Read 415 Chime Banking Customer Reviews and Complaints (Page 38)

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Average Customer Rating: 3.8
Rating Snapshot:
5 star: 269 4 star: 29 3 star: 5 2 star: 8 1 star:  104
Bottom Line: 73% would recommend it to a friend
Showing 408-415 of 415
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  • 9 out 9 people found this review helpful

    Lost card

    It is incredibly hard to get money if you lose your card. The fastest I can do is a check in six days (come on), and two weeks for a card (get real). Duh, I will be changing banks. Until this I loved Chime, but this is insane.

    Bottom Line: No, I would not recommend this to a friend

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  • 10 out 11 people found this review helpful

    Tax refund

    • North Carolina,
    • Feb 24, 2018
    • Verified Reviewer

    My tax refund was supposed to be deposited today, February 22, 2018. The IRS has already told me there's nothing wrong with my taxes, so it's the Chime card. If you want your taxes on time, do not use Chime prepaid card, they suck.

    Bottom Line: No, I would not recommend this to a friend

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  • 13 out 14 people found this review helpful

    Another bad experience with Chime

    I requested a check to be mailed to pay a bill. After the payment was not posted to my account in two weeks, I started trying to contact Chime.

    As previous reviewers said, you will not get a reply to emails or messages sent through the app. The customer service phone line does not give an option for speaking to a human unless you go into the "Inquiries about my account such as balance, etc." menu and wait for the last option. So first choose 2 and then 0.

    I didn't know that at first, so I contacted Bancorp and they transferred me, "as a one-time courtesy" to someone I think might have been at Chime Headquarters. He told me to wait until it had been 10 business days, and when I complained about the poor customer service, he told me "Online banking is not for everybody."

    I think everybody, online or not, expects to hear back from customer service when they have a problem. They have 55 complaints to the California BBB, although they indicate they have been appropriately resolved. That might be the way to go if you can't get their attention.

    Bottom Line: No, I would not recommend this to a friend

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  • 3 out 6 people found this review helpful

    Love it

    My car needed a new radiator, and I needed to get paid faster as my bank stopped during the early deposit. I signed up a got an extra 25 and got paid two days early. I had a question and the chat question was responded within an hour. It's easy to use. I love the alerts. I had it for a few months and no problems. Great alternative. I use this for a partial paycheck just to get money a few days early. So you know.

    Bottom Line: Yes, I would recommend this to a friend

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  • 19 out 22 people found this review helpful

    Worst bank (if you can call it that) ever! They should be sued and shut down.

    • Seattle, WA,
    • Nov 10, 2017
    • Verified Reviewer

    They lack any ability to be able to provide customer service to their bankers, any time that I have had a problem with my account they not only refuse to help me and problem solve. In order to get any progress on my problems, I have to get aggravated and rude. I have experienced a number of times I have needed to contact merchant services, and they will not help you no matter what! They go by a bankers book for dummies and will only provide you with three steps they are able to take; their problem-solving sucks!

    Right now I am waiting on a dispute for $100, so I can cancel my account. You would be a fool to bank with these people. I know I made a fool out of myself. I would give zero stars, but that's not an option.

    Bottom Line: No, I would not recommend this to a friend

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  • 29 out 31 people found this review helpful

    Worst banking experience in 40 years

    I have been banking for 40 years. I recently became frustrated with fees and inconvenient access due to a recent move. I read about Chime, and thought it may fit my needs.

    I opened an account on their website, submitted required documentation and soon received my Chime debit card in the mail. A few days later I took my newly activated Chime debit card, and with my verified cell phone and number made an opening funding deposit, via a Green Dot MonePak transaction. The deposit amount was for $500. I immediately received an email confirmation of that deposit. I went to the China app to verify also. It showed that the $500 was credited and part of my balance.

    After about one hour I went to the ATM at my usual bank to withdraw funds. It printed a receipt that read something like "transaction error, try again." I thought I had perhaps chosen the wrong account option. I repeated the $300 withdrawal request, received another printed transaction record stating unauthorized transaction.

    I went into my branch and spoke with my regular account representative (I was at my brick and mortar bank where they know me) about it. She was as perplexed as I. I went back and attempted to do a balance inquiry. It immediately gave the screen message of "account closed," my deposit was now in a "spending account," and the ATM retained my new card. I couldn't believe it. I then tried to login to the Chime app, and received an error message, stating I had my access removed. Same message on the website.

    I then immediately called the customer service number given as a contact us number on the website, and it gave the recorded message customer service closed. I had no option but to wait until the following day, and I called the same number. I spoke with a rep who told me that any account related questions or inquiries were answered by email only. They could provide zero info.

