Leave a Review Chime
Chime has robbed me more than once
I’ve loved and raved about my chime service. I thought it was great and worked perfectly for me and my lifestyle as I am a student. But, I had somebody hack into my card more than once, totally understandable, it happens with banks. The first time took over a year to resolve for $99… I wouldn’t fight for that amount of money if I didn’t need it. However, both times it has happened Chime has made it close to impossible to get my money back for charges that that I did not spend or authorize. Last time this happened it was for 3 charges at one time for over $1,000 at Walmart? If I was spending that kind of money myself why would I have 3 different charges increasing in value each time knowing I didn’t have that money? And when I reported it, Chime told me they didn’t see anything suspicious. Thank god my account balance didn’t have sufficient funds for all of the charges to go through or else I would literally be homeless. I work hard for my money and it’s absolutely ridiculous that a bank will let people get away with spending something I worked for leaving me unable to pay for my own bills. I’ve had banks ask me for less information and have given me my money back no questions asked.
Don’t leave a large amount of money in your chime account because god forbid somebody gets ahold of your information, your screwed if it’s up to Chime.Show lessHbreeze1
Spot me
I have done everything that I have read about the spot me. I have qualified for the $200 spot me 90 days ago and I still have not received my $200 spot me y’all have received over 15 direct deposits of 2000 to 3400 a month . I have used my checking account and I’ve read the small print on spot me. I have been qualified for the $200 spot mean again over 90 days ago. That is my only reason why I bank with y’all but I spoke with the lady today she was really nice and I explain to her that if y’all want to keep my business please raise my spot me before October 25 or you will lose my business. I have done everything y’all told me to do and I have earned it. And I enjoy having that security blanket my wife I got her hooked up with Chime. Because of me She had her spot with $200. 6 months later. I know I’m not gonna hurt your business, but that’s the only reason why I chose y’all because there was it any fees on your spot me besides the tip and I always tip but that’s the only reason why I am leaving but thank you so much I’ve enjoyed charm. Y’all have a really great app. I can send money to my kids my honey. I love all the savings with the change. It’s awesome. I will miss banking with y’all.Show lessjebc10
Inconsiderate and Unprofessional
My Checking account was closed without notice because I “Violated My Deposit Account Agreement” but I was unable to be given an exact reason other than that broad statement as to what exactly I did to be put in this circumstance which I ultimately accepted. The customer service level that I was given after the fact is what is a disgrace. I tried to reach out to the Bank via phone to figure out what happened to see if I could possibly fix the scenario and an automated message comes on to tell me to email the bank instead of talking to someone directly. I then emailed asking them for an explanation and I was given a generic response with no specifics for an account I’ve had for over 2 years. I then asked someone when will my payments for my employers be returned so I can anticipate when I will receive my funds to pay my bills & purchase my necessities and no one has responded to me after I asked the question twice. I understand their are policies in place but as a Human being who makes an honest living and provides for myself and others who depend on me and to have my account closed with no explanation and when I reach out to see when the payments are being sent back I get no response. Chime is constantly asking for referrals to grow their bank but when a moment arises to treat a human as a human they greatly fail.Show lessKamBryce98
Close accounts and steal money
Had chime for 4 years never did anything fraudulent and did not break any of the contract rules I had a checking savings and credit card!!! Woke up Monday morning and chime had completely closed my accounts with no pre notice or anything all three accounts where closed and I have to wait 14 business days before I can get my money mailed out to me in a Check!!😡 also chime stole all my money in my account I had $5,562 split between my checking savings and credit card! Come says that I only have $520 in my account! When I told them that is not true they told me to provide proof of balance knowing that they closed my account and restricted access so how can I prove it! Chime does not email or mail out bank statements every thing is done threw this app! CHIME IS NOT SAFE OR RELIABLE
When requesting a reason for the closure chime emailed me stating that for privacy reasons they can not provide a reason for account closure!!! I can not get any assistance or answers from chime over the phone or on line / email ! Be Careful CHIME also known as stride banks are criminals they steal money and unlawfully close accounts with no pre notification! I was not made aware of account closure or anything before my account was permanently closed! Do not use CHIME banking ever they are criminals! If anyone knows how I can go about getting the proper legal officials involved in this please leave a response.😭Show lessboycott CHIME
Deposit
I have had friends and family have this app and everything work smoothly with everything especially on first paycheck. When my fiancé gets it for his job I warned him about the pros and cons, personally I don’t like the app nor use it for my paychecks. Suddenly his deposits cant come through and he calls customer support. They are the most rude and stuck up people I have every heard and did not help, they tell him it’s his employers fault and it’s on their end. He has told them three times with his boss present that they have the numbers correct and it shows that it sent through, it’s on their side and they get more defensive by the minute. I am disappointed heavily and we tried to be civil about it and she just would not listen and kept saying that it was on his end. Until things look up I won’t change this review and it’s sad it happens over a rude support woman that doesn’t have the listening skill and comprehension skills to acknowledge it. I always been nervous about this app and I finally been given every reason to. I am sorry to leave a bad review even after all the good things I heard.
