Chime – Mobile Banking Negative Reviews

Chime – Mobile Banking App Complaints & User Negative Comments 2023

Chime – Mobile Banking app received 26 complaints, negative comments and reviews by users. Have you ever had a bad experience using Chime – Mobile Banking? Can you share your negative thoughts about chime – mobile banking?

Chime – Mobile Banking for Negative User Reviews

✓ LiarsThey do not follow their terms & conditions, they do absolutely whatever they want and get away with it because you’re just one customer and they’re a big bank. Spotme terms & conditions clearly state that you need *MONTHLY* direct deposits of over $500 in order to qualify. I check my statements monthly, and my deposits are always well over $500. My most recent check on Jan 12 was less than $500- i was expecting that since it was from Christmas/New Years and my job is always slow around then. Well because of that, my spotme was turned off and now the app is harassing me to “set up direct deposit”. It would’ve been nice if they waited until the end of the month, when my monthly deposit would’ve been well over $500 again. Don’t ever bother reaching out to support, both people I talked to sent me the exact same email, word for word, that had nothing to do with what I asked. When I replied saying that’s not what I asked, I received the same email AGAIN. They’re very unprofessional, if you have a lower check than usual they’ll assume you’re not depositing your entire check and turn off spotme, and if you don’t tip them (never heard of having to tip a bank??) they won’t care about what you have to say or any problems you experience with them. When I asked if I had tipped for using spotme, would this happen and their response was “probably not”. So now I’m signing up for a new bank and my balance will sit at -$45..LliicciiaaVersion: 5.28.1

✓ Chime has robbed me more than onceI’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..Hbreeze1Version: 5.143.0

✓ Chime reviewI’ve had chime for over a year and loved it. However here lately on “pay day” I have sat all day waiting my check to deposit. Sometimes it comes as early as 11am. Others as late at 5pm. Unfortunately today my chime is unable to track my deposit and it’s not listed under “on its way”. Once I have gotten it at as late as 12am which means only 1 day early and that is fine but what is inconvenient is how inaccurate the time slots are and have been for arrival of and now not being able to track my deposit throws me back. A lot of other banks do not associate with online banks. Meaning if someone tried to send money from a credit union to your account for chime. It won’t work. You can not go directly deposit a personal check yourself. You have to go to a gas station and jump through hoops. Chime doesn’t offer loans or grants like real banks. I suggest this for teens who are just starting out however as you age and get a career you shouldn’t use chime do to all the faults snd it being unreliable. Credit builder is nice but you only build credit. There is no interest with a savings,banking, or credit account as real banks offer. The spot me feature is also nice. However it tends to come and go and only allow access when it wants. Planning to switch banks again bc they also do not file disputes as I have had to do over ATM transactions. I still haven’t gotten my money back from this and it happened in April of 2021.KshudbdVersion: 5.102.0

✓ Scammers ParadiseThe world we live in the today they’re scammers everywhere…literally!! And you would think a bank would help you if you ever came across a situation where you were scammed or your card was stolen right ? I been with chime 4 years probably more and I was a victim of having my card being stolen twice. The first time I really don’t know how scammers accessed my card but they didn’t use my physical card because I had it on me when the transactions were coming thru and then I go to the dispute the transaction I get declined!!!! I was heated but I say heck you know what whoever did it may needed the money more than I did so I’ll get over it but however the second time my wallet was stolen and my card used miles away from me and I caught the transactions within the 24 hours I was told to wait until they stop pending then call back even tho it put me in the negatives and the transactions were fresh when I called I waited to call again when they settled which was 3 days later just to get declined again and they said they found no errors….No errors? You don’t see an error when you see someone’s card being used across state lines miles away ? All I’m going to say is if you like getting paid 2 days early and having free fee overdraft yea chime may be the bank the for you but it’s always a catch, just don’t be a victim during the 1st of the month when rent is due and your card is being used in another state or you might be homeless!!!!.J.QuamaineVersion: 5.124.0

