Chime

Subject: Formal Complaint Regarding Unresolved Fraud Dispute

I am writing to formally complain about the way my fraud dispute was handled by Chime. I recently discovered that I had been scammed over the course of an entire year, and I immediately contacted Chime to report the fraudulent activity and request a refund for the unauthorized transactions.

During the call, I spent over an hour speaking with a representative, thoroughly explaining the situation. I was shocked to later find out that the agent failed to document anything from our conversation. This lack of professionalism and follow-through is unacceptable, especially when I was clearly reporting a serious case of fraud.

Despite my efforts to report the issue and seek assistance, I was not taken seriously and have yet to be…

I paid my bills through chime and they didn’t get paid they didn’t pay my capital one bills twice

I'm just going to make this short but clear. I am furious! I am soooooooo beyond frustrated with the poor lack of customer service Chime's representatives provided. ALL I WANT TO DO IS CHANGE MY EMAIL TO LOGIN BACK TO WHAT IT ORIGINALLY WAS IN THE BEGINNING WHEN I OPENED MY CHIME ACCOUNT.

D, I STILL CANNOT REGAIN ACCESS TO MY ACCOUNT. I RECEIVED AN EMAIL STATING THAT IF I DID NOT MAKE CHANGES TO MY EMAIL ADDRESS,I WAS TOLD TO CONTACT SUPPORT AND I DID. D. THIS IS RIDICULOUS!!!!!!!! I CAN'T BELIEVE THIS

Extremely rude customer service

Hello,

I'm still not sure why my account was completely closed. I was sent a email to check the Amendment and Cancellation disclosure which has a ton of information which I have no clue which section applies to me. I recall at the time my account had a negative balance for awhile due to no employment resulting from Covid. I never had any fraudulent activity whatsoever. I googled why a Chime account is closed and that is all I can find. I would like so much to re-open my account as of now I'm in a better financial situation. I would like to request Mediation, Abritration or get in contact with the Corporate Office or Ceo office.

Thanks

I have been trying to open an account y'all keep telling me I have an account and then you tell me I can't have an account I get direct deposit on a Direct Express Card I was wanting to change over to you guys but you won't let me and I want to know why if you could please let me know something it would be gladly appreciated

I am so tired of begging for my own money we have a hurricane coming and me n my kids need a room this is really pissin me off

Chime,

I am writing to express my escalating dismay and frustration with Chime's handling of my disputed transactions. The continuous dismissal of my appeals, combined with the glaring oversight in acknowledging critical evidence, paints a distressing picture of Chime's approach to customer care.

Despite presenting photographic evidence - two selfies taken at the time of the disputed transactions - clearly demonstrating my absence from the transaction location, my repeated appeals have been met with rejection. This is the culmination of a staggering 13 rebuttals, and the refusal to take my evidence into account during the dispute's final decision is both perplexing and deeply concerning.

Moreover, I have submitted a formal letter requesting a chargeback, explicitly citing UCC § 4-214 as…

So I referred a friend to chime and basically we didn't get the 100$. to sending her spot me. That is a scam as far as I am concerned.

Also I can't even talk to a human being when I call chime. We did everything we were supposed to do she had a deposit over 200$. Now I read online that they discontinued the referral program. So wrong I might go to another bank. I am pissed

I was dropped by chime and with my account I am all screwed up with my accounts and first deposit I'm having a hard time getting my account right thtwas penalties I'm not sure what I did to get treated like a peace t shit but I'm ready to take a look at the online experience and say I'm sorry for anything I did or didn't do I need a goods

Somehow "Chime" allowed me to overdreaft beyond my spot me limit. I initially tried the chat support feature for assitance and an answer. I was transferred 4 times. Each time I had to repeat my question/issue.

Finally, the next day I tried calling and was practically brought to tears by the way I was treated. The represetative just got more and more condescending and seemed determined to deflect fault on anyone but Chime. I finally had to just hang up the call and give up on asking for support.

I cannot express how dissappointed I am. Nowhere on their contracts, advertisements, etc. " In fact it states the exact opposite. And if you say those words to the representatives they get angry, become antogonistic, begin to treat you like a villian and actually become hurtful instead of helpful.…

Don't seem like there making a effort to get my money back

I've been waiting on a refund from Walmart since 2022. December 27th. I've disputed it 3 times an chime investion team was investing the wrong card. It's been 9 months an I know Chime has the order numbers to the items I've disputed.

