emails were exchanged in some with copies of my XXXX Driver License and Social Security card which they requested. I never heard back from them as to a disposition of the matter. I contacted XXXX Bank who services their accounts and described the problem. They stated they could only access the information regarding this account if I could provide them with the account number. Since I did not open the account and it is not my account, I obviously could not provide them with the account number. So at this point someone has a financial account with Chime and their servicing bank under my Social Security number and presumably my name and there is nothing either Chime or XXXX Bank will do about this.
08/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 19023
Web Servicemember
I bank with Chime. I followed them on instagram where they have a ton of followers. Someone from the page said that Chime is doing a sweepstakes and listed the ways you have to qualify. I did what they asked which was name 2 reason you deserve the {$1000.00}, follow the page and post on my own page. When i didnt that someone directed messaged me saying i won and to verify my account. They sent a link that asked minor questions ( my cash tag, phone number, name? ). Of course i didnt see the money deposited, and just thought it was another scam i dodge to discover 3 days later, on my pay day someone sending themselves money. I contacted chime support and it took them 3 long days to deny my claim. When i asked to speak to a supervisor they informed me there may be no use in speaking to them, set up a call back with a supervisor that suppose to take 4 hours and than ended the conversation before i could get a word out. They also mentioned after this situation on the official site that they would never text you or even talk through another app all their conversation are held through chime.
10/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 11105
Web
On XX/XX/XXXX, chime closed my account suddenly without any notice. I had my salary direct deposit that was suppose to come into my account on XX/XX/XXXX When you call chime, they dont help you and tell you to email them. And so I did. I emailed them and they said during routine security check, they needed to verify my identity. So I did. I submitted my license front and back. My utility bill and my passport. They renabbled my account again the next day. And then, on XX/XX/XXXX chime closed my account again after verification. And I had another paycheck coming in on XX/XX/XXXX. Not only did chime suddenly close my account without any notice. They messed up life to pay rent bills. I also have a XXXX XXXX XXXX. I contacted chime again and they said they closed my account due to internal policies. What on earth did I do? I am a XXXX XXXX XXXX Living paycheck to paycheck. I have a XXXX XXXX XXXX. They said they can not re enable my account. Man, chime messed me up in so many ways financially you have no idea. Im money less and I cant buy food or pay bills. I have no check till next month.
04/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MO
  • 631XX
Web Older American
On XX/XX/2022, I received a text message from ph # XXXX advising that Chime was having sweepstakes and to kindly send Yes to confirm Chime Bonus. I did and was immediately locked out of my account. I contacted Chime immediately at XXXX and worked with a rep to reset my password. It was reset and I used my card. I thought everything was fine, so I transferred {$100.00} to my checking account with Chime from my XXXX XXXX XXXX account as I do every month. When Chime received the payment on XX/XX/XXXX, they immediately locked me out of my account and advised me that I needed to send them my driver 's license, front & back, and a selfie showing me holding my ID and a piece of paper with the date, XX/XX/2022 I sent it. They sent me an email that they needed another pic, with the date written/ not typed on paper with a selfie. I did. They rejected that and told me to take another pic, because it wasn't clear. I tried calling the XXXX number, and someone answered, but just held onto the phone, not speaking. I hung up and contacted them on XXXX. They reached out and asked for the same thing.
05/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 926XX
Web
The pastor who works with kids in bad neighborhoods and sometimes they think my card with Chime theres a free ticket to fun. I have had to replace several cards. Although I have filed my share of disputes legitimate ones Chime has never signed it on my side ever. Their investigation is boilerplate and lacks any sort of substance? I for a long time has battled them and I think and received one temporary credit. Thats neither here nor there whats upsetting is the fact that I filed a dispute Subsequently closed my account for it. Chime guarantees protection under the XXXX symbol and should be sued for the same reason XXXX XXXX XXXX is currently being sued which is touting that XXXX symbol and pretending like theyre a bank only they dont honor the commitment of a bank to protect you 24 seven against fraudulent charges disclosure my account has not gotten in the way of the receipt of the IRS refund my family and I so deserve and I dont think the Chime should be in business anymore and all Ive put nearly {$40000.00} into that bank in the past three months and theyre not very grateful for it
07/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 43204
Web
This is in regard to Chime Bank. On XX/XX/, an individual from XXXX XXXX, FL got access to my Chime account information and made purchases unauthorized by myself. They framed themselves as a Chime worker and even made it so that their caller ID was Chime support 's real number. A few minutes later, the individual made purchases to my account, and when it was noticed that somebody had committed fraud on my account, I filed for a dispute. When filing my first dispute, it was denied due to mistakes being made on the claim. The claim was then filed for rebuttal with the mistakes being corrected. The representative said that the mistakes were corrected, but when denied again, I noticed that the mistakes were not fixed. As of today, I have filed for a rebuttal 4 times and have been denied. I have filed for rebuttal again today and submitted all supporting documents. I have filed a police report and reached out to both merchants and talked with their corporate offices. Even with that evidence, no resolution has been provided. It has now become an inconvenience and terrible customer support.
03/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NV
  • 89166
Web
On XX/XX/XXXX I received a text message that my CHIME BANK ACCOUNT phone number had been changed to a number I do not recognize. I have had CHIME since 2018 and have never, ever changed my information. I spent 45 minutes attempting to get back into my account, which I was able to do with my email address only. Once I was in my account, I saw ALL OF MY FUNDS had been transferred fraudulently to a different CHIME account. ALL OF MY MONEY. I called Chime immediately and filed a dispute. They told me that it can take 45 business days and that I'm eligible for a provisional credit but not for TEN BUSINESS DAYS. This is all the money I have in the world and I am unable to feed my family or pay my bills. They will not do anything beyond this to help me. I have filed a complaint with the XXXX as well as a police report as they can see the EXACT chime account it went into along with the person 's name and ACCURATE information. They dont seem to care that I am an actual person and this will deeply affect my life and my ability to care for my family. I NEED MY MONEY BACK! THIS IS MY LIFE!
09/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MA
  • 018XX
Web
XX/XX/XXXX - XXXX {$300.00} & {$250.00} XXXX XXXX XXXX XXXX XXXX {$83.00} & again for {$280.00}. So i have been having issues with accounts getting hacked into XXXX XXXX and about XXXX other ones so I believe they somehow got back into my account and stole my information again after I made a purchase online, I blocked the transactions over text message which clearly did nothing and has happened in the past as well. I contacted bank support to let them know of the issue and they told me they would forward it to the dispute team which then denied my claim even though I had blocked the transactions and I did not authorize them they still denied my claim they're asking me to provide receipts or invoices when I was not the one who made them and to contact the merchants which I have XXXX of figuring out who they are. I could rebuttal the dispute but they will just deny it again due to the fact that i don't have any other info other than someone stole my information and that I blocked them which they should be able to see I blocked them in the first place but they wont do anything about it.
01/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Filed for bankruptcy
  • GA
  • 30060
Web
Well this month on XX/XX/XXXX of 2023 I was logged out of my chime account because my phone had broke. So from beyond that point this whole month I had been back and forth with the company trying to get my account back because I still have money on my account, anyways I called the company and everytime I call them for my account I have to verify it's my account when I do all the steps it says I have to do it all over again. Chime customer service didn't help with the account I've tried to speaking to someone in command but everytime I do get on a phone call with a supervisor they would tell me I have to redo the steps. I have bills too pay and I know that I have money on my account but it's just the fact that I have money on my account and I don't know if my money is being used or not plus my taxes are coming in and it's sent to my chime account so I would be having a total of $ XXXX {$5000.00} I need help please help me out. Thank you for reading this and helping me out with my problem. P.S. The phone number associated with my account hasn't been in use for approximately 3-6 months
11/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10459
Web
So I contacted Chime regarding an atm issue where funds werent dispersed from an atm. My account says that I have a {$510.00} withdrawal limit but when I went to the atm that wasnt the case and it kept on declining and giving errors. I later on seen that I was being charged with no cash ever being disbursed. Chime promised to give me provisional credit within XXXX hours but instead, representatives filed a fake dispute. I had to speak to XXXX representatives in which one was able to successfully file a dispute. This resulted in time being wasted and Chime customer service refused to give me any more detail even to escalate the case. They even hanged the phone on me a couple of times with rude attitude. Thought I would be given assistance due to financial hardship that I am facing with eviction and medical prescriptions but CHIME customer service have neglected me and hanged up on me in multiple occasions. I dont know if this is a form of racism also playing a part because a representative made a Mockery of my Name. This feels like an act of XXXX and a hatred due to my XXXX XXXX.
07/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 30349
Web
On XX/XX/XXXX of this year, I filed a dispute on a transaction where I was scammed for {$250.00}. I had went to purchase a pair of sneakers from a verified account on XXXX only to be blocked and denied a refund. I informed my Chime about this and also provided picture evidence of all of this. I was told it would take no longer than 90 days to complete a full investigation, which gave me a decision date of XX/XX/XXXX. I waited the full 90 day period, all the while checking in every month to see the status of my complaint. Come XX/XX/XXXX I received no communication and when I called in they said I would have to wait 3 business days to receive a decision. This happened 2 or 3 more times after that. Between the uninformed and redundant support staff and what seems like a very inexperienced investigation team I was denied after showing proof that a scam had been run and I had never received my items. Then in order to appeal they wanted to make me wait 10 more days to receive information they used in the investigation ; as well as up to 30 days more for the investigation to be run again.
03/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OR
  • 97220
Web
On XXXX, I disputed a charge of {$44.00} to Chime. I had ordered from XXXX, and was informed by Chime that my card was declined. I then placed another order with a different card, as I assumed the order placed on my Chime card did not go through, but when I went back to the app, I now had two active orders. XXXX refused to cancel either. I filed a dispute with Chime on XXXX by phone, followed up by emailed documentation. I consistently followed up for several weeks, but eventually closed my Chime account- my bank informed me that Chime was actually lowering my credit because they won't look at credit built on a prepaid card, nor will most banking institutions. On XXXX I followed up, as it had been 270 days since I submitted the dispute. I was told that the dispute had been denied, but was not provided with the documentation for another 5 days. The documentation is undated, and relies entirely upon the response from XXXX. This is a problem because I never claimed the delivery did not show up, what I said is that my card was declined and so the order never should have gone through.
04/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33313
Web
I was shopping with a local merchant who was selling hair. I paid in person for my order to be shipped to me. I was discussing and deciding if and how much money I would spend when the vendor asked to see my phone and paid herself. I still had not decided and she knew what she was doing. She blocked me on all social media and refused to send the money back. I sent the money through XXXX XXXX from my chime checking account. I reached out to both chime and XXXX. Ultimately its chime that started to investigate and they denied me. There were some I transactions for Arline tickets. I disputed the transactions and my dispute was denied the same day it opened. More airline charges were made and I made a dispute and the funds were returned due to fraud. The airline transaction was from the same merchant of the dispute that got denied. Another thing, when I placed the dispute for the airline I was told my card would be closed and replaced but days later someone was still able to used my card to make purchases. I contacted chime about it and they closed my account with no real explanation.
03/27/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 321XX
Web
I ordered a tablet on line through XXXX for around {$94.00}. After waiting over 4 months it arrived but was not what I paid for it was a cheap child 's tablet and it had a locked screen so I couldn't use it if I'd wanted to. I contacted the seller imidiatly but was told to bad no refund. I then opened a dispute with XXXXXXXX XXXXXXXX, after another month or more was denied any recoup. I had said I would return the tablet for a full refund but told no denied. So I then contacted my bank Chime & opened a dispute through them for a charge back but after about 75 days was denied again. Right after chime denied me I received a message from XXXX that they were going to refund the money however since I'd opened a dispute with my bank then the bank would have to request the refund for me. So I again contacted Chime reopens the dispute with the new information so they could request the refund but they again after a month denied me closed the dispute and said that it was over. So I'm stuck with a child 's toy that's useless because it's screen pass code locked and I'm out almost {$100.00}.
03/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 94103
Web
XX/XX/XXXX - XX/XX/XXXX This is over XXXX $ of fraud done on my account {$25000.00} TO BE EXACT Multiple merchants on throughout these transactions Saturday XX/XX/XXXX at XXXX was the last time I used my card from XXXX, I lost access to my chime account after that transaction up until now, my identity was stolen, and after I made my last transaction I NEVER MADE ANY OF THESE TRANSACTIONS FROM XXXX XXXX XX/XX/XXXX NOR DID I AUTHORIZE ANYTHING. I have made numerous attempts to contact chime over the time period and every time I get someone on the line they transfer and Im on a never ending hold EVERY TIME. My account continues to be compromised and they will not do anything about it please help me. Ive also filed a number of police reports. I spoke to someone on the phone when I originally tried to start the claim process and told them I DID NOT HAVE MY CARD & when they sent the dispute form I was rushing to get it done I accidentally crossed out I had my card but immediately sent them an email when I realized what Id done. I did not make not a single one of these transactions shown
09/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • OH
  • 45242
Web
On XXXX XXXXXX/XX/XXXX I received an envelope from Chime with a credit card ready to activated. I checked and no one in my family requested the card so I called the company and asked that they immediately cancel the account and any checking account that might be associated with it. I spoke to two different individuals who asked me to verify last 4 digits of my social, my home address and birthday. They refused to close the account unless I gave them the email address associated with the account. Since I didnt open the account I did not have this information. After requesting to speak with the fraud team and expecting the exact same request for more information I began to get concerned that they were acting in bad faith. I asked them to send a notice to my home address that they closed the account but they refused and said that if I gave them my email they would send it there. I am not sure if the company is fraudulent or if someone stole my PII to open the account but I am very suspicious because my credit is locked and this card does not show up on my credit history with XXXX.
01/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OK
  • 740XX
Web Servicemember
On XX/XX/XXXX my wallet and phone were stolen while in the process of moving. I had to quickly get another phone and reconnect everything on my end. Police wouldnt file a report because I left my car door open willingly. As stated Ive been in the process of moving. On XX/XX/XXXX there was a charge for over XXXX $ on my card from XXXX XXXX. I didnt notice anything and havent checked my statements until recently because I usually get notices through my phone when I have ANY type of transaction. I disputed the charge through chime over the weekend. On the XXXX. They DIDNT even investigate. It took them maybe a few hours and I got a notification that the dispute was closed on XX/XX/XXXX. They said XXXX on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. how? It literally took them no time to investigate anything. I tried Calling and they said I will need to wait another 30 days before I dispute again? So if we get things stolen and have any unauthorized charges we are XXXX? Awesome
07/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95610
Web
Hi I bank with Chime and had fraud occur on my account on XX/XX/XXXX. While I was at work at my bank I work for. Two charges occurred simultaneously one for {$29.00} and one for {$29.00} both for the same fraudulent company at XXXX out of Florida. I have filed my claim with Chime over 5x now have called and spoken with no less than 50 different agents. Spoken with 10 supervisors and also emailed their so called investigations team as well to date I have just called again today XX/XX/XXXX and it has now been over 3 months and still no response or resolution. They have done nothing but give me an absolute runaround. This occurred on my credit builder credit card so no provisional credit is possible yet since its been over 90 days the credit should have been posted back to my account and for some reason it still has not and the claim was closed yet again! and theres no way to get in touch with anyone at investigations at all. Also they claim that since the card wasnt stolen it could not be fraud and I have submitted pictures of the closed credit card on which the fraud occurred.
12/15/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NC
  • 27613
Web
On XX/XX/2020 chime bank closed my account due to a deposit made to my account from the unemployment of Indiana. They gave me no explanation only to email me that my account was closed and I needed to provide documentation on where the funds came from. I emailed a pua reward letter, proof of address, a picture of my id and a picture of my social security card. They are requesting wages from Indiana when this is a pua covid 19 relief case I am only to get a response from chime support through email, they proceeded to tell me I did not have valid documentation. I then requested for chime to send me a refund check because they can not just hold my funds. All the emails say the same they are unable to review my account and give me a resolution. Chime took my unemployment funds during a worldwide pandemic and I am not able to pay my bills and chime is refusing to refund my money. I have proven my identity I have sent in my unemployment reward letter and they are stating it is not valid, I spoke with several supervisors and they all say the same they have never seen anything like this.
08/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MN
  • 553XX
Web
On XX/XX/XXXX, my Chime ( XXXX ) checking account was hacked into and the funds in the account withdrawn without my authorization. When I realized what had happened I immediately called Chime and informed them of this unauthorized access and removal of funds and I also changed the password to my account. The person who accessed the account conducted two transactions which were unauthorized, one in the sum of {$250.00} and another in the sum of {$350.00}. After I changed my password and Chime had reimbursed me the lesser amount, they also went ahead to remove another amount in the sum of {$99.00} those from the account without my permission but Chime reimbursed me this amount as well. The problem is that although both unauthorized charges took place on the same day & within minutes of each other, Chime only decided to reimburse me the smaller amount and refused to reimburse the larger amount. I sent multiple emails and spoke to multiple company reps all to no avail as they declined my repeated requests to reimburse me the entirety of what was illegally removed from my account.
01/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MN
  • 55427
Web
Here it is. XXXX XXXX day I was looking at my XXXX XXXX XXXX when I noticed 4 accounts that I never archived. Notifications were turned off for each thread. When I clicked each thread the only thing in the thread was XXXX XXXX sending out money to accounts that I not only do not recognized, but were clearly fake accounts. The profiles each had under 100 friends and XXXX photos as profile pictures. The total ammount was XXXX XXXX All sent 4 transactions happened in less then 30min. This happened on XX/XX/2022 around XXXX XXXX to XXXX. I vaguely remember getting a suspicious login email as well as I had to change my password. I have reached out to Chime 4 times I've spoken to a supervisor whom was very unhelpful. I gave all the details I've given you here plus more. Each time the dispute was shot down very quickly. This is just wrong. Where is my protection? I am out almost XXXX XXXX This isn't a uncommon theme with Chime bank after doing some digging online. I also have a screen shot from XXXX XXXX XXXX in that log clearly shows that someone gained access to my XXXX account.
08/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • GA
  • 30252
Web Servicemember
I used chime as a starter account and then eventually went and got a regions account but I still use my chime also. After loosing my XXXX card and noticing strange transactions I cut the card off and requested a new one in the mail. Before I could receive my new card I noticed an additional charge to my XXXX account so I moved all of my money from my XXXX to my chime. The next day when trying to log in the I was notified that my account had been locked and I needed to contact support Wich I did. Support asked for numerous documents that I supplied and was told that the reason my account was flagged was because I exceeded the {$1000.00} transfer limit and after reviewing the documents and bank statements that the suspension was being removed off my account and I would receive a code via text within 24 hours that would uplift the hold. The code never came. I have been continuously attempting to get this solved but the chime support team who can handle this is only available by email and asks for the same documents repeatedly but never sending the code or unlocking the account.
07/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • CA
  • 900XX
Web
I have requested that Chime Bank close my checking account, because it was compromised by a hacker, who has constantly changed the email address and phone number to the account and has stolen my funds and made bogus purchases with merchants. The bank has granted by request XX/XX/XXXX and the hacker had it re-opened on XX/XX/XXXX and I immediately reported it. On XX/XX/XXXX, I requested again to close the account and the agent told me I had to wait five business days for it to take place, but has not been done. On XX/XX/XXXX, I made the request again and I have to wait for twenty-four hours for them to get back to me, which they haven't done yet. This bank has been giving me the run-around, since the fradulent activities started on XX/XX/XXXX and I want to distance myself from Chime, because their security protocols XXXX, even though I have been telling them how the hacker has been breaking their security protocols, but nothing has been done about it on their end. I am very disappointed in Chime and I have been their customer since the year XXXX and this is how they treated me.
02/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 92154
Web Servicemember
I, XXXX XXXX XXXX swear that this statement is true and correct. Im a XXXX XXXX and need my money back. I had a total of XXXX unauthorized transactions made from my Chime Checking account that I did not authorize, nor did I authorize another person ( s ) to use my chime bank account nor my debit card. My checking account number is : XXXX. My visa debit card number was : XXXX ( card is canceled ). I still have my canceled visa debit card in my possession. I lost my phone a little over a month ago and have not had access to chimes mobile app. There have been several fraudulent charges that was deducted from my chime checking account that started on XX/XX/XXXX and ended on XX/XX/2023 ( XXXX of those charges is still pending ). I believe that all charges ( purchases ) were made online ( to the best of my knowledge ). I have no idea as to the person ( s ) that made any of these transactions. I did NOT AUTHORIZE any of the transactions that are listed below. Most transactions can from a company called XXXX XXXX. I reported unauthorized transactions to chime but they denied my claim.
09/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IL
  • 60639
Web
On Thursday XX/XX/XXXX I was charged {$130.00} by the XXXX XXXX. I was no where near the XXXX XXXX when the charge took place. I was at home, sleeping, when the charge took place. Ive told them everything. I was laughed at by the police department for filing a report. Ive been repeatedly telling them the same thing. They say since I knew the pin it couldnt have been stolen, but credit transactions still can happen on a debit card. And they tell me to produce receipts. I am like how? If I was home, how would I produce the receipts? How could I have a police report when they didnt want to file? How can someone prove they were home? Do you take a photo of your location every night? I dont. Especially seeing as I live by myself. I asked if the wanted an email from my neighbor, they didnt respond. I need my money back, because it isnt fair how people can steal, and just because they dont want to investigate its gone. They have been specifically rude. I read on the XXXX website they steal money from people all the time. I just want my {$130.00} and to end any partnership with them.
09/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33612
Web Servicemember
I have a account with Chime as authorized signer of account/owner, I have disputed items that were unauthorized and requested refund either to not receive it to only receive partial, I reported unauthorized transactions only to be locked out of my account which was supposedly for only 48 hrs, ended up a week before any access, and same day I gained access account was again placed on hold with out my express written consent, their power of attorney has been revoked, My account is currently still on hold asking for same information provided 3'xs in less then 3 days, this my Final notice : acquiescence means and agreement, My intent is to sue should this go unresolved past the 1 day notice I am giving Fees : XXXX every hour locked out of account XXXX for every currency not replaced that are fdic insured XXXX for any contact unrelated to resolving this matter XXXX for use of my private information without my express written consent XXXX for delay in providing information needed, such as who is signer on account? who has without my consent signed to be power of attorney on account?
10/29/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • KS
  • 66213
Web
Chime bank consistently goes completely down to where we can't access our funds, make payments, transfer funds, or even see our account information. If this was a one off thing it would be different and somewhat understandable. This happens at least once or twice a month now. Having a banking system go completely down like this is unfair and scary and in some circumstances, significant damage to someones life. Imagine having a job interview and your low on gas on the way there. You stop to get gas with the money in your debit card account but you can't access it and become stuck at the gas station and miss the interview. What is happening is not an oops ... sorry, our bad situation. This is serious and needs to be handled by our regulators that we trust. Letting something like this happen over and over again is not only complete mis-mangement on Chime, but also the regulatory agencies that oversee them. FIX IT. No other banks do this constantly. FIX IT. The most recent date this has happened is today XX/XX/20 beginning around XXXX CST. This can't be allowed to keep happening.
08/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 433XX
Web
I opened a credit builder account with Chime Bank. It's your typical secured credit card that you can add money at anytime and use it anytime and they report to the bureau. Well, they aren't helping anybody build any credit. In fact my credit score dropped XXXX points recently because of Chime Bank XXXX XXXX XXXX ) Whatever money you deposit becomes your credit limit according to every other financial institution except for Chime. They think that a balance is good with a checking account its also good for a credit card. All money added to your credit builder is reported as your balance. I added {$530.00} dollars to my card taking my utilization up to 165 % showing that I have a balance of {$530.00} on my Chime Secured Card. I've called and emailed and I get the same response every time. That " when a new card shows up on your report it always puts a ding on your score. '' It's a script and that's their response because they don't understand credit scores in the slightest. Closing the account would also look bad if I were able to. I can't because I have a balance of {$530.00}
07/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • KS
  • 66062
Web
I was just informed today randomly after sending money on XXXX XXXX via my account with Chime, that they have closed my account effective immediately today XX/XX/22. No warning or notice was given, which is very strange and feels like a scam in my book due to my direct deposit hitting as well as me having almost {$900.00} already in the account, and then right after my deposit hits my account you all just close it? And then tell me I have to wait 30 days for MY MONEY THAT I WORKED FOR! I HAVE TO PAH MY BILLS TO WHICH YOU ALL ARE HOLDING MY MONEY AND CAN NOT GOVE ME A REASON AS TO WHY YOU JUST CLOSED MY ACCOUNT! I have seen numerous complaints of the same tactics with this online bank and thought after being a valued customer for the past XXXX years it would never happen to me.! I NEED MY MONEY IMMEDIATELY!!!!! I DONT HAVE TIME TO WAIT FOR 30 DAYS AS I HAVE BILLS AND FOOD TO PURCHASE FOR MYSELF AND MY FAMILY!!! THIS IS RIDICULOUS AND IT NEEDS TO BE RECTIFIED IMMEDIATELY!!! I CAN CARE LESS IF THE ACCOUNT IS CLOSED, BUT I DO CARE THAT I GET MY MONEY TOMORROW! I need it NOW!!!!!
12/31/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NV
  • 89119
Web
Well my account was compromised on Saturday the XXXX I was locked out the account after clicking a fake chime link on XXXX I immediately called chime told them what happened and the so called locked the account I wasnt able to get in but the scam people was they then cleared my account out after crying and calling and telling chime everything they did nothing for days but keep me locked out the email and phone on my account begin to change daily multiple times after I call and have chime put it back to the correct email address and phone number they finally disputed my amount XXXX so its been locked in the account since the XXXX they havent been able to secure the account long enough for me to take my money out so I asked if they can please close the account there is no other way I have pleaded to the to close my account but it has been reopened 4 times after I have closed the account out They keep saying they will mail my money but they cant give me a date because someone keeps reopening the account daily which means Ill never get my savings I had with chime for 2 years now
08/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32506
Web
On XX/XX/2021 my card was stolen. I dropped it out of my pocket and someone picked it up without my knowledge until later on the next day. On XX/XX/2021 my card was used fraudulently at XXXX XXXX XXXX for a purchase of {$500.00}. I immediately turned off transactions when I realized my card had been stolen. I contacted Chime that day and informed them of what had occurred. They informed me that there was nothing that could be done until the transaction finished pending. I attempted to contact XXXX XXXX XXXX directly but they stated there was nothing they could do. As soon as Wednesday of that same week, the transaction had finished pending and I was able to file a dispute for transaction. I submitted all requested paperwork and information to file the dispute. I was told to wait 10 business days and that's when a decision would be reached about a provisional credit. On XX/XX/2021 I was sent an email stating that there was nothing that could be done and their investigation found no error had been made. After this experience, I will no longer be using Chime as my bank period.
05/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • OR
  • 97217
Web
On XX/XX/XXXX Chime closed my checking, savings, and credit builder accounts without notice or my authorization. I havent had access to my accounts or the money in them since. I called Chime customer support on XX/XX/XXXX shortly after it happened and couldnt get through to anyone. I sent emails to both XXXX and XXXX and have received no information on why my accounts were closed and how long it will take me to regain access to my money. I called Chime again on XX/XX/XXXX and got ahold of a Chime representative who instructed me to email two forms of ID and a bank statement from my other bank to XXXX which I did the same day. Chime has not gotten back to me with a case number or to let me know theyre looking into why Im locked out of my accounts or anything. There has still been no correspondence from Chime. This morning XX/XX/XXXX I sent XXXX a follow up email requesting a case number and estimation as to when Ill regain access to my funds. I still have heard nothing back from them. They have a lot of my money locked away from me and Im currently XXXX so its extra scary.
04/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 14304
Web
In XX/XX/XXXX there were two transactions for {$480.00} that should not have been taken from my account. Total being {$960.00}. I filed a dispute immediately .They provisionally credited my account a month later which is far past dispute resolution timing in XX/XX/XXXX for only half of the amount but sent an email saying the provisionally credited my account the {$960.00}. I inquired on this many times. Got slim to no real response on this. Finally On XX/XX/XXXX they stated they were going to investigate this and get back to me. On my fifth they reversed the provisional credit. I filed a rebuttal and asked for documentation on their decision. They sent me redacted photos of basically nothing and also transactions from a persons account that is not even mine. I have asked about this time and time again. Reached out again end of XX/XX/XXXX. They told me to file a rebutal with them. Before i could do so, they closed my accounts, leaving me with a negative balance and no way to access my accounts, and my secured card now closed on my credit report which made my score go down.
03/23/2022 Yes
  • Credit card or prepaid card
  • Payroll card
  • Problem getting a card or closing an account
  • Trouble closing card
  • MD
  • 20708
Web Servicemember
On XX/XX/XXXX, I received a XXXX Form 1099-INT from The XXXX XXXX XXXX informing me of interest income. On XX/XX/XXXX, I contacted the bank and spoke to a representative call XXXX. XXXX informed me that the account number listed on the form is associated with Chime XXXX Debit Card, and provided me with their number ( XXXX ). I contacted Chime and spoke to a representative named XXXX. XXXX was unable to verify my information for account access because the Subject is using a different email address and phone number, but used all of my information, including my social security number to open the account. I asked to be transferred to their fraud department, but was told they didnt have one. I asked to speak with his supervisor, but was placed on hold and no one ever picked up. I tried calling back and a recording informed me to contact the company at XXXX. I emailed the company and is currently waiting on a response. I requested the account be closed, the matter investigated and reported to the appropriate authorities. Thank you for your time and consideration. XXXX XXXX
01/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 78660
Web
On XX/XX/XXXX I purchased a XXXXXXXX XXXX. Due to the XXXXXXXX XXXX being discontinued, I was issued a refund of {$100.00} on XX/XX/XXXX to my Chime bank card ending in XXXX. The refund was issued to XXXX, who then sent it to my bank. The account associated with the card ending in XXXX is still active, but the card itself is inactive. I contacted XXXX to try to trace the payment, as I had never received it, and they provided a transaction id. I then contacted Chime to trace the payment and have been trying to resolve this with them ever since. They have told me various times that they have no record of the refund or even the original transaction, even though the original purchase is viewable on my Chime portal. I have asked by phone and via email for assistance and have been told they will not/can not assist. Additional background : Another refund from XXXX for {$19.00} was sent in XX/XX/XXXX, and that went through with absolutely no issue ( for the same card ). The attached email is one of many, I have been pleading with Chime to find this refund for over a month.
01/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 954XX
Web
I deposited a {$50.00} check on XX/XX/XXXX, and the funds were not available until XX/XX/XXXX at XXXX XXXX. I spoke with an agent and he assured me that I would not have such a long wait time the next time I deposited a similar check. XX/XX/XXXX, I deposited a {$100.00} check from the same party as the previous {$50.00} check. The funds are not available and will not be available until XX/XX/XXXX. According to the " Check Clearing for the 21st Century Act '' all checks are considered " local checks '' and has enabled electronic checks rather than paper form to comply with Regulation CC Availability of Funds and Collection of Checks, the Expedited Funds Availability Act and the " Check Clearing for the 21st Century Act '' According to " Reg CC '' any check deposited that is under {$200.00} will be available the same day, Larger amounts will be available by next business day. The two checks I deposited are both under the threshold of {$200.00}. This is a clear violation of federal regulations and causes financial distress on myself and any others that use check deposits.
07/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19320
Web
On XX/XX/2021 XXXX Limited $ XXXX $ XXXX {$670.00} I filed a Dispute With Chime Banks Dispute Dept. , Was Given A Time Frame Of 90XXXX, that they would have a final decision to refund the said amount listed above, it is now 90 days today they still haven't made a decision, nor have they returned my funds, it's been constant game playing for 90 days, now they are saying that have all night to make a decision because they're open XXXX. I asked for a provisional credit since I've waited for so long, I was told that my particular transaction does not qualify for a provisional credit. Then, when I called them again at XXXX XXXX on Untitled ticket XXXX XX/XX/2021, now its at the end of their business day ends at XXXX XXXX on Saturday. At XXXX I Spoke To XXXX manager on duty Chime employee ID XXXX, Who is now saying that My Claim Was Actually Supposed To Have A Decision on XX/XX/2021, instead of XX/XX/2021, she has to now escalate it to the investigations dept. to, make the final decision, and someone will reach out to me within 3 business days After I already waited 90 days.
03/24/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 94102
Web
On Tuesday XX/XX/XXXX, I was alerted that my Chime Bank Account was being hacked. I called Chime customer service to alert them that it wasnt me. The hacked had accessed my acct. changed my email and phone. The representative help me regain my account access and i assumed XXXX was fine. with a hour later i got more alerts about my account I called chime again and. We went through the process of regaining my account access but this time the person was able to take all the money out of my checking and savings account. Totaling $ XXXXall in five minutes. Also all while I was on the phone with the Chime representative. Today my account was hacked again no money was taken because it was all taken on tuesday. I called Chime to see what the status of my funds being returned and they told me it could take up to 90 days. I have bills that can t go unpaid until then. Im confused on what type of investigation that need to make that would take that long. I need help! I also wish to prevent this from happening to another innocent person who is just trying to make ends meet as I am.
12/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 488XX
Web
I was on line entertainment XXXX XXXX I used my chime debit credit card this whole time on XX/XX/2022 I did XXXX deposits that day XXXX and when I was done playing I withdraw approximately XXXX well XXXX wouldnt withdraw my money they said they wanted copys of three different debit cards 2 of them I havent had or used in months I no longer had them I sent them the card I used on there last few times playing my chime card and they wouldnt release my withdraw so I called chime to dispute the charges I used that day XX/XX/2022 I had to wait til charges cleared they said so I called back days later dispute them all then I got a message all but one they disputed I called back several times disputed them all for goods and services appealed it but only one charge for a XXXX XXXX got charged back so then XXXX locked me out of account which XXXX wouldnt withdraw my XXXX bucks which was my goods and service I would dispute all my charges that day cuz I didnt get my goods or service but they had my money so chime didnt do nothing but charge back XXXX XXXX XXXX of XXXX that day
04/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60901
Web Servicemember
I am a small business owner and I opened an account on Chime in order to receive payments from my clients. I received the first payment on approximately XXXX and transferred the funds to my personal checking account. Chime then sent me a debit card in the mail ( XXXX XXXX ) which I did not want, since I had no interest in a checking account with them, so I disposed of the card. Then when I received another payment ( XXXX XX/XX/28 ) I was told by Chime that I could not access the money that was sent to me without first activating the card I disposed of. I had to wait for them to send me a new card, activate it, and then transfer the money into my personal bank account. Chime states on their website that you are able to receive money even if you dont have a Chime account, but this is not the case. I was told by Chime ( XXXX ) that if I cancelled my checking account with them that any future payments that people tried to send to me would be returned to the sender. Again, this contradicts their claim that people can receive money on Chime without having a Chime account.
