Chime
Chime Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Chime has 2.1 star rating based on 1448 customer reviews. Consumers are mostly dissatisfied.
28% of users would likely recommend Chime to a friend or colleague.
- Rating Distribution
Pros: Get paid early, Easy to use, No pros.
Cons: Customer service, Cant access my account, Poor customer service.
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Chime has 2.1 star rating based on 1448 customer reviews. Consumers are mostly dissatisfied.
28% of users would likely recommend Chime to a friend or colleague.
- Rating Distribution
Pros: Get paid early, Easy to use, No pros.
Cons: Customer service, Cant access my account, Poor customer service.41% of users think that Chime should improve its Customer Service.
58% of users say that they won't use Chime in the future for similar services or products.Recent recommendations regarding this business are as follows: "To stay with chine the best", "They will not investigate fraud to the best of their ability even if it’s right in front of them", "No comment you will not talk to anybody for sure", "Do not get chime reasoning when fraud occurs they won't replace money", "Don't deal with this fake bank".
Most users ask Chime for the refund as a solution to their issues.
Consumers are not pleased with Customer service and Reliability. The price level of this organization is high according to consumer reviews.
Media from reviews
Is Chime Legit?
Our analysis shows that Chime is legit, safe for consumers to access and is not a scam. www.chime.com follows necessary security procedures to protect its users. However, since some issues have been reported, it’s always a good idea to do your own checking of Chime reviews to learn more about other consumers' experiences.
Top Chime Reviews
"Activate card"
I tried everything I could to activate my replacement card. Then I hopped on this site and everything worked out for me. Thank you very much! User's...
"I sent a valid dispute of a fraudulent charge and they denied it saying no error occurred"
I was recently hacked by a merchant named Hellcase. I called my bank and opened a dispute. It stated in the how-to that speaking to the merchant directly may...
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer
Dispute
The status of my situation with Tom is still not resolved. They still have not refund me my money.
They said the case was close. I don’t think it should be close because I didn’t get a refund
- Spot me
- Dont care about the customers
Preferred solution: Full refund
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Riverview, Florida
I need to activate the card
Hi Im so sorry to bother u at this time just need my card activated because Im saving to help pay my mom mortgage bill and if not due by aug 20th how am I supposed save money if my card is not activated
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerI sent a valid dispute of a fraudulent charge and they denied it saying no error occurred
I was recently hacked by a merchant named Hellcase. I called my bank and opened a dispute.
It stated in the how-to that speaking to the merchant directly may help. I did this. I even got an email from them to give my bank for them to resolve and refund my money. They denied it twice.
I literally told both parties to speak directly (compliance@***.com) so one could speak with the other and had an email from the merchant saying they banned the user that stole my credit card information as proof of fraud to chime, and they keep saying no error occurred. Why? I re-opened the dispute again. I added numerous claims from other victims of the same merchant being used as a platform to commit crime on stolen credit card information.
I added the emails back and forth from Hellcase. Denied again. It makes no sense! Now, they sent me notice they are closing my bank at the end of the month.
Like I did something wrong as a victim. I have a social/speech mental ailment, and when I contact customer support, they are so heavily scripted to say what's on the screen they don't listen to my reasoning!
- Have good overdraft and advance pay options
- Your money is not protected from fraud
Preferred solution: Full refund
User's recommendation: They will not investigate fraud to the best of their ability even if it’s right in front of them
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerDispute resolution
I filed a dispute. It was denied.
I asked for evidence; they provided no evidence, only information they gathered from me when I filed the dispute. They won't allow me to speak to the dispute team, and they won't reopen without more evidence. I've provided everything I have; this is unacceptable.
I've banked with them for years. Attached is a screenshot of the evidence they used (all intake information) to determine their decision.
- Great inline bank
- Dispute process is terrible
Preferred solution: Full refund
User's recommendation: Follow up in dispute decisions
Kansas City, Missouri
Need a card
I need a card r my money to get on the card.so my money will be safe ,with a reliable company . My money needs to be put on a card,before the end of the month .i really want to get a card r all my transactions.I would like to take u r everything .can I get a card thank u in advance.Jimmy Lyons
User's recommendation: To stay with chine the best
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerMessages
I need to talk to a representative please Im getting messages from youz guys that are not making sense please help me
Preferred solution: Need to talk to a representative please ty
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Temple, Texas
LYING ABOUT LIVE HUMAN CHAT AGENT BEING AVAILABLE
STILL NO RESPONSE TO MY REQUEST TO CHAT WITH A HUMAN AGENT OR FILE MY DISPUTES ONLINE
So basically, I have been trying to contact Chime for over a week on the app through the chat. Chime says that a live human chat agent is available 24 hours a day.
This is absolutely not true. I am nonverbal due to a disability, so I'm unable to call via phone.
I need to file a dispute because there are many unauthorized charges on my account, and I can't call to file these disputes. I need to be able to file my disputes online.
- Awful customer service
Preferred solution: Ability to chat with actual human agent or be able to file my disputes online for these unauthorized transactions.
Atlanta, Georgia
Disappointed
Looking for my direct deposit. Ive called several times and wanting to speak to a live personal n and there is no option. Why is this?
