They suspended my account without notifying me and the only way I found out was when I tried to withdraw cash at an ATM, it was declined. I tried to log on to my account and it said it was suspended and that I had to contact them through their support email. This is the same fraudulent tactic that NetSpend uses to scam money out of their cardholders. They lock up your account and some people are unable to get through all their hoops and just let the money go away. But, there is a solution. If you file a complaint to the Federal Reserve, you can get banking regulators on them. Their practice is illegal. I suspect a class action lawsuit will be forthcoming. Please do NOT join Chime and if you are "suspended", do not give up. File Federal complaints, then withdraw all your money and close that account. If you already have an account, withdraw and close it.
My account was suspended on Dec. 29 2017 of an unauthorized transaction of a payee to a friend. They have not contacted me I've been calling them everyday because I have no clue what I'm the world is going on. The women from dispute told me there is nothing they can do and all my funds will be taken off my account of $1,930.00 and there is no way I will be able to get my money back. I have been with chime since October and I've had nothing but problem from money being stolen from me. I just don't understand why they would hold and take funds from me over something I have no clue about. I seriously need help and they need to be s**t down and my funds need to be returned to me because I work way to hard for my money to be stolen from me
My wallet was stolen out of my garage and my Chime card was used in the amount of 900.00 dollars. I called the same day the charges hit our account. Several different charges. The first was with Barnes and Noble for 1.05 cents. Next were jail or prison phone cards and a cable bill for over 300.00 dollars. The charges made at brick and mortar stores were cancelled out. I saved the screen shots. I called and was told that the card was cancelled and one was being shipped and I would receive it in three days. Never happened. I ended up getting another card in two weeks after multiple requests. I have a phone recording app on my phone and in the State of Arizona you only have to have one party consent and that was me. I was told it was fraud and my money would be returned by October 31st, 2017. My money should have been returned within 10 days by law. Chime told me that the 10 days start from when you submit report that they didn't send until three days later. I explained to them this wasn't the law. They didn't care. On the 31st I called and asked were was our stolen funds. I was told they wouldn't be returned and that a letter would be sent. Week later never received, but I did get an email saying no error had occurred. I gave Chime the police report that states my wallet was stolen. I made CFPB reports and attached all communications. I also made complaints with The Bankcorp and the Federal Reserve. I sent Chime/Bankcorp the recording of the Chime claims specialist saying our money would be returned on the 31st and no response. I also have the companies that charges were made to on record saying I didn't give permission for payments. I asked Chime if I should dispute with companies and was told Chime will handle it. On the 8th I'll be filing a small claims lawsuit against Chime and Bancorp Bank. I'll be seeking damages. My spouse's work deposits up to 4,000 dollars every two weeks in this account. I just wanted my paycheck two days faster. What a mistake that was. I'll be posting the lawsuit on my Facebook page Democratic News and Events with all communications. My page had over 40 million visitors in the last four months. I'll make sure it stays pinned at the top for a year. I would recommend never doing business with any Bancorp company. If you're leave immediately. This company has more complaints then any other business I've ever seen.
They kept my money after I paid for gas using my card and the gas station didn't give me the gas instead they refunded the money back I called Chime they said it would be a few days a few days turn into a month and today is the day they are supposed to refund my money and they haven't done so and what's so bad is I only have had them for a month and I hate them. I absolutely do not want to continue using them once my next deposit releases. I would not recommend this company to anyone I am going back with card.com they are much better with returning a person's money.
Never had to wait 20 days. Plus the staff is rude I only talked with 1 employee who really was concerned with me getting my money. I will never ever deal with Chime bank again actually they can go and f**k themselves. I didn't have money to take my kids to school chime I hope your company burn to the ground.
did you ever get your account unsuspended or your money back
Yeah my account was suspended on 12/15/19 due to me trying to update my account to a new number, I have 66.46 in my checking and 140.00 in savings I have spoken with 3 supervisors and I have sent in requested supporting documents. They will not allow me to speak to anyone in fraud they said give 24hrs it has been literally 72hrs and still no answer and my direct deposit hit today and guess what no money at all, my job can't cut a check until they return direct deposit back to the employer and then a check will be issued, with my hr deptmt states that I wont have a check until after my birthday 12/22 or after Christmas I am furious and I am not playing with them... I told them they better have some answers by tomorrow if not I do have a lawyer that is friend of the family and she doesn't play.