Now they tell me I have to do it again. They have the proof of my orders I cancelled before they shipped the products Chime said they had to wait until I get the products before I could file a dispute.

I told Chime to cancel the entire order before they shipped the stuff.

Also I closed my credit builder account an I can't get it cashed any where I'm disabled an chronically ill an they're taking my money from my disability ck. If this can't be resolved in the next 7-10 days I will file with the courts to get my money back.

I've been going down hill every…

Iam having a issue with getting my inefficient funds of $26.55 amazon said you all probably denied it or you all have not released it to my card yet I have been fighting this for weeks now can you all please release my money please thank you .

For Letting My PPP loan forgiveness... 16,770 dollar got stolen in 2020 5620 main street Eastman Ga 31023 get stolen My Old Gmail account is nathanlhorne3@gmail.com ... I be crying and crying about my money getting stolen and they never refunded my money back to me

I have been trying for a week now to close my Chime account. I never wanted an account with Chime, but my niece sent me money using Chime, and I had to open an account to get it. I have transferred the money out, so my balance is zero. I keep getting emails about my Chime debit card, which I never activated. I just want to close the account.

Their help section says you can close the account using the Apple app for Chime. I don't have Apple. I have Android. I sent an email to support@chime.com and got a response with a link for a chat. I clicked on the link and told them what I wanted. They asked for the last 4 digits of my SSN, which I gave them, and they said that does not match their records. The account profile section does not show SSN, so I can't change it, and I have no idea why it…

l l . For 4 months I've been trying to regain access to my account which they closed meeting chime closed and lock me out because they said it was suspicious activity because I was trying to switch my phone number and

for the last form that 4 months I've been on the phone with them trying to get in then I closed my account they said my check would be to me in 30 days over 30 days have passed and still no check I call them and they didn't even close my account or send anything to me and now they're starting with the dumb b******* again how they need to escalate my situation and

they're going to email me and they need my ID they won't accept my ID cuz it expired by a couple months but I've selfies with my name my number the date the time I've sent my social security card I've sent every…

I seriously hate that I’m poor and can’t do a thing about suing this company, They have gotten away with years of stealing funds from people claiming they closed they’re account due to deposits and needs more information this is completely illegal to keep my fund especially with zero fraud going on and valid proof of deposits I’m suing

I filed a dispute I was given provisnal credit my dispute was won the merchant made mistake n charged me twice .after this was settle by chimes email the provisnal credit that was given they charged me back for it n I was never paid back by merchant so where is my money that was taken by merchant if chime says the merchant admitted to mistake n paid back .

They are not paying my money back that was stolen $500 $300 on top of it 9 time I filed disputes other charges and I don't live in Illinois at all

My money was transferred without my consent and chime will not refund me my money. I want to escalate it higher. I want them to pay. They refuse to acknowledge I was robbed

Yes I have a deposit of $200.00 from April 23rd 2023 missing from Enterprise Rental which i rent daily but I never received and Chime claimed they could see the transaction but couldn't explain why I never received it I am soo upset that im having to go tru this $200 is alot of Money for me to just Throw away i really need my money I've been talking thousands different Supervisors who claim that im gon to receive it but I still have NOT

They are thieves. Unprofessionals. Customer service is horrible, they will close your account and wont give you money that you had. Worst company

Chime took $100 out of my acct for no reason and will not refund it giving me the run around since December 21 2022 until may 1 2023 still no refund or ligoical explanation

AFTER DEPOSITING FNDS THEY LOCK ME OUT OF MY ACCOUNT ...I HAVE CALLED TO RESOLVE THE ISSUE SO THAT I VAN JUST GET MY MONEY AND BE DONE WITH THEM I HAVE DONE EVERYTHING THEY HAVE TOLD ME YO DO ITS BEEN 90 days and they are still holding my money hanging up on me and giving me the run around about it...

