Chime is an online banking app that allows clients to save money through no fees and automatic savings. There are no brick and mortar branches. Unlike other online banking services, Chime gives direct deposit clients access to their funds one or two days before the funds hit the account. There are no credit cards, no overdraft fees, and zero fees for using any ATM.
Chime was founded in San Francisco, California, in 2013 by Chris Britt and Ryan King, who realized that most people, especially millennials, hate the major banking firms. Although the company is still new, it have already surpassed more than 1 million clients as of May 2018.
Chime had an outage on October 16th, 2019, the third such outage since July. This left customers unable to make purchases or use their debit card to access cash.
The corporate office for Chime is located in San Francisco, California. Chime is backed by The Bancorp Bank, whose physical address is listed below.
Second time CHIME has just stolen my money!!! Piece of trash service run by trash people!!!
ABSOLUTELY AWFUL BEWARE!! As far as the “no fee” banking goes it is true in some regard and they do give you direct deposits 1-2 days early which is nice, but the good stops there. If you have ANY type of issue with this bank you are utterly screwed because all you will get is repeated hours long sessions to outsourced call centers in India with representatives who cannot even answer basic things. I had a dispute and ended literally wasting at least 45 hours on multiple calls, faxing and e mailing documents and still have not received any help. You can FORGET trying to reach anyone in the corporate office because they make certain that they make nearly IMPOSSIBLE to get that real address or phone number. I can only assume that this is because they do not want to be bothered by the many customers who I am sure are very angry. So, while the two college students who started this mess enjoy all the profits, their concern ends there and it shows. I have sent letters to three different addresses in California, ZERO response. I sent messages for the CEO on Linkedin Twitter, and FB – ZERO response. It is clear you will not get any help. And by the way, this “fee free” bank will charge you $4.95 to deposit YOUR OWN MONEY by the Green Dot service. So you have to pay to give them your money. No thanks. I think if any of their executives cared at all they would work to change the reputation Chime has but clearly as long as the money is rolling in and there are people who cannot get a bank account any other way, they do not care about who is unhappy as long as they aren’t.
please email me. i maybe able to help
can you help me too with Chime??
I’m in need of help as well can you please email me chaqeapatterson@ aol.com
They are incorporated in Delaware. Bancorp/Chime. You are 100% correct. An ATM took my money, i tried filing a dispute. People in India that don’t speak English. I am filing suit this week. My research so far hasn’t provided anything positive about this bank. It look’s like a big ponzi scheme to me.
I’ve tried to contact chime on my husband’s behalf. He has had a stroke and he has very bad problems trying to speak. He ask me to call to find out what is on his card and all I get from your employees is a bunch of crap. I need to be able to access his card for his meds and medical attention. Now if someone would be kind enough to help us out here it would be greatly appreciated. His name is Jeffrey Mclendon. His birthday is 7/XX/XX and the last 4 of his social is XXXX. Now if someone could please help me with this. If I can’t get help with this then I will call FCC or bbb.
Thanks.
You can send me a response to donnamclendon770@ gmail.com
I’ll be waiting for a response on this
This company is the biggest fraud organizations I have ever seen…. I waited over a year-and-a-half for card….. the card has never arrived I’ve given them three different addresses on several different occasions just to see if I would get a card…. their customer service is a joke none of them can speak clearly…. none of them know anything…. you get different answers from different for customer representative….. they clearly refuse to give you any type of help with any situation that you may have with this card for the company…. a total rip-off
This Chime company is a rip off they give you the run around can’t solve any problems give excuses why you can’t just change your personal information you need your ID are drivers license to change any information but you don’t need it to get a card when u apply Chime is really a rip off anybody have it take your money off that card and use another way
Count yourself lucky you didn’t get a card. They are fraudulent.
What a joke! If you go with this service, you will desire what you get out of this service. Don’t make me say I told you so……
I love the chime app. No bad exsperriances yet! In fact I had a website try to charge my $60 dollars on a $1 purchase and chime immediately caught it and blocked it! Thanks chime! But I’m trying the Bridget app. Out and it doesn’t work with chime I was wondering if there’s a bancorp ID. And password I can use for it and how to get it and which bancorp bank to use thank you.
