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Chime

www.chime.com
What is your customer experience with 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.

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Media from reviews

Chime - Need a card
Chime - I sent a valid dispute of a fraudulent charge and they denied it saying no error...Chime - I sent a valid dispute of a fraudulent charge and they denied it saying... - Image 2Chime - I sent a valid dispute of a fraudulent charge and they denied it saying... - Image 3Chime - Dispute resolutionChime - DisappointedChime - Messages
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Is Chime Legit?

Trust Score is
100 / 100

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.

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Top Chime Reviews

Positive Review

"Activate card"

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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...

Critical Review

"I sent a valid dispute of a fraudulent charge and they denied it saying no error occurred"

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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...

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Featured
Tyesha P Ren

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

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Chime - Dispute
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Chime - Dispute - Image 2
Updated by user Mar 11, 2024

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

Original review Feb 25, 2024
I was declined for my dispute, and I dont know why there was no other further information explaining why I was declined. Yeah, investigation did not do a good job, and I need some type of document to explain why I was declined.I did not make the purchase becaus i was in the house at the time. Nobody has access to my card or bank but me.
View full review
Loss:
$635
Pros:
  • Spot me
Cons:
  • Dont care about the customers

Preferred solution: Full refund

3 comments
Slade Odh

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

eddie o Lxd
reply icon Replying to comment of Slade Odh

that's because you work for them

Guest
reply icon Replying to comment of Slade Odh

How much did Chime pay you to say that.

View more comments (2)
Eraina Ljf

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
| map-marker 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

View full review
Nicole S Cqe

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

I sent a valid dispute of a fraudulent charge and they denied it saying no error occurred

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Chime - I sent a valid dispute of a fraudulent charge and they denied it saying no error...
Chime - I sent a valid dispute of a fraudulent charge and they denied it saying... - Image 2
Chime - I sent a valid dispute of a fraudulent charge and they denied it saying... - Image 3

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!

View full review
Loss:
$576
Pros:
  • Have good overdraft and advance pay options
Cons:
  • 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

finis D

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 resolution

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Chime - Dispute 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.

View full review
Loss:
$588
Pros:
  • Great inline bank
Cons:
  • Dispute process is terrible

Preferred solution: Full refund

User's recommendation: Follow up in dispute decisions

Godfrey Gsj
map-marker Kansas City, Missouri

Need a card

Chime - 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

View full review

User's recommendation: To stay with chine the best

Martin D Znc

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

Messages

Chime - Messages

I need to talk to a representative please Im getting messages from youz guys that are not making sense please help me

View full review

Preferred solution: Need to talk to a representative please ty

Tashay Cee

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
| map-marker Temple, Texas

LYING ABOUT LIVE HUMAN CHAT AGENT BEING AVAILABLE

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Chime - LYING ABOUT LIVE HUMAN CHAT AGENT BEING AVAILABLE
Updated by user Apr 14, 2025

STILL NO RESPONSE TO MY REQUEST TO CHAT WITH A HUMAN AGENT OR FILE MY DISPUTES ONLINE

Original review Apr 14, 2025

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.

View full review
Loss:
$310
Cons:
  • Awful customer service

Preferred solution: Ability to chat with actual human agent or be able to file my disputes online for these unauthorized transactions.

Butch Mbx
map-marker Atlanta, Georgia

Disappointed

Chime - 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?

View full review
Resolved
Michael S Ypr

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

Resolved: Chime is bad at resolving customer issues and explaining financial matters. They don't deliver on promises for any of their feat and services

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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.

View full review
Loss:
$160
Cons:
  • Awful customer service and false promises

Preferred solution: Full refund

User's recommendation: I highly recommend getting a traditional bank account

1 comment
Guest

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?

Richerd Ltu

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
| map-marker Mcleansville, North Carolina

Money pending I did not authorize to be taken from my account

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Updated by user Jul 02, 2025

They were very curious and professional I’m very satisfied

Original review Jul 01, 2025

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 !

View full review
Stephen B Egw

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

I'm locked me out of my account but let someone else in!

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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.

View full review
Loss:
$1600
Cons:
  • Keep your money from you

User's recommendation: Don't do it! Chime is a scam

Jeff T Nlm

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

They 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

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Chime - They won't let me withdraw my my money still to this day 3 days later and they...
Chime - They won't let me withdraw my my money still to this day 3 days later... - Image 2
Chime - They won't let me withdraw my my money still to this day 3 days later... - Image 3
Chime - They won't let me withdraw my my money still to this day 3 days later... - Image 4
Chime - They won't let me withdraw my my money still to this day 3 days later... - Image 5

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!

View full review
Loss:
$500
Cons:
  • Suck

Preferred solution: To be able to withdraw my my so I can pay rent

User's recommendation: *** them

Resolved
Jerrold Pru

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
| map-marker Cameron, Wisconsin

Resolved: Why it's not showing my transactions on the phone

It's saying about no connection and my current amount Sarcastic on my credit builder card and spotme as yesterday

View full review
Christopher P Jjz

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

They closed my account and kept my money.. they will get sued

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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.

View full review
Loss:
$60

Preferred solution: Full refund

User's recommendation: Don't deal with this fake bank

Mandy S Jfz

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

They did not help me get money back from a fraudulent company.

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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

View full review
Loss:
$61
Pros:
  • Chime has no fees
Cons:
  • 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.

Breck Adw
map-marker Culpeper, Virginia

I’m happy

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I hardly have any money issues and i really hardly had a problem with. My account so keep up the good work

View full review
Terri S Csu

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
| map-marker 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

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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.

View full review

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