Chime

I have been with this bank for 6 years. I'm getting the *** out of there as fast as I can. In the meantime, I will not keep one thin dime in my soon-to-be-closed account. On Feb 2, 2026, I received a text alert stating that I spent $100.00 at Walmart. I had not spent anything at Walmart, and I immediately locked my card and called Chime to file a dispute. By the time the phone call ended with Chime, I had two more fraudulent attempts to my account of $200.00 each. To my surprise, Chime denied my dispute. I called, and they opened it again and then denied it again. I did not make a $100.00 charge to Walmart, then lock my card and attempt to make two more charges, knowing they wouldn't go through because I locked my card. This is the second time this has happened with Chime. The first time it happened, Chime gave away every dollar I had before notifying me. This second time I had my alerts up and stopped it immediately and telephoned Chime (7:34 pm) within one minute and made two more calls to Chime after that at 7:37 and 7:40 and was assured I didn't have to worry; this would be taken care of. My dispute has been denied three times, going on four. I have a police report #26-0245 Taylorsville NC Police Dept. filed 2/6/2026 at 7:45 am.

Please read the attached document that I uploaded for my explanation. The documentation shows my immediate attempts to mitigate the fraud I experienced. Within a literal minute, I locked my account, which prevented my whole bank account balance from being stolen. Two more attempts were made when I was on the phone with Chime filing my first dispute. I did everything Chime says you should do when you're a victim of fraud. Chime let the thieves have my money. I am a senior with nothing to my name. This was my Social Security payment for the month.

This is the second time this happened with Chime. About six months ago, they gave away every dime I had before notifying me that the last transaction was declined for lack of funds! I can't understand what they can't see here. I am the victim here. Please help me or give me guidance on where and what to do next. I live on less than $1500.00, and rent is $850.00, along with a $430.00 car payment and $130.00 a month for car insurance. This is hurting me severely. I filed a police report with the Taylorsville NC Sheriff's Dept. report #26-0245 at Chime's advice, and they still denied my dispute three times. It doesn't make sense that I would make a charge, freeze my card, and try to make two more charges. I have filed complaints with the BBB and the Financial Consumer Protection Bureau.gov. The last thing I will do is lie down and take this theft without a huge battle. A consumer should be able to expect that their bank will protect them, not rob them. I'm beginning to think there is a scam here and Chime is complicit. Otherwise, why would Chime let me be robbed and *** it? This is how fraud exists in the first place, with banks like this. Chime is just as guilty as the thief that hacked my account. Praise God they were stopped after the first $100.00 by my efforts alone. Online banks don't care about their customers like community banks do.

I filed taxes in the middle of January so everything would be ready for tax day. When it opened after 3r 4 weeks of receiving the same message that my taxes were in the works, I finally called to check on them.

They had not been filed, and on the website through the Chime banking app, all I got was a message that I don't need to file this year. I could not proceed any further and could not file any taxes. After contacting their customer service seven times, I finally got a call back 7 days later. They said that they couldn't file my taxes because I had no taxable income.

Then they said they couldn't do it for several other reasons. When I finally got the truth out of them, they refused to delete my information, yet they won't file for me. So now I can't file with another company because this company has my information, and I can't get my refund because they say I don't need to file. Needing to and wanting to should be two different things, but according to this company, if you don't need to file, you can't.

If you want your information deleted or your tax form information deleted, they won't do it. Then they contacted me by email asking me what my email was... Huh? I filed early, and now I'm going to get no refund, and I can't file my taxes.

They completely screwed me over, and they could have been honest with me from day one, but they chose to give me all kinds of excuses.

They even told me to go back and change some of the answers, and then maybe they could file. In other words, they told me to cheat on my taxes!

Wow! I waited 2 months and had to reopen my claim.

Asked for the documentatio. They had to say it wasnt fraudulent. I never recieved the evidence against my claim. I sent them the info showing i was at work.

The claim was for a plane ticket to florida. Under a spanish ladys name. I also bought 50 dollars worh of pizza in california before i boarded the flight as an old spanish lady. Now i have never been on a plane.

Have never bought a plane ticket. I was working in colorado while i was sun baithing my old saggy *** in florida.and im not sure but it looks like they want to charge me afain for it.

Oh and i didnt for the assistance program so im just out 179 thanks chime. U get to middle fingers up and ill be deleting my account with you.

On March 6, 2026, I called Chime to file 88 disputes totaling $4,240.71 for transactions on the Sweet Sweeps gaming platform. I initially filed under goods or services not as described and recategorized the same day to incorrect amount charged because the merchant represented a 2% processing fee, but actual fees ranged from 5% to 12%.

It has been nearly a month, and Chime has not submitted a single chargeback to the Visa network.