11/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NJ
  • 08648
Web
I Paid vendor using this card to make an video for my business. And as part of the initial order the Vendor is supposed to send me the sample video and if i dont like the video they will refund the money i paid. But this vendor never sent me the sample video and not sent the full video. I contacted Bank to open dispute and Bank opened dispute and after few days they closed the dispute. When i asked Bank why they closed the dispute they said that vendor said that there is no error. This answer from Bank completely blown me away as the reason i opened dispute is that vendor didnt give me the service.. i did not open dispute saying its fraud ... all i am saying is i paid for this vendor and the vendor didnt fulfill the order and so technically i have to get my Money back. If Bank thinks the vendor provided service they should that proof from Vendor. Instead of asking that they are simply closing dispute. I tried to open dispute again but with futile efforts. Attaching the documents with resolution from Bank on both of these disputes. I am coming here for help.
08/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AL
  • 36608
Web
On XX/XX/, at XXXXXXXX XXXX there was a transaction in the amount of {$510.00} from XXXX. When I woke up and immediately saw the notification of the purchase, I called both XXXX and my bank Chime ( XXXXXXXX XXXX ) around XXXXXXXX XXXX that same day. XXXX said they did not see any transaction in that amount on my and my husband 's accounts and told me to contact my bank and dispute it. So I did and they cancel the card and was sending me a new card in the mail. I sent all of the emails from XXXX customer service reps that states there was no transaction done in their system and I sent emails of pictures of all my transactions in the month of XXXX from both accounts. The bank denied my dispute 8 times saying " no error occurred '' and while I keep dealing with disputing the charge, I received emails up to 4 times from Chime saying my debit card purchase was declined from XXXX in the amount of {$200.00} means someone is still trying to use the card. I'm going back and forth with both XXXX and Chime and I still don't have my money. I'm on my 9th dispute with Chime now.
10/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 32583
Web
I have been since the XXXX of XXXX been trying to get back my funds that were stolen from me. Someone used my stolen phone to access all my accounts and take them over. Chime denied my dispute. However new information has been provided and I expect to get a provisional credit while the investigation goes on. Closing the investigation in one day is not going to work for me. I am protected by federal law and visa along with chime all said they had my back with zero liability so they need to own up to it and help me. The merchant XXXX and XXXX appear to be helping but I still have not gotten my stolen funds back. I have provided an update with all the information I had. I corrected the misinformation that was given by the person who had my phone and also myself also due to the fact I was given misleading information that lead me to not figuring out who it was. Ultimate I told chime to continue with the dispute that I cant figure out whom did it and they just denied me anyways in less the 24 hours. That is not good enough. I want my funds back. Im not liable for this.
11/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 93536
Web
I was supposed to get ( two ) seperate direct deposits on XX/XX/ in the exaact same amount of {$130.00} each deposit for a total of {$270.00}. But I only recieved one direct deposit of {$130.00}. But when I contacted openforce which is the company that pays my financial institution which is chime, they said that both deposits were sent and they provided me with two seperate trace numbers and documents that show they sent it. They told me to contact chimes ACH DEPT and provide them those two numbers. And they were very communicative and professional with the situation the whole time. But chime had not been helpful at all they barely speak English and I was hung up on at least 7 times after about a week of explaining the situation to many of there employees and supervisors its like they got rid of me calling out something. I submitted documents of proof that they sent the deposits to XXXX and spoke to a supervisor for 1 hour and a half and for him to just quickly brush me off the phone. I am owed {$130.00} still from the XXXX XXXX XXXX which I still have not recieved
10/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 10460
Web Servicemember
On XX/XX/2022 my chime account was frozen due to suspicious activities. I emailed Chime and was told to send them my ID and other documents which I did. I also sent proof that I was an authorized user on all external accounts. Since then i have been emailing back and forth with chime and I havent made any progress, I have sent Chime upwards of 30 emails. Every time i email Chime i always get the same generic email response from a different representative, it seems like no one even acknowledges what Ive said in previous emails. I have sent my ID, and proof that i am an authorized user on all external accounts at least 10 times. I also have the same issue whenever I call Chime. Every time i call i am told the issue has been escalated to the higher up department but nothing ever comes from that. I have had my issue escalated more than 10 times. Also when ever I call and ask to speak to the department i have been emailing, I am told Chime fraud department doesnt have a number i can call or be transferred to. It is all done through email, but emailing gets me no where.
11/28/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • KS
  • 67218
Web
I made a purchase from XXXX online using my chime account on XX/XX/XXXX. Part of my order was picked up on XX/XX/XXXX and the rest was cancelled leaving a remaining balance owed to me of {$28.00}. XXXX settled the transaction on XX/XX/XXXX, but instead of Chime returning my funds to me, they input the {$28.00} as a separate transaction from XXXX in my account. Instead of a refund my account now shows XXXX XX/XX/XXXX, XXXX but I did not make any purchases at XXXX on XX/XX/XXXX. Chime now says they take XXXX business days to return the money, even though on their advertisements they claim to never hold money. I would like to report them making fake transactions on accounts in order to hold funds from consumers longer than necessary. I contacted XXXX to verify the funds were released and they contacted chime with me on the phone. The XXXX agent confirmed for the chime agent that they released my money on XX/XX/XXXX, but the chime agent kept saying there was another transaction on the XXXX. The chime agent did not do anything except tell me to wait XXXX business days.
05/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10314
Web
I found the dispute because I had phones fraudulently taken taken out of my account they refused to give them back to me because they were taken by an ATM I have no idea if my card was copied or if my somebody used my card since I have lost it they all hold me responsible because I did not put a freeze on my card prior to making my dispute with them I did not to touch these funds they were taken out in XXXX when I live in XXXX XXXX and I was sitting at home working as a caregiver taking care of my XXXX brother I have put in a police report and youre still holding me responsible they keep telling me to give them new information give new information Ive given them my time cards that I was on the clock and I was at home Ive given them the police report number I have given them history transactions that show I do not do transactions in XXXX I feel like the next thing they want for me is my boy yeah hold me responsible for the tune of {$340.00} on my checking account plus another {$140.00} on a credit card that took place in XXXX to the same company which is chime bank
10/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • DE
  • 19802
Web
On XX/XX/XXXX I was XXXX I was not released until XX/XX/. During this time my account with chime had been compromised. Upon release from prison I contacted chime immediately to notify them of the incident and start a dispute. Since opening the dispute claim Ive been denied 11 times after providing this company with my XXXX XXXX from the courthouse showing my whereabouts during the dates listed above. Ive also provided them with a police report also filed a claim with XXXX and XXXX XXXX. Also they have been provided an update from the police report with an arrest for the fraudulent activity done on my account. I have attempted to resolve this with them multiple times, I have also requested the documents used in the investigation and they have failed to provide me with the facts just a list of the transactions and questions they ask me when I called in to report the issue. I want the dialogue between them and the merchant I also would like photos of the transactions of possible. They have failed to provide this or provide me with data that support their decision.
09/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 16602
Web Servicemember
On XX/XX/XXXX I filed a dispute totaling $ XXXX charges that weren't mine. 3 days later I received an email stating that the dispute was denied and with absolutely no reasoning. I contacted customer service and asked why the claim was denied and the lady couldn't tell me because there was no reasoning provided. Chime claims that they put in a rebuttal for that claim and the very next day I received another email stating that the rebuttal was denied as well with no reasoning! Again today XX/XX/XXXX I received an email stating my card was denied and I didn't know why because I didn't try to use it! I went onto my chime account to see once again the same company drained my chime account! So k contacted customer service again and spoke to someone who claimed she was a supervisor, she told me she filed another rebuttal for the first claim I filed that was {$2200.00} and another claim for the newer charges totaling {$1000.00}! This is twice now my account has been freaking drained and I am left with absolutely no money nor can I get a straight answer from these people.
03/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • OR
  • 974XX
Web
So last month XX/XX/2022 I opened up an account with chime checking and savings account I first deposited {$250.00} on the XXXX and another {$100.00} on the XXXX which gave me {$350.00} they would not let me open the credit building account because I wasn't doing a direct deposit with my full income so I decided that I did not need their services and I wanted to go ahead and transfer the money back to my account that it came from originally and when they close the accounts they tried to send it back to the account through time that was closed and it was denied I called them to see if we could fix it and they told me no because they account that I had opened they got the money from was canceled and I needed to reopen it I talked to my bank and they'd never heard of that account number like I did I never heard of it and they told me my money was stuck in credit limbo when I talk to my bank they told me to call him back and ask for a tracing number they would not provide it for me so I'm out {$350.00} I'm a low income family with my XXXX children thanks a lot chime
06/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • OK
  • 73003
Web
I have a Chime prepaid card. On XX/XX/21 I reloaded my card at XXXX located at XXXX XXXX XXXX, XXXX XXXX, OK. A cashier by the name of XXXX loaded an additional {$300.00} onto my prepaid card. As a result, I did not use the card after noticing the extra funds on my Chime card. I returned to the same XXXX location witihin a few hours of the original load transaction. The XXXX manager debited the extra {$300.00} on my account. I was then told by the store manager that she would also contact Chime to verify the correct amount had been removed. I recorded the managers store transaction of my Chime card via cellphone video. On XX/XX/21 Chime closed my prepaid account via email and I was immediately disallowed access to my online Chime account information. I contacted Chime via email about the cancellation of my account and received a general response on XX/XX/21. Chime indicated I would receive the remaining balance on my prepaid card via check within two weeks. Two weeks have now passed and I have not received the remaining funds on my closed prepaid Chime account.
03/27/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • FL
  • 325XX
Web
On XXXX XXXX I was on my way out of town for vacation and I went to use my chime card and it wouldnt go thru luckily I had a little cash. So when I stopped for food for my daughter it still didnt work so I went to my chime app and I was signed out. So I called chimes customer service number and inquired why I couldnt log in to my account and when I couldnt use my card they said I needed to send in my iD and mail with my address on it. I couldnt understand.Ive had this account for several years. So I sent in the information and I was told it would be resolved in 24-48 hours. Ive been calling every day asking about my money and nobody will help me not even the supervisors and they say theres no one above them no corporate number I cant talk to the support people and they still have my money. Its in my savings account part of chime.so I contacted the XXXX bank and they said they dont have anything to do with chime. I also called XXXX XXXX and they said the same. All my bills are due. Its like Im starting over from scratch waiting to get paid so I can pay my bills.
04/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 32808
Web
My Chime bank account was closed completely after i filed disputes with them because someone fraudulent used my card and identity. After reporting the theft to chime and providing my supporting documents on XX/XX/2023 they closed my account two days later XX/XX/2023 stating I didnt comply with the deposit account agreement. I have been using chime to receive my paycheck every two weeks which was well over {$1000.00} every two weeks, i used the account responsibly and never misused it. Once they closed my account i was informed my account wasnt eligible for a refund, they just stole my hard earned money. I had two deposits being ready to be refunded from my trip and was told by a representative theres nothing they can do. My account was fraudulent used for almost {$4000.00} i did the right thing and reported it and Chime is acting like Im the criminal. I sent them my police report and my Identity Theft report it went ignored completely. And after looking at all the complaints from consumers i think this is racially motivated all these people are XXXX Americans.
06/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • OR
  • 97338
Web
XX/XX/XXXX XXXX $ Transfer to XXXX XXXX XX/XX/XXXX XXXX $ Transfer to XXXXXXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XX/XX/XXXX XXXX $ Transfer to Chime savings XX/XX/XXXX XXXX $ Transfer to XXXX XXXX I have reached out to chime multiple times to dispute these transactions that were made on to the account without my consent and they keep denying the disputes that need to be made. Someone opened up a credit builder card in my name without any authorization, started withdrawing funds from my XXXX XXXX XXXX account, transferred funds from there to the XXXX XXXX card. I made a police report about these fraudulent charges that were made on to the account, they are still denying my request to make the disputes. Chime is now saying that my account is negative because of the fraudulent activity that happened with the account. They have not been helpful at all whatsoever with what happened to me, are not taking my side like any bank should. I hope this situation is resolved soon so I dont have to keep worrying about the money they owe me, negative balance on the account.
07/08/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • TX
  • 78212
Web
I opened my initial account with Chime back in XXXX, and everything was going great until XX/XX/XXXX. I opened a Chime XXXX XXXX account where they provide members with a prepaid credit card funded by the member by moving money from the spending account. Everything was great until Chime decided to trash my credit score with XXXX and XXXX over a disputed charge of {$79.00}. For an entire month they were blaming this all on me, but then at the beginning of XXXX they finally admitted that they made a mistake and were crediting the {$79.00} to my account. The only problem was that I had closed my account, and so I requested a paper check be sent to me in the amount of {$79.00}, and they told me that it can take up to 14 days to process. I never received my check so I reached back out to them on XX/XX/XXXX. They gave me excuses as to why they did not send me my check. Now they are saying that I have to wait another 2-3 weeks before I will get my check, but after finding an article online where they are not giving member 's their money I highly doubt I will get it.
08/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OK
  • 73160
Web
While I was at work on XX/XX/XXXX in XXXX XXXXXXXX, someone used my Chime debit card at a XXXX XXXX XXXX in XXXX, OK. I shut my card down and filed a dispute once Chime would let me, which is when the transaction clears. It was for {$120.00} & it cleared & posted on XX/XX/XXXX. My physical card was always with me and I have never given out my card info or account info to anyone. Chime denied my dispute. I obtained proof from my work, a letter from my supervisor and a copy of my time sheet, that show I was clocked in and at work in XXXX XXXXXXXX when the fraudulent transaction was initiated ( XX/XX/XXXX ). Chime denied my claim again. So then I filed a police report with the XXXX, Oklahoma police dept ( city I live in ) & I called Chime back & provided the Case # from my local police dept. My dispute claim was denied yet again by Chime. I want to formally complain about their fraud protection services & dispute process and how unhelpful they have been in working to help me get back my funds when they were obviously stolen from me. I still need my money back.
08/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • ID
  • 83854
Web
I made in app purchase on my XXXX for 7days of credits that were to be awarded. I never received anything. I contacted the app support and went in circles. I then contacted XXXX to dispute the charges and every single one was denied. I now went to Chime bank to dispute and they say a DECISION will be made by XX/XX/XXXX! I never received any of the charges! I have over {$250.00} that each company refuses to refund! XX/XX/XXXX {$4.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$4.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$33.00} and XX/XX/XXXX {$16.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$38.00} and XX/XX/XXXX {$23.00} and XX/XX/XXXX {$6.00} XX/XX/XXXX {$31.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$27.00} I contacted the app support on XX/XX/XXXX and after for all charges as they were to be a 7 days process. The reward selected would disappear and not show up ever. There are technical issues constantly and the app usually send a message with credits however when I complained at the numerous missing credits they made excuse after excuse and said check keep C
07/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 17408
Web Older American
On XXXX XXXX, I attempted to make a purchase on my debit card from Chime. Since Chime is a financial technology, and not a bank, my checking and savings account were opened by Chime through XXXX XXXX XXXX XXXX XXXX Oklahoma. When I took a look at my account via Chime 's XXXX app,, I noticed that all my finds were depleted, and my account was overdrawn. There were XXXX withdrawal by a XXXX XXXX XXXXXXXX on XX/XX/2023 betweenXXXX XXXX XXXX XXXX XXXX, including overdraft fees of {$190.00} for a grand total of XXXX. I am including documents detailing all transactions that have taken place on the XXXX of XXXX. I did contact Chime Customer Service, and was transferred to a call center XXXX. The only action they have taken so far is issue me a new debit card, and possibly a new checking account. As for the restoration of funds, no promises were made, except for investigation of these transactions after funds have been encumbered. I had to call XXXX companies that I owed money to cancel my payment, due to my funds being depleted by the XXXX withdrawals by XXXX XXXX.
01/28/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • UT
  • 84121
Web
I was locked out of my account with Chime a little after XXXX just before XXXX I had deposited XXXX into my savings for XXXX rent for safe keeping however I have not been able to access my account. I have a number of times called support and talked to a real person each time told they will push it to support and to wait for email with response. No email responses, I have sent prof of address Copies of ID, conformation of deposit and spending, and conformed with customer serves every time I called, yet still can not access account. Do to this I'm now being kicked out of home for inability to pay my rent. For almost 3 months I have been emailing XXXX, XXXX, and calling serves center yet I get no respond and still no access to my funds. Therefor I'm asking the CFPB to please help before things get worse for me and I loss anything more. I have been a costumer with Chime for about 5 years and have never had a problem till now. Seems to be there is no help with Chime and talking to a real person that can only respond with a automated put you off and pass the buck.
12/14/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 433XX
Web
On XX/XX/XXXX someone created a Chime Account in my name as I received a " welcome to Chime '' email and per the email : " In the meantime, were personalizing your Chime XXXX XXXX XXXX and will mail it out in the next few days. Need to make a purchase? You can use your digital cardits in the app under Settings ''. On Mon XX/XX/XXXX a deposit was made to this account for {$1000.00} ; the following day 2 withdrawals were made for {$400.00} and {$100.00} to individuals thru the Chime phone app similar to XXXX. On Tuesday XX/XX/XXXX I received an email from Chime that my phone # regarding this account had been changed to an unfamiliar # at which time I called Chime Support and began working to stop this fraud activity. After proving my identity to Chime I was able to access this account & app ; This account had an old address that I had moved from nearly 2 years ago. The person ( s ) had tried to purchase merchandise during this time but I was able to turn off the " allow transactions '' in the app. This situation is still ongoing as-of today XX/XX/XXXX.
06/29/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 13820
Web
I have a chime credit builder account that is a prepaid card. I have to place money on the account before I can spend said money. The money I place is supposed to act as my credit limit and I am unable to spend more then I have placed. Chime reported in XX/XX/2021 to XXXX that I owe {$180.00} which is impossible due to the fact that if I try to spend more than I have already paid it will decline. After disputing with them and the credit bureau several times I moved all of the money I had left on the card to my other account with them and have not used this card since. They say they report monthly but never updated in XXXX and are still telling me the balance showing on my credit report is correct even though I have been at XXXX since the beginning of XXXX. Due to how they are reporting this, it is negatively affecting my credit score despite the fact that they advertise their card will increase your score exponentially. I would like my credit report updated to reflect the correct balance of XXXX and their practices reviewed for how they report PREPAID cards.
12/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 119XX
Web
Called in to Chime online banking disputes department XX/XX/23 to file a claim for {$120.00}. The funds were taken by XXXX XX/XX/23 and promised a refund by XX/XX/23. Order was cancelled. When I filed the dispute Chime told me I was ineligible for a provisional credit due to Regulation E, which is incorrect information. I told them the dispute was for refund not received and the representative filed incorrectly, which a supervisor I spoke to after confirmed and claims she updated but that wasnt the case.The supervisor then told me I qualified for provisional credit but investigation department telling my reason not covered Regulation E for provisional credit. I told Chime there was a similar pending charge from same merchant on XX/XX/23 and the refund they promised me just went back into my account today. They did not state anywhere in dispute letter that under Regulation E for disputes if resolution not found with in ten days or twenty days theyd provide provisional credit. They are not in compliance with banking regulation for disputes or claims process.
07/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • IL
  • 60623
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX notice from my direct deposit account {$1000.00} was removed from my account..a name showed up saying XXXX XXXX money was sent to her ..I don't know her and she is not on mu contact list... something at the bottom of app page says ..pay anybody. That's how she got XXXX report to dispute on that day the very next day ... investagation was over and they sent a email saying they found no errors and they won't return my money..Note.allow transaction was turned off so how did she get the money..k don't know her.So I open XXXX rebuttals ..each time chime say get a police report I gave to them XXXX and sent to there XXXX which they claim they never got until a supervisor said yes they did get it ... I sent a statement and a police report..one of the supervisors told me they are constantly having theft complaints at Chime ..Dispute t eam told me over and over they can't help me... they don't h Ave verbal communication with the investagation t3am.they don't know if they got the police report..I keep getting .they can't see no errors..
04/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IL
  • 604XX
Web
I was in a car accident on XX/XX/XXXX which left me in a induced coma I was airlifted off the scene and my personal belongings was left behind in my vehicle which my things was stolen and my card was charged {$730.00} when I finally came too in XXXX of XXXX I saw charges and immediately shut my cards off and disputed the items seng over proof and all the issues me a credit then in XXXX they revised it then I disputed again they was supposed to credit me back but did not XXXX of XXXX they took an additional {$730.00} and {$600.00} dollars saying it was I have been disputing this and disputing this nobody at chime reads or listen because I have sent evidence over 256 times and counting they literally stole money from me and refuse to properly help me I just want my money and they are holding my money in my savings they will not let me access it because my checking account is negative and its negative because of them CHIME I have put in over 132 disputes I have spoken to 68 representatives and online chat 681 times and still get they same automated answers
02/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • KY
  • 402XX
Web
I had a horrible problem with chime Bank now what has happened was after opening my account earlier this year I opened it to receive my direct deposit for my pendemic unemployment assistance payments so after opening my account and verifying all of my information I received my card shortly thereafter in the mail and I activated it was also offered to open a credit Builder account and that I was eligible for the spot me to cover me if I overdraft or anything. so I receive my first round of unemployment payments direct deposited into my chime bank account any which included roughly XXXX months worth of back pay which totaled around {$3000.00} and within 24 hours chime Bank had suspended my account and they have denied me access to my money in fact they closed my account and sent me an email stating that my account was not eligible for a refund and they also have limited my being able to contact them or speak to a person any which way I've ever tried to I can not reach them anymore I have no access to the account and they refuse to respond to me any longer.
10/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30052
Web
XXXX My Chime account was hacked and suspended for fraudulent activity in XXXX XXXX I live in the USA and have been to XXXX, bought anything from XXXX or communicated with people from XXXX. They transferred close to {$5000.00} between my checking and a credit card that was created via my account. Literally filed 4 different disputes only to be gaslighted into thinking that it was my fault that someone else hacked my account and got a credit card via my Chime account. After unnecessary back and forth with the customer service reps and sending a number of emails with my face next to a white piece of paper just to prove my identity, they FINALLY agreed with me but could only give me $ XXXX {$5000.00} back. The remainder funds that were stolen were placed on a Chime Credit card and spent entirely. Chime even tried to send me a bill for the fraudulent charges and till this day, still won't give me the rest of my funds ( {$3300.00} ) that were stolen from me. I have all of the documentation if needed as well. This went on until I gave up in XXXX of XXXX.
11/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 19406
Web
Hello Team, I have a checking bank account in bank named Chime. On Friday XXXX early morning at XXXX i got more than 1 emails notifying my useid, pwd, email and phone number for my banking account has been changed. I reported this online fraud to the Chime bank customer care but they were very cool and did not show any eagerness or concern. i was told to wait for all the 3 fraudulent transactions to be completed so they can raise a dispute. The Chime bank locked my account and then restored my account claiming now its safe to use after verifying my identity. The Chime bank also cancelled my current Debit card and sent me a new debit card. after one day again somebody used my account to make a fraudulent transaction but since there was no money in the bank acct the transaction got declined. My identity got stolen and even after the bank claimed they have secured my account again somebody used my account to do a fraudulent transaction. I need help on this identity theft matter since Chime bank is showing very neglible and muted response. ThanksXXXX XXXX
03/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Advertising
  • Changes in terms from what was offered or advertised
  • WV
  • 259XX
Web Older American
I was given an invitation to establish a Chime account with the assurance that once I had deposited {$200.00} the individual that sent me invitation and I would receive {$100.00} each. We spoke to multiple Chime representatives about this. We were instructed to go to the Social Security office and have them redirect {$200.00} to the Chime account. Social Security said they can not split my monthly payments. We called Chime again and were advised to do a bill pay from my banking app. I went to my bank branch and completed the necessary paperwork to send Chime {$200.00}. Now Chime is refusing to honor their advertisements as well as the instructions given by their representatives. I do not want to continue with Chime if we're not going to receive the advertised {$100.00} each. I tried to cancel the Chime account and stop the bill pay, but I find out it will cost me {$36.00} to cancel. This isn't right. We did exactly what Chime instructed us to do. Multiple representatives lied to us on multitude occasions. Please help me and expose Chime for theie lies!
11/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11756
Web Servicemember
On XX/XX/ at XXXX I was charged {$1300.00} from a hotel and another attempted charges of {$900.00}. I contacted Chime and informed them, canceled the card and reached out to the hotel about the situation. There was no reservation with my name and they acknowledged it as fraud immediately. I forwarded the email from the manager at the hotel to Chime where it states to request the charge back and they will approve it. I was informed a few days later from Chime they were waiting on a response from the hotel. I called the hotel and was informed nobody other than myself has contacted them about it. My claim was shortly denied after that. I reopened the dispute sending the email again as well as my timeline from XXXXXXXX XXXX showing me at a bar XXXX XXXX away from the hotel from XXXXXXXX XXXX til XXXX XXXX They are still giving me the same excuse and denied it yet again. I have spent everyday on the phone with Chime and did all the work for them yet get nothing but headache in return. They refuse to even give me credit so I can pay my rent and phone bill.
04/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 91764
Web
I received my direct deposit at XXXX XXXX PST. I awakened this morning and could not access my CHIME account. I tried to use the " forget password '' option and found the phone number it attempted to send the verification code to was an unrecognizable number. I had to go through a verification process using my California Driver 's license to change the number back to access my account. I accessed my CHIME account and found my savings had been transferred to my checking, and all of my funds had been withdrawn in rapid sequential amounts starting at XXXX XXXX PST totaling {$980.00} They are all pending. I contacted CHIME to cancel these pending transactions and return my money. And even after explaining the situation, they would not. They explained that they needed to wait 7-10 days until the transactions were settled or canceled on the merchant 's end, even after showing the illegal access occurred in New York XXXX and that I live in XXXX. I, of course, canceled the card but they will not give me my money back. They will not comply with banking laws.
09/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • CA
  • 92028
Web
Starting XX/XX/XXXX, I began receiving emails from a company called Chime. Up to this point, I had never heard of this company before. I found out that it is an online mobile banking service. The emails sent to me were congratulating me on opening a new account with them ( which I NEVER did ). Today ( XX/XX/XXXX ) I received an email informing me that my " Chime Visa Debit Card '' has been sent to me. The address the card was being sent to was XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This is NOT my address. I have emailed the company several times and have not received a satisfactory response yet. Calling them directly is impossible because they are difficult to reach. I am upset that a 'technology based financial business ' would not have a better system for spotting fraud. I have not lost any money but I am very concerned about what that account is being used for especially when it is in my name. I have filed a report with the FTC and plan on filing a report with the local police. I have since placed fraud alerts with all the credit reporting companies.
04/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • KY
  • 40324
Web Servicemember
On XX/XX/2023 I contacted Chime member services to let them know I needed to file a dispute for unauthorized transactions. I spoke to 4 different member services reps that refused to even initiate the dispute. Finally, the 5th one started the dispute for me, one day later my dispute claim was denied, which should have never happened. On XX/XX/2023, I was assaulted, my debit card, car, and personal belongings were stolen from me. The same morning 10 minutes after the incident happened, I filed a police report. I was XXXX XXXX XXXX to my local hospital due to injuries sustained during the assault. I was in the hospital from XXXX, for one week I was XXXX due to the injuries I sustained. I sent Chime the police report, arrest report, my hospital admission paperwork, and my discharge paperwork from the hospital multiple times. I have records where member services and the dispute department is saying it was my fault I was assaulted and had my stuff taken. I will be presenting all this information to my lawyer since Chime can't seem to take it seriously.
01/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • FL
  • 34747
Web
So on XX/XX/XXXX I call to chime bank because my employer sent me my paycheck to the account ( account and routing number given to me by chime bank on a pdf ) but I never receive the payment I call my employer and they tell me the money came back and gave me a check I call chime explain that to Them and one more time they send a pdf and tell me next my money was gon na get to my account so I send that to my employer and on XX/XX/XXXX my next paycheck was supposed to come but it never arrive till today I call chime on that date and they tell my money should be there by Monday I wait until money but on the mean time I call my employer and they send me a copy on the wired transfer ( I was told by chime they accepted that money ) on that copy it was saying pending and I told them that and they told me to wait until I was complete and never told they didnt work with that kind of transaction the bank that people send me the money it was from XXXX I have XXXX XXXX and they care I got no money and I dont want to do I neeed to eat and they give me my money
06/07/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NJ
  • 08817
Web
My chime account was linked to an external bank XXXX XXXX XXXX the account was closed and XXXX returned partial funds to one account but not the Chime account due to some technical difficulties with Chime I spoke with both institutions about returning funds to chime account XXXX instructed me to tell chime to reclaim funds because the external account wasn't in the same name as chime ( my sister 's account ) wich she has authorized the transfer back I dispute the issue with chime and they don't understand the instructions they keep closing my dispute stating the was no error in the transfer and no money will be returned.. The money can not be returned until they put in a claim to XXXX XXXX XXXX for funds once that is done The bank will return the funds. they keep telling me we don't see any attempt to return funds not understanding that they don't see it cause they have not put in the claim for it to XXXX XXXX XXXX the dispute department at chime will not communicate with me directly so I can explain this to them they just keep closing the dispute
03/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NC
  • 279XX
Web
On XX/XX/2023 I went to the local gas station a XXXX station and purchased XXXX dollars in gas. I used my XXXX pay app to pay for the gas. My XXXX account is connected to this app, and my Chime bank account is connected to the XXXX app to cover any monies that is not in my XXXX account. XXXX put XXXX hold on my card until finished getting gas, which was fine. Once I finished getting gas, the hold was released and the transaction was completed for {$20.00}. On XX/XX/XXXX, at XXXX pm CHIME Bank took {$100.00} out of my account, as a new transaction that is still showing pending, resulting In a negative balance. As a result I am unable to pay for electricity and gas to go to work. I contacted XXXX and XXXX first to confirm they have know knowledge of this transaction for XXXX and that the hold for the gas I purchased on the XXXX had been released amd returned already. I then called CHIME and have got nothing but the runaround and they don't seem to care or understand that have taken money from me in error, that I need to live amd survive. Please help
05/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NM
  • 88310
Web Servicemember
I filed a dispute back in XXXX on my debit card and credit builder card. They denied my claim in 2 days. I reopened my claim they said XX/XX/XXXX I will get my provisional credit. But at XXXX mst they denied my dispute.again at the very last minute. But kept the other dispute open. Spoke with a supervisor. He said sorry they are not doing there job. And I summited everything and my claim should not have been denied especially when I should have gotten my provisional credit. He apologized because I lost a XXXX car all of my property my home my belongings everything. And now I want money for my damages the supervisor in a recorded call agreed with me and said it raies a issue with him so much that he will t a lk to them because this claim should not be denied with all the proof and the only reason why I was denied because the investigator failed to do there job. Now I lost everything. And I want to be compsaited for my losses. Having me wait all day to get my car back {$20000.00} vicheal now I lost it. I want to make them pay me back. For my losses
02/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 36117
Web Servicemember
On XXXX XXXX i sent XXXX to my husband using the XXXX XXXX XXXX using his phone number.After sending the money i ask my husband did he receive the money and his response was no so i immediately filed an dispute with chime. chime open the dispute and then denied and close the dispute. i the. got upset and demanded them to reopen my dispute because my husband did not receive the money however it went to another chime user with the same phone number. i informed chime that that person was t my husband and ask y will they allow two ppl with the same number to open an account. also i wanted to know why didnt they take in security measures by confirming the person before you send your money using the pay anyone service. also i requested the money back from the unknown person the request keep going to my husband. so my question is how can the request come to him but not the payment. i feel chime thats chime are scamming customers and and not protect them. Please investigate this matter be i want and need my XXXX. Chime customer service needs to do better
06/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 95815
Web
On or around XX/XX/2022, Chime bank allowed another account to link up to my account and it stole {$600.00}. Chime refuses to even tell me why my claim is denied! I have never received anything in writing from them telling me anything. I had berm in my account some XXXX minutes earlier and set up a transfer to my other account that was linked at XXXX bank XXXX That should have flagged my funds, right? No they let someone access my account XXXX link a whole account to mine and empty my account out. I was home very sick at this time, had my phone off. As soon as I realized it, I called them freaking out but calmly told them everything. I have also escalated this. Still nothing, no response and no money returned. They have received requests from out of state from me got grocery stores and make up places. I disabled my card but they refuse to give me my money back. I do not know who stole my money! I thought they were supposed to protect my money! They even refused to give me a new checking account number although they know this has been compromised.
02/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 10451
Web
On XX/XX/22 I lost my prepaid debit card. I realized I lost my card when I arrived home and checked for my purse. I immediately checked my Mobile App to shut down my prepaid card and realized that XXXX fraudulent transactions had taken place on my account. ( XXXX & XXXX {$710.00} and {$19.00} ). I then called customer service to report my loss. I was able to block my card and to order a replacement. I was informed that I was unable to file a dispute while the transactions were still pending, although I verified the transactions were fraudulent. I followed procedure and filed a dispute on XX/XX/22 reference # XXXX. On XX/XX/22 within 24 hours I received an email stating my claim was denied. I think this is a travesty. what investigation takes less than 24 hours? This really put me in a bind, my direct deposit for my job is deposited into that account. All my money is now gone. I lost my card and acted quickly in replacing it, I did not have my PIN written down, I followed all the instructions in filing a dispute, but yet I was denied. I Need help.
07/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30046
Web
On XX/XX/XXXX I purchased a brand new XXXX XXXX XXXX XXXX online via XXXX I paid online from my Chime checking account. The total purchase after taxes was {$980.00}. I picked up the phone a few days later. I also purchased the XXXX XXXX protection plan from XXXX XXXX in the event that anything ever went wrong with the phone.Everything was fine. However, aprrox. two weeks later, the phone was stolen from me. I have not had the phone or seen the phone since. I immediately contacted chime and filed a dispute. Although I provided screenshots and proof of where I submitted a police report to them, they denied giving me my money back, claiming there was no error and refuses to pay me back. I have called and argued to no avail. I have also contacted XXXX since the phone is still under warranty, but they want {$250.00} to file a claim for a new device and that's not in my budget right now. I have proof of everything and I can't get a new phone because I saved all the money I had for a very long time to purchase this and now I'm devastated. Please help.
