Chime – Mobile Banking Negative Reviews

Chime – Mobile Banking App Complaints & User Negative Comments 2024

Chime – Mobile Banking app received 22 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

✓ Apparently they remove your ability to access your own money at randomThe "Your Pay" feature is a complete scam. They have a bunch of hidden conditions they don’t tell you about straight up and apparently they can just remove your ability to use the feature in the app whenever they feel like it. I had used this feature literally the day before without issue only to find it gone the next day, preventing me from accessing my paycheck early as they said they would. When I called customer service, they made up some story about a secret balance which was past due that I can't see in the app and refused to elaborate further. I explained to them that no notifications or emails or texts that come in notify me of such a thing. Nor did anything come in letting me know that there was a deadline for such a thing. as if that wasn’t bad enough their customer service is absolutely abysmal. The company is so cheap that they try to pawn off most customer service inquiries on a robot and when you do finally get a person on the line It’s some Indian dude in a call center On the other side of the world with no real connection to the company and no real incentive to help me with my problem. like I’m literally just trying to get access to a feature that was working just fine yesterday. I plan on removing all of my funds from this app and doing business elsewhere. I suggest all of you do the same..DannyGonzo96Version: 5.200.0

✓ 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

✓ 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

✓ 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

✓ 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

✓ Very inconsistentAt first I loved chime. I’d get my check around 5-6 every Wednesday. But for over a year now it’s been extremely inconsistent with when my check loads. A lot of times recently I don’t get it til Thursday (which is one day early) and that really messes with me because I go check by check and i need it that Wednesday. It’s very stressful to not know if my check is going to come or not and when it’s going to come. They blame my employer yet other people at my job get their checks around the same time same day every week so it doesn’t make sense. I haven’t even had an opportunity for my spot me to go up. It doesn’t tell me anymore what i need to qualify for it to go up. It used to tel lame how much and how many months and then show the amount I’ve made so far and how much more I need for the month. Now nothing shows but the typical explanation of spot me. So why am I not able to raise my spot me all of a sudden? Chime isn’t helpful. A random $20 came out of my account and they didn’t do anything about it. I’m switching banks because I can’t handle the inconsistency of not knowing when I’ll get paid and if it’ll come the day it’s supposed to. It doesn’t make sense for it to come Thursday mornings when every other time for like ever it was no problem loading in 2 days early. But now it’s been terrible. It’s stressful when you go check by check. So I don’t recommend if you go check by check every week..CoolCatHalesVersion: 5.166.0

✓ 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

✓ 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

✓ Don’t use this app! GarbageI have had this app for a couple years and didn’t use it too often until recently. Since my first experiences were good I switched over to using it as my full time bank. HUGE MISTAKE! They did everything they could to screw ke over. I was in a bad spot and withdrew my 401k and was sent a US bank check which I cashed using chime. They held it for 6 days making me wait until the following Monday when it was for an emergency! And to top it off I had verification from the issuing bank that the money had already cleared and they had it and were holding it for zero reason! When I attempted to talk to a bank manager or someone who could help they repeated the same couple of cookie cutter customer service line stating they understood and would help just to have nothing change! They told me it is for my own protection even though the money had cleared and there was no more risk involved just needed to pay me! They did not they left my family including 5 year old son sleeping in a car for numerous days! And to top it all off the level 2 person who handled my a complaint basically said have a nice day and disconnected. I was switching over my direct deposit and was positioning to use chime and only chime now I wouldn’t wish them upon my enemy. If you want your money taken and held so they can illegally use it for quick investments then go for it. If your looking for a quality bank who cares for their customer you won’t find it here. Horrible!!!!.The12fearVersion: 5.193.0

✓ 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

✓ No update notes/ annoying adsUPDATE: Are you seriously advertising on my transactions????????? Now 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: 5.166.0

✓ 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

✓ 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

✓ 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

✓ 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

✓ 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

✓ 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

✓ 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

✓ 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

✓ A hassle to useChime has some nice features but I don’t see myself using this account for very much because it’s such a hassle to log into, or get customer service from. For example, I called them because someone hacked my account and it took them nearly an hour just to correct my phone number on my account. During that time I was switched to talk with 5 different people (all with heavy accents and hard to understand) and then I had to send them a picture of my drivers license along with a selfie. Again, this was all just to change my phone number. In fact, every time you try to log into your account you not only have to use your password but you are forced to solve 3 to 5 different “puzzles”. If you answer any one of those puzzles wrong, well, then you are forced to start the entire process all over again from the start! Then after that circus they send you another authentication number to your phone which you have to send back to them. This means you’re forced to have your phone on you whenever you log in, even if you’re using an iPad or computer to log in. Keep in mind, you’ll be forced to do all of these wonderful things - even if you just want to check your account balance. Since it’s such a hassle to use this banks services, I don’t see myself using this account for very much..My Tech GuyVersion: 5.162.0

✓ Do NOT deposit mobile checks to this bankI took out money from my retirement that I desperately needed as I was out of work for a few months. Without knowing the hold requirement, I deposited the check on the mobile app. Only the next day did I find out a 10 day hold was put on my check. A U.S. treasury check!!!!!! If I had went to a teller where I live at PNC, the funds would have been available the next day; however, I deposited it into Chime. My car insurance got cancelled, they are threatening to turn off my electric and take my car, and my landlord is threatening to evict me and I have large deposit of money that I made into my account that could help me not lose everything I have but I can’t touch it because Chime won’t make it available to me. Not even a small portion of it…they won’t give me anything until after 10 days. In the meantime, late fees are adding up and I am getting more and more in debt. Once this hits my account, I am done with Chime forever. What a horrible experience and no type of resolution to help. You talk to a bunch of reps who can’t take the hold off your check because it’s through bancorp. Since they are handling our money, we should be able to talk to the people who can access and make changes to our accounts instead of them being able to hide behind Chime so there is no accountability. I’ve never in my life heard of someone holding a U.S. treasury check for 10 days. Pathetic!.Klox0523Version: 5.182.0

✓ 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

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.