On March 21, Chime asked me two questions: What amount should have been charged for every transaction? and Please upload the receipt. I provided a comprehensive chart showing the totals with the 2% fee the merchant claimed to charge versus the actual amounts charged, the actual fee percentages, and the calculated overages for each transaction. I also provided merchant email receipts which notably do not disclose any amount paid, any fee charged, or any transaction total. That same day, March 21, Chime's investigator contacted the merchant directly instead of filing chargebacks through the Visa network. The merchant did not respond.

On March 28, Chime asked a fundamentally different question: What is the reason the merchant should not have charged you for this transaction? I provided a detailed explanation with supporting evidence including proof that the merchant had no valid Terms of Use during my transaction period, proof that the merchant backdated its Terms after I raised the issue, and the merchant's own written statements. From March 21 through the present, the investigator has taken no further action since contacting the merchant. No chargebacks have been filed. It has been 10 days of inaction after the merchant failed to respond.

I have provided Chime with extensive documentation multiple times throughout this process. This includes a comprehensive chart showing what should have been charged at the represented 2% fee versus what was actually charged at 5-12% with calculated overages, merchant email receipts that disclose no amounts or fees, proof that the merchant's Terms of Use carried a future effective date of April 3, 2026 meaning no valid agreement existed during my transactions from February 19 through March 2, 2026, proof that the merchant backdated the Terms by one day after I raised the issue changing only the date, the merchant's written admission that its stated 2% fee was only a minimum, and the merchant's management recommending in writing that I file chargebacks stating Our recommendation would be to pursue chargebacks, as this process is typically straightforward and cost-effective for both parties. Management also stated Should your bank determine that the purchases were invalid, we will respect that decision and will not challenge it.

Despite having all of this documentation including the merchant's own written statement that it will not challenge the bank's determination, Chime has not filed the chargebacks through the Visa network and has instead allowed the disputes to sit idle after contacting the merchant directly and receiving no response. I am requesting that Chime immediately submit all 88 chargebacks to the Visa network, assign a new investigator given the current investigator's 10 days of inaction, and process these disputes through the proper chargeback system rather than attempting to resolve them by contacting a merchant that has already refused to issue a refund and stopped responding.

Ive been with chime for 6 yrs I havent had any issues the whole time until now I purchased a hat that was on sale for $24 an they took $527 out my chime an Im trying to dispute it I have all my documents chime is denied my clam I order my hat at 12 noon I called chime at 12:03pm they took my money an sent a email saying delivered to me at 12:05pm same day I havent spoken to the merchant they did is what Im told but dont know what they said I have all documents from the pic of item an price I have pic of how much they took an the email that was sent to me which was 3 of them to 3 different locations where I dont live

Chime closed my account with no information for me about what I did wrong. Their customer service sucks and they don't speak English and cannot help whatsoever.

They even sent me a 7 year Anniversary message on the day I was informed they are deleting my account. 7 years a loyal customer and they dump me in the trash and don't even have the courtesy of telling me what the *** I did wrong. They told me to look at the generic list of violations of the agreement so I can figure out what I did, but I had not committed any of the violations listed, and again, they refuse to tell me what I did wrong.

Now they are giving me 30 days to change my direct deposit info or else I will start losing my paychecks. Just really *** poor communication and customer service.

This is now my 2nd terrible experience.

I was scammed out of a couch. Yes my own stupidity.

I did everything I needed to legally except the payment. I contacted Chime to dispute the $25 transfer and to make them aware it was a fraudulent account. I was transferred several times each time I had to explain it all over again. When the fifth person i asked do you not transfer information?

Take notes. She said yes let me read them. She then transferred me to the dispute department again. I have to answer the same questions.

When I asked him why he could not read the notes he told me there were none. I said how did they just disappear? When I asked for a supervisor. He told me he could not do that.

They would give me the same information. I said ok I still want to speak to a supervisor. He told me no again. I said so your refusing to allow me to speak to a supervisor?

He said yes. I said let it be recorded that on December 14 2025 @ 10:47 pm you refused me to speak to a supervisor or help with my dispute. They are denying me the dispute.

Credit Karma is definitely looking better. The reviews are a lot better.

Someone six hours away charge my card $70 from CVS. I normally get a text message saying someone is charging me and I can decline it but this time I didnt receive that message Ill make a dispute.

And I waited for four months no email was received from anyone then I finally get an email yesterday saying that I gotta wait 90 days before dispute. Actually it starts working. I need my *** money yall playing too damn much cash app PayPal or Aldis apps work fast Chime is the slowest in the stupidest app Ive ever used in my *** life.

Im never referring this app to any of my friends family or even people that I dont know. Chime sucks *** dirty ***