• Chime

Chime

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Overview

Chime has a rating of 1.28 stars from 182 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about Chime most frequently mention direct deposit, customer service, and debit card problems. Chime ranks 296th among Banking sites.

  • Service
    109
  • Value
    104
  • Quality
    107
Positive reviews (last 12 months): 4.7%
Positive
5
Neutral
4
Negative
97
93
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What reviewers want you to know

Positive highlights

No positive highlights yet

Critical highlights

  • This is the worst customer service I have ever experienced and an era when customer service is typically awful.
How would you rate Chime?
Top Positive Review

“Online Banking Made Easy”

Hippie Y.
12/13/23

I just love Chime for all my banking needs. No fees except out of network ATMs. Love you chime thanks for a better banking experience

Top Critical Review

“Used to be good”

Michele R.
2/15/24

When; I 1st got my chime 2 years ago it was good! But Now! They suck! I've for 6 months emailed called did EVERYTHING to get my # change! I couldn't even get into my account? Like what! Now I call about a refund for $100 from Kroger's 2 weeks ago even had a reference # from Kroger's & got put on hold to be transferred 4 times& to explain everything again! By this time,I'm pissed! No one speaks English anymore!

Reviews (182)

Rating

Timeframe

Other

Reviews that mention popular keywords

customer service (26)
Thumbnail of user micheler693
1 review
0 helpful votes
February 15th, 2024

When; I 1st got my chime 2 years ago it was good! But Now! They suck! I've for 6 months emailed called did EVERYTHING to get my # change! I couldn't even get into my account? Like what! Now I call about a refund for $100 from Kroger's 2 weeks ago even had a reference # from Kroger's & got put on hold to be transferred 4 times& to explain everything again! By this time,I'm pissed! No one speaks English anymore!

Thumbnail of user robinn359
1 review
0 helpful votes
January 28th, 2024

I have had and been using time for my direct deposit every month. My spot me has never changed from $20 even though the commercial says you can get up to $200. Like I say it's been over a year that I've been using this card and now that it's about time that my spot me goes up they deactivate my spot me saying that the deposit needs to be over $200 once a month and it is this card and bank is very disappointing and would not recommend to anybody!

Thumbnail of user robertd4577
2 reviews
0 helpful votes
March 5th, 2024

Wallet was stolen a month ago. Requested a new card, not once but twice. Never received one. Been unable to do POS purchases. I call them and get a dumbass in the Philippines. Nobody in America. $#*! em. I'm going elsewhere.

Service
Value
Quality
Thumbnail of user orangepuppey
1 review
0 helpful votes
April 10th, 2024

Chime has devastated me! They transferred my direct deposit out of my account immediately, instead of posting it to my checking. They did this even though I had no due amounts and did not give permission to move my pay. They refuse to credit it back and have not made it available and I have called them 40 times in the past 3 days

Thumbnail of user cindih63
1 review
0 helpful votes
October 25th, 2023

I processed a mobile deposit of 2647.24 and was told it would be available in 1-3 business days. After the deposit was accepted they informed me that it would be 7 days, which is not what agreed to. I even received an email stating 1-2 business days. Talk about buyer beware. Poor customer service and questionable practices of holding money. Please see email stating 1-2 business days and then the chats showing multiple transfers. They didn't know what they were doing

Products used:
Mobile deposit

Service
Value
Quality
Thumbnail of user raider401k
1 review
0 helpful votes
January 15th, 2024

It's all cheap exported service,lost 413 to em as a scammer left there number on there site,I called to have it stopped and returned and were like sucks for you,so I'm out that. They don't care about there customers since was sold to T-Mobile and use there cheap T-Mobile india based call centers,be switching immediately. Was ok before the sell

Service
Value
Quality
Thumbnail of user shellyboedefeld
1 review
0 helpful votes
January 12th, 2024

Don't use the credit card builder it is a fraud. I put money on my card then I'm told I'm 220$ negative how I asked no explanation. You can't over draft over a limit my was way over and didn't show on my account a scam. Time for me to find a new bank. 🤔😲😫💔

Service
Value
Quality
Thumbnail of user martinezreynaldo091
2 reviews
0 helpful votes
December 19th, 2023

I lost $327.00 using chime and I called their regular customer servicenumber it had to be one of their employees even though they stated adamantly that it could not be possible, I'm moving my direct deposit out and stay in the hell away from these fly by technology companies that offer financial services they are not Banks, don't make the mistake I did here it is Christmas and I'm screwed!