✓ Beware of Chime. They steal your moneyI’ve had Chime for over 4 years. I’ll be totally honest with you, I’ve loved them until recently. Chime will steal your money eventually. I had a dispute with a $600 purchase made on my Chime account. Chime denied my dispute without even investigating the situation and then refused to re-open the investigation. On that same denial with that merchant, the merchant gave me a full refund. Which shows how Chime made zero effort in the investigation. Then Chime kept my refund. I’ve been fighting Chime for over a year on my $600 refund. They refuse to give me my money. Denying any and all attempts at a dispute. How does a back keep my refund issued to me by the merchant? I have no idea how they get away with it but their is absolutely nothing you can do about it. Do your research on Chime. A simple Google search will prove that Chime will steal your money. They have mountains of legal action against them from their consumers. The law firms are so backed up with Chime clients that they can’t take any more victims. Be very careful on deciding to do business with Chime. They will steal your money and it won’t be a small amount. They won’t protect you from theft, fraud charges, or any type of dispute. They will hold your dispute for 3 month just to give you a denial and won’t even investigate the situation. Don’t put yourself in a situation with Chime. You will loose..Wtf35Version: 5.103.0

✓ Refer a Friend Program Needs ReviewMy friend has been bragging about this app for months, about how great the spot me is, how she was able to get her credit score up, all sorts of wonderful things. I was a bit surprised when after creating my account I realized I didn’t use her invite link. I contacted support just minutes after account creation, and although she was wonderful, she was unable to fix the refer a friend and even if I cancelled out the newly created account and made a new one, it’s all tied to your personal info and there was no way to get her the bonus. I get that may be a lousy reason not to trust a company, but missing the first opportunity Chime had to rectify a simple clerical error only minutes after opening an account is pretty telling of what I have to look forward in the future if I chose to continue business with them. I was only an account holder for approximately 20 minutes before I asked to cancel the account, customer support needs to be empowered to help customers with this or allow new accounts a grace period before their first qualifying direct deposit. Won’t be returning, and I hope this warns the next would be customer about the level of customer service available at Chime. Also, the account closure email is a little aggressive seeing as I am the one who asked to close it: Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time..K3Y80RD5M45HVersion: 5.150.0

✓ Do not use chime especially if you’re gonna deposit a check.I got my tax return check and tried to deposit it through the Chime App. They ask you to write to deposit to time only on the back of the check. I did so and then took pictures of it front and back clear as day and they rejected my check not once but twice. After calling in speaking with a representative twice they were unable to tell me why my check was rejected. I then called back on Monday and asked to speak with a supervisor who told me that they did not have the access to tell me why my check was rejected that I needed to email the chime support. After emailing the Chime support I was told that they could not tell me why my check was rejected. So now I’m stuck with a check that says to deposit of chime only on it and cannot deposit it with chime or anywhere else. They have ruined my check and failed to give a single reason of why. This banking app clearly does not care about their customers or their money. I will be sure to empty my account with them and delete it. Never will I use chime or suggest anyone to use them ever again. I even asked them where to file a complaint and they will not get back to me, so I leave this review instead in hopes other people won’t take a chance with their own checks and have the same issue as me..Michaela S GrossVersion: 5.123.0

✓ Don’t Use Chime!Chime is a meta bank so it isn’t accepted by 90% of financial institutions which will create a huge inconvenience for most. Also they are not even based in the US so you will be talking to someone in another country with English as a secondary language equally infuriating. Currently it’s been 2 weeks & I still haven’t received a replacement debit card after chime TOOK IT UPON THEMSELVES to report my card as stolen & cancel it the week I had a deposit coming when I had simply said “please block this merchant” which they’d done before without interfering with my card now it’s going on 3 weeks I haven’t been able to access my own money due to their sheer stupidity & lack of listening skills. Them being a meta bank I had thousands of dollars worth of unemployment money I desperately need & waited months for already returned because unemployment refuses to deal with them so now I’ve had to wait an additional month for that $ that I still haven’t gotten in addition to to the debit card debacle & often customer service will lie & said they did something to get you off the phone for you to later discover it wasn’t even done!!! This is how they treat a 2 year customer NEVER AGAIN! I will be cutting these cards & deleting the app, save yourself a tremendous amount of trouble & get a real bank account with a bank you can walk into.AfriendofthebrothersnsistersVersion: 5.152.0

✓ REAL REVIEW WORTH READING!!!Do NOT OPEN AN ACCOUNT WITH CHIME!!!! Go to local bank that have real walk-ins and actual have real people you can speak with face to face. I requested information on a transaction that was made and they decided to rather give me more information about the transaction they deactivated my card. I never gave them the agreement to close my card. I found out the hard way while i was shopping and trying to purchase my itmes and my card was declining. I called customer service multiple times to tell them that it was an error from their side. I requested a temporary card and THEY DO NOT GIVE YOU TEMPORARY CARD AT ALLL!!! You are stuck waiting two weeks for a new card to come! You can not even take out your money and they lie to you by telling you can transfer your money to another bank for “easy access” but once i link another bank and try to move my money, my money disappeared!!!! They lost my money and its not in my chime account and its not in my other bank account. Talking to customer service is the worst, they will just transfer you to another department and ask you the same three questions because they themselves dont know what they are doing. Worst bank ever! They dont help you when you need help! They dont value you as a customer! I SUGGEST you open an account with a local bank that gives you Temporary cards while your card is being shipped out..Karima👏🏽Version: 5.43.5