01/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MO
  • 650XX
Web
I became aware of unauthorized transactions against my CHIME Checking Account associated with a VISA Debit Card. These charges were reported to CHIME on XX/XX/2023. CHIME was asked to file a Fraud Case. I verified my identity and I had my old card deactivated. CHIME was sent the Supporting Documents to back my fraud case on XX/XX/2023. CHIME was also called by phone, I requested a member of management of the Disputes Department in which I never was able to speak with management. I have provided more than enough compelling evidence to back my claims. I also feel CHIME has ignored my docs, and my verbal request for management. I want my case reopened, I want this escalated and I want my evidence reviewed again. These charges are from out of the country and appear to be from an online account that was NEVER set up by me nor was the account ever activated and or verified. Funds should have never been taken without Account Verification and or without Identity Verification. Amounts withdrew fraudulently on XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
10/04/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Can't close your account
  • MA
  • 013XX
Web
On Tuesday, XX/XX/XXXX at XXXX XXXX, I received emails that said there was a new log in into my Chime account. I've never had a Chime account. Also at XXXX, I received an email from chime with a PDF attachment about setting up direct deposit. I did not open this attachment. At XXXX I received a " Welcome to Chime '' email. At XXXX I email XXXX because it was the email listed at the end of one of the Welcome email to report an account being opened without my permission. At XXXX, I called the phone number listed at the bottom of the Welcome email to report the account being opened without my permission. The call lasted 4 minutes and 42 seconds. Before hanging up, the representative wanted me to confirm that I've received confirmation of the account closure. I received this email at XXXX. At XXXX, I received an email prompting me to create a Chime password. At XXXX on Tuesday, XX/XX/XXXX, I received yet another Chime email that a person with the initials XXXX sent me {$1.00}. I do not know this person in my personal, professional, or online life.
01/27/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • AL
  • 362XX
Web
XX/XX/XXXX my social security was deposited into my chime account I had moved it from checking to my XXXX XXXX XXXX. I received a XXXX security alert saying someone was changing phone number to my XXXX to take care of securing my account before I could log in they changed email and password which I couldn't recover then locked me out of XXXX which was changed as well I couldn't recover account then I searched for phone number to XXXX and the number XXXX search results gave a phone number I called they answered XXXX support I explained they remotely was in my phone and went to XXXX pay which XXXX was linked to and went to my bank account and transfer money back into checking and then paid themselves from my account.i notified chime and they denied claim said I was apart of it but they never notified me that there was a transaction for XXXX was I trying to pay this person. So right in frt of my eyes it was gone and they won't give it back and I'm afraid it will happen again.. XXXX XXXX XXXX email all cards and no help they made fun of me crying
12/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • TX
  • 75087
Web
I am a victim of Identity Theft, someone opened a Chime Bank account using my information, I notified chime that I was a victim of Fraud. There were several fraudulent charges on this chime bank account, Chime responded from their customer service telling me that by me advising them that I am a victim of identity theft and that there was fraud on the account, they have determined no fraud occurred. They closed the account and put my social security number on suspension and " Violation Lists '' For reporting the fraud to the company. This is abuse of how fraud works, and how to handle fraud. They told me in a second email that they can't allow me to open an account ever there, or allow me to even access their websites or services because " I violated their terms and agreement '' By reporting the fraud. I do not believe that you should be accused nor told you are violating terms because you didn't open an account and told the company you were a victim of fraud. This seems almost abusive of what banks are actually supposed to do for fraud victims.
11/11/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 77063
Web Servicemember
Direct deposits from my employers have always been deposited on Tuesday 's. According to Chime bank the funds are deposited as soon as they are received by employers. My deposit was submitted on the same time of XXXX XXXX on Sunday XX/XX/2020 per my check stub and deposit slip. Chime has multiple users across the country requesting information on why they have not received this weeks deposits with only a general automatic reply as an avail. This company prides itself on 2 day early deposits and financial freedom ... and has had so many downfalls. No 2 day deposits, no financial freedom, and every other week their internal system are down to a point where you may or may not be able to access any of your checking/saving funds for days at a time. Chime either needs to uphold the standards of the many other legitimate and professional financial settings or should be immediately shut down until their CEO as well as their internal system is physically prepared for the magnitude of customers seeking the perks that they are seemingly false advertising.
07/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 90032
Web
initial contact was on XX/XX/2023for case # XXXX and case # XXXX finally after contact with cfpb they responded on XXXX XXXX XXXX gave a vague answer. after recontacting chime bank about an explanation about funds being stolen from my account unauthorized by me they gave me the round around about giving the merchant that visa gives them 30day to respond. these reps do not investigate anything at all they seem to be reading from a rehearse script and are not really aware that unauthorized means unauthorized. " We are still awaiting a response from the merchant. Please feel free to contact Chime Member Services via email at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team '' I get a different answer my money still was stolen and chime plays games with its members. its XX/XX/2023 and nothing has gotten resolved. its been 4 months and nothing the CEO don't care about any consumer. they just like stealing money from hard working consumers..please help..
05/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • XXXXX
Web
Yesterday XX/XX/2023 got this message from Chime Bank " The phone number on your Chime account has been updated to ( XXXX ) XXXX. Please contact XXXX XXXX at ( XXXX ) XXXX if you did NOT request this change. '' Couldn't log in to my Chime acc. Called Chime, agent told me to change password, I did. But all my money gone, everything... {$3000.00}. XXXX made XXXX transactions to XXXX on different names in just an hour Called Chime several times, wrote emails. And all Chime is telling me to wait to see if those transactions " settle '' and then " You will receive a push notification from us to confirm that youd still wish to file the dispute when at least XXXX transaction settles '' and it can go up to 90 days. I didn't authorize these transactions. My account was hacked, Chime bad security didn't protect my money. They even issued temporary card to hacker. My {$3000.00} stolen. all the money I have gone. I need my money, and CHIME is doing nothing about it except telling me to wait and then file dispute while I have {$0.00} in my account...
05/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • SC
  • 299XX
Web
I have advised Chime XXXX times that someone keeps changing my email and phone number thats causing me not able to login Chime asked me to send in my ID in my email address and phone number I did that XXXX times within one day but the situation continues to happen someone keeps changing my email and my phone number then Chime advised me to change my password I change my password over 12 times and the situation still is continue every time I change my password and look into my account my money is gone they have taken {$290.00} out of my account and they have taken {$320.00} out of my account that I work for on my job every time I call Chime they tells me I dont have an account and I advise them that my email and phone number keeps changing and thats why you can not find my account they are taking me through the mail about getting my account straight I shouldnt have to keep sending documents to prove that this is my account when I asked Chime to make knows that my email and phone numbers should not be changed at allThe situation still continue.
04/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NM
  • 87108
Web
At the end of XXXX, 2021, two unauthorized, unidentified charges were made on my Chime bank account. In early XXXX, the moment I saw them I reported them as unauthorized and disputed them. Chime 's customer service stated it verified the charges as accurate and refuses to credit them. I requested documentation that was used to reach their decision. The " documentation '' provided to me was essentially nothing ; they only gave me a document from their own internal system, saying, " POSSESSED CARD AT TIME OF PURCHASE : YES UNAUTHORIZED CARD HOLDER PIN LOCATION : NOWHERE '' They have refused to comment further, despite my many, many repeat attempts to discuss this " document '' with them. The document simply says that it was not a POS transaction ; it was an ACH type of debit transaction made from my account. They are suggesting that the fact that it was an ACH type of charge is proof against my dispute, and that makes no sense. These charges were not authorized whatsoever by me, and I am requesting they be reversed and credited as required.
03/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 48198
Web
I had unauthorized purchases made to my account on Thursday, XX/XX/XXXX. I submitted a dispute to my bank with the amounts of {$120.00} at some online retailer called rosatees.com. There was another charge made to XXXX for {$52.00} as well. Neither one of these charges were made by myself and I dont know what evidence there couldve been to say that it WAS me. Apparently when doing the investigation, both retail sites confirmed that it was an authorized transaction. My card was stolen, and Im not sure how they couldve been authorized charges when I can almost 100 % guarantee that the charges made had none of the same information such as my address, phone number or any other information given to the retailers with the exception of my name and card numbers. I never use XXXX services or even hardly ever make XXXX purchases. I have apple products and dont use anything google related. Ive never even heard of this website called rosatees before either. I can guarantee that someone is using my name to use my money and get away Scott free! Ridiculous.
02/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 440XX
Web Servicemember
XX/XX/XXXX I payed for a hotel stay at inn of the XXXX XXXX. {$160.00} for one night. We ended up having to clean the room ourselves. Just to bathe it took 4 hours of scrubbing with cleaning products I had to purchase cause I couldn't get help from desk. The whole room was ridden with unknown bodily fluids. I have pictures of it all. The hotel offered 50 percent refund which I declined wanting 100 %. Called chime Bank to dispute on XX/XX/XXXX. As per their own policy. In the 10th day if investigating is still happening I would be provided temporary provisional credit. It's now XXXX. N they are just not cooperating and the investigation is still ongoing. I want my money back. I need it. Make them play by the rules please. I've been very patient with them and it seems as if you cfpb are the only ones that make them fall in line. Please do your thing and help me out. Thank you Ps. The photos Are All before we cleaned. There's way more I can provide. It takes so long to upload one at a time. The cupboard looking pic is the shower room ... ..yukk
01/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IL
  • 60510
Web
On XX/XX/XXXX, my XXXX account was compromised and was used to send money to a person in the XXXX XXXX that I do not know. {$240.00} was taken from my Chime Checking account by this person and was an unauthorized transaction. I contacted Chime and XXXX support immediately after this happened. Several attempts at transactions from this person were made for dollar amounts I did not have and my guess is they kept lowering the number until it reached what I had in my account. The transaction with the unauthorized person was done pending and was settled in my Chime account on the XXXX. I sent a report to XXXX and Chime regarding this unauthorized purchase. XXXX stepped aside in the situation to let Chime investigate. As of XX/XX/XXXX, Chime has ruled against me and is not getting me my money back even though it was absolutely not a transaction I authorized. I then filed to appeal the investigation but almost immediately told me the case was settled. I am shocked and appalled that my bank would choose to side with a criminal over a loyal customer.
12/04/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60649
Web
Hey my name is XXXX XXXX and I opened an account with chime online banking my unemployment deposited on XX/XX/2020 on XXXX XXXX,2020 chime online banking randomly suspended my account with out my knowledge I didnt know until I was ready too use my card for a store purchased I called chime online banking customer service and they couldnt give me any information I was told to contact there support team only through email. And once i did contact chime support team they asked for documents too prove it was me and and did so with the best of abilities and I told them Im in a middle of a crisis with my XXXX basically XXXX and I jus need my funds released.it took me two days too get a response only after threatening them with the attorney general and lawyers and chime support responded with an email stating that there jus going too close the account and my would be refunded that was a week ago and I emailed them again asking if and when my funds will be released chime support team responded say they can not give me any details and stop responding
08/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OR
  • 972XX
Web
I had money in my account plus IRS deposits of {$1200.00} and {$5600.00}. I went to prison in XX/XX/XXXX and remained in custody until XX/XX/XXXX. in XXXX of XXXX my federal investigator retrieved my phone and wallet from my federal probation officer, which is when I became aware that my account had been fraudulently used. The investigator contacted chime by email several times and explained the situation, to which they stated they were sorry about the fraudulent activity but needed a power of attourney from her. This wasn't possible at the time. Since me release I have contacted chime and provided all the emails from the investigator along with documents from the sentencing judge stating my incarceration and length aswell as documents from the federal halfway house I am still in and a police report that I could only file once i got out, that states I was a crime victim of fraud. Chime has declined my fraud claim 4 times stating they found no error. There are a total of XXXX transactions amounting to over {$8100.00} according to chime Bank.
08/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unexpected or other fees
  • MI
  • 49504
Web
I been with Chime a few years. I transferred money from my XXXX checking account into my chime account my chime account was locked after the transfers which was 2 transfer of XXXX each which totalled XXXX the account was locked with XXXX in it. The money came from a settlement from a work XXXX which was transferred so I could save some which the judge told me to for additional XXXX treatment and I also added some for travel. Called to fix the issue which I've been giving the run around and asked to send in all these documents to who knows who vital information I did this for 5 days straight the same information was sent to an email address they provided. No communication from chime the coustmer service representative read from a script you can't talk to any up line they give you the same number which everyone reads the same script and can't tell you anything about the investigation nothing. You are unable to see anything in your account because they disable your account online. This company need to be restructured and policies re written.
01/12/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 245XX
Web
Chime is an online banking company. I have made multiple deposits over the last year without issue. On XX/XX/XXXX and XXXX, 2021, Chime made 3 unauthorized withdrawals from my checking account with XXXX XXXX XXXX totalling XXXX, and then suspended my account, so I am unable to access the money they have taken or the money I previously deposited totaling over {$4000.00}. I called and spoke with a manager to understand what happened and he refused to assist me unless I provide a picture of myself holding my driver 's license, a picture of the front and back of my driver 's license, proof of address, documentation verifying the transfers ( which I did not make ) and a written explanation of the origin and intended purpose of cash funds recently made such as my bank statement or check stub. They have given me 3 days to comply or they will cancel my account with all of my money. I feel like I'm being scammed and am not comfortable with providing any further information. I am contacting XXXX XXXX XXXX with regards to the unauthorized withdrawals.
11/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98662
Web
I have over XXXX Unauthorized Transactions from XXXX XXXX. I DO NOT have an active Cash App account. I have checked with Cash App and there are NO transactions made in my name or with my SSN that is registered with their company. I have explained this to CHIME Dispute department but I keep getting passed off like it's not a big deal. I just filed dispute and they already send me a denial letter. This is ridiculous and unfair. This is A LOT of my money that was taken for an account I hardly ever use. I recently had a large sum of money from my retirement deposited that is now gone! I have already started speaking with an attorney over this matter and need to get my money back ASAP! Chime as initial denied my Dispute but I was never provided with specific details or information showing proof I was at fault. This is 100 % NOT my fault and I am willing to fight them until I get my funds back! Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$4300.00}
04/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • SC
  • 29910
Web Servicemember
I disputed 4 foreign transactions with Chime on XX/XX/XXXX. I was informed on XX/XX/XXXX they completed their investigation and determined that no error occurred and that I could submit a rebuttal. I received another notice on XX/XX/XXXX stating again they determined that no error had occurred. I demanded all documentation and information that they used to make a determination in this matter. On XX/XX/XXXX, I received from Chime a document link which purported to contain this information, however they erroneously sent me a password protected file. I now emailed Chimes member services over 10 times and have spoken with them on the telephone twice however there exists no interest to resolve this matter on their end and provide me with this documentation. Emails have been met with nonsensical form letter responses and telephone support has been no help at all. Appears this is a willful violation of Regulation E on the failure to provide within 10 days evidence of their investigation and also to properly credit my account regarding my dispute.
10/17/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MA
  • 019XX
Web
Deposited a Mobile deposit check, it was a Massachusetts Unemployment check. 3 months later they deducted the funds from my account and would not give an explanation, or do investigation. Bank claims that check was cashed after deposit. I destroyed the check myself so that couldn't be possible. Here is a copy of email I was sent on Wed, XX/XX/2019, XXXX XXXX. Hi XXXX, Were sorry to inform you that your check deposit of {$340.00} initially accepted on XX/XX/2019 h as been returned. Weve received notice from the Federal Reserve that the bank upon which the check was drawn is refusing to honor the check. The reason for their decision : PAID - Duplicate The deposit of {$340.00} will be reversed from your Spending Account as a result of this decision from the bank upon which the check was drawn. In addition to this notice, you will receive a letter in the mail in 7-10 business days regarding this return. If you have any questions, reach out to us by tapping the chat icon in your Chime app. Thank you, The Chime Team Thank you for you help.
08/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30134
Web
I was trying to call Chime & did an internet search call chime and a fake website came up, I called and followed instruction to diwnload XXXX and thought it was a real Chime person trying to up my check deposit amounts, instead they went in and sent all my money to themselves in the amount of {$2700.00}. I immediately called as I kept asking the fake person to be transferred to a suoervisor cause I started feeling uneasy as I finally hung up and looked on my card for Chime phone number abd realized indeed it was the wrong number I called. I called Chime to ask if they could reverse transaction and was told no, my only recourse was to file a dispute, which I did. I submitted a scrrenshot of fake website and a screenshot of my phone call to the fake number showing I was on tge phone at the time of transactions with the fake company. My dispute was denied in less than 24 hours. This was all my money for bills and some extra I was saving for a year. Please help my get my money returned, as this is the ethical and moral thing to do. Thank you
04/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30135
Web Servicemember
I have filed over 5 disputes regarding the same transactions since XXXX. Each time the claim was denied, I asked for the documents used to make their decision and have yet to receive anything. I paid for a vacation package with XXXX XXXX for over 2 years. The event was to take place on XX/XX/XXXX but was abruptly cancelled on XXXX XXXX via email. XXXX XXXX never answered the Customer Service number. Took over a month to get any response from them via email. Even though they offered a Refund, they stated that if a claim had been filed with your bank that they were no longer responsible. The reason for my claim was for Services/Product that was paid for but not rendered. The dates of the transactions are as followed : XX/XX/XXXX - {$410.00} XX/XX/XXXX - {$220.00} After submitting all evidence, including the bankruptcy filing, they have denied my claim yet again stating that no error has occurred. Most if not all claims were denied within a 24-48 hour timeframe. Which signifies that a thorough investigation couldn't have possibly been done.
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92021
Web
I have opened a charge account with " Chim Bank ''. it is NOT a credit card. But it supposed to report to the credit bureaus to improve the credit score, the reason why i applied for this account. But unlikely, it destroyed my credit score. Because the Term " Balance '' in the credit card system means we as the consumer are owing some money to the creditor, which the higher, the more negative ; but when we come to the debit cards, the word " Balance '', means the money that is sitting in the customer account, which the higher, the more positive. So this account currently reporting the money that i have in my account, as a debt, as a " Balance '' under its negative definition as mentioned above. this is showing a high utilization on this account, which has dramatically decreased my credit score. I called the credit bureaus, and the bank several times. but seems that Chime bank people are not familiar with the credit report system, and kept reporting my MONEY under the Balance Category instead of reporting it under the LIMIT category.
03/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • GA
  • 30315
Web
On XXXX XXXX I opened a dispute with chime bank and provided them with as much evidence on me being scammed out of my money by this merchant XXXX XXXX for {$3000.00}. On XXXX XXXX Chime denied and closed my claim saying that they spoke with the merchant and the merchant told them I didnt make the payment on the vehicle so they repoed my vehicle, which is false. I made the initial payment of {$3000.00} on XXXX XXXX with my chime XXXX XXXX. Chime still denied my claim after they see the payment was made in that day. I tried to reopen my claim with chime on XXXX XXXX and they still denied my claim once again. Chime told me there was nothing they could do and that I will not receive my money back because Of what the merchant said. Ive been a customer with chime almost a year now, never had a problem out of them but this is very frustrating knowing my bank chose the merchant over their costumer being that I provided all the evidence I had even a police report that they asked for. Here it is XXXX XXXX and Im at a lost of {$3000.00} and a car.
11/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NE
  • 68801
Web
XX/XX/2023 I went to an atm in my banks network, ATM Terminal XXXX at XXXX to withdraw {$400.00} and the atm did not dispense the money. However, it did take the money out of my account. I called my bank and was told to get ahold of the number that was on the atm. I called the XXXX XXXX number located on the machine and was told that I needed to call my bank again to file a dispute. I called my bank once again to file a dispute and a few days later, the dispute was denied because they found no fault and that I had received the money, when I in fact, had not received it. I have since filed 6 rebuttals on the denied dispute claim in order to receive my money and have not been successful. I have also gotten ahold of the bank who owns that atm, to have a work order put in to review the cameras and what not, but have still not been successful. It has now been an entire month since this has happened and I still have not seen my {$400.00}. This has put a damper on my bill paying schedule and am getting very frustrated with the whole situation.
04/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 75104
Web
On XX/XX/22, I paid {$71.00} for a grocery delivery. The merchant unexpectedly charged an {$11.00}. After resolving the issue with the merchant, I was granted a refund for the additional charge. On XX/XX/22, the merchant charged me an additional {$82.00}, which was later resolved and offset by the pending refund. The merchant also confirmed that it had canceled the charge of {$71.00} on XX/XX/22. However, my bank, Chime, has yet to return the {$71.00} to me. It shows both charges, one settled, and one still pending ( {$71.00} ). Additionally, it has added a notification that the {$71.00} has been added back to my balance, although it hasnt. I have reached out to Chimes support team, who said that it takes at least seven business days to remove the charge, as the merchant canceled it while it was still pending. This makes absolutely no sense. Chime itself set the money aside, not the merchant, and is well-aware of the fact that the merchant returned the funds. So, why is it refusing to return the money in a reasonable time frame?
09/20/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • MN
  • 553XX
Web
My son had a checking and savings account with Chime. He was killed in an accident XX/XX/XXXX. I contacted Chime XX/XX/XXXX via email ( their phone support is non-existent as all options ultimately culminate is directing one to send an email to their support team ). After providing proof of my relationship with my son ( guardianship, drivers license, and death certificate ) Chime issued two checks on XX/XX/XXXX for the balances in his accounts ( less than {$500.00} total ). After depositing both checks they bounced on XX/XX/XXXX, my bank told me insufficient funds, and I received a penalty fee for the returned checks. Today XX/XX/XXXX I contacted Chime and they told me they are not responsible for the bank fees, that the checks were sent to me in error, and they now need a Small Estate Affidavit to reissue the checks. As I've already provided the initial documentation they requested, I'm concerned if I provide any additional documentation why should I believe any future checks from Chime won't also bounce an incur additional fees?
10/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NV
  • 89120
Web
Chime Bank agents engaged in unauthorized activity with my debit card, made false reports on my accounts and caused my debit card to be shut down. They refused to fix the problem WHILE knowing i did not reside at the same apartment. I had just left and am currently homeless. They knew this and still refused to turn my card on at least not They then sent a replacement card to a place I do not reside and knew this. They were well aware of my homeless status and did nothing to resolve the issue. I now have now way to receive my direct deposit. Chimes agents have shown extreme incompetence when dealing with financial services. They do not investigate and there is recorded proof of each call of these agents not opening investigation documents u til i tell them to. They are unaware of the issue at hand until I force them to read the evidence I provided. At no point did Chime mention canceling my card and sending a replacement in any of there responses to me. In fact they never confirmed the dispute, they never finished the investigation.
10/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NJ
  • 07104
Web
On XXXX XXXX 2022 received an email from chime saying that the phone number on my account was change and I immediately respond to them that I did not change anything in my account, hoping they secure my account, that was around XXXX. at XXXX XXXX I went to buy something and my card was denied for insufficient funds which was odd because the night before deposited my check. I called them to find out that there was a 5 transactions that did not made or authorized by any means. Chime block my mobile app so I can not do anything and they claim I am responsible for the charges which I am not and they do not give me any proof of that and I every time I called they transfer me to a different department and not giving me any solutions, they have no mercy even I told them I do not have any money for gas or food to pay my rent etc. Also they sent me a new debit card that I can not use because they can even help me to change my pin and I do not Understand what is wrong with them, please help me I am desperate I have a sick wife that depend on me.
11/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 786XX
Web
Ive had a CHIME account for over a year now with no problems. Two weeks ago, they requested my driver 's license and a w-9 because the IRS couldn't verify my information. I gave it to them. They sent me this email 4 times. I complied. I then called CHIME to verify. I was told the emails didn't come from them. Two days ago, I got a notification that there was suspicious activity on my account, and to check my email for further action. It was the same email asking for my driver 's license and w-9. I have called five times, and they say i will get another email. All of the emails are the same. I have them all saved and can provide them if neccessary. I also let them know that i was recording the phone calls for my own purposes. I have a gentleman saying that they actually DID verify my information, and the reason they haven't unlocked my account is because the company is dealing with heavy workloads right now. I got notifications from XXXX and XXXX that my CHIME has been disconnected from both. I lost over XXXX dollars. This isn't right.
09/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MD
  • 20745
Web
On XX/XX/XXXX I paid {$170.00} to XXXX then XXXX took another unauthorized payment for the same bill of {$160.00} on XX/XX/XXXX. I called XXXX about extra payment I was told the XX/XX/XXXX payment was returned. I called Chime Bank an requested my Bank Statement for the month of XXXX to confirm that I never received a return of payment. Just like I thought I did not receive any return of payment, now if I can see the money went out but never came in my bank should definitely be XXXX to see that. I disputed the transaction an within a hour or two Chime Bank denied my claim. I wan na know what did they investigate, if its their policy to investigate consumers claim what exact measures was taken cuz anyone should be able to look at my statement an see I paid XXXX twice. I expected this to be a easy fix everyone on the XXXX side as well as Chime Bank shouldve been able to identify there was a mistake an none of my own but possibly the systems fault as humans we should be able to catch it an fix it. So Chime Bank didnt investigate anything
10/26/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CO
  • 80911
Web
On XX/XX/2021 I ordered a product online. They invoiced me the same day but for {$100.00} more than advertised. The email was a no reply email, so I went online to get the contact info for the company to cancel my order before it shipped. The company I emailed, that was on the products website replied that it was not their invoice that was emailed to me and they don't show any orders from me. I promptly contacted Chime to let them know there was a problem with the charge. They gave me a provisional credit bu on XX/XX/XXXX, they reversed the provisional credit of {$190.00} without valid explanation. I have emailed and called speaking to 2 different reps, none able to help me. This charge is legitimatly fraud as I don't have the product and I have no way of contacting the company however Chime won't protect my money or me as a consumer and credit my account and debit the company making the charges. So right now I'm out {$190.00} without a way of recouping the funds. Can someone help me get Chime to protect my funds against this fraud?
12/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • AZ
  • 85018
Web
XX/XX/2022 i was charged {$220.00} by XXXX that same day the order was canceled and I was charged for 1 item which left me with {$210.00} for a refund. XXXX released the funds that day. On XX/XX/2022 my bank account chime settled the transaction and then put it back into pending. I called chime and they said XXXX was responsible for the pending transaction I called XXXX and the billing department explained they released the hold they had on the account and a refund was issued and it was up to chime to release the funds. I again called chime and they said XXXX didnt release the funds. From then on XXXX me and chime did a conference call in which XXXX billing explained they released the funds and chime should release the funds on my account as well they then informed me I would not be getting my refund. I have called chime over 10 times and no one can explain why the transaction settled then went back into pending or why or where are my funds in the first place. They WILL not help me they will not answer my questions and I need help!
04/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 15221
Web
XXXX XXXX XXXX, so I filed a dispute against XXXX XXXX on XX/XX/XXXX. I filed the dispute because I received the wrong order of groceries, and XXXX acknowledges that I received the wrong groceries!! They tell me to go dispute the transaction and so I did. The dispute number is XXXX. Okay, so I contacted chime to day, and I received a interesting email 9 days into the dispute! Chime tells me the dispute is closed and denied!! Im checking and the dispute is still open, but its denied! I contacted chime thru phone and they its open, but Im told the dispute is denied. As a chime customer this is saddening, and frustrating because I dont know if theyre actually trying to help me get my money back!! Im not in the wrong here, XXXX made a mistake, and I go to chime, and it seems theyre not willing to fight this charge and get my money back!! This is an unappreciated and discouraging experience!! I expected better from the bank I put my money and my trust into!! Ultimately, I need chime to get my money back!! I dont need to be screwed over!
05/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 78210
Web
Chime bank closed my account for no reason. they said they determined that account activity was not in compliance anymore and they have decided to end the relationship. closed my account and locked me out of everything. this was the only access too any money I had, I am currently unemployed and with them closing my account leaves me with 0 access to any money I cant even buy food for me or my animals now. I did nothing wrong. I do not have any other accounts with any other financial institutions they have drastically impacted this situation, I can't pay any bills and they said if anything i may be able to get my funds from the closed account in approx 6 to 8 weeks. which I am not able to be without any money for over 2 months. Every time i reach out they say i have to email their support team which i do and they refuse to give me the exact reason why they closed my account and when i ask for my closure check to be expedited due to my situation they have put me in they stop responding and ignore me every time I send an email.
08/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OK
  • 741XX
Web
Chime, a financial services company and partners with XXXX and XXXX Banks, opened an unauthorized online account for a XXXX XXXX XXXX, using my stolen personal information and without my permission on XX/XX/2022. I received a card, in the mail from a Utah facility address ( which I believe is associated with XXXX ) and closed the account with Chime on XX/XX/2022. The XXXX Bank name was on the shipping info with a routing number ( XXXX ). Since XX/XX/XXXX, I have tried to contact XXXX and Chime numerous times to determine how my personal information was fraudulently obtained and how they could open an account without my permission. I have followed Chimes instructions to get this information, but they are not forthcoming. They are in violation of the Federal ( FCRA ) Law to provide documentation on this identity theft. I found another Case ( XXXX ) dated XX/XX/2022, with the same circumstances in the database. This reminds me of the XXXX XXXX and XXXX Bank fraudulent activities to open unauthorized accounts for marketing credits.
05/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CO
  • 810XX
Web
My wife and I were getting ready to run into the hardware store by our house and she got notified that some charges were posted to her account from another town ... long story short I did not have my phone so when I got home I looked at my chime account and the same gas station had taken out XXXX every 2 to 3 mins and took over XXXX XXXX .I made a police report and gave chime the report number and have contacted numerous times only for them to say I am getting denied my money! My card is with me and always have never with anyone else and I didn't authorize or give anyone permission to take out XXXX every two to three minutes ... ... It's a gas station and I've done and called and made a police report and I haven't worked in the past year due to a illness that has left me XXXX! I have a family with bills and this is hurting my kids and don't know what else to do it's been dispute after dispute and I really need my money to pay bills!!! Plz help I'm begging you I did not authorize these charges!!! My wife won her dispute right away
04/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 30157
Web
I accidentally sent a friend of mine {$2000.00} trying to send her {$20.00} and chime frose the money so she couldn't send it back to me so I filed claim with chime which I had to since the money was frozen immediately after I sent it to her. The reason I accidentally sent her that amount is because the phone I was using had a broken screen and when I went to type the amount of money to send it added two extra XXXX 's and on the next screen to confirm the amount to send i tried to cancel and it hit confirm instead. I had to file a rebuttal process and they found it in her favor saying no mistake was made even tho she sent and email with her photo id and her email associated with her account asking them to send my money back to me which I have screen shots of just like they had asked her to do. I never received the money and they closed my account for reason I just explained and they told me that it would take about 45 days and I would get my money back and her account would be closed instead mine was closed and she got the money.
03/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • IA
  • 50701
Web
On XX/XX/XXXX I tried to transfer {$50.00} from my chime checking account to one of my other accounts through an option where you can send a link to someone's phone number and then they are supposed to put in their debit card information and then they will have the money transferred into their account but when I put in my second phone number to transfer the money to myself in a different bank account I verified my phone number and then once the transfer was complete it said it transferred into someone else 's chime account I immediately called the institution the person I initially talked to told me that my money would be back in my account within 3 days after 3 days passing I called back another person told me that they weren't going to refund my money I called back again another person told me that they would email me in a day or two I never received an email I called again after about a week and was told once again that they would not give me my money back even though they made the error and put it into someone else 's account
06/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • XXXXX
Web
I initiated an online bill pay in my Chime checking account which is sent by Chime in the form of a check for a XXXX XXXX XXXX policy premium. The Chime banking system indicated the check was sent on XX/XX/2021 to XXXX in the amount of {$120.00} at XXXX and indicated the check was SETTLED or paid to XXXX XXXX XXXX never received payment and my Life Insurance policy lapsed because of it. I reached out to Chime twice regarding the matter. I asked them to cancel the check and refund my account which they did. They had nothing to say regarding their actions cancelling of my insurance policy at 48 years of age. The main issue is the fact that they said the funds were paid and settled and they weren't which leads me to believe there has to be many other customers, as I would have never known the funds were not settled had my insurance policy not been cancelled. The attached snip of my bank account shows the cancelled check and the original check, and the original check STILL shows settled. If this isn't a CFBP problem, I don't what is.
01/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30213
Web
On XX/XX/XXXX I received my regular direct deposit to my Chime bank account at XXXX pm. I was currently at home watching my son 's basketball game. At XXXX I transferred my funds from my checking to my Chime credit builder card. At XXXX am on XX/XX/XXXX, XXXX individuals hacked my account. They transferred the money from my credit builder card to my checking account and used the pay friends feature to transfer my entire direct deposits to themselves. At the time the transfers were made I was still sleeping. Once I woke up and saw these mistaken transaction I immediately contacted Chime as well as completed a police report. I submitted a dispute with Chime and a few days later it as denied. I started to send several messages via social media on XX/XX/XXXX as well and called Chime several times and spoke with 3 separate managers. On XX/XX/XXXX chime closed my account blocking access to all previous informtion and transactions. {$840.00} was taken out of my account by complete strangers and I need my money back. I hve XXXX children.
02/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • MD
  • 21702
Web
Chime Bank mailed a check for me using their " Mail a Check '' feature to XXXX for {$4.00} on XX/XX/2023, and the app shows the check was cashed by the recipient. The recipient is stating they never received this payment, and needs a copy of the cashed/cleared check so they can initiate an investigation on their end. I requested a copy of the check from chime on XX/XX/2023. After initially being told in error that a copy of the check could not be provided, I was told one would be requested from the engineering team and would be forwarded to me within a few days. Over the past 2 weeks, I have tried to follow up with Chime more than a dozen times, and I just either get ignored, or I get form responses saying " we are still working on it. '' The biller is charging me fees and extra interest until i can prove to them this payment was made. Chime bank should be able to provide copies of checks sent on behalf of customers within a reasonable amount of time... it is unacceptable to make someone wait weeks for a copy of a cleared check.