Chime bank card did not replace the money that was unauthorized out of my account that is very poor customer service for a bank to rip you off like that
This bank doesn't even deserve the 1 star I gave them, but unfortunately there is no option to give them negative million stars. My husband and I are going through a rough patch financially. After having issues with our previous bank and trying to get back all the fees they have erroneously charged us, and eating up both of our paychecks, which we live pay check to paycheck as it is after recently going through a hardship and trying to recover. We are doing all that we can to keep our home and avoid foreclosure and keep our vehicles and that means keeping promises/arrangements that were agreed upon. So we decided to open a chime account based on their advertisements and didn't think we had anything to lose. Well we were COMPLETELY WRONG this is worse than I could ever imagine-not even sure how they get away with all they have or how it's even legal!!!! My husbands direct deposit went into his account, but he has not received his chime card yet and won't for another 2 weeks!?!?! We tried transferring the funds from his account to my chime account seeing I already received my chime card and activated it. So essentially it would just be a simple internal transfer, right?! Well they keep telling my 1 hour and that they are "escalating" my request, well it's now been over 36 hours and still have not heard from them or has it been taken care of yet. But now here's the BIG ISSUE which I'm super worried about now... my husband and I had to withdraw about $5,000 from our 401k and it's set to go into his chime account- we set this up prior to having gone through any of this bs with his paycheck. They are now telling me I would have already used up my "one" transfer prior to receiving the card. ABSOLUTELY NOT!!! That will not fly one bit, obviously we took out that money which isn't even ideal to begin with, for a reason!!!!! So help me god, they better have ALL OF OUR MONEY available to us on Monday, because I will seek legal action.
IF YOU ARE THINKING OF USING THIS "BANK" ** RUN HARD AND FAST IN THE OTHER DIRECTION ** I signed up with chime bank bc they claimed it would make my life easier. It didn't I say "it" instead of "they" because their customer support is nothing but a group of uneducated automatons programmed to say whatever their management tells them to say AND THEIR IS NO ESCALATION PATH if there is a problem. They have no power to make any changes. Here is my specific instance. And it happened twice exactly the same way.
1) their customer support is based over seas and those people have no idea about American financial norms. 2) they consistently claim to transfer you to a "supervisor". There is no such path. They simply transfer to the beginning of the queue where you have wait on hold then asked to re-enter your information to prove who you are EVERY TIME. Which is essence is a good thing if they didn't make you do it over and over to whoever you talk to. 3) possibly illegal banking practices. I set up a bill-pay vendor. In this case my Apartment Leasing Office. I entered the amount and they said it was sent. They deducted the money from my account. I scheduled my check THREE WEEKS AHEAD OF TIME. The check was never sent but the money was deducted from my account. 4) When they have an issue with your payment. They don't bother to return the money to your account nor do they even notify you that there was a problem. 5) when I called customer service. They always say " that payment as already been TRANSFERED." and that your problem is with the apartment complex and essentially hang up on you. After checking with the leasing office they did not receive a check. This happens to be exactly what every "customer service" person says. My estimation is these are uneducated people with no experience in banking. Maybe retail or fast food, but not high quality individuals. They have no idea what they are doing... Or they do, and are intentionally scamming people.
6. I asked for proof of payment. A canceled check anything, and they repeatedly give the same story. "We don't ever provide canceled checks." There is nothing they can do bc that's how we are programmed by their management. They don't even try to help you find out what happened. They just assume they are right and you are wrong. NOT TRUE! 7. They have no concept of the importance of rent payments in the USA, and don't care if you are being pressured to pay or you will be evicted. 8) I Finally got through to someone. You have to get a escalation number from one of these hapless employees who I guess get in trouble of they gave to get someone else to help you. Their unwillingness to help is absolutely offensive. 9) it took almost a week to get the money returned to my account for a mistake that THEY MADE. 10) if I had not had to call repetidly over 10 times to get help, they would have simply kept the money. RENT IS A LARGE ABOUNT OF MONEY. What I expected was the bank to send me a message IMMEDIATELY when there was a problem sending a check ( or any transaction) . And immediately return the funds to my account. Also, I expect the customer service to have a complete history of the transaction, not just "oh. Well we sent the money to the division that prints checks, so it must be your fault" THIS IS THE TRANSCRIPT OF THEIR CUSTOMER SERVICE. They prevent you from copying so I had to retype it. Their phone support gives the EXACT SAME RESULT. Ignorance or deception. You decide.
Richard Cramer (DEC4) On Nov 8 $xxx _____ apartment complex. They did not receive my rent check Richard Cramer (Dec 4) Very Important Richard Cramer (Dec 4) Is somebody there? Member services (Dec 4) -- 16 hours later Thanks for reaching out to Chime Member Serivices! After reviewing your account, I could verify that the transfer is already settled, this means that it's on _____ apartments side. Please let them knoq that the check has been successfully transfered. Please let me know if I can assist you with anything else.
I CLOSED MY ACCOUNT BECAUSE OF THEIR PREDATORY BEHAVIOR.
Chime suspended without notice. I called when I couldn’t access the app or my money. They asked me to prove where my funds/ deposits were coming from. I sent info; my account was reopened. A few weeks later, they then closed my account without notice again. They accused me of using the account for “business purposes” but would not tell me what transactions that made them think that. They said they would return my money by check within 30
days. Withdraw your money immediately and close your account before you get to this point.