Also I have heard of people during die to their money getting taken and chime won’t due anything about it and honestly it was needed and if it comes down to it I would sue too if scammers got ahold of my card and kept taking money out of it and the keep declining my dispute.Show lessSavvy834
Disappointing
I am not typically one to come online and write a review but I felt I needed to share my experience with Chime. I’ve been a customer for almost 2 years and the reason I joined was I was going through a financial hardship and I enjoyed the idea that they trust their customers enough to offer spot me as an option if they needed funds in between paychecks. Most recently I received a reimbursement check from State Farm that I attempted to do a mobile deposit through it was denied stating that I didn’t fill out the back of the check per their requirements which I did. I resubmitted the check then they decided they wanted to hold the check for over a week. I have been a great customer I have not had any return checks I have not returned any checks that I deposited it was very frustrating because State Farm even gave me proof that chime cashed the check and they still would not release the funds so they basically are holding my check hostage for another four days. I completely understand having policies and safeguards in place for the company but when the customer is telling you that they have proof that you cashed their mobile deposit you should be releasing the funds. I decided at this point to go back to traditional banking where I can make deposits add an actual bank and I don’t have to deal with this nonsense.Show lessChime Frustration
Chime is amazing, just one real issue in my opinion
I never usually leave reviews but i feel like chime deserves one. Amazing bank, phenomenal the amount of control they give you to handle your finances unlike most conventional banks where it feels youre at their whim. Chime credit builder absolutely works, helped me build my credit over 100 points in a little less than a year. SpotMe is amazing, never had an issue with it.
That being said I have one complaint: the pending transaction system. To be fair to chime it isn’t a problem for just them, but I feel its at it’s worst with them. When it comes to certain refunds/deposits believe me it will take DAYS possibly a week or two before you see that money back in your account. And when you go to support, they just completely forget about you! I put in a ticket to help get the issue solved, and while my agent was great, i did not get the issue resolved, and my support ticket was NEVER followed up on. I wasn’t asking anything egregious, just wondering after days of waiting when my deposit will be put back on my card because I know it is chime themselves withholding. Nevertheless, i would still recommend chime, fantastic bank, so much better than conventional banking and I will continue being a chime user as long as they are around.Show lessneeds stability fixes
Life saver
I don’t write reviews but I want to thank Chime for no only being an amazing app & bank account but most importantly being there at a crucial time in my life. Long story short, I lost everything & literally had to rebuild my life life at the age 40. My credit went bad, I got scammed which destroyed my bank account & had nothing left but a few boxes of clothes & antiques. When I finally got my bearings back, started a new job, opening up a back account was not possible at the time & I had a job where they only did direct deposit. I was screwed or so I thought. A friend told about Chime & after checking it out & signing up I instantly had a back account & a few days later my card. If it wasn’t for chime being around I don’t know what my story would look like now. I have deposited checks through both the camera features & at designated banks. They recently just added a credit builder credit card to help rebuild my credit. I’ve been with them for over 2 years now & love everything about them. The app is extremely user friendly & the one time I had to call customer service they were kind & helpful. So without a doubt I recommend Chime for any banking needs & Thank You Chime for being there when I thought all was lost.Show lessKat-75
Great until these two problems occurred
Chime was good for the first 2 months I had it. However, there are two issues I had which will prevent me from ever using Chime again;
Made a withdrawal at an Allpoint atm. The transaction was denied according the the receipt but the money was still taken out of my account. It was $240 and that is a lot of money to me. Chime said they have to investigate it and I won’t get a provisional credit until 21 days after my claim. That’s even if I qualify for one. Completely unacceptable on Chime’s part and Allpoint. The only way to avoid this happening is to go to credible banks like Chase of Wells Fargo where this would never occur, but then you would pay $3.50 per withdrawal.
The other issue was that for no reason I was locked out of my account. I couldn’t login to my chime mobile app or anything. So I called chime support and asked what was going on and if I was hacked or anything. They couldn’t tell me why they locked my account or what reason. They had me send a photo of my face and ID and a paper with specific notes to their email I order to unlock it. I had never had fraud on the account prior to this either. No explanation was the last straw. What if I was driving and needed gas ? They shutdown my entire card and account. Couldn’t believe itShow lessRt2800
Absolutely The Worst Customer Service Ever!!
I’ve been banking with chime for over 4 years now and never had a reason to contact support. However, I woke up this morning to multiple unauthorized transactions totaling over $2,000 on my account. I contacted support and explained my situation to them and even included screenshots proving it wasn’t me. They stated that they would look into it and make sure my case will be resolved. Not even 5 minutes later, they denied my claims even with substantial evidence that I DID NOT PROCESS THOSE TRANSACTIONS. I called back and spoke to a guy named Juan, and after explaining the situation again, he stated that their might have been a mistake and they didn’t see the screenshots that were included and he reopened the case. I waited for 3 hours and called back, surprisingly it was Juan again who I was transferred to and he pretty much told me there’s nothing they can do about it even with the evidence that it wasn’t me. How is that even possible?!?! There was no real investigation done into my case and it got denied?!?! Will never be banking with Chime again!!! I really thought they were different from other banks and actually cared about their customers, but they’re just like every other bank. Money hungry, good for nothing, pieces of sh*t. I’m putting this review on here so people won’t have to go through what I did and to be cautious of who you bank with.Show lessZanishL