12/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • OR
  • XXXXX
Web
Starting XX/XX/XXXX, I have been denied depositing a pay check for no reason. The first check I was told to have replaced, after 2 weeks of fighting my employer they finally replaced the check. I tried to deposit the new one and it was also denied. I contacted customer support and was told to try and deposit the check in person. I endorsed the check to Chime ( bank ) already and was denied depositing the check. Ive been in contact on multiple occasions with customer service and nobody will tell me why I can not use the checks. I can not replace the check a XXXX time as the employer believed I was committing fraud for needing a replacement the first time and its been over a month of this. I have called and emailed Chime many times over the past few weeks and they had me going in circles and are now not responding to me at all. I havent spoken to a single person that works for the bankthey all say they work for the app. Nobody has told me why I cant deposit the checks. I need this money to keep a roof over my head and feed myself.
05/04/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • UT
  • 84107
Web
I attempted to cash my payroll check through Chime XXXX XXXX. The company apparently has no ability to view prior chats with different agents. XXXX # XXXX, XXXX assured me my check would be cleared within the day at XXXX. Email at XXXX XXXX Says check rejected. XXXX # XXXX, XXXX, at XXXX XXXX claims my XXXX XXXX feature is turned off and that I need to go to a check cashing place and then deposit the cash into my account by paying a fee. Cue phonecall # XXXX. XXXX XXXX on the phone claims that they need my paystub to " verify my income '' and I send that over and he claims it may take over 2 days to respond to my email so I escalate the call to a supervisor " XXXX '' who then claims that the prior agent was wrong and they didn't need anything they just won't cash my check for me, they " reserve the right '' to not accept it. I sent over all my personal information on a paystub for them to " verify '' how do I know my identify is even safe now if different agents can just pick at will what they're able to request from me even.
07/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 31088
Web
I made a purchase at XXXX XX/XX/XXXX For a deposit and insurance on a rental. It was taken from my chime prepaid credit builder Card that day. I spoke with a rep and she said she could see the original transaction and when they charged it again and could see where it wasnt credited back to my account. I was given my deposit back on the XX/XX/XXXX but XXXX charged my card again with the same amount for XX/XX/XXXX. It was not authorized and resulted in a negative balance o my credit builder. I consulted chime and they said it displayed a positive balance since my check transferee and it took the negative balance out of my check. They said they saw no error and refused to give me my money back. Idk if they are rearranging transactions or what but theirs is no way I could have overspent on a secured credit card. I reached out to XXXX. I havent heard anything back from them. They have tried to authorize charges on my card a lot through out the duration of my rental even though they knew it was covered through an insurance company.
10/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • MI
  • 49442
Web Servicemember
Chime banking gave me a provisional credit involves a dispute XX/XX/2022 The dispute helped to stop payment I closed the dispute Payment was not made notification from the dispute and I was notified to re submit payment with a additional expense added for nonpayment I paid on XXXX XXXX the amount of XXXX plus XXXX of penalty fees Chime bank on XX/XX/XXXX deducted XXXX from my account labeled incorrect and without notifying me I receive XXXX benefits and live on a fixed income chime bank has caused a major hardship Spent 5 daysv since XX/XX/XXXX to resolve issue additional errors were created by the customer service reps in resolution process Documentation of chats and emails available as verbal communicate simply impossible The XXXX that was deducted by chime to recover the provisional credit shouldnt of happened because the company was not paid My current bill to the same place that the dispute is now demanding XXXX money and I dont have it because of chimes actions and now financial penalties and created troubled relationship
11/02/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 11433
Web
Dear California Department of Financial Protection and Innovation, The following correspondence is in reference Chime, where I am a customer. On XX/XX/XXXX, my job deposited in account {$1300.00}. I accidentally transferred {$1200.00}. from my personal bank account.I alerted my bank and Chime about this error.I was trying to transfer {$1200.00} from the Chime account to my personal bank account. My bank put in a claim. Instead of refunding me the {$1200.00}. Chime instead deducted $ XXXX.from my direct deposit of {$1300.00}. On XXXX XXXX, I received another direct deposit in the amount of $ XXXX.Chime again deducted {$1200.00}, from my account, this time on their own terms.I did not make any transaction, as I awaiting my check to be cleared from Chime. I alerted Chime, who told me on XX/XX/22 that my account is in the negative and they don't have my money. In total I am out of _ {$2600.00}. On XX/XX/22, I contacted both XXXX XXXX and Chime, both institutions are blaming each other, while my funds is in question.Please advise.
11/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 94510
Web Older American
I opened a new account with Chime. I then downloaded the mobile app and funded the initial deposit with {$200.00} via my XXXX XXXX debit card. No problems so far. I then initiated a transfer of {$4000.00} from my XXXXXXXX XXXX checking account to the new Chime account. They thought that this was suspicious so they froze my account and locked me out. Even though they thought that this was suspicious they went ahead and took the {$4000.00} from my XXXXXXXX XXXX account. I got an email from them stating that they need more documentation. I have sent them that documentation numerous times but almost immediately I get an email back saying that I need to send them the documentation, which I just did. I have called several times and asked to speak to the Member Protection Team. I have been told I cant speak to them I can only email them but when I do I get the same canned response. They wont let me talk to anyone else they will only tell me to email them. It is just a continuous circle where they dont give me any workable options.
11/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MI
  • 49519
Web
I have been locked out of my chime account since the first week in XXXX. When I initially tried to login, it told me my account was locked due to suspicious activity. I received an email stating that I needed to provide a state issued photo ID and proof of residency. I sent this information in. Several days went by and they still had my account locked. I called them and the told me that I needed to send in this information again. I obliged. My account is still locked. Every time I call them, they tell me they do not know why my account is locked and that it is under review. They do not tell me when this review will be complete. It's been almost a month and I am now behind on rent and other living expenses as this is my online account. I have been calling chime every other day and am always given the same response. I have a lot of money on this account. It is unacceptable to keep it locked with no explanation or Time frame of when this issue will be resolved. I need access to my funds asap, this is causing financial distress.
08/18/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Trouble getting information about the card
  • OH
  • 45231
Web
At the end of XXXX and beginning of XXXX, I loaded money onto my chime card to pay bills and go on a summer vacation. The same day as my flight and my last deposit I got an email saying my accounts where closed because I violated deposit policy. I had a spending, saving, and credit builder account. I was under the impression that the more I used my credit builder account the more my credit would improve. So I made many/ if not all transactions with this card. I got mixed messages from chime saying I would be refunded then I would not. Most recently they are saying they are only refunding a fraction of my total balances. Theyve asked me to verify the funds I deposited and I did. But Everytime they email me its a different agent who repeats themselves. I need help. I do not want or will never do business with chime again, I just want my ALL funds back!!!! I am a XXXX parent XXXX XXXXXXXX and they should be ashamed taking people money like this. Where is the justice in these big companies taking advantage of low income people?
06/15/2022 Yes
  • Credit card or prepaid card
  • Payroll card
  • Unexpected or other fees
  • MS
  • 394XX
Web
Someone at one of the places that I've used my card at, apparently either took a picture of my card or wrote down the card number, exp date, and CCV and tried to use my card twice to get XXXX. Both of these charges are showing on my card, but yet when I call XXXX, they can not find any account associated with me or my wife or my card number. So they have no idea where the charges came from. We have been fighting with Chime to get a refund on XXXX fraudulent charges made on XX/XX/XXXX and XX/XX/XXXX to XXXX. I have even sent them a recording from XXXX where they state they can't find anything in their system for us or the card. But yet Chime keeps denying the dispute and using the reasoning that since there was a deposit made on the card ( this is my husband 's paycard and he gets paid every week ) that we knew about the charges.?? I have explained that to them, sent them a copy of all deposits showing it's his paychecks, sent them a copy of the recording from XXXX ( multiple times ) and we are still being denied the dispute.
04/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30248
Web
XX/XX/XXXX I noticed some activity on my account, and I called Chime and let them know that somethings funny was going on. They brushed me off and told me that I needed to submit my social, license to support. When I went to go do that I saw that the email was sent 30 minutes prior. At that point I realized that my email was hacked into and the person called before me and they were able to send the email. Chimed in close my account and since XX/XX/XXXX have been axing me to send them my license, Social Security, and a picture of me holding some thing that says my name and the dates. I will send that to them every time and every time I send it they come back and tell me that they cant verify and then asked me for the same thing. It has been going on for a month now and the solution has yet to be resolved. They have told me that they sent this to a specialist to review and I sent that over to them XX/XX/XXXX, and yet nothing has been said to me since I sent them those same documents that the specialist asked for on XX/XX/XXXX.
05/17/2023 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • TX
  • 76105
Web
Chime suspended my account with no valid reason and when I tried getting it resolved from the phone number provided they would tell me it could only be resolved by email. After sending everything they asked they just kept sending me an automated message requesting documents that agents I spoke with verified that they had. I emailed and advised that I would take legal action as they are holding my savings without trying to provide a resolution. They only responded for me to send them a W-9 which I then verified online to be a document you fill out when applying for a job. I told them that after a week and a half of emails and unproductive calls I no longer wanted to restore the account that I only wanted to close it and get my funds deposited into my savings. Mind you I have sent my proof of ID and address a total of 7 times at this point. No one will help me get this resolved. I am at my wits end with this issue as they are not providing me any avenue of resolution. Please help get this issue resolved so that I can move on.
09/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WV
  • 26505
Web
Chime / XXXX XXXX.A fraudulent charge of {$100.00} from XXXX in Arkansas was charged to my checking account on XX/XX/2022. I live in WV. The notification came up on my mobile device, I immediately cancelled my debit card because I didn't make that transaction. I called chime to file dispute, they informed me it was pending and I couldn't file a dispute until it was no longer pending. XX/XX/2022, the charge was no longer pending so I called to file a dispute. Less than 10 minutes after I filed the dispute I got an email stating that my dispute was denied that I did not provide enough proof that it was not me that made the transition. I called chime services again and spoke to a manager who stated that she would have me provided the reason why it was declined and was going to reopen the claim. Again less than 10 minutes later I received another email stating again that my claim was denied due to me not providing enough information that it was not me. I have stated that it is fraud and yet chime is refusing to reopen my claim.
09/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 95240
Web
When I requested the documents they were asking me questions about why I wanted to request them. Not that it's their business but I registered my new business and I needed them for tax prep after refusing to mail them to me told me they would email them to me I do not feel comfortable then being in my email account it's not a secured endpoint and requested that they did not send them to my email I need them printed out on paper and sent to me I was never given anything that told me that I was waving my rent to request those financial documents so I figured it was perfectly fine too and after asking each and every manager they had but still told there's nothing they could do they can only email. I don't think it's right if you trust it an establishment with your bi-weekly income and they can't give me my statements on paper so I can go properly through all the transactions pick out the unauthorized charges. and inform them of the purchases that I did make. And aren't showing up especially if they're related to my business..
05/11/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CO
  • 80010
Web
Tuesday XXXX XXXX a guy name XXXX @ XXXX XXXX. He contacted me as a family friend for help with a fundraiser he stated to pay under family and friends he asked me to send my email address. Next thing I know a payment for the amount he stated is already gone. Being that my Chime debit card is linked to my XXXX account @ XXXX the amount of {$540.00}. I sent him screenshot to ask how did he do this? He sent me a fraudulent shipping agency and a fraudulent tracking number. That's when I disputed with XXXX. I was informed the family and friends payment method is not under the XXXX protection policy. I sent information that verified that the information I received for my product was fraudulent. I don't understand how he can get into my XXXX without having my password. The Transaction was Not Authorized for XXXX. XXXX on XX/XX/2021. I filed a dispute with chime being that on the dispute form says Please complete only one of the sections below. I was unable to chose more than one option to explain this in totally of the situation.
04/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • OH
  • 441XX
Web
I have a chime account online. I got Security codes stating use the code get into my account on XXXX. I called bank stating someone trying get into my account. Told me change password. I did on XX/XX/XXXX XX/XX/XXXX It happened again I called said same thing stated my stimulus check just came in can't do anything else said it dolly be fine change password. Someone hacked into my account changed my phone number to there's and sent two checks to themselves. XX/XX/XXXX XXXX XXXX for XXXX and XX/XX/XXXX XXXX XXXX for XXXX. I didn't have access to my phone when found this out called the bank.. stated that my account was suspended due to suspicious things. Person changed phone number back to mine XX/XX/XXXX. I was able to stop XXXX check the XXXX was cashed. Bank stated they can't help me cause was a check. Been waiting 3 weeks for information on the check supposed send me nothing. Each time I called got different answers. I filed a police report. Still not resolved. Still same things different answers each time. Please help me.
03/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95628
Web
Today XX/XX/2021 at XXXX XXXX received am alert of an outstanding account. Once I checked on it I had no idea what it is from but then I saw XXXX/CHIME on my credit report I knew automatically that it is fraud. CHIME is a prepaid debit card, and one card is a " Credit Builder '' card. I have both and there is no way possible that I can use the card without first loading money onto it. The alert say On XX/XX/2021 I was reported to XXXX for owing XXXX/CHIME in the amount of XXXX. This is FRAUD! My card is active an since I've started using it I've kept money on it. It's impossible to owe a prepaid card. No fees, no set up fees, nothing just load and use to supposedly raise your credit. I don't qualify for a spending advance that CHIME offers because I don't get enough direct deposits, and it's only {$20.00}. But that's an offer that I don't qualify for. I can NOT possibly owe them any money, PLEASE help me. This is FRAUD AGAIN! My restoration specialist name is XXXX XXXX XXXX. My contact is XXXX and my mobile number is XXXX
02/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • FL
  • 33308
Web
I opened a Chime Bank account in XXXX of XXXX. I immediately was locked out. I immediately emailed for assistance. It took several weeks to receive a response. They asked me to respond with sensitive private documents via email. I refused due to security concerns and asked for a secure portal to upload them. Any legitimate company, ESPECIALLY A BANK, should have a secure portal to upload documents. It took 5 months to finally receive a response from a " representative '' who provided a fake invalid link. I responded multiple times that the link does not work and they need to provide a valid one. I kept getting the same copied and pasted response. I feel this company is a scam and have asked them to close my account and delete all of my information NUMEROUS times but they refuse to. I filed a complaint with the XXXX where they continued to copy and paste the same response their bots emailed to me and it closed without resolution. The company is refusing to close my account. IT IS MY LEGAL RIGHT TO HAVE MY ACCOUNT CLOSED.
08/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27405
Web
Claim ID : XXXX Dispute Type : Pay Friends - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$2000.00} I was robbed by a group of guys walking to the atm they took my phone and transferred XXXX to themselves I never transferred money on chime before peer to peer and I had them since XXXX. After everything happened I went to the police station. I made a police report and called chime and made a dispute online. The next day they denied the dispute and said it was no error. I asked for the reason and paper work. That said it would be 10 days to recieve the paper work. I never received A response. This is the police report I made right after the incident. After 8 years of being with them I never not once made a peer to peer transaction. I was robbed and reported it immediately to chime and the police. After 8 years I only had one other dispute that too 3 months just for them to tell me know after getting scammed by a company that never sent out my items. The was for XXXX And I would like that reinvested too.
08/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • XXXXX
Web
I was traveling in vacation and my debit card was stolen and was used this is consider fraud this is what i received Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$2900.00} XXXX XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 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. You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time. Thanks, Chime Disputes Team
08/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 77449
Web
On XX/XX/2021 a purchase was made on my chime credit builder card for {$240.00} from XXXX that I did not authorize. I filed a complaint with chime and a few days later I was told that they didnt find any error and they were closing my dispute and not reversing the charge. I asked for the documents they used to determine there was no error and they sent me a letter stating that they called the merchant and the merchant said that my name billing address and email were used for the purchase ( letter is attached below ). I have never done business with XXXX. Chime is giving me the run around so they dont have to re open the dispute. They said if I send proof that I didnt make the purchase they can re open. When I ask what proof to send because o didnt make the purchase. they say anything to prove that but not giving me specific documents. Ive sent my web browser history, my emails showing I have never received and email from XXXX and they keep saying thats not sufficient but. It telling me what to send in a case of fraud.
11/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AL
  • 357XX
Web Servicemember
Theres too many to list. I jumped onto chime after having my accounts compromised after identity theft because it was advertised XXXX easy, no fees, etc. Anything you ask chime they respond in a way that makes you certain they dont even comprehend XXXX. I have almost XXXX dollars worth of unauthorized charges that were disputed only to be denied. They reopened through what they refer to as rebuttal tonights conversation I was told no provisional credits because I was disputing merchandise not received which was never the case. The companies are all over seas. You can literally talk to them and get no where. You ask a question and they ramble on no where close to what was asked. I got on their XXXX page and it seems to be the norm. Any interaction is a waste of time. They should not be allowed to handle peoples finances. Definitely a predatory operation. Chime has been the worse part of recovering from identity theft. I have more docs just aggravates the life out of me because theres nothing I can do on my end.
07/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • XXXXX
Web Servicemember
I received via mail a welcome letter from Chime with an account number and debit card on XX/XX/2023. On XX/XX/2023 I received an email from Chime stating that the email address on my account had been changed. I contacted the company via the only customer support line available XXXX and they were willing to close the account. I had no idea what information they used to open the account ( ie social, dob, etc. ). After closing the account they said I had to send an email to request information about any transactions that may have gone through the account. They stated no one at their helpline was capable of viewing those transactions except this mystery team that could only be reached via email. No supervisor was available or offered for assistance. I was only provided an email address and no additional assistance to what the potential exposure of this fraud is. I have no idea if I will ever get a response to the email or if it will contain the information needed. The fraudulent customer service at Chime is unacceptable.
09/28/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • CA
  • 94513
Web
XX/XX/26 received email from Chime that my account was terminated. My savings account has over XXXX XXXX I emailed 3 times to the support email offered and XXXX response. I used another persons chime XXXX to access contact chat as I cant access my account anymore, in order to actually speak with a person. The person was rude and unhelpful. He could not tell me why the account was closed. He told me the best he could do was expedite an email. So I resent an email and he said he expedited this was 8-9 hours ago and still no response. He also told me my money would be returned after 30 days. When questioned if it was safe to send a check that large he got snippy and said maam, youll get your money I also inquired about what they do to protect that large amount traveling through mail and again, got no answer. I have reached out to XXXX as well. I just want my account unlocked so I can transfer my money to a safe account. I feel like Chime is committing fraud and I would like the company to be investigated.
10/12/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NJ
  • 08618
Web
I received my payroll deposit on XXXX XX/XX/XXXX I was also supposed to receive new debit cards I call Chime Bank to check on the status of my card someone from the chime bank said they were looking into it on XXXX XXXX the XXXX all in my money was going for my account {$2500.00} in one transaction $ {$21.00} XXXX received emails from time saying thanks for the anyone transfer for those amounts I never authorized anyone to go into my account to take out anything and I never did a money transfer Don't know anything about anyone transfer but my money was missing I called Chime back to find out what happened to my deposit and they said they was going to do a dispute then it was closed in XXXX hours I called back to do another dispute because I never authorized anyone to take money out of my account receive XXXX emails from chime saying thanks for the anyone transfer for new cards Don't have no idea what anyone transfer is so they basically stole my money someone that works for chime or have a connection to that bank
09/29/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MA
  • 01844
Web
Hello I have a complaint with a company named chime bank but also with the XXXX XXXX company who helps with funds with chime and XXXX XXXX as well I was getting money from unemployment since XX/XX/2020 and they took all XXXX - -- -- -- -- -- XXXX or more and lost wage they have given me hard time to return that money and then to of XXXX 2020 and they told me they have it and will give back to me ( which is was a hard lie to shut me up ) That what they said but never they return the money they put me and horrible mess with our bills they always did a quick email response so it would be something but ever time it was different but not to different they are embezzle money and wont return it. I have documations of them basial lieing and pleading that they have it and will give it back when they have second they are crazy .i want this company shut down and to return the money to billons maybe more and with settlement to those who are having the same problem i want the CEO in jail and i want my money back. and then some
09/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • KY
  • 40216
Web
XX/XX/XXXX - my account was closed due to a deposit account agreement I called and ask what I needed to re open my account .they ask for documents like my id and social security number I provided them With it. XX/XX/XXXX - I called again to see if they had received the documents they said they did and still received the same email that my account was closed, so again I provided them with the documents was told to wait 24 hours for my account to be resolved. XX/XX/XXXX- waited the 24 hours to call again, and again was told that my account was being looked at and that it will be resolved in 24 hours. XX/XX/XXXX -I call again to see if anything was resolved they would tell me that they have to send my account was sent to other crew member to get resolved and again was told that they had everything to get it re opened. Now theyre telling me that I have to wait for 30 days until I get my money back my concern is that in that account I have all my money now Im sitting with XXXX kids and no access to my own money
01/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 344XX
Web Servicemember
we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back
12/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • XXXXX
Web
On XX/XX/XXXX I had went to an atm at a XXXX in XXXX XXXX PA. I attempted to pull {$140.00} out of the atm. Upon doing this the atm did not give me my money. It read on the screen " error '' " we will refund this money to your account ''. Immediately after this happened I called my bank ( Chime ) and informed them of this. I was told the transaction was still in pending and I'd have to wait until it's out of pending. So, on the XXXX of XXXX I called Chime again and filed a dispute. On. XXXX XXXX I received an email stating that my dispute was denied. I then call Chime and speak to a supervisor. I asked him if they investigated this did they have that atm counted to see that it was off. He said " no ''. So basically they did not investigate this if they had my dispute would had been approved. So now I'll have to wait another couple weeks again until they maybe do their job and actually investigate this. It's XXXX time I was pulling that money out for XXXX gifts that now I won't have to do so. I want my funds back!
06/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 20109
Web
On XX/XX/XXXX I transferred money in the amount of {$1700.00}. I transferred my money from my XXXX XXXX XXXX. Then I receive a alert stating that my account has restrictions in place and to review the email that I was sent. I interacted with email trying to verify my identity but with no use. I called their customer service number with no help. There is {$5000.00} that I dont have access to. I have been trying to resolve this issue in a timely manner ; but they are not cooperating. Im believe that Chime Financial is a scam and they are stealing peoples hard earn money. Furthermore they mislead me into sending them personal information with the notion what it would resolve the issue. I was wrong, Chime Financial keeps making obstacles so I cant verify my identity. It feels like they dont want me to have access to my hard earn money. They business experience that Ive had with Chime is terrible. I am certain that Chime a subsidiary company of XXXX XXXX XXXX XXXXXXXX is committed consumer fraud and financial fraud.
09/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • TN
  • 37922
Web
I provided my social security number and opened a new checking account with Chime.com ( https : //www.chime.com/ ) on XX/XX/2021. Immediately, I received a welcome email stating that my account had been opened successfully. But then the very next day when I tried to access my account online, it stated that my account has been locked and I should email XXXX to unlock it. It never provided any reason why the account has been locked. I never received any kind of email, or was contacted in any other way, with any kind of explanation at all. Following their instructions, I emailed XXXX on XX/XX/2021, asking them to unlock my account. But I received no response whatsoever, no even an acknowledgement that my email has been received. I emailed them again on XX/XX/2021. But thus far, I still have not received any kind of response from Chime. I am beginning to suspect that Chime may be just a scam to get my social security number and personal information, and is not a valid, trustworthy banking institution at all.
03/30/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • OH
  • 45040
Web
Chime Financial, LLC completely restricted access to my bank account due to suspicious or fraudulent activity. Over the last three days, I have been on the phone four separate times. I have verbally verified all of my personal information on every recorded phone call, I have emailed them pictures of my drivers license, SSC, and a W2 all as requested. I have done all of the above many times, they repetitively ask me to verify the same information. They are now requesting me to send them a selfie, and are refusing access to my bank account until I email a selfie to their support team. Ive discovered multiple multiple lawsuits and court cases out against this institution for the same reason, among many others such as fraud, breach of contract, and many more. In their privacy policy, they specify that they only request name, email, phone, address, and social to verify a person. It is not stated that they ask for pictures of any documents, let alone a selfie of the individual. This has to be breach of contract
05/14/2021 Yes
  • Money transfer, virtual currency, or money service
  • Refund anticipation check
  • Fraud or scam
  • NJ
  • 08081
Web
They ruined my life, I was told Friday XX/XX/XXXX Id be issued provisional credit for the XXXX in dispute claims from unauthorized charges and not only did they tell me I would get my money on Friday the XXXX of XXXX and I have a screenshot to prove it. These jerks actually email me on XXXX the XXXX saying your dispute has been closed and we determined no error has occured and how could that be when XXXX the XXXX they issued me {$50.00} from XXXX of the merchants and there were still more pending transactions from that same merchant they determined only {$50.00} was unauthorized? It makes no sense theres no logic applied and I have been ruined because they led me to believe I was getting my money back and then XXXX the XXXX they want to act like they actually investigated in that short amount of time and concluded XXXX day before they were supposed to refund me? You better hold these people accountable or I will they XXXX XXXX I feel like XXXX and so should the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MD
  • 20904
Web
On Saturday XX/XX/23 aprox XXXX my account was hacked into. The person stole about XXXX from me and decided to charge it all at a XXXX. I live in MD were no XXXX are available. The person got access to my entire account and wiped it clean. The person charge over XXXX transactions at this place. My bank never notified me. I have also filed a police report. This person faked a text pretending to be CHIME bank and sent me a text to verify a purchase over {$500.00}. I immediately pressed No and that was their entrance to take over the account. This incident took place from Saturday night to Sunday. I can not survive without my money. These people are really damaging lives. I'm so disappointed my bank didn't catch this. Why would they see over XXXX transactions at XXXX place and not do anything about. Not one call or email to notify me of this suspicions activity. They transferred over XXXX from my account and sent there selves XXXX several times and spent the rest at XXXX over XXXX plus times. PLEASE HELPPPPPPP
01/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TN
  • 37013
Web
On XX/XX/XXXX I went to an atm located at XXXX XXXX XXXX in XXXX TN XXXX. My financial institution which is chime recommended that this would be the closest atm that has no fee to me. I went in the store and selected to withdraw {$300.00}, someone walked up and started speaking to me so as I spoke with them my money was being dispensed as I did not want them to see me receiving my money I spoke with them before removing my funds and when I turned back around the door to the atm closed and it gave me an error message stating that it took too long to remove the funds and to contact my financial institution. I contacted them and gave the instructions that I had gotten from the atm company with a code because they said this was a known issue and they told me it would take up to 10 business days. It has now been over a month and they have not returned my funds yet another dispute I filed they immediately declined it but keep pushing the date back on this transaction. Theyre stating that it will now be XX/XX/XXXX.
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 64030
Web
Hello - Chime Bank is reporting different amounts to the credit bureaus every month. -Chime is reporting my secured credit card as a regular credit card with an open balance. The balance is more than my direct deposit monthly. -Chime has violated the FCRA Law I believe. -I have contacted Chime several times asking for them to correct reporting to the credit bureau XXXX -I received several responses basically ignoring my concerns. One email was sent by Chime told me to contact the FTC. I responded it's Chime 's responsibility to correct their errors. -When I call Chime I get nowhere. When I ask for a manager or legal department Chime refuses to transfer me. - I have contacted all Credit agencies to file a dispute against Chime. I was told that my report showing an open credit card balance does affect my credit. I was told that it is Chime 's error to correct. -I asked Chime for my secure card statements and was refused. -This incorrect reporting has horribly affected my life and credit. Thank you
06/01/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • PA
  • 190XX
Web Older American
Fraudulent account opened by The XXXX XXXX doing business as Chime. Received an e-mail from Chime on XX/XX/XXXX regarding an account in my name, which I never opened nor wanted. I immediately replied that no such account had been opened by me. In XX/XX/XXXX I received a Form 1099-INT for this fraudulent account. Again I contacted Chime Member Services, with no response. In XX/XX/XXXX I again received an e-mail from Chime regarding services available thru my fraudulent account. I filed a report with the Federal Trade Commission, thru their Identity Theft Report system ( FTC Report Number : XXXX ) on XX/XX/XXXX. Receipt of a copy of this report was acknowledged by Chime on XX/XX/XXXX via e-mail, which stated that they would, " ... provide an update regarding my account status within 2-3 business days. '' No reply was ever sent. On XX/XX/XXXX I sent a letter to Chime at the suggestion of IdentityTheft.gov, using a form letter they provided ( attached ). To date, I still have not received any reply from Chime.
12/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • IN
  • 474XX
Web
Account # XXXX Transactions not authorized 1 ) XXXX XX/XX/21 XXXX general services {$72.00} pending 2 ) XXXX XX/XX/21 XXXX general services {$72.00} 3 ) XXXX XX/XX/21 XXXX general merchandise {$35.00} pending I filed a dispute for the XXXX XXXX transactions I did not authorize on XX/XX/21 and the company said they'd process it in XXXX business days by XX/XX/21, XXXX of the XXXX transactions is still pending but they still allowed with hesitation for me to file a dispute. So far the unauthorized transactions have not been refunded. As for the XXXX unauthorized transaction they are telling me I can not file a dispute until it is no longer pending, they said within XXXX business days it should no longer be pending. This company is making no effort to resolve these unauthorized transactions and I believe they are just repeating transactions and making up charges to benefit on my money. I have reported chime to the XXXX XXXX XXXX. I have called multiple times to chime and they just give me a runaround each time.
12/04/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NV
  • 897XX
Web
I received an email stating that I needed to submit documentation within 5 days or my account would be suspended. I called the same day and found out what documentation, and then submitted it while on the phone with chime customer service. My account was then suspended that day. I was told to wait 1-2 business days. I did, and still no resolution from chime. I called and then received an email stating I needed to submit all the documentation again that I had already submitted 3 days before. I resubmitted and then received an email that my account was closed because of a document that was a scan. I called and was told to resubmit my social security card, which I did immediately. I received a response back the next day that said I need to wait 2-3 business days for a resolution, and that if I email back it will cause the time frame to be longer. I have tried to call and since my account has been closed, the automated system will not let me talk to anyone. It has been 5 days and I have not received a response.
03/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 756XX
Web
On XX/XX/XXXX my income tax refund check was deposited into my chime account at XXXX about XXXX XXXX XXXX two separate unauthorized transactions were made in the amounts of {$2400.00} and {$1600.00} to the USPS XXXX I noticed that my account was hacked into cause I gotten a email stating my phone number was changed and I was at work at the time this happened. When I got off at XXXX and by the time I got to a ATM machine to try and get funds off my account I couldn't. That is when I noticed that my account was drained. I immediately called Chime and I also filed a police report also. I told Chime that my entire income tax check was stolen. I had to go through a long process of getting back into my chime account just to see what was all taken. I have been trying to dispute the two transactions for over a month now. Trying to get my money back. Please help me please. Chime is not wanting to give me my money back. I have several witness and a police report. This will be the 3rd time disputing the transactions.
04/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • KY
  • 40511
Web
locked out of my account over a month ago. Chime requested that I send a picture of my id with me also I. The picture. My wallet was stolen so I had to go to the local dmv ( Kentucky ) and get another state issued i which I did. In Kentucky the dmv send you with a paper id until the state send you the hard copy is in the mail with 10 days. I explained this to chime and they said they system wouldnt take it I. The mean time after speaking with 20 customer service reps and send over 50 email I was told a thousand different ways I could possible get access to my account send. Send my ssn, marriage license and, check stub, lease agreement, I send everything I had and was still denied access. My account was closed on XX/XX/2023 and I was told my remaining balance would be sent to me When I received my id in the mail I reached out to see if the process could be sped up and still I wasnt granted access to my funds. I just dont understand why after closing my account chime is still refusing to issue out my funds.
12/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30122
Web
On the morning of XXXX XXXX I saw that Id received texts and emails at XXXX of all of my banking information ( phone number and email ) being changed without my permission and {$1100.00} transferred out of my account without my permission. I immediately contacted Chime over the phone and by email and filed a police report with the local police. I provided screenshots to each of them of the evidence. I was informed that they would do everything to resolve the matter and while under investigation they would issue me a credit to cover the amount. Tonight on XXXX XXXX, I received an email stating that my dispute was closed and that they detected no fraud even with all of the evidence I provided them. Ive never made a Pay Anyone transfer before and only use the account to pay credit card bills and rent. The money stolen was my rent and I will be facing eviction without it. I am told that it will take 45 calendar days for them to review the investigation and I will not receive my money back in the meantime.
09/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CO
  • 80211
Web
My employer deposited my check into my Chime checking account. Within hours XXXX froze my account and requested documentation. I called in and funds were at XXXX and I could not get any answers. Finally I was told that I needed to send in my id and social security card and that it would take XXXX business days. Several days have passed and I still have received no response from the business and they still have all my funds. I have called customer service and they just keep telling me to wait 2 days on top of the days I have already been waiting. I then ask to speak to a supervisor and the supervisor just states the same thing and indicates I can not be transferred to said department, the can only way this department can be contacted is by email. I had been using this account for several months, and hours after my deposit Chime decides to just freeze account with no legitimate explanation. Upon review, Chime does have several complaints with bbb and other organizations for similar shady business practices.
07/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IL
  • 60640
Web Servicemember
On XXXX XXXX I noticed that there was a pending charge on my account. I tried to dispute the amount immediataley, but Chime doesn't allow consumers to dispute charges until they post. When I charge posted, I reported and disputed the charge about XXXX on XXXX XXXX. The morning of XXXX XXXX, less than XXXX hours later, they denied my claim. The amount in question is for {$73.00}. I did not make this purchase. According to Chime representatives who I spoke with on the phone on XXXX XXXX, around XXXX to XXXX, my debit card number was manually keyed in- and no signature or PIN was used to authenticate the transaction. However, Chime still denies my claim and won't refund me the money for this transaction that I did not make. I spoke with XXXX in their investigations unit who told me that without new evidence they would not re-open my claim. However, their investigation did not take into account that the card was manually keyed in- evidence that they both have full access to and did not consider. Claim ID XXXX
12/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • OR
  • 97401
Web Servicemember
On XX/XX/XXXX Chime accepted XXXX separate refunds from XXXX on my behalf to a closed XXXX XXXX XXXX instead of transferring the amount of the refunds into my active checking account under the same name and address. Upon contacting them I was assured I would receive my funds by mail via check within 30 days of the refunds processing date ( XX/XX/XXXX ). I have since contacted them several times inquiring about my funds and the whereabouts of said check and have been repeatedly told that they could not offer me any information as they have no way of communicating with their processing department. Their words directly. This is now day XXXX and I once again contacted them asking about my funds and received the same response. They have no way of viewing whether or not the check was processed or when I will receive my funds. I would like you to please investigate this as I believe that some federal financial laws have been violated in this case. I am at the point where I am considering seeking legal council.