Products used:
Banking service online

Thumbnail of user charlieleewilsonsr61
1 review
1 helpful vote
January 14th, 2024
• Updated review

Since January 1st I've been in contact with time everyday concerning my account and the dispute team and The resolution teams it's me that bunch of clowns because they never get nothing resolved and they're always denying something every dispute I've ever filed with him they denied except for one the disputes I have pending with them right now stride back had to tell him that something's wrong with my account because they didn't investigation into my account and I'm going to keep on refiling each dispute they deny as I told them they're going to give me all my money back

Do not trust Chime
January 8th, 2024
• Previous review

Chime I don't really know where to begin it with them because they're dispute team and their other teams that are behind the closed doors are garbage you can have all the proof in the world when you follow dispute with them and they still are going to deny it I've had an open battle with these people and actually I'm probably going to end up soon to get my just to get my money back because they stressed me out I had them denied at dispute at the very same day that I filled it

Thumbnail of user hippieyou5630
3 reviews
2 helpful votes
December 13th, 2023

I just love Chime for all my banking needs. No fees except out of network ATMs. Love you chime thanks for a better banking experience

Products used:
All offered services. Credit card debit card and savings account

Service
Value
Quality
Thumbnail of user sesgckc
1 review
0 helpful votes
March 5th, 2024

-Negative stars for this!
I go to use my debit card as a debit card at a local retailer that I have used with my card before! I keep getting declined decline, oops wrong card. Use correct card...declined decline decline, decline, and I'm putting things back to pay under my balance, decline...wtf call Your card was blocked by international use, nope I've used here not international, ok we fixed, you can "try" it again! Nope I've embarrassed myself enough for the evening, you cost me my medicine and I will just pay cash from now on. You have not only upset me and the retail store, it's humiliating to have a situation seem like you're losing your mind? You should be ashamed for making changes without notification. If you can shut my card off you can send me a message or call me before, considering the lack of technology you're using to shut it off!

Thumbnail of user ruanecheri
1 review
0 helpful votes
February 16th, 2024

Whatever you do DO NOT USE this company they are criminals they realrase your information to their own employees take your money and there is NOTHING you can do

Thumbnail of user johnschauer87
1 review
0 helpful votes
March 4th, 2024

Liars and scum, zero customer service or appreciation. Boycott chime at all costs, they prey on the middle class. DO NOT TRUST

Thumbnail of user brandyj138
1 review
0 helpful votes
February 15th, 2024

I just wish That someone will help me understand why after two years I cannot get an account with chime. You guys have totally turned me down time and time again 4 times in the past 2 years. And I think you guys are judgmental and you suck big time. I hear great things about you. However, I cannot get a card from you guys so with that being said to those that have one good for you, and to those of us that are suffering and need a chime account but can't get 1. I feel for us because chime should at least give someone a chance to prove yourself. Worthy or not. But you have yet to do that with me. And for that I despise you.

Tip for consumers:
Nope

Products used:
None couldn't get any

Thumbnail of user davinav3
1 review
0 helpful votes
April 3rd, 2024

This isn't a bank. Nothing they promise or advertise actually happens. This is just as bad if not worse than NetSpend.