    I emailed Chime at the support address and received an auto-response that it was an error. I tried again, went thru verification that I wasn't a robot, and again response received of not valid. I then called once again and was informed I needed to include the email address of the account with all communications. I did that and never received a personal response. I did keep trying and then began to receive an auto-reply that said to email them with specific account inquiries, if it was that they would get back to me, hold on, it read.

    I called again after several days of no communication of any type was told by the rep. I didn't include a copy of my ID with my email, which they only could see one email from me. They could not answer any account questions. I submitted a new email at the address I verified with that rep, including this time an attachment of my driver's license photo. No response. I emailed again, and nothing.

    I call again, same runaround. No rep is able to answer any account questions nor give me an explanation. When I requested to speak with someone in a supervisory or manager capacity I was told there is not one to speak with. The only option I was told was to email. This is now day 8 of no type of explanation, and zero response. I emailed again, even trying several other possible email addresses I've located on the internet.

    Today is now two weeks exactly, it's been 14 frustrating days, and I've yet to receive even one human reply. I have continued, though, to receive emails from Chime regarding account services and promotional type messages.

    I've never had, in my 49 years, a relationship with any financial institution where I could not speak or receive written communication regarding my account specifics. I'm now angry, in disbelief and shock that a company could be in any position that they felt they did not have to answer to their account holders. It's my hard earned money, not theirs, they are keeping.

    I've read again my Chime small print and agreement. Yes, I believe I deposited too much for my opening deposit. If that be the case, then I can accept that error, and do what I need to make it balance out. Just tell me, communicate how to fix it, and no problem whatsoever. It's when I'm being ignored that I start to feel that a fraud has been perpetrated. Perhaps their non-response will eventually result in my giving up and they keep the funds. Is that what's happening?

    I now see that they are set up to attract those that may have limited finances and banking options. They prey on that circumstance, and once they have access to your info and money, feel they have the upper-hand to dictate how and when you are able to access YOUR money. Opportunists, not a company that thinks of you, but preys on those that for whatever reason, are not in a financially strong position.

    I have no option but to think the worst at this point. I would give this advice to anyone contemplating becoming a member or account holder with Chime. They do not respond to telephone inquiries; all are deferred to email only. Customer service phone hours are restricted to essentially bankers hours. No 24/7 support, even if there's technical, fraud or lost card issues. Unless you have a direct deposit option, the ability to deposit into the accounts are very limited. Instead of being part of a personal and small bank that cares about you as they promise, you are a part of a larger Bancorp company. A customer without a voice or a face.

    Not the future in personal banking I had envisioned or they so deceptively have promised you. At this point, I'm just wishing myself luck here.

    Bottom Line: No, I would not recommend this to a friend

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  • 25 out 26 people found this review helpful

    Will deny disputes and accuse you of stealing your own money.

    We had someone skim our card information and use it fraudulently. We opened a dispute and sent in a copy of the police report I filed. Disputes take 10 business days.

    I called back to get a status update and found out the dispute had been denied because my husband supposedly made the transaction. We called the company the charge was made with and their fraud department told us that they did not tell Chime any such thing and even verified that the shipping address for the fraudulent order did not match our address or any address we would have used. I was forced to rebut the dispute but could only do it by emailing it in.

    I did get upset and yelled, but they hung up on me 3 times and my husband once. My rebuttal will take another 10 business days. When I asked to speak to a higher up supervisor, I was refused multiple times. I asked to speak with the "investigations" department, and that was refused as well. DO NOT use Chime Card or Bancorp!

    I found a law firm advertising specifically to sue Chime Card for the exact same thing we are going through. So not only do they not want to help you when you are ripped off, a law firm is actively looking for other Chime Card victims.

    Oh and even if you get a new card, watch out. We got a notification that someone tried to use the NEW card at around 3 am the day after we activated it. Make sure you keep your transactions turned off. I only gave one star because I can't give zero.

    Bottom Line: No, I would not recommend this to a friend

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  • 23 out 28 people found this review helpful

    Chime is the worst bank ever

    • Tennessee,
    • Sep 22, 2017
    • Verified Reviewer

    An ATM ate my card and I didn't receive my withdraw, so I call Chime and they said the would get me a new card in 3-5 business days. It is going on two weeks and I have no card and don't have access to my money. Every time I called them they told me a different story. I'm on the verge of being kicked out of my apartment, losing my car, I have no gas to get to work, and they do nothing to help me. They make my life difficult and they have the worst manager ever. Her name is Lauven Daniel (#2127) and she was very rude and hung up on me. I hope she gets fired.

    Bottom Line: No, I would not recommend this to a friend

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