10/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 43228
Web
I lost my t-mobile phone and money and my account was accessed through it. My money was taken from my savings account and sent to my checking account, then sent to my cashapp, then sent to a XXXX banks while locking me out of my cashapp account. I called as the transactions were still pending and told to call back once they went through. I did so then was blamed for the money taken from my account. Chime has not gotten the amount of money I need refunded correct since I placed the claim, it is only supposed to be for XXXX total. XXXX I had to set up another account in order to dispute the charges and they too blamed me. They are both stealing people 's money and not protecting them when supposed to. Please assist this has been going on in Disputes for over a year and u also have a police report that was filed and given to them as evidence. Along with multiple screenshots showing my whereabouts and the transactions that were taking place and the struggle I encountered trying to not get my account hacked.
03/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NJ
  • 08021
Web
Chime bank denied my claim. I did not get the email yet why they denied my claim. But I am a victim. The man who stole my money sent me a code and told me that it was to confirm my identity and that code was how much he took out my bank. He told me he wasnt going to keep the money he was going to send it right back. The real XXXX said XXXX would never take money to varify your identity. These scammers had remote access to my phone and bank account through the app i download that he told me was XXXX secure link called XXXX. I just want my money back. He stated his name XXXX XXXX, and I have audio of him acknowledging that I didnt allow him to take any money from me. Also I have a text of him the next day saying he would refund the stolen money, but he never did. I had no knowledge of this app XXXX or that it would be able to see my bank info. I do not know why XXXX would have a scam number for XXXX instead of the real number. By calling that line, now Im out XXXX I have a police report of what happened.
05/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 76017
Web Servicemember
On XX/XX/2023 my Chime Visa card was charged {$1200.00} by XXXX XXXX XXXX XXXXr. I disputed the charge through my mobile app and later received a denial. I submitted an appeal regarding the charge as I did not authorize the charge and a representative from XXXX XXXX XXXX XXXX told me my Chime Visa Card could not be accepted by XXXX and another form of payment would be needed. A representative of XXXX illegally documented my card details and processed a payment without my permission nor with me in attendance for {$1200.00}. This has caused me to unnecessary hardship in the following ways : I had to pay an additional {$300.00} in late fees for my XXXX rent, I risk being evicted for XXXX because I am still trying to replace what was taken from me, my credit score has dropped 100 points because of the utilization of 100 % being report and payments are now due on a card for charges that I did not make. I do not understand why Chime is allowing another company to take my money and saying there was no error.
12/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33063
Web Servicemember
On XXXX the XX/XX/XXXX, I realized that a transaction was incorrect. It was supposed to be & XXXX and end up being {$470.00}. Filed a dispute. Dispute was denied in hours supposedly after an investigation talk to the merchant the bank didnt contact them at that point. They made me start a rebuttal for that dispute. 2 minutes after I filed the rebuttal was denied. This happened 4 times. Now they said that because its now a rebuttal I dont have the right to get a temporary credit and that I should wait till XX/XX/XXXX to give me an answer. I asked for the documents that show the investigation they did in 2 minutes and Im still waiting for those. My original dispute is protected by the fdic and Im entitled to get my temporary credit till they do an actual investigation. No investigation about this kind of situations are made in q minute. Its impossible. They just denied your initial dispute to make you file a rebuttal and no apply the temporary credit. Were thousands of people with this situation
10/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 279XX
Web
On XX/XX/XXXX, my Chime debit card was stolen out of my vehicle and used to withdraw {$400.00} from a ATM. I called chime immediately to cancel the card and to send a new one. I filed a dispute on XX/XX/XXXX, on XX/XX/XXXX my dispute was denied for the first time. I called chime they said I needed to file a police report, so on XX/XX/XXXX I obtained a police report. I called chime again, uploaded all of my supporting documents that I have to show that the withdrawal was definitely not me. Which was a police report, a written statement and I also showed where I was literally at work clocked in while this transaction happened. I have called chime and rebottled my dispute XXXX times, and it has been denied every time with Chime saying the same exact thing every time. I even spoke to a Supervisor of Chime this last time, he said he was confident that I should get my money back and he wasn't sure why I was being denied. BUT, I just got another email stating that I was denied once again for the sixth time.
09/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • AZ
  • 85225
Web
I got a new phone and locked myself out of online banking app didnt recognize my device, I contacted Chime member services multiple times and they adv that I Had send in document to the email which I sent dL, Phone bill with number, I also sent proof of address and I was told someone would get back to me within 24-48 hours no one reach out until the 3rd day requesting the same information and I adv them that I had already sent will send again. I called multiple times adv them that I need to use my account to pay my bills all my money is in account, which had cause my electricity to be shut off as well as phone bill, I spoke with several supervisor only thing they can do is send an email and esculate the case. I was told multiple times that someone is working on getting restriction off acct I have yet to get into account I continued to reach out and was adv that if I keep responding they are going to extend the time of working on my case please help I am a single parent of 4 and need to pay my bills,.
01/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Didn't receive services that were advertised
  • TX
  • 752XX
Web
My check was issued by my employer to be sent out to me. our Pay Date of XX/XX/2022. I can see my check on ADP. Which was then confirm by my place of work, that it was issued to me. I have yet to receive my check. Check in amount of XXXX for XXXX hours of work during the time period. I have called and still have not received my money. Chimes claim that they do not no where my check is which I think is a absolute lie. A representative was able to confirm that their was a check, in my name, from my place of work in the amount of XXXX. They continue to give false narrative. They are not the bank, chimes can not act as an agent for the bank, continue to classify as a bank of financial institutions via recorded phone calls. Where my money, where my pay, who gives you the right to hold my check if you are not an actual bank, and consumer had to verify identity prior to creating an account. Its been 5 days since my pay. Chime is laundering money, involved a huge money scam. This company needs to be AUDIT!!!
11/29/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 95762
Web
On Thursday, XX/XX/XXXX, I received information from Chime Bank ( Backed by XXXXXXXX XXXX and XXXXXXXX XXXX ) that my account had been put on hold due to a suspicious transaction ( $ XXXX sent from my XXXX checking account to my Chime checking account ). These are my savings and I transferred them as I was switching savings accounts. I gave in all the information about this to Chime on the XXXX ( 3x form of Identification verification, bank statements, pay proof, complete explanations for the transactions ). When they requested another transaction of a smaller amount to e explained, I sent proof I was the sender and intended recipient an hour later. I was informed they would review my account and get back to me within 2 business days. I still have not heard back about my account. I do not have access to my bank account, it is the end of the month and I have rent, and credit cards due. I have called and emailed multiple times with promises my account would be reviewed, yet this still has not happened.
12/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MI
  • 48601
Web
Chime closed my account after I replied multiple times to there emails stating to reply in 5 days with all the verification I could possibly get and after a month of going back and fourth they closed my account anyways and said my verification didnt safice and after telling them that I had a reversal XXXX from my county treasurer from my property taxes that was reversed onto the closed chime card on XX/XX/XXXX I still havent been able to talk to anyone regarding where my money and I call the treasury office everyday and they even reached out to chime in regards to stoping or getting the funds back because right now there is {$2000.00} floating around I dont have it, The treasury sent it back to my chime card and they can not get information from chime either regarding it. Its been so stressful knowing that I had a blessing coming of that XXXX back but I cant even get it or talk to anyone about it. Please I just want my money swang back to the treasury so I can get it before XXXX that would be great.
08/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19013
Web
On Wednesday XX/XX/XXXX I had went to XXXX & got me & my mom some food. I went there & came back home. Around XXXX XXXX XXXX XXXX I got a notification about my credit card being used so I looked into it realized it wasnt me & called my bank to let them know. I remember me getting my card back from XXXX so I checked to see where my card is & couldnt find it. So I went & looked at my front door camera to see if maybe I dropped it & I did just that! In the video you see someone walking down the st stop.. pick my card up & then continue to walk & use it 10 mins later now Chime declined my claims twice already saying I dont have evidence its left me way more heart broken then anger considering this is my first time not only going through something like this but this is my first claim! Unbelievable how I was denied & not even the manager of claims department can tell me why Im beyond lost as to how it was denied & Im filing this claim to see if someone out there actually understands where I am coming from
08/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30087
Web
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX CHIME - XXXX XXXX Reported : XXXX XXXX, XXXX These reporting errors on my credit, with SS ending in XXXX. These reports are false and incorrect, I want them removed as they are a violation of my fair credit report act. I have no knowledge of them nor did I apply or select those services. These are a violation of Section XXXX23 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute and The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. As I am requesting these inquiries to be removed properly in a timely manner.
04/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • IN
  • 463XX
Web
XX/XX/2023. I woke up with my Chime banking account being hacked for the amount of {$2100.00} XXXX I woke up with a text message stating that my phone number had been changed in my chime account and they had received a verification code to the new number put on the account. Which seems like a flaw in the security measurements being done because it required no verification from me before allowing them to change this number or no double confirmation. Now they have all my important information and all the funds in my account had been transferred over to someone elses credit card through their phone number. I had then called chime immediately and they opened a dispute on the same day XX/XX/XXXX regarding this but were still trying to make it seem like this was my fault. I have XXXX cents remaining in my account for bills, food and basic living. And they said it can take up to five business days just for them to begin investigating this. Im certain their investigation will lead to them not being liable.
10/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30253
Web
I banked with chime for many years then suddenly my account with funds in it, it was closed down without any information prior besides one email on XX/XX/XXXX. I contacted them SEVERAL times lost hours of work to never get a clear answer as to why. The only response I got was an email stating that I violated a contract. I agreed upon when I signed up for my account. When I asked for exact transactions that violated this agreement they could not provide any reasoning I was forwarded to another person to another person when I called and spent hours on the phone I was kept on hold and just constantly sent to another agent and eventually hung up on, I was lied to I would get an email they would reactivate my account. They never did I receive benefits from XXXX Social Security, and which those have been now terminated because they can not be deposited into my account. I cant update the security XXXX chime will not communicate with me, has caused total financial distress, and no one can even tell me why.
06/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 75228
Web
On XX/XX/22 at XXXX pm, someone made a fraudulent charge on my credit card and charged {$110.00} worth of gas ( XXXX XXXX ) then tried to charge {$170.00} ( XXXX pm ) worth of stuff at XXXX but I had the card shut off. I filed a police report online the next day. Then two weeks later, the detective contacted me for the first time and asked if I got my $ back and I told her no. She said there was nothing she can do. I asked if she was going to " pull the tapes '' ( surveillance videos ) and go after the thief. That was a week ago and no response. I understand this financial crime is probably a low-tier infraction but still. No attempt to further follow-through thus far. I am including screenshots of the fraudulent charges, a police report, and the correspondence with Chime and with the detective. The following is my detective 's name : XXXX XXXX XXXX # XXXX Police Officer XXXX XXXX XXXX XXXX XXXX XXXX Police Department Financial Crimes XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX
02/18/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 78634
Web Servicemember
XXXX XXXX XXXX open up secured credit card along with a bank account in my name. The bank account was approved by me for direct deposit from my unemployment but the security card was never authorize to be opened in for my money to be transferred from the Account to the secure credit count without my knowledge. I never received the secure a account where my money was transferred and authorizations were used without my consent and I know the XXXX XXXX multiple times that I have not received this secure credit card and that I have not been able to use it. They continue to send me the debit card they already have a money transfer from it twice. Finally when they received the secure account my account was already being usedAnd over thousands of dollars was used out of my account on an authorized I found a complaint they did nothing for it with over 45 days in the knighted at even after I provided them proof of I didnt have all my debt record and proof that this cause he was done on my other bank account
05/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OR
  • 97202
Web
" Reported : XXXX CHIME FINANCIAL INC, CHIME INC reported IDENTITY FRAUD DISPUTE as INCORRECT, FRAUD/DISPUTE Account Number Ending In : XXXX '' " Claim ID : XXXX, XXXX Claim Amt : {$3400.00}, {$5100.00} Dispute no accredited XXXX '' " XXXX submitted 1099a through IRS to CHIME INC as beneficiary XXXX : XXXX XXXX XXXX to settle the debt '' " XX/XX/2022 IRS accepted amount and instated transfer of credits '' " Hello XXXX XXXX XXXX XXXX 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. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. Sincerely, Chime Disputes Team '' '' Chime Financial Inc. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
04/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • FL
  • 347XX
Web
I have been a customer with chime for 2 years. With my business dealings & personal dealings. XX/XX/2021 Chime Randomly froze my account for what they say Hi XXXX, Thanks for reaching out to Chime Member Services. One or more of the Pay Friends transfers you received has been reported to Chime as an unauthorized transfer, as a result a temporary hold has been placed on your account while our Disputes team investigates the validity of this claim. Please note : Investigations are typically completed within 14 days, but may occasionally take up to 45 days. Submitted ALL the documents 3 minutes after they said it was too blurry. Waited the 48 hours they said wait! NO RESPONSE. I reach out again NO RESPONSE. Everytime I call there is no option to speak to a special department only email. I have emailed 4 times & called over 10 only for chime not to say anything about my XXXX theyre withholding. My file was supposed to be escalated & at the current moment NOTHING has happened, getting the run around
08/28/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • KY
  • 427XX
Web
XXXX I was a loyal customer of Chime bank 3+ years. I used my account for saving and checking as I would with any other bank. During the Pandemic I started receiving my Unemployment benefits via my Chime account ( it was my only account ) I used it for everything day to day. XX/XX/2020 Chime put a freeze on my accounts. I Reached out to Chime Via phone and Email. I was advised that I may have a been a victim of Fraud and was asked to send in Documentation. I promptly sent the necessary documents I was instructed to -to no Avail. Each time after Was asked to send in something different and I did. Each time I was given a new " reason '' as to why my funds were still frozen. Now 3 years later and still pushing to get my accounts unfrozen, Chime has offered me NOTHING. No call back My funds both checking ( {$9000.00} ) and Savings ( {$2300.00} ) have yet to be released to me. I've called almost every week and keep getting " someone will be InTouch ''. No one has called or responded to my complaints.
05/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MI
  • 48227
Web
I have a locked account that I am trying to get unlocked so that I can get my funds out of my XXXX account and close the account. I filed a deposit dispute the day before my account was locked XX/XX/23 and on XX/XX/23 they were saying I had to send information about a card that I did not link to my account. I believe someone else had access to my account and that is why an unidentified transaction was also made. XX/XX/23 they asked for additional information, I sent in my information and they said I needed to send in additional information that I am not in possession of. Today, XX/XX/23 I called and emailed once again and stated I was not aware of any transactions or linked cards/accounts to my knowledge. Yet they are still asking for information I can not give them. I am trying to receive my money that was deposited into my account from my job, and close the account so I will no longer have connections with them. The funds I am trying to retrieve are in my XXXX account that I transferred myself.
12/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 20109
Web
On XX/XX/XXXX Chime closed my account because they think that it violates their deposit account holder agreement. I have provided them with all the necessary documentation and verification that was requested. They said they were sending me out a check for my balance which is {$9400.00} and promised that I would have it within 30 days of my account being closed. I have yet to receive my check. Everytime I email them someone with a new name responds who is completely oblivious to what is going on. No one reads my emails and all my emails are responded to by copy and paste scripts that say the same thing. They tell me that my check will be sent out, they tell me that I'm not getting a refund, they tell me to verify my address so a check can be sent. It's unbelievable on how ridiculous they are. No body knows whats going on and the only people that do can not be reached directly. How convenient. My chime card number is XXXX XXXX XXXX XXXX and phone number on account is XXXX XXXX XXXX XXXX XXXX XXXX
09/02/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • FL
  • 32208
Web
Chime wrongfully closed my account with an balance which is illegal without further acknowledgment from the company to an consumer. I contacted them they said they refuse to release my funds which is considered fraudulent activity which is illegal against my consumer rights. I asked again and again and they will only release my funds and open the account back up if I send them my id and my social security card which is illegal due to the fact I only had to provide my social security number and my id number to open the account so if they can not verify my account it would be illegal and against my consumer rights to have even ever opened my account. I need XXXX XXXX from chime for the damages they have caused me to lose money and to miss payments and lose direct deposit which if they release the funds their terms of service says specifically Ill have to wait 15 days after to receive them back. I also need my money back and I want to delete chime forever and Im looking on suing this company asap.
10/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 76126
Web Older American
My son passed away on XXXX and he had opened an acct with Chime Financial. I dont know the exact amountbut its around {$860.00}. He had no one listed on his acct to receive his money upon death. He is divorced, and I am his next of kin, being his mother. I have all kinds of identification, including his death certificate, birth certificate, social security card, drivers license and his drivers license. I also have his Chime debit card. I also provided them with my drivers license, front and back and my social security card. They want me to go to our court system and get a small estate certificate ( which will cost me {$400.00} + ) not cost effective, since he only has {$860.00} in his acct. Im not going to spend that kind of money when I already have plenty of proof of who I am. I have been going back and forth by email with them since XXXX called and their partner, XXXX, tells me they just provide the debit cards. Chime has so many similar complaints. They just seem to hang onto peoples money!
06/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • FL
  • 33321
Web
I closed the account last year, and was thinking to reopen it yesterday, one of the agent was helping me to reinstate it successfully, however, after my reinstated chime account received a {$10.00} transfer from my another bank which I use to funding the chime account, chime suspended my reinstated account and ask me to send tones of documents to verify and explain why transfer money to chime, and ask for other bank and card transactions for last XXXXhree months, but I just reopened chime today, there is no transaction for last three months with chime, and some of the funding source I had last year already closed the account, I explained to them and called the customer support ask for a follow up, but no answer, I ask to close the account again and revert the money I transfer in, they say they cant close it because it is suspended, and they cant send money back because they dont allow to, I say What??? So chime swallow my money? Even though its just {$10.00}, I still wish can get my money back.
12/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 90033
Web
Hello, I will be attaching a screen shot of the unauthorized transactions that were made on my chime account to the certain merchant. There were first two transactions made that i right away disputed as i didnt recognize them as me doing them. Yet they denied my dispute claim and gave me some XXXX excuse as to why. I just gave up on appealing it so i moved on. A few days later again two other transactions to the same merchant were made on my account which i did not authorize. I again right away let chime know about it and how since they didnt handle or block the merchant since the first time i tokd them anout it now more money was stolen from me and they have the audacity to deny this second time also. Please help as this is alot of money for me to just let go like that. : ( I provided proof that someone else logged into my account from somewhere in XXXX XXXX, XXXX on both occasions when i live and was in XXXX XXXX. I have never been to XXXX XXXXXXXX XXXX nor have any ties to that area at all.
08/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • IL
  • 60621
Web
XX/XX/XXXX my deposit was in my account for XXXX Ive talked to several of chime representatives I was told to send emails and also verify my my self with my photos Ive been calling about my money and keep getting the same response as to send them emails and that they cant verify me I answered they security question on my phone with them every time I call name number email last 5 settled transactions and my social security number still no response and no answers to to why Im not able to log in my chime app and as to where my money I was told that there was 3 transactions that I have no clue where it came from told them to stop payment and close my account they refuse to i keep recieving emails from chime saying my number has been updated also my number and name they giving me some fraudaulant email to use just to log in my chime app with somebody elses name email and they number and wants me to take a selfie of myself and my id to got them to verify myself with this person email and phone number
11/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • NY
  • 14220
Web
I received a notification to my email that an account had been opened with Chime ( without my consent ). I thought maybe someone did this by accident, so I contacted them. However somehow someone used my maiden name, social security number & email address to open an account with chime. They were able to request a credit card to be sent to an address in XXXX which has never been associated with me. I tried to change the phone number ( which was also never historically associated with me ) on the account to recover it & shut it down myself, but was unable to do so despite providing a copy of my drivers license and taking a selfie to confirm my ID matched. Additionally they issued a bank account/routing number to my email as well. Luckily because my email was used I was able to catch this pretty quickly. Having worked in banking & XXXX auditing specifically, this was INSANE to me. Their CIP procedures definitely need to be scrutinized as this all occurred within less than 24 hours ( XX/XX/23 ).
05/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TX
  • 761XX
Web
On XX/XX/2021 at or around XXXX XXXX XXXX, I attempted to make a purchase in the amount of {$170.00} using my debit card. The charge was declined. I had more than ten XXXX XXXX XXXX times that amount in the account prior to making the purchase attempt. The bank XXXX XXXX XXXX aka Chime ] is never available via phone to speak to a live representative. Instead only chat is available. I raised my question to the virtual chat session and the person on the other end simply closed the chat session without explanation or solution. This is not the first time this has happened ; a near identical situation occurred about XXXX weeks ago. I gave up after numerous attempts at reaching someone. Furthermore, this incident occurring today, XX/XX/2021 is extremely troubling as I am currently in a XXXX XXXX, now, without access to my assets and no explanation whatsoever. Again, I do not have access to any other funds and the XXXX XXXX in this country is rather hostile, unaccommodating, and an outright obstacle.
10/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 75020
Web Older American
On XXXX XXXX XXXX my paycheck was deposited and with in minutes someone hacked my account and stole all my money that had been deposited.. I was driving down the road and pulled over in a parking lot frantic and called chime which I filed a dispute with. Within a few hours they came back and said they were allowing the transaction to go through and they found nothing suspicious! Ive never heard of th person who took my money and if they would look through my history they would see that but no they denied it and the dispute I filed the next day they denied and then denied the rebuttal against the disputes all within a few hours!!! Usually they take their time looking into the disputes but this one they have denied me 3 times and I dont understand!!! Ive been a customer for years and they have always stopped suspicious activity but they let someone take my whole paycheck without even wondering why like its ok??? Im so upset, Ive cried since XXXX and I dont know what Im going to do!! Please help
10/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • GA
  • 313XX
Web
Unfairly after a month of a dispute asked to pick back the temporary credit in full during a time of hardship over a false transaction I didn't even authorize. The person who put in the dispute was disrespectful and filled out the dispute without me even answering most of the dispute questions. I asked for a rebuttal and a reach out and instead they close the rebuttal and hour not even giving any time to look over any documents or verify anything. If it was that easy to get information from the merchant to resolve this I wouldn't be going through them to dispute so one or both them are lying and being uncooperative. Everyone that I talk to has been rude incompetent, emotionally disconnected going off of a script. I have been lied to hung up on and given false promises over and over again with lack of anyone else taking responsibility on their end. Business just want to get over and I feel that I am being taken advantage because I don't have reputation and I rather not make this a legal issue.
08/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 78744
Web
Hello, This complaint is against my bank - chime. On XX/XX/XXXX my bank account was hacked and over XXXX fraudulent transactions took place in my account in the middle of the night where a scammer sent over {$500.00} to a cash app account. All 26 transactions took place over the course of 30 minutes which was not flagged or blocked by my bank ( chime ). I woke up and discovered my account had been drained to {$11.00} and i filed a dispute immediately. Chime then proceeded to tell me that I wont have an update on this case until XX/XX/XXXX, 90 days after this incident happened. No credit or refund was issued to me even though I did nothing wrong and am supposed to be insured as a customer. I was left with basically no money in my account and no way to cover the rest of bills. Chime keeps giving me the run around here and I need to file a complaint against them to get reimbursed for this fraudulent act. Any other bank would clearly identify this as fraud and insure their customer, chime is not.
04/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AL
  • 35215
Web
XXXX XXXX i woke up to a email from chime stating my account had temporarily hold on my account at XXXX. I then open my chime app and discovered the amount of XXXX on my account and the money from my savings in the amount of XXXX had been transferred to my checking account and 51 unauthorized transactions from XXXX XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) starting at XXXX XXXX. I proceeded to contact chime banking the started an investigation to dispute all 51 transactions I was told to email anything to help my claims I emailed my drivers license, XXXX XXXX XXXX statement and work time sheet. A few days later I received a email saying my claim was denied. I called chime again I spoke with a supervisor and explained to her its no way I couldve sent those transactions and I explained to her my car was in reposition and bills are due Im a single parent and that was all the money I had saved because my work hours got cut .she reopen the case and denied it again the next day.
02/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WA
  • 989XX
Web
This complaint is regarding a processing payment that was " declined '' by my bank chime.. i contacted north coast credit about it and they told me they returned it.. i contacted chime and they told me that, that transaction of XXXX $ didn't show up in my account transactions. I had XXXX in my chime checking account before making my XXXX at XXXX XXXX loan payment that i share with my mother XXXX XXXX. So i would like for you guys to get to the bottom of this. Why was it declined when it was being processed and minused at the same time from my chime account. I want my money back. And here is the proof I was told to provide. Also you cant processe no payment and get confirmation number with a " thank you for your payment '' email if i had " insufficient '' funds.. both these agencies are going back and forth with me and im super stressed and dont know what is going on but one of them has my money that was for my payment that didnt get paid and that is stealing from me which is against the law.
07/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 33073
Web
Issue with Chime app/the XXXX XXXX Date:XXXX Amount : {$90.00} I sent the amount of {$90.00} through Chime app to one of my contacts ( this is the second time making a payment for this specific person/contact number ). The recipient claimed he didnt receive the money. I checked my emails and had emails from Chime under the name of a different person ( not even on my contact list ) I called Chime and the representative I spoke with confirmed the money was sent to the wrong person due to a system error, but although it was an internal mistake, they still didnt refund me the amount nor attempted to resend to the correct beneficiary, instead they opened a dispute claim # XXXX. A few days later I received a denied dispute email from Chime. Meanwhile I got harassed due to the fact chime failed to send my payment to the right person, Later had to resend the same amount this time using XXXX and my {$90.00} are nowhere to be found and Chime doesnt seem to be able to explain where did my money go
07/07/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • WA
  • 990XX
Web
XX/XX/XXXX my account was hacked into and they changed my email and phone number. I had no access to my account. I called chime and they to email them my email so I can get back into my account. Providing my SSN and my account phone number. And wait a couple of hour and I could get back into my account. But when I was verifying my account they told me that there was XXXX transfered to someone I have never talk to that had another chime account. They file a dispute on the transaction it has now been 9 day and I havent heard anything. But than today XX/XX/XXXX I get my unemployment benefits and within minutes of having it a different person was spending my money the first one was for XXXX the second one was for XXXX. I call chime and they told me that they can't do anything til the transactions has stop pending. And that they can send me a new card. I change my email and password the first time this happen. I personally think it's wrong that they can't do anything. What kind of people are they.
05/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 125XX
Web
I filed a dispute with chime for hotel stay, at XXXX XXXX XXXX, the hotel was misleading and over charged, the hotel was bathroom was inoperable, XXXX continued to come up from the toilet when flushed and the hotel room smelled like XXXX and XXXX, I talked to the hotel XXXX and was not given a new room or any relief, I sent chime bank pictures of the toilet with the XXXX coming up and the toilet not being able to flush, I spent {$850.00} dollars on this hotel stay and had to borrow money from my father just to find another hotel to stay at, I live in XXXX and I was in XXXX XXXX XXXX and was stranded because the hotel didn't want to switch my room, so i left the hotel and had to find another one, I filed a dispute with chime for XXXX booking of the XXXX XXXX XXXX for {$550.00} and {$300.00} dollar dispute for the XXXX XXXX XXXX for over charging my debit card, when I didn't stay there, I need help getting a refund, this all of the money I had. I never stayed at the hotel and was still charged
05/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 752XX
Web
On XX/XX/2023, Chime notified my via email that both my checking and savings account were closed because of a breach in their policy and suspected fraud. I was advised that this could be resolved by sending the requested documents validating my identity. I provided this to them via email. I called them also and was told that I would receive my closure check ( remaining balance {$2000.00} ) within 30 days of my account being closed. I reached out to Chime multiple times for an update of my account status/closure check being mailed. I received the same info with different reps telling that their support/detail/back office team would correspond with me ( within 12-48 hours ) via email once they viewed my documents. I also resent my documents via email a few more times as well as calling Chime customer service. Up until this date I have not received my closure check or had my account reopened upon sending them valid documents. No one have not contacted me regarding this matter by phone or email.
08/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • DC
  • 20032
Web
I report this all as unusual transactions that was made on my account in the month of XXXX that started over the range XXXX XXXX XXXX. Are reported this as fraud in unusual unauthorized activity that I did not have any knowledge. Transactions as follows {$150.00} XXXX XXXX {$10.00} XXXX XXXX {$250.00} XXXX XXXX {$25.00} XXXX XXXX {$75.00} XXXX XXXX {$120.00} XXXX XXXX {$29.00} XXXX XXXX {$360.00} XXXX XXXX {$200.00} XXXX XXXX {$25.00} XXXX XXXX {$240.00} XXXX XXXX {$25.00} XXXX XXXX {$100.00} XXXX XXXX {$20.00} XXXX XXXX {$100.00} XXXX XXXX {$10.00} XXXX XXXX {$160.00} XXXX XXXX {$250.00} XXXX XXXX {$17.00} XXXX XXXX {$19.00} XXXX XXXX {$25.00} XXXX XXXX {$80.00} XXXX XXXX {$220.00} XXXX XXXX all these transactions listed above I reported as very unusual activity and fraudulent. I would like this case reopened and my money refunded back to me because their fraud protection department should flagged as Sporadic in random activity given all the dates that they withdrawn back to back like this.
08/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • DE
  • 19958
Web
On XX/XX/XXXX XXXX XXXX refunded me to my chime account. XX/XX/XXXX Chime Received the refund XX/XX/XXXX Called chime to figure out how long it would take them to refund my account. Was told 5 business days. XX/XX/XXXX Called chime again and was given a support ticket and was told someone would call me within 2 hours. 7 hours later and several managers/supervisors, I noticed a change on my account statement. It says on the 19th, I overdrafted {$85.00}. I informed them that it was impossible because I can only overdraft {$55.00}. They changed the balance on the report to keep my refund. XX/XX/XXXX Another support ticket was created, still NO response about it. XX/XX/XXXX On the phone again trying to figure it out, cant get a single person willing to help me, Chime stole my money and altered my statement. They refuse to acknowledge their mistakes. I still dont have my refund. Cant get anyone in the United States, and the same repetitive responses that are simply incorrect. I want my money.
08/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 780XX
Web
I was the victim of identity theft and my account and debit card were charged without permission at certain merchants. I notified chime bank and have have submitted multiple disputes with them with, only to be denied on 95 % of the charges. They even denied a lot of charges at one merchant while refunding a few, " handpicked '' charges so they could look like they were actually investigating. After repeatedly asking for proof and documents every time i submitted the dispute, they came back with " merchant says they are not responsible '' and denied. Well i already know the merchant says that because i contacted them in the very beginning and chime evidently doesnt understand i am disputing with them, my bank. Chime evidently is unaware of the law and never issues temporary credit while doing their " fake '' investigation. I will attach the list of charges and results, you will notice they denied the majority of " XXXX '' but accepted a few of them, showing how inconsistent and fake they are.
03/29/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • IN
  • 47130
Web Servicemember
Hello. This is about Chime. The support department is refusing to honor a referral bonus request made after several of their employees promised me that myself and the person i referred would receive that bonus in return for our patience due to a mistake on their part. they are now constantly trying to convince me that they did not say this when the line was recorded and three different people already promised that the bonus would be applied to the accounts in question. this is not about the bonus anymore this is about rectifying the fact that we were lied to and honoring a promise made. they have been rude, belligerent and quite unhelpful. despite the fact that we would have never made the account with them had we known how willing they are to lie to their customers. do not make a account with chime. it is the height of false advertising ... and their customer service lies to you to get you to agree with them making false claims and false representations about their accounts and services.
11/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Refund anticipation check
  • Fraud or scam
  • TX
  • 76112
Web
So back on XXXX the XXXX on a Sunday I went to a salon shop to get my hair done I had swiped my card there 5 minutes after I left I got some unknown transactions that I went to a gas station ( XXXX ) and it had took all of my money out my card I immediately called my bank ( chime ) I let them know that I got scam someone took my money they even blocked all transactions for me and gave me a replacement card I even called the police and report it and I got the police report so days goes by my bank had refunded me half of my money but not all of my money I ask why I cant have all of my money back they said they needed proof so I sent them the police report that I made that day and I sent them screenshots and proof I was at the salon that day and they still wont refund me my money back and each and everyday I keep calling and asking for my money back because they took a lot of money out of my card and I work hard for it I just wanted my money back I cant loose my money not like this please help
10/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TN
  • 37130
Web
I tried to send money to my friend on chime using her phone number and the amount was XXXX $ but she didn't recieve the money someone is using her number but a different cash tag so the money didnt go to her. I explaiined this to chime multiple times that the money sent to the wrong person and they still won't fix the issue shee even called them her self and explained that she didn't get the money and how I looked her up with her phone number. When I first requested the money back she got the request to her phone but the newest few times after she wasn't recieving a request for the money back I have screen shots and phone records showing that we called chime and each other as well to resolve the issue even with her on three way and the won't send the money back. She is down in Florida with her family I know XXXX $ isn't much but right now it was a lot for her to feed her family and I can't even do that anymore. The money was. Supposed to be sent to XXXX XXXX XXXX person who got it XXXX XXXX
10/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 90038
Web
My Chime Bank Debit Card was used XX/XX/XXXX for an Apartment Application Fee & Holding Deposit - {$340.00}. The Apartments say Chime took ALL of the money back claiming I didnt have the funds to cover it, but I did of course & the funds cleared right away & have never been refunded to me. The bank seems to b a foreign-held XXXX company here is the US & is doing malicious business practices. I only get XXXX when I call- they dont like to speak in normal contexts. And they continuously sent & send me weird emails saying that they have written updates for my case, but theres absolutely no communication from them at all. Then they say ( in the same email ) that they r closing my dispute because I havent responded to their invisible/fraud communication. Well its my XXXX money & now I have no money to eat or buy gas, or pay any other bills for the rest of the month. I have a strict diet, so I cant use food pantrys. XXXX XXXX & disgusted more & more at the XXXX politics in this country.