✓ Great until these two problems occurredChime 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 it.Rt2800Version: 5.126.0

✓ No update notes/ annoyingNow complete with outside advertisements on the front page of the app. It gets worse and worse. To everyone getting their money stolen by Chime I highly advise filing FDIC complaints which you can do online. Update notes aren’t a place for your bad jokes. The application is mediocre and the developers act like kids. Kids who get to secure access to your accounts. The only reason this app is so highly rated is dumb people rating the service and not the application. So let’s do that. It’s not a real bank account and many services won’t recognize it or it’s “debit card”. My card hasn’t worked right in chip readers 90% of the time and I’ve replaced it multiple times. Credit builder won’t let you choose any number to move money over. It will only choose large numbers based on a high percentage of your balance. An adult bank should let me make adult choices. A quarter of the app is dedicated to advertisements that are misleadingly presented as tailored offers for you, but rest assured they’re just ads. If you have to use their slow and confused customer service then expect to bombarded with multiple unsolicited emails acting as if it’s your duty to rate the service you received and including ramping verbiage about how you still haven’t fulfilled your responsibility. Sadly they are somehow still better than the major banks and I’ve been too lazy to find a better service so far..Lordenki40Version: 5.151.0

✓ I used to love ChimeI’ve been with Chime for years now. It was the second bank I’ve ever used. It was awesome in the beginning, I enjoyed the perks like no atm fees and the well designed app. But lately it has gone downhill fast. Starting when they disabled spot me without any notice and at this time I’ve lost my job due to COVID-19. So lately to make ends meet I’ve been making my money through Doordash and instacart and if you do either you know it can be very little amounts you make during certain times of the week. So I had my money transferred into my Chime account, witch was in the negative as it has been a lot lately for me. Well the amount I made witch was only $43 wasn’t even enough to cover my negative balance, witch wasn’t an issue because I had spot me. Well since I never got a notification that they had disabled spot me that $43 I had for the next day or two was gone and I went without the things I needed. I contacted Chime and explained my situation for them to only tell me that there was nothing they could do. After about 30 minutes of arguing, I finally gave up because I was getting no where. So I felt useless to my family and they were perfect okay with that. Now we’re here today, where I need to get the things I need and I cannot access my money yet once again. I’m just going to cut my loss and go back to the bank I first started with. It’s just a shame that they treat they’re loyal customers like this..B.groves99Version: 5.55.0

✓ The worst banking app ever!I turned 18 recently and in an effort to become an adult I decided to go with Chime to help build my credit. The sign up process was incredibly easy and seemed legit, I ended up getting a card and getting access to my account. After a couple of days, I went to the app to transfer money and found that I was not able to log in because my account no longer existed. At first I thought I just dreamed signing up for the app, but that’s ridiculous because I had the card. I ended up calling support and the lady I talked to informed me that my account was suspended. I had no money in the account and I only had it for a couple of days, in order to lift the suspension I had to send my ID and proof of insurance which would be all fine and dandy if I hadn’t already put my ID in the app and felt like it was a little sketchy. She said that my account violated a term of their bank but I hadn’t violated any terms and I wasn’t even able to close the account because she wasn’t able to do that for whatever reason. Absolutely upset that now some company that had been recommended to be had screwed me over and took my information, thank god none of my money, but after looking it up I found a lot of people have had this problem. 100% do not recommend and if you do have it, look into Chime closing accounts for no reason and close your account. Put your money somewhere else..Sydney RazoVersion: 5.103.0