This company does not protect your information.
Data Breach
Since September a person by the name of Carlton Lewis took $460.00 out of m account without my authorization, and I still have not got it back. And on Saturday morning and yesterday a man by the name of John VanValkenburg has taken $1,100.00 out of my account without my authorization. He has also changed the phone number associated with my account. They now owe me $1,560.00. I have file 2 police reports, and also a complaint to the FDIC.
I was also a victim of theft out of my checking account and have had the exact same problem as you and now I’m contacting the FTC, my attorney and I’m filing suit! I think we need to start a class-action lawsuit against this bank… It’s not a bank it’s a scam
Lets do it!!
I agree
This is BS!! I was referred by a friend for the chime card. I am a single mom and am only able to work part time. My paychecks are NOT more than $200 in one check because I get paid weekly! When I first set up my Chime account, I called customer service to ask if the $200 for you to be eligible for the referral bonus has to be direct deposited in one transaction…I was told BY CUSTOMER SERVICE that it DID NOT have to be in one direct deposit as long as you have $200 direct deposited within 45 days of opening your account. Now they are saying that I don’t qualify for the referral bonus because I didn’t have a single direct deposit of $200 or more! That’s bulls**t! Misinformation, poor customer service, AND FALSE ADVERTISING!! NOWHERE on the website or the app does it specify that it has to be in ONE direct deposit!!
They call themselves a bank but they are far from it. I recently opened a a bank account with them and set up a direct deposit. While waiting for forever for my card to come I tried to get $5 transferred over to my boyfriend accounts who also has a chime account. Because I didn’t have my card yet I had to send my ID, social, the amount requested, and email address to the support team to have the funds transferred electronically my boyfriend had to do the same. We both sent what was requested from the support people and didn’t hear anything back from anybody. So we call customers support to find out what’s going on. The first gentleman we had to repeat ourselves several times just for him to understand what we were trying to do finally when he understood he came back saying they didn’t receive the information when both of us had service support numbers. When asked to speak to manager she confirmed that they received all the information that was needed but now he had to wait for the support team to verify information when she just said everything was verified. When I asked her to get in contact with whoever could help us her response was they can only communicate through email. When asked to speak to her manager she said their was no way they could help with the process and it would take 24 hours. Never informed by anyone that it would take that long now I have funds that I can’t access because I have to wait for somebody who member services can’t get in contact with to verify the information they already verified just to get $5 transferred. A normal bank if you want to deposit money into someone accounts you don’t need them with you or their ID or their social you need their account number and the funds. If you call in the first thing they ask for is you name, birthdate, last four of social, and a recent transition on the account to verify your identity. If that isn’t enough verification to transfer $5 to another chime account, Chime may want to reconsider the inconvenience they are creating for people because they have most definently lost two customers. And the customer service was horrible both managers I spoke to was rude the first one even threatened not to help and I wouldn’t get anything done.
I HATE CHIME BLOW UP BAD CUSTOMER SERVICE
They can barely even speak English and it’s the worst customer service of anybody in the entire banking industry
I can not get a bank account at a regular bank so i was using paypal & went through hell with then keeping me from my money so i decided to stop using them and switched to chime. I got my card in the mail i activated it the next day i deposited all my bill money on it which was quit a bit of money every dime i had. I went to use my card the next morning to pay my electricity bill which was past due and it was declined and decline over and over them i get an email saying my account was close with no explanation why. Now i have no money sn my electricity will be shut off tomarrow .Say bs as with pay pal
That’s because they are frauds. Chris Britt and Paul Ryan….
My wallet was stolen and my card was not in my possession someone got a hotel room and other stuff over 300.00 was spent and I am told there is no error. How is there no error if I did not have my card. These charges over drew my account and they want me to pay it, the hell if I paying that.
They need new proof to reopen the claim, what other information is needed when you wallet is stolen and you don’t have your card.