01/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 705XX
Web
I have a chime account that has been locked since XXXX XXXX. I have called and emailed chime multiple times since XXXX, XXXX, XXXX, XXXX, and XXXX. Ive emailed them at support@chime.com and review@chime.com including sending the requested documents including pictures of govt. ID, Social Security, proof of address, etc. and I still havent received any response from them. When I asked them why my account has been locked they said it wasnt in compliance with chimes policy and I ask them how and they didnt give me a clear answer on how my account wasnt in compliance with their policies. We are now in XXXX of 2022 and I dont know what to do I even requested they close my account and mail my funds to my address and they even denied that so I just wan na know what I can do to get them to respond and unlock my account, I havent been able to pay my bills, my phone is off, i am now living with my mother cause I couldnt pay my rent and Im down right now so if you can help me please give me a response
04/05/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • CA
  • 91324
Web Servicemember
Created account with Chime and transferred just over {$230.00} into the account. Logged out of app but could not log back in. Accessing Chime by phone app, tablet, and laptop results in infinite loop - I enter required information, complete captcha verification, and receive error code. Calls to 800 number are unproductive as the number leads to an answering machine that refers me to the app / email. Emails are unproductive because they recommend steps and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. I contact email support, they make recommendations again, and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. I contact email support, they make recommendations again, and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. Another infinite loop.
01/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MS
  • 394XX
Web
XX/XX/2022 a fraudulent charge hit my account of {$2900.00}. Before this occurred I received an email stating someone had logged into my account password and changed my phone number number out of XXXX, Colorado.. I immediately called the bank and by the time I went through automation and spoke with someone the charge had hit my account.. Chime explained I would have to call back once the charge settled. I called back Friday to file dispute. Not even seven hours later they closed my dispute stating the transaction was not suspicious. I filed a police report here locally and in XXXX, Colorado Police Dept and spoke with store manager of XXXX XXXX where the transaction occured. Everyone except Chime financial is doing there part to help. I have worked so unbelievably hard for that money and when someone steals my bank information and makes a purchase in a state I've never been. Chime declines me and refuses to do their part. I was XXXX. police report was filed with both states LA XXXX CO XXXX
11/19/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unexpected or other fees
  • TN
  • 373XX
Web
Im a member of Chime banking. I have their app which I use often and they are a scam now with atm fees by having a in network atm and out of nowhere changing it with no warning and adding a fee for out of network. There has to be regulation for that or anyone can do it and set people up for a large amount of fees. There should be a law requiring they update changes so people do not use what is once a in network atm and avoid fees. They changed it out of nowhere and I got a fee they refuse to do anything with. Its their fault they fail to notify people of changes and it was one I used often and not even weeks from when a charge was applied. Unexpectedly changing in network atms is not acceptable and is a scheme that must be addressed. Otherwise I and others can open processors like them and get away with wracking up the same kinds of fees changing it out of nowhere in people. Something better be done about their scheme. It is unacceptable and will not be tolerated stealing money like that.
02/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 935XX
Web
I have no clue where The charge came from. Upon further investigation that I did myself The bank told me that the charge was made in XXXX which is on the other side of the United States from where I was at and reside when the charger was made ( I live in XXXX ) I filed a dispute with my bank and they told me that they were denying my claim due to the fact that I had possession of my debit card and I memorized my pin. When I looked into this matter further the bank told me that the card was not swiped it's not swiped but it was a charge that was taken over the Internet for the Internet and that the pin was not entered or even used during this transaction because it was an online matter so there grounds that they are denying my claim upon are not even relevant. A few days prior to this happening I had lost my wallet in a XXXX XXXX XXXX but it was returned to me so there was a period of time when I did not have possession of my my debit card and I notified my bank of this during theDispute
04/03/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • TX
  • 75904
Web
Chime Bank has stole over {$1000.00} from my account. This particular transaction posted at the XXXX, Texas XXXX on XX/XX/XXXX, XXXX XXXX. I have contacted XXXX and this Transaction is nowhere to be found in their system. Also, XXXX XXXX XXXX is closed at XXXX. I have contacted Chime multiple times to files a dispute. Unfortunately, they closed my case without doing any investigation. I am now stuck with a near - {$900.00} balance that my XXXX direct deposit has went toward. I am still with over a - {$200.00} balance because of this. I have an active police report filed through The XXXX Police Department, a copy of my statement, proof of an overdraft limit ( Spot Me ) of {$20.00}, receipts of previous transaction that are time-stamped and match exact times associated with said transactions found on my statement ( this proves real-time notifications ), as well as transaction ID 's and other supporting documents. I am in the process of receiving other documents from the Detective, as well.
12/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • FL
  • 34287
Web
On XX/XX/2021, Chime bank sent me an email informing me that my account had been placed on " hold ''. However I found myself completely blocked from all access to the account, an Chime support team asked for documents verifying some of the account activity ( specifically both {$10000.00} & {$20000.00} deposits made from XXXX XXXX, a company contracted by online gambling site XXXX XXXX XXXX. ) I'm in proved all the asked for documents including a detailed list of all transactions depositing funds from the cash in outs I had made in the online gambling platform ; still this was not sufficient for chimes support team. I continued trying to satisfy their verification requests until they started asking for verification of transactions that did not even occur on my account, and eventually they closed the account completely and still are refusing to return the remaining balance still in my account, a total of about {$10000.00}. I've been trying to get this issue resolved for over a year now.
11/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • AZ
  • 85326
Web
As of XX/XX/2022 I had the amount of XXXX stolen from my account via XXXX XXXX. I submitted a claim along with all the transactions & a filed Police Report of the incident & I also had witnesses sign and signature that I was at work at the time that Ive noticed my account and money being taken. Chime XXXX XXXX Denied the return of the funds, saying that they seen nothing wrong and there is no error that occurred. So I XXXX XXXX XXXX waited a couple months preferably 2 to be exact after refilling a rebuttal and still the same out come, now I have refilled another rebuttal and there telling me I have to wait until next year for there investigation to be complete in which I know that they keep denying it along with pushing for next year because there is a expiration date to file and complete a rebuttal and Im being cheat out of my funds because chime XXXX XXXX wont refund my stolen funds. Ive sent letters Ive sent letters to sue them Ive reached out to chime and yet nothing is being done.
10/24/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • KY
  • 41005
Web
On XX/XX/XXXX I used my Chime account to make a ( pay anyone transfer ). It is advertised that someone without a chime account can receive a text and a secure link to receive money without having to sign up for Chime. I owed someone XXXX and sent the transfer to their phone number. This person doesnt have a chime account. After the transfer was sent the person that was supposed to be receiving it did not get a text message with a link from chime. Instead, the lady that used to have the phone number ( previously owed the phone number ). Received a chime to chime transfer of XXXX. The person I was paying bought a new phone and got a new number 2 months before I attempted to send money to him with the number. The lady that previously owed the number didnt update her chime account and take the number off. I have disputed and rebuttaled with chime and they continue to deny my claim and tell me that they consider this matter closed. The wrong person received my money and they could care less.
03/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30253
Web
I was reviewing my statement from XX/XX/XXXX on my chime app account I noticed 2 errors on the billing statement that was incorrect it was for an ATM cash withdrawal for - {$500.00} on XX/XX/ that I didnt authorize this EFT transaction I contacted chime to start a dispute but since it was pending at first they said I had to wait until it settles on my transaction list. A chime customer service also said once money settles it should come back to account it never did and Ive heard nothing back about it yet and this is money that has been taken from me I was given a dispute number XXXX and XXXX by a chime customer service rep. for this error but still havent received my funds back into my account for this unathorized transaction The second error on my billing statement that was incorrect was for another unauthorized EFT transaction on XX/XX/ for {$500.00} I didnt authorize this transaction and money has been taken out of my account I emailed chime support and have not heard anything back
05/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 93534
Web Servicemember
On XX/XX/XXXX Chime closed my checking account with {$9300.00} in it for no reason at all. Since they closed my account, I can not talk with them. I have to email their support. I emailed 45 times. Nobody has emailed me back. I called the XXXX XXXX n they transferred me over to the escalation team at Chime. On XX/XX/XXXX that team said the check for everything in my account was already requested n would be sent out. On the XXXX when I called back to verify, the next person did not know what I was talking about. I filed a complaint with the XXXX. They will not email me ever but they contact XXXX right away with no problem. I have given them my id, XXXX XXXX XXXXXXXX, proof of my XXXX, proof that all my money is legal and im not doing anything illegal and they still do not answer and keeping my money. I want my money back. They can keep their Terrible account I have opened other bank accounts. I just want my money back that was in my account. That was my entire savings n I want it back.
11/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 90066
Web
I was contacted via Chime 's support number by someone with my name, my user name, my debit card and my social security number. They gained access to my account and possibly cloned my debit card and made 7 transactions from XXXX XXXX PST on Saturday, XX/XX/2020 until XXXX XXXX PST the same day totalling {$8200.00} ( nearly all of the funds in my account. ) These transactions were made by another chime user ( {$2000.00} to " XXXX XXXX " And the rest was made to " XXXX XXXX '' in North Carolina. I have read on XXXX about many people having this same issue with Chime, and it isn't just the customer 's fault. Chime needs to do something about user security. I work very hard for my money, and it is all gone. I disputed these transactions the minute they happened with Chime 's support, as well as filed a police report with the XXXX XXXX Police Department, emailed The XXXX XXXX, filed a report with IC3.org and the FTC, as well as made a claim with the XXXX. Please help me get my money back.
04/19/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • TN
  • 37138
Web
On XX/XX/2023, Chime Bank closed my account that I had created with no reasoning why. The account was created for funds that I was personally using to pay for bills as a fraternity president at my school. I suppose that Chime did not like this and that is why the shuttered the account, but it is only speculation as they will not tell me why. I have been in contact with Chime support through email, which is the ONLY WAY they allow issues like this to be solved through. A representative of the company sent me an email on XX/XX/XXXX, stating that the funds inside the account should be sent as a check. The next day, another representative sent a clearly automated message that stated I was NOT ELIGIBLE for a refund. I reached back by phone and email to inquire which message was the truth, and I have yet to receive a response. I need the money from the closed account back in some way shape or form, as as far as I know, Chime is legally required to send it back even if the account is closed.
07/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 761XX
Web Older American
In XXXX of this year I had my social security money deposited into Chime an online bank. When the money was posted tomy account t was almost immediately taken along with the 4 dollars i had in the account..I immediately called Chime customer service and tried to get them to stop the transaction they refused. total amount taken was XXXX all the money i had to live on. I filed a dispute with them after waiting almost 90 days the told me the transaction was legitimate and they weren't going to return anything. I.ve tried everything to get them to reverse this rediculous decision to no avail. i have filed a police report I have contacted the Federal Trade Commission and the Social Security Administration about this matter. I asked Chime to send me all the documents they usaed to come to this conclusion the only thing I received was a statement of the activity on the account. I don't see anything that pretains to any sort of investigation. this has caused me tremendous financial hardship
04/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • AL
  • 35242
Web
On XX/XX/XXXX, Chime systems were down. In the process of their systems being down, I attempted to transfer funds from that account to another account. The transaction declined on one end, but showed pending on Chimes end. I called And spoke with a representative that day who said that it will be back in my account that day. The next day it was still pending. I reached back out and spoke with another representative who told me it could take up to 3 days and to call back. On Friday, the funds were still pending. I spoke with a supervisor named XXXX who assured me it would be back in on the seventh day. On XX/XX/XXXX, I spoke with chime again who advised me to call back. On XXXX, I spoke with a supervisor named XXXX who told me I could file a dispute that will take up to 90 days and theres no temporary credit to be applied. It has been seven days and the transaction is still pending and Chime will not release my funds despite seeing that the transaction was cancelled by the other bank.
08/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 445XX
Web
On XXXX I XXXX chime to see why in my chime app it had said card delivered but when I checked my mail i never received it so that is when I dialed XXXX the number on XXXX with the chime logo XXXX etc, ,THEman answered & said hello this is XXXX how can I help u, I then informed him that my card said it arrived but I never received it so he then stated I would need to do a secure verification where I send the funds to the secure account & then the fund would go automatically to my temporary card that they send u virtuall.I was under the impression I was talking with a chime representative, I have direct deposit thru chime for my paycheck this is my 4 year with them this is absurd.I disputed it 4 times to get the same run around & the last time I asked to speak with a manager or supervisor he got on the line & stated no customers never receive the money back like I thought that was very unprofessional I would never to business with chime after this nor will I recommend then to any one
04/05/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • LA
  • 700XX
Web
I explained to Chime Immediately that I sent funds to wrong person., ( They had same first name ) I've never used this type of service, nor shown how to do so. I was in tears. They said they opened a fraud dispute. It was denied I wanted it reinvestigated. It denied again. In one night I sent out XXXX $ twice one to the right person, and 1 -XXXX $ to wrong person. It was an honest mistake, I notified them immediately, I have records, transaction history, and emails to these people, I can't get any supervisor are human to help me.. I ln sure I'm not only one in the world who has made a mistake due to me not knowing how to use this kind banking, nor was I ever shown, not even a video do they send me to assist. I'm below poverty level. I live on my Social Security benefits less than XXXX a month. I need ever cent I get and then some please help me find out where my money is and they give it back. I'm old. But I'm not stupid. They don't even answer my emails.they make me feel WORTHLESS.
09/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • GA
  • 30350
Web
Chime, the XXXX bank closed my account without notifying me. Although most banks will send you mail or email notifying you that they closed the account. After speaking with them because i do think it is a mistake After speaking with them for hours talking to different people Nobody could tell me why or how my account got closed. I do not engage in any illegal activities so I know nothing fraudulent was done. However chime is my main bank account been with them well over 2 years I pay all my bills through my chime so it has been a huge inconvenience because I was logging in to actually pay some bills then seen the account was closed so now those bills are behind and has hit my credit already and will Be behind even more waiting on the check I am in the process of getting a new bank account with someone else so I can get my check direct deposited into that account but I wont get paid till next Friday so now I am broke & struggling with bills right now because of my own banking company
09/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 32117
Web Servicemember
I recently started to use a chime account I have had for a while because it allows early access to my XXXX XXXX XXXX I found that some how my account is be accessed fraudulently and using my account as they will on a XXXX XXXXXXXX thats also fraudulent because the account I had was closed due to misuse by other people. Im also being charge by a XXXX XXXX or site that I have no knowledge of. I reach out to them but I got no answer in phone or reply email. I disputed the charges with chime and was giving a provisional credit but before I knew it was there it was sent to someone on XXXX XXXX and XXXX XXXX I told them that I dont currently have a XXXX XXXX and I dont know this site. They denied most of the disputed charges and reversed provisions that were give. Even tho i never spent any of the credit. I havent allowed anyone access wnd My card hasnt be stolen so idk how this is my fault. Im only living off that right now and they have allow more than if it to be taken at my expense.
08/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MO
  • 65803
Web
On XX/XX/2022 I submitted a help request to XXXX because I could not log in to my account and access my funds. They then sent me a re-verification email asking me to provide an ID verification. I sent a copy of my US passport. On XX/XX/2022 I asked if there was any update on my case. They replied that they were working on my issue. On XX/XX/2022 I received an email that my account was being closed. There was no mention as to the reason or that my funds would be returned to me. They simply sent a link to their policies. After reviewing the policies, I was not in violation of any of them. Calling their number ( XXXX ) says to email XXXX. After emailing them, they said that they can not give me a reason as to why and will not confirm that my funds will be returned to me. I had over {$1000.00} in my account at the time of cancellation. I have not been able to access my account since XX/XX/2022. It was closed without warning or without clear indication my funds would be returned.
12/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • TX
  • 78239
Web
I was contacted by a representative named XXXX impersonating a tech support from my bank company Chime. I was told I was having issues with my account and needed to transfer money in order to authorize a purchase I made on XXXX XXXX. He stated my account expired and that I needed to transfer my money into the new account. I proceeded to send {$2000.00} through XXXX on chimes app to a XXXX XXXX ( XXXX XXXX XXXX XXXX I proceeded to contact the actual chime support to let them know what happened and was told there was nothing that could be done for me. I called again to see if I could file a dispute and was told it could take up to 45 days and thats only IF I qualify for a dispute. I am currently out of {$2000.00} with XXXX dollars left to my name. This is has been the worst experience of my life as I am trying to move into an apartment in 2 weeks but now will be homeless due to this incident. I am reaching out to see if there is anyway possible for you to help me resolve this matter.
09/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 321XX
Web
I am having identity fraud an someone is using my info to apply for credit cards loans cars and more they have put 24 hard inquiries on my credit report took out 2 loans an phone accounts. They have changed my passwords to hack emails and changed phone numbers putting a bunch of notes in my credit report. Ruined my credit I was fixing an had almost a XXXX score and rebuilding on XXXX now it's XXXX I need help no one is helping fix this an now using my government account I don't know the phone number an email passwords to the accounts because I have been hacked how do I fix this an change my account with all proper information and rid the incorrect information on my report do to fraud I have dispute over an over they even stolen my chime account information but chime won't shut the fraud account down an XXXX XXXX was hacked and they wasted about 5 hours an still can't access it please help getting back in my accounts an rid inquirys 24 fraud an repeated attempts for same credit card
06/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 75216
Web
I was contacted by a landlord for a rental property I inquired about online. They texted me and called me with all of the information. Had me to go online and submit my ID and I submitted a picture of my passport then I was instructed the application fee was {$75.00} and I also paid a {$400.00} deposit. I was then sent an email saying that I was approved to move in. I was also told my move in date is XXXX XXXX and I can meet them in person to pay my rent and get the keys and my lease for the house. I was contacted by the real management company for the house and I was confused and told them someone had already approved me for the house. They told me they don't know the person or the telephone number that I was called from and that I was scammed. I was also told I was given the incorrect amount of monthly rent and they told me the real rent of the house. I am worried because now this person has a picture of my passport and my amount info and my entire identity and now have my money!
03/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 33432
Web
On XX/XX/2023 at XXXX I received an email stating my phone number on my account had been changed to XXXX. I received three emails subsequently notifying me of new logins starting at XXXX by device XXXX XXXX in XXXX, FL XXXX XXXX XXXX XXXX by device XXXX XXXX in XXXX XXXX, FL, and a final notice XXXX XXXX by device XXXX XXXX in XXXX XXXX XXXX, FL. At XXXX, {$3000.00} was transferred from my savings to checking account. A payment of {$1900.00} was transferred to $ XXXX and a second payment of {$980.00} was made to $ XXXX. These transfers were not authorized or approved. I do not know how these people were able to access my account, but a representative within the company confirmed to me yesterday that my money has been transferred to another Chime account. I dont understand how I can be held responsible for a security breach on their end. After filing several complaints, including with the police and the FBI, and reviewing the XXXX I have discovered this is common within the company.
08/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30315
Web
I was at airport in XXXX I attempted to use card at a XXXX it was declined I immediately check the app and noticed that their was two cash withdrawal and XXXX fees this was Monday XX/XX/2022 around XXXX XXXX or maybe a little later one was for XXXX with XXXX fee at XXXX XXXX and another at XXXX XXXX for XXXX with XXXX fee and they tried again for XXXX dollars a minute later and ut was declined. I immediately ask airport worker where I should go to report it but it was on the other side of airport I would have missed my flight then I contacted chime they said there is nothing they can do because withdrawal was pending I said if pending can u stop they said no I would have to call back when it's not pending. That was on Thursday XXXX so I called around XXXX XXXX to make claim and later that day I received email saying I was denied they will send me another card. I believe I was scanned thru my purse and they got my info I had a companion with me they will give statement if necessary
06/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • PA
  • 15236
Web
On XX/XX/2022, I received a Chime visa debit card in the mail that I did NOT apply for but appears that someone else did. I tried calling Chime at the number on the back of the card at XXXX, but there is no way to reach a human representative through their automated phone system. I tried calling The XXXX XXXX at XXXX only to be put back into the Chime phone system. On XX/XX/2022 and XX/XX/2022, I emailed XXXX to report the fraud and close the account. I've only received automated responses that my request has been received and is being reviewed by their member services team. On XX/XX/2022, I filed a fraud report with the XXXX XXXX, PA police department. On XX/XX/2022, I confirmed that my fraud alert is still active on my XXXX account. The fraud alert is also on XXXX and XXXX. I am a victim of fraud and identity theft. Chime will not respond and close the account. I do not want to activate the debit card and have no way to verify if there is any activity on the checking account.
11/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • PA
  • 15108
Web
I have a Chime account and have use Chime 's referral program to make referrals to my friends for opening their new Chime accounts. I know for sure that so far 6 of my friends have opened their Chime accounts and also have made at least {$200.00} direct deposit ( each person ) into their Chime accounts. Based on Chime 's referral program, I should receive {$100.00} referral bonus per person and so I should have received at least {$600.00} referral bonus now. However, so far I have only received total {$300.00} referral bonus. I reported this missing referral bonus issue to Chime customer service, but this issue has not been resolved yet. I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay. For Chime 's info, one of my referred friends is XXXX XXXX XXXX name ) and his email address is XXXX Again, I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay.
01/14/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • FL
  • 33432
Web
I had a savings account with Chime with {$60000.00} in it. Chime said they were giving 1 % interest and that is why I opened the account. This was the first scam. They quickly cut their rate in half. Because I was not receiving the interest rate that I expected, I started transferring funds out of the account. Because I tried to transfer funds to my XXXX savings account, they closed my Chime account. My account has been suspended for a week and I have not had access to the money. I call them every single day. They tell me it will only be another day or two. I spoke to a supervisor named XXXX who promised I would have the account open either yesterday or today. I had to call again and I spoke with a supervisor named XXXX who was very rude. She told me that my account was closed. She would not tell me why. She would not let me update my address. She told me that in 30 days a check will be sent to an old address that I dont live at anymore. I need this money ASAP. This is my savings.
01/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CO
  • 80909
Web Servicemember
On XXXX XXXX, 2022, I had listed an item for sale on XXXX XXXX. I was messaged from an " interested '' party, so we went ahead with the sale. I was told she sent the {$65.00} I was asking for to my Chime acct. Said person messaged stating to make this money transfer go thru, she needed to send {$400.00} if I would send it back immediately it would activate the sale. I've done similar things to activate sales from certain places, so I went ahead with it. I also received an email that looked extremely legit, about the transaction. I was then told I needed to send another {$800.00} over to a man named XXXX XXXX, for " tax and vat. '' After sending the money, I received another email stating I needed to send another {$1000.00}, to lift the hold on my acct. The verbiage used in these later emails was off and I realized I had just been scammed. I have screenshots of the emails from fake Chime to attach to this complaint. Chime told me twice they aren't going to help me recover my money
07/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19606
Web
I noticed 12 authorized transactions under my credit builder transaction history on my chime account. Some were processed some were still pending. There was all little random amounts adding up to around XXXX . I made a dispute and they emailed me saying there is no billing error and they going to email me what they used to come up with there decision. I have yet to see it. Im just so upset Im not rich I work hard for my money for someone to take it and my bank that I been with for years to say theres no error. So I called them after seeing the email I called and asked why didnt they approve my dispute they said All they can do is give me the information that they use to come up with their decision or they said I can do a rebuttal but I have to come up with new information that I didnt give them the first time so I dont have any new information because I just checked my account one morning and I seen all these transactions so I just called them and reported it and then that was it
09/15/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MA
  • 01089
Web
I have had Chime Bank through the XXXXXXXX XXXX for a little over a year, and had thousands of dollars moving through it from employment, to tax returns, and unemployment. Chime bank Abruptly decided to close my account on XX/XX/2020, with out my consent. I had a total of {$6700.00} between my checking and savings accounts. I have repeatedly tried to have chime refund my money to me with out any success. They claim to have returned the funds back to the Massachusetts Department of Unemployment Assistants PUA. I have called Unemployment numerous times over the past 6 weeks. Seeing as I still have an active claim with them, they have informed me that they have not received any funds from chime bank on my behalf. The Unemployment office also indicated to me that they have had a lot of issues with chime bank, stating that the bank has not been returning peoples money. So I am hoping this agency can help me resolve this issue seeing that this bank took my entire life savings from me.
03/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OH
  • 43920
Web
Chime reached out via email asking for proof of identity, or they were going to lock my account. I was surprised because Ive been a customer for four years, but knew I needed to send my license ASAP. However, I have XXXX kids, including a XXXX and XXXX so I forgot. When they closed my account, I immediately remembered and sent them the document they asked for with an apologetic email. They replied asking for more documents ( utility bill, social security card, etc ) so I sent those as well. Ive received virtually no correspondence since. My emails go unanswered besides generic replies asking me to submit the documents ( that Ive already submitted a week ago now ) all of my phone calls go to representatives who give the same generic response- We will urgently send this to the appropriate specialists and theyll reach out within 24 hours yet still no word from said specialists. They wont unlock my account or even keep me updated, and like I said, I have XXXX children to care for.
07/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CO
  • 80112
Web
On XX/XX/XXXX, I went to buy money orders to pay for my rent but the transaction was voided and I wasnt to be charged for the transaction. However, chime preemptively debited my account for the entire amount. The merchant provided documentation showing they do not have the funds on their side and I filed a dispute with chime. They told me that I would have to wait until they contacted the merchant even though they had all the information they needed. I then asked this to be placed in the correct category for unauthorized transaction as it should have originally been set too. Chime said they changed it and never actually worked on my issue at all. During the whole month I only received any communication about this when I would call them until I called everyday then they sent a generic email tasting they are working on it. Ive also heard differing stories from management and their employees. Ill hear that the money was taken by mistake and then Ill hear from management this is not
05/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 76227
Web
Starting on XX/XX/XXXX there were unauthorized charges on my account with Chime. I live in Texas and the charges made are in XXXX XXXX, NV. Below I will be listing dates and amounts. XXXX XXXX- {$26.00} XXXX XXXX XXXX- {$13.00} XXXX XXXX XXXX XXXX XXXX- {$14.00} XXXX XXXX- {$86.00} XXXX XXXX- {$200.00} XXXX XXXX- {$11.00} XXXX XXXX XXXX- {$120.00} XXXX XXXX XXXX- {$41.00} XXXX XXXX- {$11.00} XXXX XXXX- {$11.00} XXXX XXXX XXXX XXXX XXXX- {$17.00} XXXX XXXX XXXX XXXX XXXX {$21.00} XXXX XXXX XXXX- {$9.00} XXXX XXXX- {$24.00} XXXX XXXX- {$22.00} These are all the charges that I did not authorize and Chime will not help me. I disputed them all and a day later they denied my claim. I spoke with another supervisor who said I provided more evidence for my claim and they denied it again. I have yet to receive documents showing me why they declined my claim and every time I talk to someone they say it can take up to ten business days. Can someone please help me with this unlawful bank.
12/13/2020 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • PA
  • 18017
Web
I received an email stating that my account was suspended for suspicious source of funds picked up by their system. I tried getting in contact with customer support but customer support was very unhelpful and would barely reply. Less than a week later despite, despite trying to get help from support, they tell me my account has been closed for violating their internal policy and that I am not eligible for a refund but that I could send in the requested documents to fix the issue. I tried sending in the requested documents, I sent them in 4 times to be exact but each time I would send an email someone would reply once and I would have to start the process over again because they would no longer reply to the email chain. No one would or could explain anything to me. They basically took the money and stopped responding or helping. The account had XXXX dollars and I looked online and saw that the company had done this to a lot of people none of whom managed to get their money back.
04/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • KY
  • 413XX
Web
On XX/XX/XXXX of 2022 I was put into a hospital for XXXX XXXX XXXX and so was my husband during the time that we were in the hospital there was XXXX and a {$500.00} deposit deposited into my chime banking account when I got out of the hospital the bank said that they didn't know where the funds were that as far as they knew I received them but if I put in paperwork showing that I was in the hospital at the time that the funds were spent that they would replace them because I had insurance through my card holder agreement then when I put in my paperwork from the hospital showing that I was in the hospital all the sudden they didn't want to speak to me anymore they didn't want to answer any more questions for me and because I don't have an account open with them because they closed my account and I don't even know why they won't give me any interest to anything and I need that money because I lost my home in the XXXX floods in XXXX Kentucky and I need a place to live you know.
03/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32826
Web
I have been banking with chime for over a year and this was my first time having to file a dispute. I filed a dispute for a total of five transactions : 4 were from a subscription company called XXXX XXXX that I have NEVER signed up for or authorized and another was from a bar I did not visit. I informed chime the charges were not made by me and that I had lost my card. They subsequently filed the dispute and issued me a new debit card. 7 days later I receive a notice that my dispute was denied because no error occurred. I would like to know how chime came to this conclusion and what jurisdiction they have to tell customers unauthorized charges are legitimate. They do not protect their customers or their funds. I also suspect they do not investigate claims at all and simply deny requests and pocket funds. I would like this claim reopened and my money returned to me for these disputed charges or I will be pursuing further legal action again chime as well as closing my accounts.
10/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • DC
  • 20018
Web
I opened an account with chime I filed my taxes and got my refund sent to chime my has been with chime for two months they ask for documents and I sent what they ask for so I can prove identity and proof of address I sent everything and from that date they ask I think it was around XX/XX/2022 from that date Ive been calling emails no response from the email and when you call they tell its another team that handles everything through email all I want to know is where is my money they not telling me nothing at till this day the phone representatives answering but they say they dont have access to not so we will send to our response team but when they send messages u get a automatic message say we will get back to but no response everytime this really hurt me bad please help me get my money Im tired of waiting on a specialist that dont respond. The photos Ive added are emails Ive sent and emails chime phone representatives sent to response team and all I get is automatic messages
02/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NM
  • 87124
Web
I have had a lot ofl conversations over the phone and email the company chime refuses to help me and instead tells me it is my doing when it is not and i have more than proved it to them. the following transactions were taken from my account unauthrozed< - XXXX XXXX XXXX XX/XX/2020 {$34.00} - XXXX XX/XX/2020 for {$170.00} -XXXX XXXX XX/XX/2020 for XXXX -XXXX XXXX XX/XX/2020 for {$47.00} -XXXX XXXX XXXX XXXX for {$15.00} XXXX XXXX XX/XX/2020 for {$100.00} XXXX XXXX XXXX XX/XX/2020 for {$310.00} XXXXXXXX Trip XXXXXX/XX/2020 for {$26.00} I have sent in my time cards from work showing that i was in a NM not NV, i was on the phone with someone from chime whlie it was happening one time, I have asked my accounts be closed and they still have not been. i have contacted the companies personally and have gotten emails stating that when the transactions were " being Made '' that the store was not even open. they still refuse to help me out and just blame me for doing the transactions.
05/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • RI
  • 02889
Web
On XXXX XXXX XXXX I used my Chime Credit Builder Visa card to make a {$190.00} purchase. This amount was authorized on that date on XXXX. On XX/XX/XXXX I picked up that order, but the final cost was {$69.00}. So when XXXX settled the transaction on XX/XX/2023 {$120.00} was released from the originating transaction by XXXX. Chime then placed that authorization release of {$120.00} as an Authorization hold on their own, with no new transaction issued by XXXX. Since then, Chime has refused to release this unauthorized authorization hold for an additional 7 days, I believe, illegally, since I never authorized an additional transaction in the amount of {$120.00}. I have email documentation from XXXX 's billing department, as well as a screenshotted chat with Chime Customer Service essentially admitting that the authorization hold was illegal as XXXX " cancelled '' the originating transaction prior to it settling, and that an authorization release " is an authorization hold ''.
07/21/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • PA
  • 170XX
Web
I used my bank 's check mailing service to pay three creditors. They were supposed to be sent on XX/XX/2021. I allowed ample time for the checks to be received on time. The money in the amount of {$1100.00} was withdrawn from my checking account and I was informed that the checks were mailed. After about XXXX weeks, I noticed that none of the checks cleared as they should have. Shortly after, I was assessed a late fee by each of the creditors. I was charged fees in the amount of {$38.00}, a XXXX processing fee, plus there is a stigma with paying bills late. I was informed by Chime that all that can be done is they can cancel the checks and credit the money back to my account. They offered to send them again, but I lost my confidence by this point and declined. I was offered a flippant apology for the " inconvenience ''. To a working class person like myself, having {$1100.00} tied up for a total of three weeks and approximately {$40.00} in late fees, is a big inconvenience.
07/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • IA
  • 507XX
Web
I already tried confronting Chime directly myself. After dealing with their people 3 times, I've already ordered a new pay card from my own work and cancelled everything having to do with them. They are a scam set up to rob as many victims as possible trying to keep them unaware. I've had a total of XXXX dollars be wrongfully taken from my account, which left me unable to spend my own money. I don't make a lot of money as is and everytime I looked for answers as to where the money went, I always ended up feeling hopeless. Their scam is within the terms of their credit card. I read to terms front to back and their entire app never mentions exact details outlining how the credit card will work. It's set up to be as confusing as possible. However, when the funds automated too transfer from your debit to your credit, surely your credit limit will not exceed XXXX dollars. I'm so very displeased with their service and am telling anyone and everyone how much chime is into extortion.
12/01/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60660
Web
I hope this email finds you well. I am writing to bring your attention to a critical issue regarding a pending chargeback related to a transaction on my account purchased using the Chime debit card. The transaction involves a merchant that, unfortunately, engaged in misrepresentation of goods, committed merchant fraud, and mishandled the return process. The gravity of this situation extends beyond a mere financial dispute, as it has severe implications on both consumers and the integrity of your banking service. Chime has not looked into the documents, which include the merchant saying I did return the item and services were not rendered. I was within the 14 day period and I was not refunded any amount back on my Chime card and I have reached out and waited since XX/XX/XXXX. I ask Chime to investigate and follow up on errors that that the app has when submitting documents and the lack of customer service and effort in helping me get my money back is beyond disappointing.
07/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • MN
  • 567XX
Web
On XX/XX/2021 I had load XXXX different deposits of XXXX each. I made my reinstatement fee of XXXX dollars payment to XXXX XXXX online. I got a confirmation payment was successful. XXXX weeks go by and I get a letter from XXXX for a notice of a dishonored check in the amount of XXXX dollars. Chime said on XX/XX/XXXX when they went to debt my account the money wasn't made available them. But on the XXXX the money was deducted from my account but yet chime never paid the payment. There's no record any more on chime. But I have an online receipt proving I made the payment the XXXX. Chime has refused to make it right and said they did nothing wrong. They robbed me for XXXX dollars and I still ca n't drive and have gotten numerous tickets for driving without a license when I paid it off. It has ruined my life not being able to drive. All these legal problems are overwhelming and extremely depressing. I just want my life back and reincompensated for everything chime has caused me.