✓ Chime is a joke.I’ve had chime for almost three years now. In that time, yes I’ve been paid early my fair share of times, however, those have been overshadowed by several more days where chime has inexplicably held my money from me without an explanation other than “it must be your payroll” to which I did my fair amount of investigation and asking enough questions of my payroll office at me job. To which I learned the day all payroll for every employee and manager goes through. A company with over 1k workers employed. If payroll has been processed on the same day and I’ve been paid literally two days later, how is it now that payroll is the issue when payroll has processed checks on the same day? The issue is chime and their lies, I’ve never had an issue with chime but I don’t appreciate being lied to about early pay when all they had to do was be honest about whether or not they can always give someone their money early. To make matters worse they refused to deposit my mobile check, stating they weren’t able to interpret the information even though it was written in plain English, then made me deposit check elsewhere, causing my spot me to reset completely. They say they’re flexible they say they’ll work with you, but when it really counts, they’re just out for your money. They don’t care about you or your family. They’ll take every dime if it makes them earn even one more. I’m done with this bank. Stop the lies please, it’s so old..Monelxc330Version: 5.89.0

✓ Stupid policies & customer supportI’ve had chime for over 2 years and loved it tremendously, from the no overdraft fees to early pay day … up until this week. I was supposed to get my direct deposit on Tuesday as I always do so I went to check my account and got a notification that my account was locked for “security reasons” no explanation via email or anything. So I email the review team which responded right away & they say I need 2 forms of identification & a piece of mail .. not just any mail .. a bill of some sort , insurance, credit card .. within the past 60 days. Well I just recently moved & have no mail at all but I didn’t provide mail that just wasn’t dated within 60 days. Well they kept emailing me back asking for the mail document after I explained why I couldn’t provide more recent mail. They closed my review on the day I was supposed to receive my direct deposit causing it to bounce and get sent back to pay roll. So at this point I’m beyond frustrated because I have bills and a child to take care of. After rambling through my email I find a pdf of my BGE bill. I finally send all the documentation they ask for and they have yet to respond back to me with an update 2 DAYS later. It’s frustrating and inconvenient because why hasn’t anyone reached out just as fast as my first time emailing? Once I get in and retrieve my funds I’ll be canceling my chime and getting my direct deposited elsewhere !!! Don’t use chime for direct deposit..DanaecpVersion: 5.123.0

✓ Takes days to pay anything.I tried out Chime for about 2 years. Previous bank being a traditional brick and mortar bank. Chime has caused me a lot of issues by taking way too long to process transactions. I recently got a fee charged to me of 150 dollars by the DMV for declined transaction because Chime typically takes 3-5 days to pay bills. An issue I never had with Chase. Chase withdraws the amount from your balance immediately even if it’s not yet fully posted, as a courtesy for customers. Chime will wait the full posting period before actually taking the amount off your account. Being low income and living paycheck to paycheck this caused me a great many issues taking way too long to deduct the amounts from my account. Sometimes over a week. I do the same exact payment on my Chase card and it happens instantly. We almost had our utilities cancelled because Chime took over a week before they attempted to process the payment and by then I had spent what I had because I thought it had went through. This has happened to me so many times when I got fined 150 dollars by the DMV that was the last straw for me. Had to go into the DMV and pay with my regular bank card and it went through right away. Going back to a bank that processes debits instantly rather than waiting days. Cancelling this account.BrewergamerVersion: 5.85.0

✓ DisappointingI 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..Chime FrustrationVersion: 5.137.0

✓ Close accounts and steal moneyHad 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.😭.Boycott CHIMEVersion: 5.140.0

✓ Up-and-downThis app should have a running balance so we can keep track of how much we spend per day. All it shows are expenditures and not a running tabulation…that’s a problem. PAYDAYS: Sometimes I get paid one day early sometimes I get paid two days early. Sometimes I get paid on the day I’m supposed to get paid. When I first opened the app it took 7+ days just to move money between accounts using Chime. Because chime runs through a regulated bank they should also mail a statement if we desire them. I have to print them at home. Chime once stole five dollars from me, and I’m not sure if they ever replaced it or corrected the deficit. Chime runs their whole format based on a “fee free” system where you can find fee free facilities in the mapping tab. Walgreens charges a dollar to load the card. CVS charges anywhere from 5 to 7 dollars to load the card. (Both are included in the fee free mapping/Location tab). When I called CHIME they said vendors such as Walgreens and CVS add their own charges. Well isn’t the point of “fee free” supposed to be use of the card without charge. Walgreens and CVS are supposed to be partners in the system they have no right to charge for that money at the checkout and Chime has no right to claim free checking if their partners are not honoring the system in place..Alien ComicVersion: 5.150.0

