Chime Reviews 

MONEY LATE EVERY MONTH!! CHIME IS NOT ALL ITS CRACKED UP TO BE! IT TAKES LONGER THAN 30 DAYS TO RECEIVE MY SSI WITH CHIME THAN IT DOES WITH THE SOCIAL SECURITY DIRECT XPRESS CARD & IM GUARANTEED TO HAVE MY MONEY IN 30 DAYS OR LESS! IT WAS ALWAYS ON TIME LIKE CLOCK WORK!! IM CONSIDERING MY NEXT MOVE

Terrible, horrible customer service. They basically scammed me into opening up a new account baiting me with the $350.00 bonus. When it came time to pay after I completed all the qualifications they said I was not eligible and could not give a valid reason. 1 hour spent on the phone arguing with an overseas rep that could barely speak english and could not provide a valid reason. Just horrible. Taking my money out and going with another bank. Plus, no real paper checks, their version of Zelle has extreme limits, and you cant transfer money to another person through bank account unless they are you. Their website is very, very bare and you cannot even chat with anyone online. Just horrible all around. Run far away.

Worst freaking app ever . I’m speaking to a lawyer now .. they play with people’s money way too much … someone had stole my cards and phone and spent and sent majority of my money and of course shitty ass chime denied every dispute within a day without even looking into it or actually investigating.. worst fu(k!ng bank app ever .. I will be closing that shitty fu(k!ng account and opening up a lawsuit nd now a police report. Weak ass app I’m irritated I lost almost 1k dollars to a scammer. Useless b*****s refuse to do anything STEER CLEAR FROM CHIME

They closed my account and won’t give me my money for 30 days. It’s my social security money and they left me with no money. Terrible company. They don’t help you with fraudulent transactions because they are a fraudulent e. AVOID!!!!!!!!

This has been a learning experience for me in that a) I was new to strictly online banking--also with a financial services provider; b) I was not retired when I first became a client so my needs were different. I took a chance due to its backing by a solid bank and am glad I did! Regretfully, I left them for a period of time but returned after retiring. (Aside from the array of beneficial basic services provided, their flexibility enables personal merit based perks, including for long term clients.) Since I signed up with Chime I have noticed new features and upgraded accounts with improvements affecting savings rates, deposit amounts, transfer types, quick &simple loans, cash-back deals and incentives, plus the expansion of free ATM /service store locations and partner offers. Regarding their customer service, there have been a few times when I needed their assistance and in each instance I was able to receive help right away, if not immediately. One time, I was in the middle of the checkout process and due to the time factor decided to use a backup method through Chime instead of the original attempted payment method (I was on the phone with them while checking out and I ended the call...they followed up with me right away.) It went smoothly; I am at the mercy of cellular service; it is ongoing.

As a customer of Chime since 2018, with over 6K of direct deposits going in from payroll and Social Security monthly, I am absolutely fed up with your My Pay system. In the past, I would repay the $500 and immediately be able to borrow $500. Now, it is offered in increments of $75 per day and each time that any amount is borrowed, there is a fee attached. So, obviously, you are making more money from me with each increment borrowed daily. The customer service supervisor I spoke to told me that I'm only being offered in increments is because I borrow from My Pay too often! First of all, that's a bunch of nonsense because I enjoyed borrowing the lump sum of $500 for many many months without any issue. But now, I'm offered $75 per day with the fee attached as I just mentioned. I tip nearly every time I get a direct deposit as well because I am trying to "pass it on" to other customers. But wow, nice way to treat an 8-year customer! Being told I borrow too often, which is just an excuse and an insult, when you know that the daily fees that I'm being charged is actually the reason why. Shame on you. $Sandra-Bartlett-1

I love my chime! It's easy the mypay comes in handy, the security measures are awesome. It's user friendly, anyone can maneuver through it. Even transferring funds is super easy. I love it here!!

I love Spot Me. Also, I like getting my funds two days early.