09/29/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • NY
  • 13212
Web
The complaint is in regard to Chime. I tried to deposit my tax refund check via their app to my account. During this process Chime requires that you endorse the check with " For Deposit to Chime Only ''. I received an error message that the check could not be verified and was NOT deposited to my account. I contacted Chime to see if perhaps a different picture could be used. They said that they could no longer do anything about this transaction. Now I have a check that I can not cash because it is endorsed to Chime and I need to go back to the IRS for a new check. This could take quite some time to get a new check from the Federal Government. I spoke with three customer service representatives and two supervisors. All of whom were not helpful and all anyone could say was a canned response that if a check can not be verified by their system during the first app transaction then nothing can be done. I certainly find that hard to believe. There is always a solution to a problem.
06/25/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IN
  • 47362
Web
On XX/XX/2021 I received several suspicious msgs on my phone supposedly from " Chime '' so I took screen shots of said msgs and sent to customer service @ Chime. They immediately locked my account. After two day of calling and calling finally spoke to a supervisor ( which his name and notes are on my account ) " XXXX '' employee number XXXX conformed they had in fact received my email containing front and back photos of my government issued driver 's license, social security card and a utility bill in my name with corresponding address wwhich was at their request. No one @ Chime will explain why they will not " unfreeze '' my account. They just keep saying your account looks fine and should be unlocked within 24-48 hrs, since the XXXX. After much leg work on my end finally got deposits stopped to the Chime card but two deposits were before I could get all stopped so there's even more on my card now. XXXX XXXX XXXX Chime XXXX has basically stolen my money. PLEASE SOMEONE HELP
11/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 86442
Web
On XX/XX/XXXX I decided I wanted to try to get XXXX internet. The technicians that came couldn't install the internet on top of destroying my neighbor 's landscaping and I called and told them that based on that experience I didn't want anything to do with their internet company and canceled it. However on XX/XX/XXXX I woke up and saw I had a {$210.00} charge on my credit account for chime Bank. I never gave them my credit card information I didn't even have that card at the time. Not to mention it was pulled XX/XX/XXXX when I canceled my service XX/XX/XXXX. Not only did I never give them the authorization for this card they just charged it out of the blue over a month later. I was told the resolution took 10 to 20 days on XX/XX/XXXX and now here we are XX/XX/XXXX and I'm told now it could possibly take till XX/XX/XXXX. I can not wait for my money to come back that long and I'm hoping you can help get some kind of resolution for me. My claim number for this is XXXX XXXXXXXX
03/21/2023 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 94131
Web
I am writing to you today to express my frustration and concern with the delay in receiving my funds after I closed my checking and savings accounts with Chime on XX/XX/2023, they told me I would get by check 30 business days later. As of today, XX/XX/2023, I have yet to receive the funds, and after contacting your customer service representatives, I was informed that the check had not cut or processed, and I would receive it by XX/XX/2023. More details I called to close my chime accounts on XX/XX/XXXX, they closed my accounts on XX/XX/2023 and said would get my check 30 business days later. I called again on Monday XX/XX/XXXX to ask about a status update, they said I would receive it in by XX/XX/2023. I did not receive it on XX/XX/XXXX, I called them again and spoke to a manager they told me nothing was wrong but my check had not cut or processed and I should have it by XX/XX/XXXX at the latest. I do not think this is fair and would like my money back as soon as I can.
08/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CO
  • 80210
Web Older American
I have an XXXX XXXX account that returned a deposit back to CHIME. Hence it was a deposit or a credit to my Chime checking account. Two small verifying deposits from XXXX XXXX into CHIME had been made a few days previous. When the amount of {$700.00} was returned back into the CHIME account, CHIME locked my account. I was unable to pay rent or buy gas to get to my job, I'm not able to buy food and my Social Security has since been deposited into this CHIME account which I now also don't have access to. I have access to NONE of my money. I'm a XXXX citizen and this is outrageous and affecting my health. I have made 6 phone calls to CHIME and have sent them the documentation they demanded in order to unlock my account. It is still locked, and I have no food, my dogs have no food, and am going to lose my apartment, and I'm this has changed my entire life. I am distraught and have no recourse against this company. Oh my goodness this is killing me. Please help me. PLEASE HELP.
07/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 303XX
Web
I was waiting for my pay check to hit my account. When I woke up and noticed that there was an un authorized charge from XXXX totaling {$100.00}. I contacted chime who stated I had to wait until the transaction went through to dispute it. I tried to reach out to XXXX but was not successful. My card was compremised because it was attached to my XXXX XXXX account which was hacked because another purchase was made from a different card that was also attached to my XXXXXXXX XXXX account. When I pulled up my transaction from XXXXXXXX XXXX the charge was not there. I disputed there decision and they sent me back there findings and stated because I had my card with me at the time then it was an authorized payment which again It was not I just want my money back and did not think I would have to go this far to get it. It is not fair that because I had my card it says that I made this purchase which is not true. I submitted proof I did not even have XXXX. I just want my money back.
06/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 44077
Web
Chime bank - I had over {$5000.00} dollars in unauthorized fraudulent charges on my account when I called to dispute it was immediately denied as soon as I hung up, I called back they said they needed more information I sent them the info that I had and was given the run around and told by a second agent to appeal to denial can take 45 days How? when the investigation was supposed to take 7-10 days but was immediately denied with no investigation done I called again Another agent told me my claim was reopened and it would take 3 - 90 days I was told by a 4th agent that it was a human mistake and the former agent erroneously filed my dispute causing it to be denied that they had recategorized it and That Id receive more information in 10 business days This is insane and completely unprofessional for a bank that claims your money is FDIC insured up to {$250000.00} This is very upsetting that I was charged all this money and cant get it back because of an error on their behalf
07/23/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 99223
Web
XX/XX/22 at XXXX pt. Lost account access, all funds depleted from account while on the phone with account member fraud services. Reported to bank and still do not access to account, fraudulent person 's still obtain my account information. Have emailed over 25times, and called with recoded calls made to chime bank 4times. Filed police report with XXXX county police where account was accessed from, and funds taken, contacted store manager and have full cooperation from them. But still no access, to my account, no credits back and no sign of that soon. Said 5 days tell a formal complaint can be made, account suspended, and all my personal information still in the hands of the fraudulent useres who now have all my personal data, address, dob, social, depositing account numbers, email info, and still trying to access linked accounts and depositing account. Which one is my Washington state unemployment which was deposited an hour before theses charges and account drained from.
09/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 33603
Web
They closed my account out of nowhere claiming fraudulent funds were being deposited and demanded I send all my sensitive documentation to prove my identity and employment. I am who I say I am and am not fraudulent although they claim I violated the terms of my contract by being so. Not only did I prove my identity to them immediately upon request, but I have been in constant contact with them and have submitted my info on 3 separate occasions. They continue to claim they have not received such information and that it will take XXXX hours to verify upon each submission. It's been 11 days and I have not XXXX dollar to my name, no gas in my car, no food in my house, am about to lose my job ( ca n't drive ) and am XXXX months XXXX. I have received the same pay from the same place upon signing up with this bank. They won't get me a supervisor to resolve the matter and are withholding all my funds for no good reason while making heinous claims about my honesty and integrity.
07/20/2021 Yes
  • Money transfer, virtual currency, or money service
  • Refund anticipation check
  • Problem with customer service
  • FL
  • 33150
Web
On XX/XX/21 I was told my account would be closed and the remaining balance which is XXXX would be sent as a check, On XX/XX/21 I was told by by XXXX from the escalation team I would be getting my closure check within 3-5 business days, I just recently moved so I was unable to update my address prior to my account closing, I got in touch with chime and inquired to change my address I was told I would have to provide proof of the address change with an ID which I did, MULTIPLE times I was told they would cancel the first check and send out a new check. I received the first check but now its no longer valid because they canceled it, Ive been getting the runaround ever since, theyll say give a few hours to look over the documents and never contact me back, then have the audacity to say I dont qualify for a refund now? THAT DOESN'T MAKE SENSE IF THEY SENT THE FIRST CHECK Im tired of this constant back and forth, its inconvenient PURE XXXX AT ITS FINEST AND IM NOT HAVING THAT!
11/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • XXXXX
Web
On XX/XX/XXXX, Thursday I was a victim of theft. My debit card was stolen and at least four unauthorized XXXX purchases were placed on my account. Once I realized these purchases were made I immediately called to cancel my card and also dispute the charges. Due to the charges being recent I had to wait until they were not pending which was yesterday and I disputed these charges with Chime banking. As of yesterday Chime denied my disputes due to reasons unknown by me. I then called XXXX to report these unauthorized charges in hopes to recoup my funds from them and they were also unable to assist me. I have never in my entire life bought anything from XXXX nor do I even have an XXXX account. This issue is very disheartening to me because as an educator it is hard times and I work really hard to earn my money. I am reporting this issue to CFPB because this is my last recourse and hope that this could be a third party entity to help me receive assistance in fixing this issue.
10/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • LA
  • 70809
Web
Someone opened an account at Chime.com, a mobile/online wallet- and payday advance service, using my name, email address, and probably other personal information. I found out about it through an email sent to my email address through Chime when the registration took place, I guess. The person registered for some kind of spotted ( loaned? ) amount of money, a direct-deposit account and a pre-paid debit card, all presumably in my name. I know because Chime sent me emails each time these services were started. I reached out to Chime to let them know I didnt open or have an account and didnt request their services. They sent automated emails to let me know they received my messages, and a couple messages from customer service/support to tell me they were investigating. They responded the next morning to let me know they closed the account at no penalty or financial harm to me, which is great. But how did this person fraudulently open an online bank account in the first place?
04/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • TX
  • 75080
Web
Received a debit card in the mail XXXX from Chime with instructions on how to activate the debit card. I did not under any circumstance open the account nor did i give anyone permission to open a account under my name. I have recently been a victim of identity fraud so all 3 credit bureaus have been locked. Apparently Chime does not require a credit check so someone was able to open the account without being flagged to the creditors. I contacted Chime thru email the very next day to get them to close the account and they stated they need a copy of my drivers license to verify and close the account. It seems they require more from you to close an account than to open one. I called the number multiple times and cant get a live person on the phone. I want this account closed right away to make sure no harm is being done. Its outrageous that you have to send them such private information to delete an account but dont require any prove of your identity when opening an account.
09/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NJ
  • 088XX
Web
Hello, on XX/XX/2022 at XXXX XXXX I was stolen money from my account. This person did not have my card on them and used it at a XXXX in XXXX NJ. I have never been to this town in my life and they took XXXX dollars from my checking account. I filed a complaint with my bank Chime, and they denied my case. I went to the police to get a report since the almost same exact situation happen to me in XXXX of XXXX The same wawa and an amount of XXXX dollars was stolen from me, and again it was in a town in NJ i have never been to and I was refunded my money back from Chime. However this time and after countless emails and only so much information I can give them ( including my police report ) they still are denying me of my money and sending me the same automated email that the case has been closed and wont refund me my money. I don't know what to do, this is my money i worked hard for and my bank isn't protecting me or helping me get my money that was wrongfully stolen from me.
05/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • GA
  • 30096
Web
Someone hacked my Chime account and started changing my phone number and my password so I didn't have access to my account. I called chimes immediately and told them the person who made those changes wasn't me and that I needed to speak to fraud department. They told me they didn't have a fraud department but that they had placed a freeze on my account. They then said to send copies of my driver license, social security number and to email a picture of myself ..... I email them all these information multiple times and I called to see if they had received it and they kept saying they didn't received anything. I told them I have the proof I have sent all the information multiple times and they wouldn't respond to me, they ended up closing my account, they didn't send me the money that was left in my account like they said they would and they left a horrible report on my credit report as if it was my fault that someone was doing fraud and they couldn't do anything about it!
06/19/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • MD
  • 21216
Web
XX/XX/2021 I ordered some stuff from XXXX on my XXXX account I transferred XXXX from my savings account which lifted it at XXXX USD my spending account had XXXX USD left over after my purchase at the store I wake up XXXX XXXXXX/XX/2021 and I CANT LOGIN IN MY CARD DECLINED FOR XXXX USD so I try calling chime bank its like Im blocked Im constantly sending them emails they not responding I have XXXX kids and only the XXXXUSD IN MY POCKET LUCKILY WE HAD FOOD BUT CHIME NOT EVEN RESPONDING TO MY EMAILS NOTHING I NEED MY MONEY THATS ALL NOBODY WANTS TO EVEN CALL ME BACK XXXX I have proof of my balance too Ive felt for a while they was stealing my funds cause sometime the math DO NOT ADD UP AT ALL MY NAM XXXX XXXX by the way and thanks I hope this is taking care of right away I also had a credit card builder card with chime bank as well that account had XXXX USD IN THE ACCOUNT I never said close my account nothing didnt even do anything but I dont care I jus want my money ASAP
11/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 152XX
Web
My BF took my debit card and my phone on XX/XX/XXXX without my knowledge because I was not home at the time because I was at my neighbors house. When I realized he had my debit card I went on the app of my spare phone and changed my pin and locked the card. He withdrew XXXX, XXXX, XXXX, XXXX, on XX/XX/XXXX and XX/XX/XXXX. I cancelled my card and had a new one issued. I disputed the transactions with chime because it was not me and it was unauthorized. Chime originally gave me a provisional credit on XX/XX/XXXX but revoked it on XX/XX/XXXX. I gave chime my feedback that they came to the wrong conclusion and that I notified them of the suspicious activity and cancelled my card and they could care less. I know this is not a lot of money to some but it is to me. I feel chime should credit this to my account. This activity took place in a location where I was not and my phone call to chime and my attemps to change my acct info should reflect this in the IP address.
09/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 90805
Web
I XXXX XXXX is a natural person who granted to Open a Deposit Account with the XXXX XXXX on Behalf of Chime Financial. I was incompetent when entering this contract and come to find out about a Security interest that was granted by not knowing at the time created another account with interest. I granted them credits and been trying to transfers the conveyance of my principal and the company Chime Financial is not disclosing to me the rights of my security interest. I have proof in the disclosures that was inside of the Chime Financial app. I evoke my rights as the natural person who granted the credit of interest thats obligated to me. On XXXX XXXX XXXX disputes Unauthorized transactions to XXXX XXXX XXXX who is a member of the FDIC on behalf Chime Financial and was denied twice of my Insurance rights. I sent in proof and time was waisted due to the company not providing remedies nor updates. This company has violated and are breaking the law 16 CFR Subsection 444.3
03/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30315
Web
My card was stolen after I made a purchase at a local package store on XXXX XXXX. 3 hrs later I saw all of these charges on my card and immediately alerted Chime Bank. They cancelled my cards and sent new ones. I filed police reports, sent screenshots of what I was talking about and did everything that Chime asked me to do to " prove that it wasn't me using the card '' to no avail. Four months later and they won't refund my money and they will not give me specific reasons that my disputes were not accepted and they won't advise me what I can do to get it approved. I was hustled twice. Spoke with managers and still nothing. They agree that {$370.00} in small purchases at convenience stores that I have never shopped at and sending XXXX funds to someone on a card that I have never used XXXX on are all signs that my card was stolen but they refuse to make me whole. I have disputed their " investigation '' twice now and all that has changed is that it is four months later.
09/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • OH
  • 441XX
Web
I have been banking with Chime for the past year, and have never had any problems .... UNTIL NOW!!!!!! On XX/XX/21 I received an email from chime 's support team stating that my account will be closing on XX/XX/21. YES YOU READ THAT RIGHT!!!! my account was closed the same day i received the email ... NO heads up to transfer money and/or change my direct deposit info to my other bank account. The closure of my account happened THE DAY BEFORE my direct deposit was supposed to hit ... Well here it is payday and i have absolutely no clue where my check is.. I have no clue as to if my check was returned to my employer or not. I have called, emailed, DM 'd on XXXX AND XXXX and no one can give me a direct answer. I don't even care as to why it was closed anymore I just want to know where the XXXX my check is ... .... I would NEVER suggest someone to use chime especially all the scam claims that are coming out about them now.. I wish i would've known before I ever used them
01/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CA
  • 90049
Web
XX/XX/2021 I placed an order on XXXX for {$1100.00} and upon delivery days later my order never showed up, on the tracking information from XXXX it showed that the scheduled delivery is unavailable due to the package being lost in transit and XXXX acknowledged that the package was lost. I filed a dispute with Chime and I feel I wasnt being treated fairly because they denied my dispute and closed my case. I feel they did not care to help me, until this day I still never received my package and this package was supposed to be a XXXX gift for my son. I receive social security income and receive only {$840.00} a month and worked very, very hard to save this money. Losing {$1100.00} is a big deal and Im extremely saddened and disappointed by the resolution my bank provided me. I reached out to the merchant at XXXX and showed him a screenshot of the tracking info and asked if he can help me with a replacement or a refund and the merchant ignored me and never messaged me back
01/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • LA
  • 71107
Web Servicemember
My chime bank account was hacked into like hundreds of other consumers. Someone transferred {$1700.00} out of my account through the pay friends feature. This was my entire paycheck which was direct deposited on XX/XX/XXXX and the transfer occurred on the same day. I had previously contacted chime about text messages that I was receiving about my account and they said not to worry about it. Now Im being told that I have to wait 10 days to see if I MAY be eligible for a credit. Until then, I have no money and when I asked to speak to a manager they disconnected the call. So far, I filled out an affidavit and emailed and faxed it back like hundreds of other consumers. I am unable to speak with anyone other than the person that answers the phone first when they decide to answer the phone. This is very frustrating because its as if they couldnt care less. After reading the reviews I read today, this bank should be closed down because this happens a lot in the same manner.
02/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MN
  • 550XX
Web
Thursday XX/XX/23 I received an email from Chime stating all three of accounts were being closed immediately. My checking, savings and credit accounts. This is after my paycheck ws deposited. I called the number provided and was told they could not help me because it was a decision from XXXX. They also could not provide me with a phone number. I was told they only do email correspondence. So I have been doing that, but no one has been able to provide me with the reason my accounts were closed and now I must wait 30 days to get my money mailed to me in a check form. I also have no way of knowing what my balances are since I can not get into the system. The last email I sent was at XXXX XXXX and has gone unanswered. I have been banking with Chime for years and only had one other minor hiccup that they fixed immediately. This though is unexcusable. I work for a government agency and my direct deposits come from that so I do not know how something like this can happen.
01/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • LA
  • 70560
Web
Ive been trying to resolve this issue since XXXX of XXXX. I had a checking account with Chime. On XX/XX/XXXX of XXXX, a charge hit my account from XXXXXXXX XXXX XXXX for {$4000.00}. I have never XXXX XXXX XXXX from this company. I am a victim of identity theft, and I sent my identity theft report and police report to Chime. They denied my claim. I asked them for documentation of what they did to investigate. What they sent me said that all they did was call XXXX and an agent told them over the phone that their info in the computer matched my information. Chime told me that my old Virginia license was used to rent the car, and I havent had that license since XXXX. Also, the dates that the car was rented, I was in the XXXX in Louisiana. I sent them documentation of that. The car was rented in XXXX, Florida. They still refused to remove the charge. I wasnt aware that I could go through this service to try to get this resolved, or I would have done so much sooner.
10/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or misleading advertising or marketing
  • TX
  • 76542
Web
I opened an online account with Chime. They asked for my Debit card number. They allowed me to transfer {$5.00} immediately as a test. It worked. My daughter sent me {$270.00} on Chime. I tried to transfer it to my checking account. They asked for my routing number and my account number. I gave it to them. But, when I tried to transfer my money from Chime, they said I must get their debit card then. Do, I did. I opened the card. I transferred the money from Chime to my banking checking account. It said I would get the money in 3 days. Today is the third day and Chime now says they cant help me. I will simply have to wait for the money. Instant transfer of {$5.00} first. Instant transfer of {$270.00} onto my Chime account from my daughter. But I can not get my money without them having my routing and account number, having to open their Debit card that I NEVER asked for, and waiting almost a week to get my money ( they now say I should have my money by next Tuesday ).
03/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 752XX
Web
I never received my package because the mail carrier I went to the posted off because it's said my package was delivered so I thought maybe it would be there the lady at the front desk called the carrier and he said he put it in the wrong mail box but then said the package was to big to fit in the box I asked my neighbor and they said they saw a package but I don't know if that was mines or who took it the XXXX XXXX told me I had to have insurance but it was the mail carrier fault for putting it in the wrong box I told chime this and I sent my Police report and everything this happened XXXX XXXX the package was a fire stick for the amount of {$100.00} I been fighting this claim since that dates and they have denied me several times On XX/XX/22 I made another claim For the amount of XXXX someone used my card after I losted it I filed a police report as well I got denied I ask them to reopen the cases now I waiting the and the 1st case I been fighting for almost a year
03/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • NV
  • 89106
Web
My checking chime account was charged by the merchant XXXX in XXXX XXXX with no consent or knowledge. I tried to dispute with my bank however my bank upheld the denial due to merchant providing a late transaction that I went to but not the recent one I never got services for. The merchant told Chime XXXX banking that I signed up for their membership that cost that much. However I was never told a membership had a fee or the website never stated that. The membership was free and the services was {$99.00}. Chime/XXXX banking didnt investigate just went off based of what the merchant stated. Also I had a unsatisfied services for {$280.00} at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX that I was confirmed by merchant they will fix and the merchant never responded back to me to fix it. Chime/XXXX banking still upheld denial. After I sent proof of emails merchant was suppose to correct services and never responded. Chime/XXXX would need to be investigated as well.
07/05/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • ID
  • 83704
Web
I received an account suspension email from chime on XX/XX/XXXX and was told to provide certain documentation so a resolution can be reached - I even called a rep to verify that this was all I needed to do, and he confirmed in the affirmative that I'd need to send that information to XXXX. I promptly provided the requested information and documents within the same hour. The next day, the XXXX of XXXX, I received an email from chime requesting the same information I already sent in. I went ahead and resent the documents and information, with all new attachments, and to my surprise I got a response asking me to resend the exact same information. I did and this pattern repeated at least five times. In my final email to chime, I told them I was tired of this back and forth and to go ahead and close my account and issue me a refund. Chime promptly notified me of my account closure within 5 minutes of emailing and also mentioned that I wouldn't be getting my money back.
10/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MT
  • 59601
Web
Someone hacked into my phone and hacked into my Chime bank account and stole my XXXX check and my financial aid check amounting out to {$1000.00}. And another dispute amounting out to {$450.00} I disputed with the Chime support XXXX times in the past XXXX days and rebuttaled XXXX times in the past XXXX days Ive contacted Chime XXXX times in the past XXXX days. I got hung up on XXXX times and the rest of the time they lied and said that no error occurred I provided evidence that an error did occur. I filed a police report With the police and in the police report, it stated that Chime needed to refund me. They are refusing to refund me. They are refusing to go through with the claim. They also told me several times that I qualified for a provisional credit for the money that was stolen and then sent an email saying that they were not gon na give me that money that was stolen from my account afterwards several times I also wrote a letter explaining everything as well
09/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60613
Web
On XX/XX/XXXX, Chime placed my account on hold and sent me an email with instructions regarding how to steps necessary to unlock the account. On XX/XX/XXXX, after gathering the requested documents, I replied to the email from the email address on my account. I followed the directions exactly as directed. Chime never responded to this email. Over the course of a year, I sent multiple emails which Chime left unanswered. On XX/XX/XXXX, I reached out to Chime from my secondary email address. Chime was very responsive and worked to verify my identity with the address. Then Chime proceeded to request the same documentation needed to unlock my account. I replied with the information requested on the same date. Chime stopped responding again. On XX/XX/XXXX, I requested an update again. I received a reply stating Chime would provide an update within 2 - 3 business days. As off XX/XX/XXXX Chime has not provided the promised update, and my account remains on hold.
12/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 782XX
Web
Chime closed my deposit account, savings account, and credit-builder account without explanation. The funds I have in the account can not be accessed and you can see below that I will not receive them for the next 30 days. Chime doesn't allow you to speak to a rep or see the account for recurring transactions that are billed to the checking account, which will have ripple effects on other bills. This should fall under the XXXX umbrella especially since Chime restricts access to my own funds. Which by the way all come from payroll direct deposit. " Hi XXXX, Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on XX/XX/2021. Once your Spending Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2021, to the address we have on file for you ... '' XXXX XXXX ( XXXX ) XXXX
02/07/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AR
  • 72204
Web
Back in the summer my chime card was used for a few transactions that I have verified with XXXX and the hotel are all card not present transactions. I opened a dispute with chime in which they denied the dispute because the thief didnt check the balance and because I had money come in during this time period. I made an FTC complaint and on XX/XX/XXXX they reopened the dispute.. which as of today they are still working on i am out over XXXX while they leave it in an indefinitely pending status. I have tried multiple times to contact them regarding this and literally get ignored. One of the transactions is a hotel in OHIO I uploaded a WHOLE TIMESHEET showing at the time of the transaction I was in Arkansas presently working so I could not possibly have made a purchase in freaking ohio like I said before i called the hotel and XXXX and confirmed none of the transactions were in person so obvious fraud. See attached screenshots and documents I have more if need be.
04/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 77075
Web
I had a Chime acct that I had my check transfered into back in 2020. I had about {$1200.00} in my acct when one day I went to pay my rent and my card was declined. I went on to Chime mobile app and it started that my acct was closed. So I immediately attempted to call chime to dispute the whole situation well after several calls and no way of leaving a voicemail I finally got thru. When I spoke to the representative which was no help they requested that I send over a copy of my ID, social security card, and a picture of me holding my ID up. So I did, I never heard back from them I've attempted to call and was not able to speak to someone. After about two weeks I get a email that said I did not send them the info and as of right now my acct has been closed and for further action I needed to call them. Well needless to say after about 6 month of the back and forward them telling me they couldn't do anything CHIME stoled {$1200.00} from me with not one explanation.
12/02/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • MS
  • 39046
Web
My identity was stolen on XXXX/XXXX/2020 by someone that I was dating for XXXX month. While I was sleeping they transferred {$1300.00} through my XXXX to someone that I dont know. This person that stole the money hacked into my phone and changed my PIN number to my account and sent the money. My chime card was attached to my XXXX and they person that stole the money did test transactions to see if the money would go then transferred the rest. I contacted my local police department, Chime, XXXX and filed complaint with all 3 credit bureaus. Chime and XXXX basically said that the transaction wasnt in error even though I sent them all the information from the case. When Chime tried to get the money back from XXXX thats when they closed my account and stated that I violated there policies. Chime based there decision on where my card was located and where my PIN number was located. They didnt even look at the police report nor the information from the credit bureaus.
10/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 44125
Web
Comment or Question/Tell Us Your Story : On XX/XX/2023 I called chime customer service to verify the daily withdrawal from the ATM. I spoke with a who claim that he would help me and said he can increase the limit per day. I informed him that all I need to know is the amount that can be withdrawn from the ATM. The call did not seem right so I disconnected the call. I then received a callback from the same number XXXX 's. I answered the phone and it was a guy claiming to be the chime customer service XXXX ( XXXX XXXX and he said that my account was deactivated and my cards were frozen due to the call being disconnected and they can reactivate the account by sending the information to the department that can handle the reactivating and it would take no more then XXXX mins. I sat there literally watching them take the money from me in the amount of {$2600.00} that was every dime I had. I filed a dispute with chime and they keep denying it. I filed a police report.
07/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • IL
  • 628XX
Web Servicemember
On XXXX XX/XX/, I made a bank transfer from my XXXX XXXX XXXX account, XXXX XXXX XXXX, Routing Number XXXX, for the amount of {$200.00} and another transfer for {$250.00} on XXXXXXXX XXXX XXXX from the same bank. Both transfers were to my Chime account from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX, Routing Number XXXX. As of todayXXXX XXXX XXXX XXXX, Both Chime and The XXXXXXXX XXXX claim they have not received the transfers, but XXXX XXXX XXXX claims they have. My XXXX account has had the money deducted from my account. The first transfer was on XXXX XXXX XXXX ( verification code : XXXX ) and the second transfer was on XXXX XXXX XXXX ( verification code : XXXX ). I called the XXXX XXXX XXXX XXXX department this morning and they claimed that both transfers were completed successfully and that they would not refund the money. I then called Chime customer service and they claimed that neither transfer was showing in their system.
06/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NY
  • 11413
Web
On Wednesday XX/XX/XXXX somebody did a transaction on my Chime account. The person basically wiped my account clean. I changed my password as Chime told me so. Later on a representative told me that I would get provisional credit in 10 business days. Instead of doing a proper investigation and provide the provisional credit, chime emailed me on the same day of the dispute and informed me that I wont get my funds back. I provided all the evidence and information they needed. The total funds stolen from my account was {$1500.00}. A {$1000.00}, {$300.00}, and {$200.00} transaction. Chime didnt do anything to stop any of these transactions. Given that there is a name to who the funds were transferred to, Chime still didnt block the person and recuperate my funds. The stealer won and I the person who worked hard for the funds lost. It took me 2 hours to get to their customer service and they were careless about the whole situation. They even hung up the phone on me.
03/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NC
  • 27401
Web
XXXX XXXX is you available employee have Ben very rude and nasty I've given my information to someone over the phone and through email multiple times I was told to write first and last name today 's date last four digits of social security number attached you with ID on paper with a selfie I have done this several times it's been 3 months and my information is still not updated on my account I don't have access to the app So every time I call I have to repeat the old information my old address my old email address my old phone number that I'm no longer using is been 6 months it's going on 7 months I have a whole new phone number whole new email address whole new address have given it to your employees several times and they tell me wait 2423 hours work 33 hours it would be updated it's been 4 months and my information has not still been updated in the system you employee decided to cancel my account with out my consent I have no way to get my money off my card
10/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NJ
  • 07103
Web
On XX/XX/XXXX, Chime bank suspended my account without explanation. I contacted Chime bank initially on XX/XX/XXXX once I realized I could not access my account. They requested from me some verifying documents to prove my identity such as Drivers licence, proof of address, social security number, etc. I sent the information to their email ( XXXX ) and was told my account should be unlocked within XXXX hours. As of today, XX/XX/XXXX, my account is still lock with no resolution or explanation in site. This has caused me financial damages as I deposited my savings into this account which I can not access. I am facing eviction, I can not keep up with my credit card bills which will ruin my credit and most of all, its caused emotional distress. Im on the phone with Chime every single day to try to get answers or most of all, get access to MY MONEY, and i keep getting the same response ( they are looking into it ). I feel as though I am being robbed. Please help me.
12/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OH
  • 435XX
Web
I RECIEVED MY SSI ON MONDAY XX/XX/XXXX THE AMOUNT XXXX. ON TUESDAY XX/XX/XXXX I GOT MY OTHER XXXX CHECK THE AMOUNT XXXX XXXX. ON WEDNESDAY XX/XX/XXXX I ASKED CHIME SUPPORT HOW TO TRANSFER XXXX TO MY XXXX ACCT WHICH I DID TRANSFER. I WAS WAITING FOR MY DEBIT CARD FROM CHIME TO COME IN THE MAIL. THAT LEFT XXXX IN MY CHIME ACCT. WHEN I GOT UP ON THE MORNING OF XX/XX/XXXX ALL MY MONEY WAS GONE EXCEPT FOR XXXX. WHEN I LOOKED AT MY STATEMENT ONLINE XXXX AND XXXX TAKEN BY $ XXXX AND XXXX XXXX TAKEN BY $ XXXX XXXX DO NOT KNOW THESE PEOPLE. IM OVER XXXX AND LIVE ON XXXX AND I WOULD NEVER EVER GIVE ALL MY MONEY PEOPLE I DONT KNOW. I REPORTED THE FRAUD RIGHT AWAY AND WAS TOLD I MADE THOSE TRANSACTION WHICH I MOST CERTAINLY DIDNT. I EVEN WROTE A STATEMENT TO CHIME AND UPLOAD IT TO THEM. I HAVE CALLED CHIME NUMEROUS TIMES WITHOUT RESULTS THEY REFUSE TO INVESTIGATE THE FRAUD. NUMEROUS I HAVE BEEN HUNG UP ON BY CHIME SUPPORT. IM BEYOND ANGRY AND UPSET. I WANT MY MONEY BACK.
11/01/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • KS
  • 66213
Web
As of today XX/XX/2020 my Chime Checking account is down for the second time this week. Down meaning the App will not work to show me my balance or recent transactions, the funds are not available at all, debit card purchases are down, transfers are down, ATMs are down. Can't access any of my money for the 2nd time this week. It happens at least 1x a month now. Our regulators are just allowing this to happen repeatedly. When was the last time you heard of XXXX XXXX XXXX or XXXX XXXX going down for 8 hours? The government would make sure that never happened again because of all the issues it would cause. This is unacceptable. I am going to move my money to somewhere besides Chime but I am concerned about other people who may not be able to do so. Something needs to be done to ensure Chime can't continue to do this to people and affect our lives this way. Totally unacceptable to have a bank system completely crash 1x a month, or in this case, twice this week.
08/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MI
  • 484XX
Web
I have had money taken out of my account that was not authorized. XXXX. XXXX XXXX XXXX. 5 hours ago XXXXXXXX XXXX. 18 hours ago. XXXX XXXX 18 hours ago XXXX XXXX 18 hours ago XXXX On the pending transaction page it states XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX I just noticed this was happening. I'm on XXXX wth XXXX XXXX XXXX. I'm on a fixed income and can not not afford banks taking money from me.5 hours ago I was sound asleep. On the XXXX I was at the beach and had no phone service. There is no way I authorized withdrawals from my Chime account. I have no idea how long this has been going on. I would really like to know. I've been in contact with Chime support numerous times. Left messages, emails chatted with customer service. I get no response back from them. And no resolutions to issues. This isn't the first time this has happened. I want to know how much they have taken over the years.
05/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • OH
  • 43050
Web Servicemember
I have tried for XXXX days and repeatedly proven who I am and your unqualified and unprofessional staff are keeping me from my own account and discriminating against customer choices and laughing at customers while on live calls. I am filing with the XXXX, XXXX, and a few other agencies and contacting my attorney general 's office as well as the FTC. XXXX had shut my line off before it was supposed to and was on my way home and needed my cards unlocked. I went through all the verification with the associate, then did as he instructed. After the first email, with personal info, then the next email wanting more information provided it as well, then another and added a picture then it was the editing then not sent from the right email/ over and over .. Then after all information was given all questions answered and being laughed at by your employees Still nothing and can't get in my account. will be posting this experience online here at XXXX to warn consumers.