This is the crappiest bank I have ever dealt with. I would rather have an account that protects my money and wait 2 days for my check then to have my money taken and get my check 2 days early.
We need to file a class action lawsuit against chime! Feel free to forward me your information and I’m going to talk to an attorney about how to get this started. I was scammed out of $300 in my checking account and I have yet to receive a credit from chime since early December.
On filing with the ftc and contacting my attorney
Chime.is holding my money after I went to market paid 55$ for food and ask for cash back. These people charged my card 3 times!! And didnt even give money baxk! BROKE entire weekend! Put hold on my account and says wait 7 days, even though I sent in like 50 copies of my receipt. This is a scam! Closing account soon as my money is freaking returned. This is a joke, as well as customer service, sent 50 copies, to get MY money back! These people are criminal!
Thos is why traditional banks will never fear these people. Messed up transaction, they fix same day! This chime bank is a joke. I will NO longer deal with them! BROKE for days while they sitting on my hard earned money!
SHAMEFUL!!!!!!!!!!!!!
The same has happened to me and I’ve been fighting for weeks to get my money back. They had the nerve to send me an email asking me to contact the person who stole the money to ask for my money back as if I knew who these people were! Contact the FTC and have your attorney contact them which is what I’m doing and I’m filing a suit.
We need to start a class action lawsuit against this ” bank”
I have a problem accessing my funds. I have ordered a card twice also tried to get my money transferred 3 times to another chime account! I know your policy states up to 24 hours but it has been 3 days of the consecutive run around. Its getting annoying and I’m losing trust in Chime. Please attend to the mistakes your company is making.
I lloved, and i mean past tense this bank. Recently the whole bank system went down and we were not able to have anything coming in or going out, the debit cards were just cut off and back on. I had a payment due that day and it was due to the system errors that it did not go thru. Now i have to pay full price, and most of it up front. I cant afford this being i am the only one working in my household. Chime will not even write a letter stating that the system went down.
i mean and that is not the only problem. I also never got any referell bonus. Then someone stole and used my card to pay for a phone bill. I have total wirelss and the bill paid was straight talk, and they still say its not enuff evidence to make a decision on whether i did it or not, so there fore, they have not give me back my money. Where can we turn for help.
I was robbed on 10-21-2019 i sent in a disbute form and the case number of the case and the bank info where i was robbed and they refuse to credited my account back my money that I was robbed for.
I have the same problem. Contact the FTC and we need to consider a class action lawsuit
Chime really got me up set an lock up over something they did wrong an don’t want help me with nothing but just say sorry for what they put me thru I trusted them with my money an when I go to get it out it wasn’t there because they move it somewhere they an I don’t know I needed it when I went to the atm that was the reason to go to them atm an I just get a sorry an I had to sit in jail because I couldn’t pay my bill wit a card I needed cash but we trust y’all wit our money an get a sorry when y’all mess up
Please give me my money disabled and need my funds
I WANT MY MONEY NOW I WORKED HARD FOR MY MONEY YALL BETTER RELEASE IT NOW I WAS SUPPOSED TO GET IT YESTERDAY NO ONE IS RESPONDING BACK GIVE ME MY MONEY
I WANT MY MONEY NOOOW YOU PATHETIC EXCUSE FOR HUMAN BEINGS GIVE ME MY MONEY
NO ONE CAN ACCESS THEIR MONEY TODAY! None of the customers were alerted, the only place we can find any feedback from your company is through Twitter and it’s just an automated response over and over not explaining WHY WE CANT GET OUR F-ING MONEY! All the services are Down except for direct deposit so you won’t give us our money but you can still take our money that makes no sense face it you got hacked hacked and you don’t wanna admit it now you’re f-ed and you owe all of us all of our money and more compensation for all the inconvenience this put every single one of your customers through today. This is an out rage and the fact that you can’t even communicate to us what is truly going on you. You have already lost every single customer that is affected by the “Outage”. And if it’s everyone worldwide who is a child who was affected then you just lost every single customer you have Man it’s crazy how you drop the ball on something this major and you go from being on top to that bottom of the bottom
These people are completely unable to handle those with disabilities and or the claims department is completely unacceptable and they completely ignored the facts how can one out of 5 transaction done on not only the same day but also the same time only show one out of five transactions that where unauthorized transactions be concerned a error and possibly consider that it’s because of who has made the transaction and not to witch the manner of the transaction where made like only receiving a part of a transaction that was understood was unauthorised though because it’s spectrum Mobile its completely ignored and let not forget about the fact that it’s from almost a year ago which I had not even been a chime member on top of the fact that my us bank branch manager was the agent who filed that claim against spectrum Mobile and that it was found in my favor so what the fuck dose chime bank have anything to do with this issue that’s literally almost a year before I had ever had a chime account sounds like favoritism to me you or your account that should be protected just simply isnt
Everything about this company sucks! They are literally the worst! Yes, worse than netspend! And that says a lot!