I was on the phone with a loan company and I'm trying to get a hold of customer service no one answers the f****** phone it's really starting to piss me off you got a s***** ass Bank get some people to answer the damn phone when people call they need help get some real people get rid of the damn computer or I'll pull my money out of time you piece of crap

Chime credit builder hurts your credit I deposited $2280 in my credit builder account and they reported to to of the credit bureaus that it is a open account my credit score went down 65 points because of this so I lost points for depositing my money in the account contacted them and was told that’s how a secured account works and that it will show paid in a couple of days and

my score will go back up in a couple of months how is that building credit trying to contact a lawyer for them postings false information and for false advertising

MY NAME IS JANELLE WINTERS-SSN/9935 DOB/03.22.94 EMAIL/janelle.winters@icloud.com

I have spoke to over chime member support agents and I have yet to get my situation rectified. My account has was closed on April 7, 2023. I have have $17,921.65 with Chime. I received my Tax Return from the IRS Wednesday April 5th via mail to my home address one check in the amount of $8562.05 and the other in the amount of $7054.74. Both checks are addressed to myself and my physical address and both states that they are “Tax Refunds” in the bottom left corner along with the years owed for. I have been told SERVRAL different things from Chime Member Support Agents/Supervisor, they all have claimed to have compiled and expidited the case to the review team. THE REVIEW TEAM HOWEVER HAS DONE NOTHING BUT MAKE…

I need my account to unlock to get my money from chime they say they are so sorry but the only things i can to is wait for review team to email but i havent got any respond yet and they havent fix my account yet

I broke my phone that I had my chime app on and didn't remember the password for the email and couldn't access the phone number linked to the account. I've done everything they have asked me to to prove who I am and still have gotten no where and now I can't access my money and I'm getting evicted from my home cuz I'm not able to pay my rent and I have two little kids and we are about to be homeless on the streets all because chime

Terrible company. Just lost myself and my dad and my wives direct deposit accounts over falsely advertising to get me to get direct deposited than not giving me a 100 or who referred me after I went through the trouble of switching so plz don’t be fooled also.

Their supervisor Kevin of member services refused to give a badge number or any info besides Kevin. Stay away from this company!!

This is the absolute worst move I could’ve ever made as far as my money goes. , they will all tell you the same story with no resolution. And there’s no way to get a hold of the people above them, the ones who are “responsible for handling problems with your money”.

I have had nothing but problems since the very beginning w Chime. They cannot even help with the little things because they are not qualified to handle consumers money. A monkey could do a better job!! You will make a mistake, as I did, if you chose them.

Your money will be inaccessible in certain situations, like mine, and for months!! And the credit builder thing they got going is an absolute joke, and cost me a couple hundred dollars due to bounced checks(insufficient funds) and all because of their wrongdoing.

Dealing w…

Account was suspended now 31 days ago for absolutely no reason. There's alot of money in my chime accounts. I've sent every bit of information they've asked for and more documenting every paycheck I've received, every deposit I sent last 90 days of my other bank account where I get direct deposit and transfer into Chime every 2 weeks. Emailed roughly 25 times.

Talked to chime representatives 11 times now. This is absurd and I need my money released immediately

I am locked out of my online app, my wallet was stolen, and I'm 2,000mikes away from home .my wife deposited every bit of money she had into my account and now we can't access it. Repeated attempts to resolve this issue have been mey with no cooperation from this business.so we are stuck with money in the bank and no way to get to it

I have a chime account and can't log in too my account

I am the husband of an account holder with chime. Permission and authorization was given to me on a recorded line with a chime SUPRIVISOR. She was no help and was very short and rude. She did not use profane language that is true but she was very rude with out profanity.

I did say one cuss word and she gave me a warning and I did not cuss again and she threatened me and hung up on me. Very unprofessional and unecceptable I am appalled at how they handled it and I want answers.

I also want a resolution to my original dispute of a pending transaction I would never use chime again it’s awful as of now. I transferred 35$ from varo to chime instantly but chime says it takes 3-5 business days that is ridiculous they give no forwarning warning as to that long of a wait.

So ya my review rating…

I am trying to get refunded for a transaction from their Pay a Friend feature since the money went to an account that the recipient no longer has access to.

My brother who is the recipient contacted Chime to regain access to his account but they are unable to verify his home address. We asked for other forms to verify the account and he was told he has to email and wait for a reply which could take days or weeks.

I called Chime four times with three representatives disconnecting the lines.