My money has been stolen twice off my chime account. Chime does nothing they don't contact you ask you what happened or nothing . They wait on the merchant to do a refund then they act like they never received it .They do they own investigating and never ask about anything . Thats because when the companies refund money chime keeps it and act like they never received anything all these companies is not lying .I have had claims denied where people literally stole my money and they done nothing .you can speak to a supervisor their customer support it terrible. No real investigations is beging done people keep robbing my account and they are doing nothing. I just had a Uber charge me 40$ twice for the same ride and they done nothing. Uber said they refunded the money and chime never put it in my account Then if they do issue a credit it's weeks later so if you got bills to pay or anything your screwed. They don't fight for they customers they take your money and when your money is stolen they don't care. I just had door dash scam me out my money I got nothing. Said they issued a refund and I never got it now Uber saying the same thing. Chime is getting people refunds and keeping them no money gets put back into your account and they blame the merchant. They will deny your claim and keep your refund money. Door dash did a refund chime never gave it back. Now uber saying they did a refund and chime not giving that back either. So anything happens and you need a refund don't expect to get it . They don't process none of your claims chime is a scam and I'm over it and done with chime.how people sending me back refunds and y'all keeping the money. Everybody not lying I got two different companies saying they sent refunds back and nothing hit my account CHIME IS A SCAM they steal your money like everyone else .

Do not bank here. No customer service, they steal your money and lie from the beginning. You don’t get paid two days early nor will there ever be $200 to barrow. Cash App works with you 10X better than Chime and that’s saying something.

For one thing I think this is the money laundry company I have money sent to my chime account that never hit my bank account it was just money going in my account out my account late money laundry think this company is a big scam and I would not represent no lie who will deal with this chime business

Priceline and chime

On July 1, I booked and paid for a hotel through Priceline. When I arrived at the hotel, I was told they were fully booked and couldn't honor my reservation. The hotel told me they would refund my money, but after a week, neither the hotel nor Priceline had issued a refund.

Because I still hadn't received my money, I filed a dispute through Chime, which is the app I used to pay for the hotel. I provided proof that I paid for the reservation. I was told that all the dispute representative needed to do was contact the hotel to confirm that I had paid for the room and never received it, but my dispute was still denied.

I then paid for another hotel, but when I arrived, I was unable to rent a room there as well. They also told me that all Priceline had to do was contact the hotel to verify that I had paid but did not receive the service, and my money should be refunded.

As of today, July 22, my dispute for the first hotel has been denied, and I am still out $150.

This bank does NOT protect your money. I had a fraudulent transaction for $200+. I called them right when I got the notification and THEY told me to shut down the card and file a dispute. They denied my dispute twice...if u dont mind losing money then go with CHIME. If u value what you work hard for than leave them alone.

I started using time in 2023 I didn't want to brick and mortar Bank because I was tired of them taking the service fees and all that stuff. Someone introduced me to chime and sent me their link I signed up. about 3 weeks after I got my chime debit card I signed up for the credit builder card and I had a very low 400 something credit score and less than a year I was able to buy a new car because my credit score had jumped up. I have had people hack my debit card and my credit builder card and with that being said chime took care of every bit of it and put the money back on my account as soon as I called them. And then they turned around and resolved the issue I have never had a problem with chime and I don't ever foresee a problem with chime. If you don't have a bank that you trust I suggest Chime but hey it's your money lol

I have been using it for a year with no complaints!

Excellent service, easy to email and chat with concerns. I love my Chime experience 😍

Stole my money and I dispute it and after two months they tell me I owe them more

I've been with chime for over 4 years, on 7/16 I was a victim of fraud. I submitted proof I was working on a video call, my job wrote a letter on my behalf, I submitted emails showing that my account was compromised showing attempted log ins, I reported the fraud as soon as I was aware, I showed them how someone closed my chime savings account as well as the credit builder account. Nothing matters after 3 disputes they continue to decline it. I submitted a complaint with identity theft gov and with CFPB and they still declined it. My entire check was taken from my account and chime couldn't care less. They had no compassion and did no investigation all disputes finalized within 24 hours and no real reason why they declined. Despite the fact that my account history shows I've never made transactions that size. They don't care that my money is gone. I got proof from the merchant stating that the money was transferred to another bank that was not mine and they still do not do anything. After 2 weeks of working as a single mother to support my family they seriously are telling me anything can happen in my account and they are not responsible for anything. They will not give credits, or return my money. This is a slap in the face for all the years I've been with them. I'm going to be getting a lawyer and seek help because I was robbed and my own bank would not help me. Don't bank with chime I will be looking for a more secure bank that will protect me from scammers.

Awesome people

I have trusted Chime as my primary bank for many years now. Why? Because they pay me! Other banks TAKE my money. Fees for this, fees for that. Chime actually PAYS ME to keep my money secure. Not to mention, I have NEVER been hacked since I switched to Chime.