Customer Service is non-existent. Check deposit feature on the app was not activated until I made several phone calls and emails, and then personal checks were always rejected with no notice or explanation. Customer service responses are all scripted or form letters, seldom responsive to the issue. It appears that the only department in the company which works well is their advertising crew. The only reason I gave them even one star is that zero was not an option.
They are horrible. They either returned my direct deposit to my employer on the 18th or the 19th depending on who I talk to. No one can you me a straight answer and after 30 minutes on the phone earlier trying to talk to a supervisor they hung up on me
These people are scam artist and crooks
I would love to get ahold of a corporate phone number but they seem to hide that really well I’m sure they don’t want the phone calls from people like us who been screwed over
I TOTALLY AGREE on all the negative comments!! I have been dealing with a credit dispute for over a month and even the merchant spoke to them and put it in WRITING the charge was incorrect and they still have not removed it. I have wasted hours on the phone with customer service who are not even in the USA and can barely understand what you are telling them much less help you resolve anything!! If you want to try to locate the corporate information GOOD LUCK. Chime PURPOSELY makes it almost impossible to get a good address for anyone at the executive level or based in the US because they know how many people are angry with the poor service!! They may not charge fees but trust me do yourself a favor and switch to Ally or Aspiration – both charge zero fees and you can actually reach someone in the same country you are in who will help you. I have mailed letters to several different addresses trying to get the right corporate one and it is a joke. Mr Britt you may be smart and had a good concept, but you should be ashamed of yourself and what you deem customer service. People deserve better meaning a good account and GOOD customer service not no fees but you have to go through hell to get help with anything! TERRIBLE! I CAN’T WAIT TO SWITCH AND WISH I WOULD HAVE SIGNED UP FOR ALLY IN THE FIRST PLACE!
THATS WHAT THEY DID TOO ME TOOK $450 AND GIVING ME AWHOLE RUN AROUND NOW THEY SAYING THERE NOT REFUNDING
I have not tried to even use or log in to my account in quite some time a while but today I have tried to log in to my account over and over tried to reset my password and it’s telling me they could not complete my application for the account because of my application answers
Chime is a darn joke!!! I do not recommend this bank to anyone! Now, I am dealing with a lawyer and this place can kiss my darn butt! The reason why is because I am a contractor for Uber where I have to make quarterly payments to the IRS. But the IRS never received any quarterly payments and now it’s lost and this darn company will not do anything to help me. Thus, this has been going on for more than a year that I am dealing with these people! I’m just not getting any satisfaction!
I have been fighting with them back and fourth for a address change that they state cant take a lease agreement as a proof of address which is unfair seeing how i have my utility bill in my significant others name and stating they cannot do anything wont give ke corporates number so i can get my money and closed my account and basically is withholding my money that it mine that my roommate stole from me i will never bank with them again chime is horrible and need to be shut down
I’ve been dealing with a dispute since April 2019 and the merchant received the documentation from chime and responded back to then stating to give me my money back here we are in july and the merchant responded in may and chime has taken the money from the merchant and have yet to place the funds back in my account so i have hired. An attorney and that $400 dollar dispute will be costing them way more than the dispute if i where you guys and your having this issue or similar issues please contact an attorney as soon as possible.They have so many lawsuits from what my attorney showed me from taking people’s money they just had to pay a guy almost $5000 from a $140 dispute.