I got a new phone and installed the app. Updated my password and haven't been able to get into it since. My SSA payment is deposited there. Won't let me login as my driver's license is expired. Even though just 6 months ago I had same id.

I can't verify my phone bill was paid and I can't move my money to savings or have no way to do anything. All I did was change my password and now my money is up for grabs. I have to move next week and can't make my down payment and I have proven my id kess than 6 months ago.

And my phone is off and It should not be but I can't prove it.

Iast yr I was receiving my unemployment and it was coming to my card every month more money would be missing from my card I check it and it would have things on there that I know I don't do. I told them the first time the sent my money back but it was still happening and they have not reached out any more.Diane.Jones

If I could give no stars I would. Somehow the credit builder card chime sent me all my funds were transferred to this card from my checking account. My paycheck and my tax refund. I attempted to contact them several times to get assistance with moving funds, and the agents didn't know how to help and couldn't assist me.

The app was not working. I then emailed their support to have them cancel the credit builder card and move my funds to my checking account. Instead they canceled the credit builder, but now my funds are in limbo and they are not sure when I will get them back.

They claim within a month. I am just livid as they represent themselves as a bank, but they can not do simple bank transactions, as told to me by the representative and supervisor.

My account was hacked and I have sent in every document everything stating what was going on an they still will not give me my money back

You allowed an anyone to anyone transfer from my account to my family members... How you will not refund the money back to my account or allow my family member access to their account

I've been trying to get into to my account app in chimes. I've called so many times to the point of I'm sick of calling them and getting no. Respect or the help I've asked and did everything every time of what they asked me to to get back in my account I've sent my proof of id selfies still not able to login my account there not doing anything at all I'm tired I now will change my bank.

I suggest not to use chimes they're horrible I'm not able to get in my account since November 25th I've done everything was asked still not able they've done nothing to help me everything they told me to do is not helped still they ain't done anything to change the difference bad business.

I opened up my account at Chime online and had my IRS deposited into the account I lost and forgot my log in info even mycard nobody at any Chime number is willing to help me even online I try to update and or reset my info but keeps dragging me along so when I am done it says oops your session has ra out this is so wrong how I have been done my mother just told me she will contact BBB and IRS to let them aware how Chime is keeping customers from accessing their funds

I disputed a claim for a charge and chime approved my dispute but instead of issuing a credit they charged me again overdrawing my counter was $400 and I cannot get them to fix it.

On December 12th I made a request to have my husband email changed, and the idiot changed mines instead of my husband. After several attempts they updated his account, they never fixed mines. I didn't ask for anybody to do ANYTHING to my account, so YOUR TECHNICAL SUPPORT took it in themselves to change my info, now I can't long into my account.

I been doing everything that the people been requesting but still no results. If I can't get into my account TODAY, imma just close my account and go some places else with better customers service.

Funny how when I first got this account they said you would get your money faster than payday. The first month or so I did. After I paid tons of fees to deposit cash and paid to withdrawal my own money; now it comes the same as payday.

If I would’ve known that I would’ve stayed with my original bank.

I need to get my phone number updated to reset my password. I've sent everything customer service has asked for but they still will not update my phone number therefore I can't change my password or get in my account.

i filed a dispute back on Oct 30 2022 and todate it is not settled in January 17 that I would get a provisional credit it is now January 18 and I still don’t have it now they’re telling me I have to wait another 24 to 48 hours for them to put a credit on I spoke of them at 10 o’clock yesterday 1 o’clock 4 o’clock 7 o’clock 11 o’clock and

on the 11 o’clock call they told me that it was not there a minute after midnight to call them so I waited till 245 this morning and I called they said they could manually put it on again you’re having trouble with their system so they couldn’t do it it is now 12:30 in the afternoon on January 18 and I still don’t have my provisional credit and everybody you talk to give you a different answer and

they don’t they’re all from overseas

Unfortunately, as much as I love having Chime; I'm disheartened as well. This has been the 2nd time that Chime has returned 2 of my transactions to pay bills due to insufficient funds. I've had that money available on both occasions.

So not understanding WHY this is happening. I shouldn't have to babysit my Chime account transfers, too make sure my bills get paid. So I've now had to cancel them out as my only external account transfer. Super bummed.