✓ 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..ZanishLVersion: 5.125.0

✓ Chime App / Direct deposit consistencyYour application is awesome. It’s easy to use and I love the easy access to move money between checking and savings. The only frustration I have with chime is the timing of my direct deposit. The consistency of direct deposits are very good or very bad! Meaning there usually 2 days before payday. Which is very appreciated. Then there’s the direct deposits that don’t get posted to my account until I call several days after my payday has come and gone asking customer service when is my direct deposit going to be posted? And I’m given the same old excuse of we post it when we get it? And then magically after telling customer service the amount of my direct deposit not being posted to my account it magically is posted. The bank I used before I can to chime always posted my direct deposit to my checking account the same time for over 20 yrs! I came to Chime because I learned that my bank was holding my direct deposit for 2 days to make interest off of my paycheck before posting it to my account. But my previous bank always posted my direct deposit on payday for over 20yrs. I love my chime app but loathe your customer service and untimely direct deposits. Honestly if the direct deposits were always timely I would rate your app with five stars. Sincerely Scott Stewart.Cmssas03Version: 5.72.0

✓ Pretty good except for check depositsThey recently started holding checks for a week before making the funds available. I’m not talking about a personal check- I receive a regular paper check from a bill-pay service every two weeks and the money is drawn from the source account when the check is issued. If there aren’t enough funds, the check won’t be issued. It’s like a cashier’s check. Chime used to make the funds available at the end of the next business day but now it’s a painfully long time for a check like this. I would understand for personal checks but these are like cashier’s checks and I’ve been depositing them with no problem for years. It was a major hassle when the delay first came into effect and a bunch of my bills could not be paid on time. It’s a bummer. My card has also been randomly declined in situations when there were enough funds. Both times I was able to withdraw cash from a nearby ATM (with fee) to pay the bill I couldn’t pay directly with my card, but it would’ve been really annoying if there hadn’t been an ATM nearby. I called to see why the card was declined and the card services people were unavailable- once at night but the other time at 4 or 5 in the afternoon— they were already closed for the day. Maybe it was after closing on the east coast?.GMoney332Version: 5.144.0

✓ Inconsiderate and UnprofessionalMy 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..KamBryce98Version: 5.142.0

✓ Waste of TimeSo I opened my chime account in 2019, I loved it at first because of the no overdraft fees and the early pay, but this bank is so annoying to deal with. Not only is their customer service horrible but just trying to get in contact with someone is as well. You spend about 10 minutes on the call menu alone just trying to get through the different options to find the right place. My wallet had gotten stolen so i canceled my credit card and debit card, I then requested a new one, took almost a month to get there. Tried to activate it and was told that the card information was wrong. Okay? Not sure how it would be wrong since it's literally right there on the card. So i contacted a rep through the app, they said they would send another one. Got the new card, tried to activate it AND IT STILL WOULD NOT WORK. Okay, maybe it's just a system error. Got a new card AGAIN a few days later after they expedited it. Tried it activating it again and it still would not work. I decided to close my account after that. It was just too much hassle to try and do it over the phone and not be able to just walk into an actual branch to get my issue resolved. Oh and when I went to close my account, the representative didn't even ask why I was closing my account. You would think that such a highly reviewed "bank" would atleast want to know why a dedicated customer is closing their account..CheykimVersion: 5.65.0

✓ Crap customer serviceI’ve been with a lot of banks and I’ve never had somebody tell me that I’m not able to cancel my cards based on me not knowing the last settled transaction. I recently had my cell phone and wallet stolen so naturally I called to cancel my cards and the customer service guy said that I couldn’t cancel my cards even though I gave him every piece of information you could think of Social Security name etc. except I didn’t know that last settled transaction naturally having my phone which is basically my computer and my cards stolen . To make matters worse I couldn’t even understand what the guy was saying he sounded like he was hung over or some thing but he basically said that I couldn’t cancel my cards and I just have to let them linger and let them get fraudulent charges charged to them which is exactly what happened. Once I got my phone in the mail I was able to download the app and cancel them I also noticed all the fraudulent charges that happened during the time I was not able to cancel my cards and they haven’t refunded me for any of them .I emailed them and called multiple times and it’s just mine blowing that I wasn’t able to cancel my cards and that the guy on the phone was so inconsiderate and unhelpful there Hass to be a solution I said but apparently not . other than this experience they’ve been pretty good so if you’re a clumsy like me and lose your stuff I would think twice about this place..CabenZeeVersion: 5.106.0

✓ DepositI 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..Savvy834Version: 5.139.0

Chime – Mobile Banking works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact Chime – Mobile Banking.