Tip for consumers:
I have lost a lot of money

Products used:
Checking

Service
Value
Quality
Thumbnail of user slb7949
1 review
0 helpful votes
August 19th, 2023

Is a good bank but the new app lay out sucks it was easier the way it was now u have to go under 3 different sections to do one thing when before it was not like that u just go to one spot and it was there

Service
Value
Quality
Thumbnail of user bernadettem274
1 review
0 helpful votes
February 16th, 2024

Did a dispute on transaction and I was was denied. So I lost my social security money $500.00 chime and cardtronics not taking responsibility ATM was broken didn't get my money it was debit from my account. And those people not reverseing my money
$500.00 social security money

Service
Value
Quality
Thumbnail of user emilyc1372
1 review
0 helpful votes
January 26th, 2024

They have no problem taking a $207 withdrawal for my settlement paycheck after 3 months of me not working. It went from saying my account was -207 to I was at 0 no negative balance. So I thought it got taken care of! Then all of a sudden I get a direct deposit last night and I wake up to chime taking the 207 off my card! Called to get a refund and like always they never can make anything right! I will NEVER bank with this company ever again! And I am never going to recommend this company to anyone every again! False advertising like always ummm like a $200 overdraft have been with chime for over 4 years now even with my direct deposits it's still $20! I'm done if they could have made it right cool! But they do this shady business all the time and I am not dealing with it anymore!

Thumbnail of user lois.mays1214
1 review
1 helpful vote
December 13th, 2023

As a business Chime should be pro- active in protecting their online presence by assigning a dept to monitor the scam ads and taking steps.

Tip for consumers:
Consumer beware, do your due diligence in researching the history of this company

Thumbnail of user sherilynnmerriam
1 review
0 helpful votes
November 12th, 2023

Do not do business with this company! They let a scammer change my name to somebody else, and then they would not send me my money, but they sent it to the scammer! They are so ridiculous. Why would they do that? I'm glad my other bank account was not connected to this one. And my name is not Arriel Stewart! And yes I took the survey! They are so dumb!

Tip for consumers:
Would never use this company!

Products used:
Banking card

Service
Value
Quality
Thumbnail of user tracyw979
1 review
0 helpful votes
October 24th, 2023

I have been a customer with Chime for over 7 years. Recently I had to deposit a payroll check using the mobile deposit option. They placed a 7 day hold on my check causing me to accrue several late fees on bills that I had to pay. There were previous direct deposits from the same company. I called everyday and could not get the funds released or the deposit cancelled. Absolutely ridiculous to hold a persons money for 7 days with no warning. If I would have known, I would have never deposited the check. Stay away!

Products used:
Online banking

Service
Value
Quality
Thumbnail of user helens.mac63
1 review
0 helpful votes
February 29th, 2024

I am getting frustrated because I am not able to use the card and can't contact anyone anywhere to help me

Thumbnail of user wyattd42
1 review
0 helpful votes
September 17th, 2023

The team at the website name on my title has a strong legal background, enabling them to understand the complex legal aspects of my case. Their expertise proved invaluable as they fought for justice on my behalf. Terrible company that steals from people, the website name on my head helped me find everything. Stay away from Coinbase. Search them on google if you need their services. In getting your scam investment back

Service
Value
Quality
Thumbnail of user johnnyb542
1 review
3 helpful votes
June 7th, 2023

More than 2 months ago I put a dispute in for $50. One transaction of 40 and the other of 10 from same person. After waiting 90 days they only approve the $40 and not the $10. I do not care if it's $10 it should've been returned with the 40. And now I can't get it credited on my account and they want me wait another 90 days. Only do common transactions on chime. They will not refund your full amount and they will make you wait extra long for something simple. And I've been with them over 4 years

Tip for consumers:
No this is a honest review on a scam occurring. And a bank not being able to get back the entire amount owed. Terrible

Service
Value
Quality
Thumbnail of user tarae136
1 review
0 helpful votes
February 22nd, 2023

Religiously every two weeks I get paid 2 days early having time and anytime I've ever had a problem they are on point with resolving it quickly

Service
Value
Quality

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