I am a new customer for this sorry a** company Chime. I deposited 450 dollars in card and not even 30 minutes after deposit I went to pay my bills and they f^^^ closed my account I spent 4 freaking hours emailing back and forth with incompetent employees who have done nothing. They have no support system to help. I swear they are useless and incompetent. GIVE ME MY DAM MONEY BACK. IT’S MINE MY HARD EARNED MONEY YOU A**ES WILL NOT KEEP IT.
Contact the Federal Trade Commission
Well I have dispute on my account and I look around and they close my account and keep telling me to check sections 9 but no reason why they close my account
Never had a complaint about Chime until today!!! ATT did a reverse payment for $515.08.. I called Chime the day ATT returned the payment. I was told to wait 3-5 days.. Well today is the 5th day and nothing. I have been on the phone all day between Chime and ATT. ATT emailed me the confirmation in regards to this matter.. Well all that Chime could tell me is wait till the end of the or dispute it… I asked them to call ATT with myself on the line. According to their so called “customer service” they don’t do that. I told them that it’s not ATT’s fault since they sent me all the documentations. I told Chime I don’t have time to be waiting for no dispute. Of course they said “there’s nothing we can do” FU YES U CAN!! I thought Netspend was bad!! Hell
I am very f-ing pi**ed off with Chime. I’ve been a Chime user for over two years. I currently lost my identification card and got a new phone in which I was locked out of all apps. My phone got wiped clean. I contacted Chime to help me reset my Chime app password they required me to email them back-and-forth with my ID card in order for me to Reset my password. Mind you for days I was trying to call and get in contact with an actual Chime member. So I finally contacted Chime member and they tell me there’s nothing they can do to give me access to see my account because I don’t have my ID which is understandable but you have my social my phone number my address my date of birth and all I’m asking is for a password reset so I can have access to see me spending my money thats in your bank. And you guys have all of these stupid procedures in place when someone simply needs to change their password to the app the only way they have access to their account They can’t help.
I have to wait three weeks for my ID to come in the mail so they’re telling me for another three weeks I won’t have access to see my account because they can’t help me reset my password that’s f-ing ridiculous. On top of that I needed them to transfer the money from my savings into my checking‘s because I don’t have access to do it without the app and they said to manually do that they would have to close my savings for a whole 90 days before can be reopened. I am so done with Chime run for the hills stick to your general city banks
I have had issues since May 3 and the dispute has been in review since May 13th for $340. I need my funds. Because of this my State Farm car insurance was terminated. I could not pay a loan and another bill.
I WANT. MY MONEY RETURNED TO MY ACCOUNT NOW.
CHIME TOLD ME UP TO 45 DAYS!!!! SERIOUSLY?…
PLEASE DO SOMETHING TO ESCALATE THIS NOW.
Contact the FTC as i am. Once we start filing against them with the FTC they must change
I have an unresolved dispute on a few transactions. I sent in all the proper documentations to my claim as far as my claim actually being true. I have not received the proper or professional feedback when I called I have a voice call recording to verify that I am like a step away from going to the media with those recordings from representatives in the department to supervisors that also treated me with such disrespect and actually laughed in my face when I questioned my account ..the visa zero policy states that I should have gotten provisioned credit on my account within 10 business days since the transactions was unauthorized and I provided evidence that my account was being used against my permission… I am wondering if this bank is legit now especially since the representatives cant explain why the policy is not being upheld its like false advertising
My account has been suspended for over a week nothing has been done
I want access to my money guys closed my account and it is not fair to wait 30 days for a physical check therefore should be able have option to money gram or transfer customers funds out to them I need someone in corporate to contact me ASAP ridiculous
Hello, Question- how do you Email Chime Market or ideas