10/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 93710
Web
Thank you Chime for helping out, I reached out because there was unauthorized transactions on my account and filed a claim for one of them. The agent didnt add the rest so I had to go back and start a 2nd claim to rectify the remaining ones. Original claim XXXX During the investigation, Chime found out I was not at fault for the fraudulent transactions and was refunded because they saw the transactions were not coming from me. The remaining transactions need support as well, its from the same merchant and have been waiting for help. The first one from XX/XX/XXXX, Case # XXXX was approved because Chime saw they were fraudulent. I need help with the remaining transactions dated below please : XX/XX/XXXX - {$350.00} XXXX XXXX - {$490.00} XXXX XXXX - {$140.00} XXXX XXXX - {$450.00} XX/XX/XXXX - {$420.00} My new claim number is XXXX I need help approving these for refund please and thank you I have a XXXX Police Report for these, report number is XXXX
07/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • OK
  • 73099
Web
I've a Chime account for several years. In XX/XX/XXXX Chime closed my account without warning. I've called several times for an explanation, no one can tell me why. Been hung up on multiple times. Its been 6 weeks and I still have not received a check for the balance of my account, about {$1600.00}. Everytime i call I'm told to wait 30 days. It's been well over 30 days. I was told, again, yesterday, XX/XX/, to wait another 30 days. My then wife set this account up just for my personal use. When we divorced, Chime would not let me change to my email address and would not let me change to my cell number, even though it was in my name and they COULD verify my identity. Bottom line, Chime closed account without warning AND they still have my money some 6 weeks later. Chime is terrible and from what I've read online, they have done this over and over to MANY people, keeping their money. If you call Cime, you get no explanation and hung up on with no resolution
03/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 24502
Web
My phone was stolen in the end of XXXX beginning of XXXX. The phone did not have a lock on it. I was left with no phone, no access to any of my personal information like bank accounts, emails, I didnt even have a form of communication. From XXXX there was numerous unauthorized charges, totaling up to XXXX. On Sunday XX/XX/XXXX, I was given a phone which allowed me to get access into my bank account to see the accumulated charges. Charges included, XX/XX/XXXX transactions, charges at the XXXX XXXX, rides from taxis, restaurants, etc. I contacted chime and made them aware of the situation that happened and they said they would look into the problem and fix it. I had two separate disputes open, one of which is still open and the other is closed. The one that was closed totaled out to around {$700.00}. Chime basically told me that there was nothing they could do except supply me with the documents they used to come to the conclusion that my money wasnt stolen.
10/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30034
Web
On XX/XX/2022 I purchased what suppose to been very luxurious hair bundles in the amount of {$450.00} from XXXX XXXX XXXX XXXX When the order got to me I could immediately see that it was not the same quality they advertised to me and knew I had been scammed, asked the merchant to just send me the item they advertised and I kept getting excuses and humiliated! I contacted Chime to file a dispute which I submitted several pieces of evidence but they keep denying my claim! Several representative said they can see that what I received is not the same that was advertised but Chime dispute and investigation team will not call me and explain why! I have filed a police report on the merchant because XXXX keeps saying submit new proof, but they are obviously not looking at the proof Ive provided which shows the merchant is not willing to settle my claim. I want an investigation of Chime done as to why the investigation team can not be reached and my claim settled!
12/15/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AR
  • 720XX
Web
On XXXX Chime sent an email requesting an explanation for a direct deposit amount totaling XXXX. I replied and explained the deposit was from my 401k. I emailed the 401k distribution statement for verification. Later, my account was suspended. Chime stated they also need a copy of my paycheck stub from XXXX XXXX along with ID, SSN card, and a picture of myself holding my ID. I complied with hopes to resolve the issue. More than a week later Chime reaches back out and asks for a statement of my unemployment benefits, which I sent. Nearly a month after the initial email, I have no resolution date and I have sent every document along with an explanation. I lost my job due to the pandemic and XXXX XXXX has been paying me severance pay but I still qualify for unemployment. My problem is that Chime hasn't given me a date of the resolution or responded to my email request. I have over XXXX in that account that I can not access to feed my family or pay my bills.
12/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30088
Web
I was working from home on XX/XX/2022, when around XXXX i received a notification stating that {$400.00} was withdrawn from ny chime card, i immediately looked inside my wallet to see if i lost my card, my card was inside my wallet. I Live in XXXX XXXX GA, the transaction took place @ an ATM on XXXX XXXX in XXXX. I immediately called chime to let them know it wasn't me that withdrew money from my account, they stated they will run a investigation, they denied my claim, i called back & asked them why, they stated they could not tell me the reason why. I asked my Supervisor to send me my timesheet from work that day, & i sent info over to Chime. I have not heard anything from them regarding this. My money was somehow taken out my account without my card or pin. They have denied my claim for the 3rd time with no explanation. I've sent them a pic of my card that evidently someone copied because i was home with my card with me on the day the incident happened.
01/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • IN
  • 46241
Web
On XX/XX/XXXX, I placed an order with XXXX for {$290.00}. Unfortunately, they were only able to provide me with {$45.00} of the orderand had to cancel the remaining items which totaled {$250.00}. I spoke with Chime on XX/XX/XXXX because I noticed the pending transaction date had been updated to XX/XX/XXXX. Chime wanted me to dispute the {$45.00} which I told them I would not because that was my transaction. They stated XXXX updated the pending transaction. I called XXXX and spoke with XXXX XXXX. She conferenced in Chime and explained to XXXX that the money should be released back to me and sent over the documentation telling them the error was on their end as the authorization reversal as well as the charge authorization had been sent to them on XX/XX/XXXX. I spoke with XXXX and XXXX, the supervisor at Chime this morning with no resolve. They are still following their script and refusing to assist even though they are in possession of the documentation.
06/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OR
  • 97225
Web
On XX/XX/2022 two transactions were done using my debit card while I was asleep of {$130.00} at XXXX then {$160.00} XXXX from a merchant XXXX. I've never heard of this merchant before. I called my bank Chime and they said they were unable to dispute it while it's pending. Today on XX/XX/2022 it posted and I filed a disbute and not even XXXX minutes later they denied it and said I was liable. When I called back they said they were unable to provide to me why it was denied or give me any further information. They also told me I needed to contact the merchant to prove I did not make these rather than them doing it. I was on the phone with chime to dispute this at XXXX for XXXX minutes so I was off the phone with them by XXXX. I got the email at XXXX that it was denied which means they did not even contact the merchant. My phone number is XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX oregon XXXX If you need any further info please let me know.
08/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • IL
  • 60651
Web
Been banking with Chime ( XXXX XXXX ) since XXXX. Chime closed my account while I was out of town, XX/XX/XXXX. I had no money and was stranded while on vacation. Chime closed my account for deposits that were made to me by my XXXX XXXX I am a professional XXXX XXXX and I am Enrolled Agent with proper credentials through IRS. Chime requested I send proof showing reasons for deposits and where they were from. I did so as requested. I sent my IRS credentials, Tax Clients documents .... Also, my tax clients sent letters as well. I had another deposit as well and they kept that also. They closed my account with about {$18000.00} available funds. They still have my remaining balance and all I'm asking is they send my money as soon as possible. I was never able to verbally speak with anyone at Chime nor the XXXXXXXX XXXX They always had a recorded message to send email to XXXX. I sent over 25 emails and no resolution. Please help me get my funds from this bank.
08/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MS
  • 392XX
Web
Since XXXX i have had my account locked for an review for a month now i been wringing them everyday since sending things like selfies with my dl and passports documents verifying deposits i have been almost evicted because of late fees because i have had an account Ive called for two weeks no one can help me and i have been writing since last week and no one has responding back to me reguarding my request i dont even want they account cause this has been the absolute worst bank to be with never have your back i remember i got scammed for XXXX taking out of my account and they basically told me after 90 days they cant help me. I just want my remaining funds sent to me in a check so i never have to deal with this bank again. Another option is open the account like i was promised and let me transfer everything out. Tired of crying and being stressed bout money thats suppose to be mine and kept safe by an fdic bank chime needs to handle the customers better
03/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 601XX
Web
The incident occurred on the night the XXXX of XXXX @ XXXX XXXX I woke up before my AM shift, to 5 ATM withdrawals from my account. A total of {$1800.00}. Ive filed a claim with my bank to get those disputed but the case was immediately closed. I was told to get a police report which I did only to have my rebuttal claim denied again. They tried telling me because I still had my card on me when the transactions occurred that it couldve been me. I didnt make any of the transactions at all. Ive become frustrated & is now seeking government help. Down in the attachments : Ive included the denied rebuttal claim, the police report & also my work schedule to provide emphasis on me being in bed that time the incident occurred before my 10 HR shift. If Not too far from relevance Ive attached a news report I recently saw that involves & mention the bank Im filling a complaint against & shows a lady thats going through a similar situation like mines https : XXXX
07/03/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • IL
  • 60622
Web
Chime closed my everyday checking account with over XXXX Im my account. They asked me for information about a XXXX $ deposit which was a grant from sba not a loan. I gave them all my information including documents from sba also with my name and sba phone number so they can verify with the company if they needed more information. I provided my utility bill along with the front and back of my Drivers license. They said my account was not in compliance its their rules and closed my account with my funds in there. I have lost a substantial amount of money which made things very difficult in finding the right way to go about this situation at hand. The date was XX/XX/2020 I will provide all of the photos and email that i provided to them. I recently reached back out to them and I received an automated email saying they received my email but I have not received anything back so now I dont know what to do to get in touch with the company to get my money back.
11/12/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NV
  • 89115
Web Servicemember
XX/XX/2020 @ XXXX ct, I noticed an email stating I made a transaction of {$2000.00} to an unknown person named XXXX XXXX through my Chime Account @ XXXX ct. The money was taken from my savings, to my checking, then transferred my {$2000.00} into their account. I dont know a XXXX XXXX, nor did I make any transactions. I couldnt log into my account easily either, I had to re-enter my email & password 3 times instead of my 4 digit pin. I called Chime and told them, I asked them to place a hold on the account for stealing {$2000.00} from me without me knowing. They told me to change my password, lock my card, & file a dispute but wouldnt temporarily place a hold on the thefts account. I filed the dispute but cant wait 2 weeks for a decision when it can be settled in mins. All Chime has to do is place a hold on this XXXX XXXX XXXX XXXX account, investigate the theft, but they choose not too. It feels like my account was hacked or an inside job too be honest!
05/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 91364
Web
hi my name is XXXX XXXX, phone number XXXX, chime acct number XXXX on XX/XX/XXXX there were some unauthorized transactions made on my chime account at differents locations in california, at differerents times starting XXXX XXXX all the way at XXXX XXXX to differents gas station so called XXXX XXXX XXXX XXXX. whoever did it, used my bank card information. I ve called chime bank they did not solved the problem, i ve filed a disputed still they didnot help me at all. im a single dad i work for XXXX, the total amount of transactions made that day was XXXX, i have prove that i was not at those locations, i live in XXXX XXXX california , those transactions were mad at XXXX XXXX california , unfortunately chime bank have not solved the problems, i can not afford to loose my money with this difficult times we living, i work so hard for my money this is my son money, again im a single dad and my son depend on me, please help me solve this problem, sincerly.
02/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MI
  • 48223
Web
My savings, checkings and credit account all were randomly closed by Chime on XX/XX/23, over {$52000.00} in totality of the accounts. I received an email stating the balance of these accounts would be put into the checkings and a check for the total would be mailed to me within 30 days. I have received a check from Chime for {$59.00} and after multiple ignored emails to Chime about this major discrepancy I called Chime Customer Service on XX/XX/23 and XX/XX/23, during both these calls Chime confirmed the check should be for the balance of over {$52000.00} but could not explain why this was not the case and said they would be escalating the case further up the Chime team because they could not solve the problem. On XX/XX/23 Chime sent one email stating Your account was identified for closure and does not qualify for a refund. No further explanation on where my money is or why I received a check that Chime has verified to me was for the incorrect total.
03/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 77584
Web
On XX/XX/2022 I received a Chime card in the mail ( card number XXXX XXXX XXXX XXXX ). I have never heard of this company and never requested to open account. It is impossible to reach anyone via phone so I sent an email. Within 10 minutes of sending the email I received a response the account was closed. The next day, XX/XX/XXXX, I received another email stating it was confirmed as identity theft. On XX/XX/2022 I received a second Chime card in the mail ( card XXXX XXXX XXXX XXXX ). I immediately sent another email about the second fraudulent account. Response was again very quick stating they were transferring my email to a specialist for review. Since the last email I have made several attempts at follow up with no response. I need confirmation first of all the second fraudulent account is indeed closed. Secondly I request that my information is flagged in their system so any attempt at opening new account is known as fraud and fraudulent.
05/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98118
Web
On XX/XX/23, Someone used my card information and stole {$4800.00} out of my chime account and sent it to their personal XXXX XXXX I called to report the fraudulent activities because I kept getting notifications that money was getting taken out of my account while I was at work but by the time I got ahold of someone, the hacker already drained my account and left me with {$3.00}. They signed me out of my account and changed my personal email and phone number. I even received several emails that someone had updated my information. I live in XXXX and the hacker was somewhere in XXXX, ID and another ( hacker ) attempted to sign into my account in XXXX XXXX. They sent themselves XXXX transactions in the same day, totaled up at {$4800.00}. My account is currently under investigation but chime isnt able to put a freeze on my account for all of these pending transactions. I am a single mother of two boys and I need every XXXX I can get. Please help me.
01/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • FL
  • XXXXX
Web
I have an on line bank account with chime my social security checks are direct deposit in my spending account. They offered me their credit builder credit card I was told I put amount I want to spend on card and that's what's available but that not how it works I called them and I was told they took XXXX from my checking on XX/XX/XXXX so that was available to spend but then XX/XX/XXXX was a new statement so they took out of my money in credit builder because said I owed them because even though all my check was put in XXXX was new month took XXXX that I spent when my money was available. It is made to be confusing they took my money and I want to close account and I want my security deposit back it's my rent money and chime couldn't explain why other then month before I had put more money in but as a secured credit card that's not right I did not go over my limit I put money in to pay bills and they took money for bills 2 days after I put it in there
11/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NV
  • 890XX
Web
On XX/XX/2022, I filed a dispute with Chime Financial about the {$2.00} atm fees that have been accrued from my account since XX/XX/2022. The amount totaled over {$380.00} in just Chime fees. There was another {$400.00} in atm fees assessed from the owner of that atm. I told them that the reason why I chose to bank with Chime was because of their " no hidden fees '' claims. These fees are hidden. When using the ATMs, nowhere does it say that ill be charged {$2.00} from Chime. The only fees shown or stated are the fees from the owner of the bank which I was aware of and paid. I've contacted Chime multiple times since XX/XX/2022 and filed multiple disputes before they got back to me on XX/XX/XXXX. The email said they investigated my claims and concluded no wrong was done. Well claiming they have no hidden fees and then charging hidden fees is bad business practice and id like my {$400.00} back that they stole from me. This is the Chime dispute # XXXX.
11/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 30312
Web
XX/XX/XXXX for the amount of {$2700.00} not being credited back to my account as a provisional credit by XX/XX/XXXX. I have got an email stating that and when the time came it wasn't in my account. Chime has been giving me problems with this provisional credit. I have been dealing with them since XX/XX/XXXX and still nothing is getting done. Every time it comes near the date for provisional credit, they don't offer it and act like they don't see the email that was sent to me. Every time I call them, they have me on hold for more than XXXX mins, they hang up on me, they keep stating they will expedite an email to the department who is handling my claim. Then when I get an email from them, they still disregard my concern and don't acknowledge my concern for the provisional credit. I was on the phone with them throughout the day on XX/XX/XXXX and every other day since I started this claim. No one can not help me, and they keep giving me the run around.
10/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • 85364
Web Servicemember
I spoke with XXXX I spoke with another individual that told me his name was XXXX with a completely different voice. I talk to XXXX and someone that goes by the name of XXXX. On every occasion through emails or phone calls it's been a run around of the checks in the mail then I get an email saying oh well your accounts closed your money is safe we'll send a check out to you within 30 days all the while and ask them to expedite that to me or to transfer to an outside account and can not get nothing done with them they say they're going to do it and then I get an email stating that they didn't do it but that they're going to do it. XXXX was very unprofessional incompetent at a minimum regarding his job to help me as a banking customer all I kept doing was reading baseball off a screen or script stating what your accounts closed this that and this and it had nothing to do with the issues of them getting me my money. There's already fraud on the account.
04/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OH
  • 43229
Web
I had my car broken into in my wallet stolen on Thursday, XX/XX/2022. There was {$210.00} taken out of my account using my stolen debit card. I called to report this to Chime, the bank, Immediately upon finding out. They advised I had to wait until the charge posts to the account. I waited until this happened and started a fraud dispute on Saturday, XX/XX/2022. I woke up Monday morning to see that my dispute was almost immediately closed and there was no attempt at contact or correspondence sent to me by chime. I called them immediately and they refuse to tell me why my case is closed, they hung up on me 3 separate times, and they refused to let me speak with the investigation team. I have attempted to reopen my case several times and immediately receive emails stating there is no evidence or cause to reopen. But then they wont advise what evidence is needed. Chime bank has not provided me any recourse to take not any explanation for their decision
09/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • KY
  • 402XX
Web
The only thing I want The chime bank investigation team to call the Dispute Resolution Department : ( XXXX ) I disputed to my chime bank from the merchant in XX/XX/XXXX. I also emailed Support Chime many of evidences include the letter from the dispute resolution department. The investigate team declined me three times and did not call Dispute Resolution Department to verified. On The month of XXXX, the merchant sent {$1300.00} to my wrong old card and it went directly to Dispute Resolution Department as charge back and they held my money and I have No idea where my money goes. I tried To call the Dispute Resolution Department but they stated that my chime bank need to contact me and refuse to speak with me about my fund. Im so upset and frustrated because I did What I could To get my fund back to my right card number. I NEED CHIME INVESTIGATION TO CALL Dispute Resolution Department : XXXX so I can Get my funds back to my account. Thank you
06/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 23320
Web Servicemember
I have had multiple problems with money being siphoned out of my account on multiple occasions. I have filed disputes which were denied in 24 hours or less with no investigation into the matter. The bank said they would send me a decision letter within 10 business days which i never received and continuously requested for weeks. From my knowledge they do not adhere to Regulation E under any circumstance. My most concerning dispute was filed on XX/XX/2022 for {$1100.00} to claim id # XXXX. I sent an overwhelming amount of emails and made the same in Phone calls to support but was continuously told that there is no way to speak with the actually dispute department because they had no phone only email. I have been trying to figure out ways to get this matter resolved. In my search i found there have been a numerous amount of people with the same issue and was told this is the best way to get attention to the matter other than contacting news outlets.
12/05/2023 Yes
  • Prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Trouble getting information about the card
  • CA
  • 95116
Web
Because I currently am unable to obtain an account with a bank, I had to settle for a prepaid card of which I've used for THOUSANDS of direct deposits considering that I am a XXXX in the XXXX XXXX and get paid well. SOMEHOW Chime is unable to verify me... I've followe there instructions did XXXX on multiple occasions LET ME COUNT THEH WAYS! and yet I have no access, they stated my e-mail was not the same. On one occassion I spoke to someone that was able to verify my identity using my name, address, social and card ( on hand and file ), so she changed both my phone number and e-mail, that was sometime early XX/XX/XXXX. Moving forward, to I want to say XX/XX/XXXX I am notified by the IRS that they had direct deposited a check that I was expecting to recieve in the mail but instead deposited into said Chime account. I have not been able to log in or gain access since, apparently my e-mail, once again does not match ... it was over {$1000.00}.
05/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 959XX
Web
I have a chime bank account and they first of all my my account got hacked by a hacker that opened up a XXXX in my account and also sent money for my XXXX XXXX because they stole my wallet and my phone and I disputed charges and they keep on denying it and it's over {$1000.00} and I'm not going to take a loss of something that I didn't do that's number one number two is I went to try to cash a check and it said I haven't got screenshots and said that it would be available by XX/XX/XXXX when XXXX XXXX came around it said that it would be available that same day and then it wasn't they denied it after it said that it would be available by XX/XX/XXXX and it wasn't then I talked to him about it and the dude hung up on me and told me that he would talk to customer care about it but he never did it says in their check cashing thing that whenever I cash a check {$200.00} is supposed to be available and it never was my check was in there for XXXX days.
04/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • IL
  • 60644
Web
On XX/XX/2022, at the end of the day ( payday ) after checking my balance there were 2 charges for XXXX that I didn't make. I immediately called XXXX thinking they allowed someone to order on my account, but after providing the names of the restaurant ( one in XXXX XXXX ), I advised that was not my purchase. I also provided information on my XXXX account that my last order was on XX/XX/2022, but to no avail. I received a result of denied in a matter of minutes and they couldn't have reviewed the email I sent. The agent I spoke with the name was XXXX. I called back with an appeal and spoke with XXXX who stated he found the email ( I had sent it to the wrong email address ) so they couldn't have reviewed it. Again, they immediately declined the appeal which I do not understand because I sent proof and this time, supposedly, XXXX attached it to my appeal. I didn't make those XXXX purchased on XX/XX/2022, one for {$76.00} and the other for {$72.00}.
10/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10028
Web Servicemember
Chime Bank is a disaster. I have pursued a dispute with the company and opened the dispute within a timely manner. Regardless of sending Chime proof, they closed my case NOT in my favor. Chime Bank sent me emails ( which I have inlcuded ) that stated that there WERE errors on the account and that I would be permanently credited for my disputed transactions ( paying via other means ). I sent a detailed document from my XXXX bank account PROVING PAID BY OTHER MEANS. Recently received email from CHIME denying me my dispute ( regardless of stating the dispute was in my favor ). The reasoning/Chime 's proof was UNINTELLIGIBLE. they sent a practically UNREADABLE document that displays a transaction in a general manner, without OFFICIAL LETTERHEAD. There is NO Proof supplied by Chime/Merchant that would make their proof more legitimate than MINE. I have the proof, chime stated it was NOT in my favor because of an unofficial document THAT PROVES NOTHING
10/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TN
  • 372XX
Web
I have been charged at ATM 's. They were supposed to be free for me. I was charged at locations like stores. There wasn't supposed to charge me for taking money off. Also I have canceled cards more than one time. Somebody keeps hacking my account using money out of my account without permission. I keep having to do a far climb, and it happens every so often. And it's getting tiresome because sometimes. I don't get the car for a whole month. Or sometimes they don't want to do anything about it. And they don't speak proper English or the phone. You have to speak talk text on the online app for chi 'm. And it's just getting to the point where I might have to switch. Because the deposits are not posting. When I supposed to post a post? Money keeps coming out of my account. It's not supposed to be coming out and it takes too long to dispute it. You have to wait a long time. I understand that but at the same time. I have to pay things when I get paid
08/17/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 95825
Web
On XX/XX/2020 I opened up a chime account in order to get my pua assistance. On XX/XX/XXXX I received an email from chime stating I had received a deposit of {$2700.00} dollars. Then later that day received another email to confirm another deposit of {$9600.00} was also deposited onto my chime card.During this time I still have not received card in mail. Then on the XXXX I received an email stating they closed my account and was not eligible for refund because I some how violated there amendment # 9. I did not receive my card until the XXXX. So I called the number provide by chime and when you call they ask to type in phone number so they can access the account so I do that but then an automated message comes on and says I'm sorry your account has been closed and then it hangs up. I've filed with the Bbb but haven't received a response in over 3 weeks. So now I'm trying to see what you can do to help me.in this situation. Thank you! XXXX XXXX
06/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 90048
Web
I bank with Chime.com. A couple months ago they put my account under review because of an accidental over transfer. I was trying to move my savings from another bank to chime because they have a better APY. They froze me out of my account and put it under review asking for source of income, ID and address verification. I provided all of those. They would say it will be 4 hours and then it would take days to get back to me. It was a long hard journey to get that access reinstated. Now mere couple months after that verification, today I wake up to a 1am email notifying that my account is closed with no heads up and no information on which of their policies were violated. I called the support number and reached out to email and I get directed to the links with no in person support on which item caused this situation. On top of that, they somehow always manage to do this days before rent is due. The sheer abrupt behavior of this bank is alarming.
08/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60056
Web Servicemember
-My funds-approx {$750.00}, have been frozen since approx. XX/XX/XXXX and is still frozen today XX/XX/XXXX. -I have provided everything they have asked, sometimes there have been up to 12 days in between responses from their " review '' departement. -Their telephone customer service reps. can't help at all. -They kept requiring me to send in a physical copy of my social security card ( they had my number from day 1 ), which I didn't have, and finally asked for my birth certificate instead, which I sent immediately, then new problems arose. -They are asking for my source of funds which were {$13000.00} over a XXXX month period. I gave them full disclosure, and have sent over my XXXX tax returns, license, birth certificate, XXXX from the military, and utility bills. I also sent them numerous emails with explanation. I also have a passport to offer them. -I used the funds to pay off credit card debt and now I am broke and my kid is hungry.
04/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AR
  • 71913
Web
On XX/XX/2023 my neighbor stole my phone out of my vehicle while she was shopping with me! I thought I had left my phone in a store somewhere. That same day I had received my tax refund and immediately transferred it to my savings account. On XX/XX/2023 I was sent a new phone and immediately logged into my Chime account where I discovered my money had been drained from my account via XXXX XXXX. So my neighbor stole my phone, logged into my Chime account and slowly transfered all my tax refund check to her husband 's XXXX XXXX. She created a new XXXX XXXX and was able to connect my chime account to it. Her husband had built a driveway for me so I had sent him money in the past so that's how I knew who had done it! I immediately went and filed a police report and there is an active investigation. I submitted the police report and some other paperwork to chime and within 7 days they denied my dispute and refuse to give my almost {$600.00} back!
10/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 94619
Web
I have been denied access to my account and the company makes it impossible to speak to anyone regarding the issue. I've attempted to verify my identity in every way they proscribe, and several others as well. My complaint is not so much about the fact that I've been denied access to my account, but it pertains to the lack of a real escalation process in place at the bank ( which is not really a bank technically I suppose ) Chime. The access was denied yesterday - I noticed it around XXXX. I stayed on the phone with Chime customer service for hours last night being repeatedly told that there was nothing I could do but wait for the fraud department. I was never given any sort of number to track my case, and it seems that every time I contact them, the process starts over. Ultimately, we as consumers are paying the cost of Chime can offshoring customer support, giving the agents very little training, and not empower them to solve problems.
10/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • PA
  • 16602
Web
On XX/XX/2021 I was notified by email that my savings and spending account was being closed they did not disclose a reason. I use my chime account for my direct deposit and I also gamble legally through XXXX, XXXX XXXX, and XXXX XXXX. I withdrawal from the betting apps into my XXXX then from XXXX directly to my Chime Banking account. I am not sure if that is why my account got closed but I have over {$9000.00} in my chime account that i do not have access to. I am writing this complaint so I can get the money that is rightfully mine back in my possession. On XX/XX/2021 I tried to call Chime support but could not talk to a live person. There is no function for that. I also called the XXXX customer service number and they transferred me right to chime. I also emailed chime and I am only getting automated responses back. I am attaching all of my deposits from XXXX where it shows I got the money legally and legitimately through online gambling.
05/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NC
  • 28226
Web
Chime allowed an account to be fraudulently opened in my name. I received a cash account card in the mail welcoming me to Chime, when I had never even heard of Chime before. Their security procedures are extremely risky and should be investigated for being an open avenue for fraud in the United States. The customer service team refuses to help because I do not have the email address that was used to open the account. This shouldn't be surprising as the fraudster did not use my own email. Without any physical locations, they leave no options to close the fraud account other than emailing even more personal information to an institution I do not trust nor want storing my personally identifying information. This contrasts to financial institutions that will resolve the matter in person or without requesting your social, passport, or driver 's license. Chime .... you MUST close fraudulent accounts using more advanced methods to identify fraud.
11/25/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 935XX
Web Older American
I get direct deposit every month from social security on the XXXX of month and if that falls on weekend or holiday then it is supposed to deposit the Friday before that which should have been today. This is second time in couple months chime has done this now my payments for car insurance will not go thru and policy cancelled also my phone and I have a XXXX XXXX and supposed to have phone to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus I'm XXXX and have limited income and this will cost me reinstate fees plus higher rates and will make my credit for online payments of bill bad affecting my credit. I contacted them online chat email and phone was treated rudely insulted and lied to. And told me they don't have to release my check until XXXX. Which is not true mine is released by my birthday. They did this a couple months ago and admitted after that it was their mistake. They don't care even though I've banked with them 5 years now.
02/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NJ
  • 07869
Web
I received a Chime card in the mail with my name and address on the weekend of XX/XX/2023. I never requested to open a Chime account and never received any email or phone confirmation that I had opened one. I believe this was connected to a fradulent phone call that I received the week prior on XX/XX/XXXX. My XXXX credit card was receiving fraudulent charges, so I spoke to representative who called me after I responded to a XXXX Fraud text alert. I believe the first representative I spoke to, who claimed to be from XXXX, was actually a scammer who stole my information and did not help to remedy the problem. The fraudulent charges and closing of my XXXX credit card were only taken care of when I spoke to a second XXXX representative shortly after calling XXXX again. I placed a fraud alert on my account and began credit monitoring the day after this experience, but believe it's possible that the Chime account was opened prior to that.
02/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 77099
Web Servicemember
I was incarcerated from XXXX XXXX and sent my proof to Chime bank as well. My wallet, car keys, etc was left in the home I shared with my ex girlfriend at the time. I too sent in the police report that I filed against her as well. On XXXX XXXX she made unauthorized transfers to her account for {$410.00} dollars then on XX/XX/XXXX upon my release she got hold to my new card that was sent to the home address in which I sent proof that I can not legally be at ; and she activated the card and transferred another {$600.00} dollars. As I mentioned I provided my incarceration documentation, police report, and bond conditions. Ive been denied 8 times and each time the investigation send me the documents that they based the decision off, they never include my incarceration papers ; despite the staff physically attaching my documents themselves. This has almost been 2 months and its an ongoing headache. I just want this properly resolved if possible.
01/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CA
  • 92376
Web
On XXXX XXXX I called to file a fraudulent claim unauthorized. Chime said I have to wait XXXX I called back on XXXX and they then filed the claim wrong I called on XXXX to get an update and I was informed that the claim had the wrong category. Chime said they will update the category and I would receive credit in XXXX. I called in the XXXX and they closed my dispute. I did not request this, they said well you have to wait XXXX they are giving me the run around. They denying me of filing new claim the correct way. XXXX complaint number XXXX XXXX hung up on me XXXX XXXX XXXX XXXX XXXX dept XXXX XXXX supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX up on me XXXX XXXX XXXX XXXX disputes XXXX XXXX XXXX XXXX supervisor XXXX dispute XXXX disputes XXXX disputes XXXX-supervisor How can your complaint be satisfactorily addressed? I want my funds immediately or I will pursue legal Action
03/07/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NV
  • 89031
Web
On XX/XX/2023 I receive a text from Chime to verify my debit card activity for a XXXX XXXX charge. The text stated if you recognize or authorize to reply. I replied with a no. Soon after got a call from a Chime agent stating I need to change my password and he needed to verify to close debit card and reissue new card. He sented me a text with a passcode to reset password. He told me my account would be locked for 24 hrs. And call back reset password. Monday, XX/XX/XXXX I went to my account to reset my password. I logged in and 5 transactions of XXXX were transfered out without my permission or knowledge. To an unkown email address. My account was totally wiped out. I called Chime immediately spoke rep who filled out a transaction dispute. Today XXXX I recieved email from them denying my claim .No reason gave. I resubmitted another claim and was told atleast 90 days. I file a police report with XXXX XXXX XXXXXXXX XXXX XXXX case number XXXX.
12/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MN
  • 55418
Web
I need help with my account. I've been trying to get a hold of someone and get it figured out since Friday morning. I can't get a response on the app or via email. This is regarding my acct : XXXX XXXX. Email is : XXXX. Chime tag : $ XXXX XXXX I have an open support request ticket on the app and that number is : XXXX. Social Security Administration released my XXXX payment to Chime on Friday XXXX and it's no where to be found. The XXXX person I was able to get a hold of briefly just told me that you don't have it yet, you don't hold deposits, etc.. All the stock, default messages. I sent the proof of the payment being released to Chime also and verified with Social Security Administration that the routing and account numbers were correct. I'm just over the top stressed and in tears over this, as that's my only income and my bills are late, I had to cancel an important meeting regarding my late mother 's estate, due to not having any funds.
01/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77019
Web
On XX/XX/2022, I was at home in XXXX, TX when I received an email from Chime that my bank account ATM withdrawal limit had been met for the day as someone was in XXXX, NY withdrawing funds. When I opened my Chime app for further investigation I saw that someone withdrew {$2900.00} from my account. Confused because I had the card on me I immediately called chime to dispute the transactions. They told me I had to wait for the transaction to post before I could dispute them and proceeded to assist with cancelling my card and issuing me a new one. Two days later on XX/XX/XXXX they said they found no error and closed my dispute. I uploaded a receipt from a purchase on XX/XX/XXXX in XXXX texas at XXXX as evidence that I could not have withdrawn money from an ATM in XXXX NY when I was clearly in XXXX XXXX TX and again they denied my dispute. I have called countless times to reach a competent person to assist in refunding my funds but to no avail.
07/14/2023 Yes
  • Credit card or prepaid card
  • Government benefit card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • OH
  • 45371
Web Servicemember
The card is under spot me the card has a XXXX limit of credit for overdraft it is offered for XXXX but I found out you got to earn the the money the reason why I am contacting the cfpb for Friday is because the card is under too many transaction for overdraft limit the card is XXXX and the limit was reached but I'm sure that I don't make the authorizations to the app instecart. And what is wrong is it has a bunch of charges made past the spot me limit and wasn't made by me at all. The same day I had other instecart charges. Probably made by hearing my card number hooked to a psych tenny spunge. From a XXXX XXXX I hear old men and feel different stuff set up by the hospital. And my card was deactivated by a representative acting rhetorical to the dispute for having to make the dispute. And shut down the card. For instance the way he acted was hearing suspicious. For controll of the card. To send it back through the mail. A chime visa card.