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerResolved: Chime is bad at resolving customer issues and explaining financial matters. They don't deliver on promises for any of their feat and services
Chime promised me a $500 MyPay advance, which I have to pay back. After paying back your balance, they lower it to $300 a week before another direct deposit hits.
They also do not pay 2 days early; it might be a day early depending on their system. Every promise that Chime has made has been false. Chime reps cannot help answer any questions relating to activities on your account because all the Chime services are automatic and run by a system.
They can't help answer questions, expedite transactions, or tell you where your funds are. This is highly unacceptable for a company that is in full control of your funds.
- Awful customer service and false promises
Preferred solution: Full refund
User's recommendation: I highly recommend getting a traditional bank account
It sounds like your employer doesn’t send your pay to Chime early enough in the week to hit two days early. (they are not required to) If your normal payday is Friday, to get your pay Wednesday, your employer has to send the deposit over Tuesday before 5pm EST.
Chime also has policies about pay advances. There is a reset of one to two paycheck deposits before your limit returns back to what it was.
(dependent on you also not having any overdrafts or NO missed pay deposit). And why are you claiming a $160 loss?
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Mcleansville, North Carolina
Money pending I did not authorize to be taken from my account
They were very curious and professional I’m very satisfied
A company called uphold took over $2000 from my chime account which I never gave them permission to do and is now pending and that is my bill money if I dont pay my rent I will be evicted on the 3 rd again I did not give this company or sign up for them to take money out of my account so I am wondering how this could happen and how to get my money back now ? So I may pay my bills !
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerI'm locked me out of my account but let someone else in!
I have talked to customer service and ask to speak to a supervisor and was denied. I am so irate and tired and fed up with Chime over what they are doing to me.
I have about $1500-$1600 in my account. I know my password. I know all my info. I have scanned my license and done a selfie but I still can't get into my account.
The last idiot I talked to just kept saying they need a hard copy of my license. Well how the *** can I do that??? Mail my card to you?!! I had to go get a new ID yesterday because my old one expires and Chime wouldn't accept it.
So I got one yesterday and Chime says it's no good. How the *** did Chime let someone change all of my info my email my phone number address all in one *** day and I the actual owner of the account and the money can't get in to it. I would say send a check and close my account only the money would go to the *** hacker that changed my address. I am tired and I need my money.
I'm writing from the original email that my account was set up in. I never changed it.
- Keep your money from you
User's recommendation: Don't do it! Chime is a scam
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerThey won't let me withdraw my my money still to this day 3 days later and they have giving me the runarounds CircleJerk not for 3 days pure disrespect
Not a *** thing! They won't pay me my money!
They have led me on and played verification games with me now for three days. Now!
- Suck
Preferred solution: To be able to withdraw my my so I can pay rent
User's recommendation: *** them
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Cameron, Wisconsin
Resolved: Why it's not showing my transactions on the phone
It's saying about no connection and my current amount 
on my credit builder card and spotme as yesterday
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerThey closed my account and kept my money.. they will get sued
They closed my account and kept my money. I spoke with representatives, and all they can say is that they're sorry and couldn't give me any more information. They ended the call.
Preferred solution: Full refund
User's recommendation: Don't deal with this fake bank
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerThey did not help me get money back from a fraudulent company.
Dear Chime,
My experience with Vibegal and Chime has changed the way that I shop. I will not buy anything on the internet that does not come from Amazon, Walmart, eBay, or Etsy. I do not even click on the ads on social media. It was a $60.58 lesson that I will never forget! Thank you for cementing my mistrust of any startup company or great clearance deal. I appreciate your lack of help! I learned to never, ever try to save money or find a great new product.
Sincerely,
Mandy Bucher
- Chime has no fees
- Do not help customers that fall victim to scams
User's recommendation: Do not use a chime card to save money or support startup business or get great new products before they are on major store shelves.
Culpeper, Virginia
I’m happy
I hardly have any money issues and i really hardly had a problem with. My account so keep up the good work
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Philadelphia, Pennsylvania
The advertise they give you 200 spot me and 500 advance they're liars now I'm up to giving them $1,700 in direct deposit in one week then the following week $800 in direct deposit then the following w
I just said pretty much I think the advertisement they gave you $200 and spot me $500 in advance and they lie I have a lot of direct deposit going in there a few thousand a month and they still don't even give me they only give me $40 spot me and not even $200 in advance so they're just liars don't fall for it. Then they act like they give it to you right away no you got to get a whole bunch of direct deposits before they'll give you an even $1 they're just liars like everybody else in this world don't bother.
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I think CHIME is the BEST. I've never ever had a complaint about CHIME OR THEIR CUSTOMER SERVICE REPRESENTATIVE'S.
They are all very Professional, knowledgeable, compassionate, kind, and have empathy with and about the Customer. They have always went ABOVE AND BEYOND TO PLEASE ME. I would never ever go to another banking. I'm so HAPPY WITH CHIME.
THANK YOU FOR ALL YOU DO FOR ME.
YOU CHIME ARE THE BEST...IM VERY SATISFIED BEYOND SATISFIED WITH YOU CHIME. KELLEY SCHNEIDER
that's because you work for them
How much did Chime pay you to say that.