FOR ABSOLUTELY NO REASON CHIME BANK FROZE MY ACCOUNT WITH $17,448 IN IT. IT HAS BEEN OVER A YEAR. THE MONEY IS 100% LEGALLY OBTAINED. THE BBB, CFPB, FEDERAL RESERVE AND FBI ARE ALL HELPLESS IN RETRIEVING MY MONEY.
IF YOU USE CHIME YOU WILL BE A VICTIM OF CHIME THEFT.
Account Suspended and not one customer rep ever got back to me
Seems this is an ongoing thing. I believe its actually them. I took out $40 at an ATM the next morning the same charge happened again, so I reported it. Boom Took my account away I had all my money in the account, The fact that they won't even email or call you back is a law suite waiting to happen,.
Read some reviews on Chime and decided to try them. So sorry I did! I deposited 500 dollars and the following day I was meeting local casino. The atms were down so I proceeded to the cage and withdraw money the transaction went through and had a good time. I then realized I needed 40 dollars went to the cage again and the transaction came back declined! I called Chime and they told me my account was suspended! I asked for what and they told me because I withdrew my money too early! Have you heard of anything so ridiculous! They told me I have to prove my identity! Once my card is active and I withdraw the rest of my money I am going to torch that card!
Ridiculous. My "chime bank" card was stolen. I made a police report. Inexplicably they refuse to follow any laws and make no effort to return the money. The guy confessed, he's in prison. The charges amounted to $6515.27. There are laws that must be followed and it's because people like these shouldn't be trying to be a bank.
Suspended my account twice the first time they suspended my account was December 21st yes around the holiday times I was in the hospital from a turbo car accident my kids had to get money out of my account to help take care of me for almost a month and a year to the day now today July 31st my account is suspended again without explanation and all the sudden I don't know how this bank can continue to get away with this without anyone reporting them to the Better Business Bureau and whomever else handle these affairs I myself am going to report them today to the news media and see if I can get something done on behalf of everyone else thank you.
There was anauthorized transaction on my debit card in March of 2018 , called the bank and the representative made a 3 way call to the retailor and asked them to remove all my information and refund me the abount charged, and they did refund due to error on their end and also made sure that they removed all my debit card info from their system, and again they charged me back in April but with a different amount and i called the retailor and talked to their rep by name Iris , she kept saying they did not charge me at all while i see the charge very clearly on my account , i disputed that amount with chime back in which in return they did no credit me for the amount charged even though the retailor confirmed that there is no charhe showing on their end.
the bank resolution was against me even though the retailor confirmed no charge on their end shows
Chime bank is the worse ever , do not recommend to anyone
ON THE 30TH OF MARCH I WENT TO AN ATM SUGGESTED BY CHIME MOBILE BANKING AP AFTER REQUESTING 500$ I ONLY RECEIVED 160 ITS BEEN ALMOSST 11 DAYS AND I AM YET TO RECEIVE MY REMAINING FUNDS. IM STILL A KID SO LUCKILY I DONT HAVE ANY IMPORTANT BILLS TO PAY BUT IT BOTHERS ME THAT THIS SAME SITUATION COULD HAPPEN TO SOMEONE WHO LIVES PAYCHECK TO PAYCHECK AND FOR YOU TO JUST GIVE ME THE RUN AROUND MAKES NO SENSE AND ITS NOT FAIR YOU GUYS WEARING CHIME IDS AND T SHIRTS ARE APART OF A FRAUD NETWORK WHICH NEEDS TO BE STOPED I CAN ONLY IMAGINE HOW MANY OTHER UNTOLD STORIES ON THIS SAME MATTER EXIST
I have been a chime bankmcustomer since August 2017. I am corporately employed and have used them to receive my pay which happens every 13 days without fail. I have a traditional bank account but Chime offers early payday which is a plus. I have had no issues up until recently. I was out of the country and while I was gone, my card was comprimised and there were about 1100$ in fraudulent charges. Once I noticed it, I immediately reached out via in app support to Chime and let them know what had happened with a detailed list of the fraudulent charges on 01/02/2018. Til this very day, no one has responded to my in app support chat messages. 01/06/2018, I finally received a correspondece via e mail from them stating that I needed to fill out a form in order to possibly get my funds back. 4 days later, on 01/10/2018, I got a message via e mail stating that my claim had been denied. I was given no time to gather any information at all.
I even replied and asked if someone could call me to get this resolved.......No call, No response. On yesterday, 01/21/2018, I called and reached a gentlemen named Joshua who told me that the only way tO get this looked at would be to write a rebuttal letter to the denial via e mail and thats what I did. On today, I called customer service again. Might I add I was on hold for 25 minutes before I was connected to someone who could help me. Spoke with this gentlemen who offered no assistance so I asked to speak to a supervisor. I stated to him that I was not willing to hold another 25 minutes for a supervisor. He then stated vthat there were 11 calls ahead of me but that the supervisor would be leaving in 30 minutes because her shift vwas over. In my mind, that made me feel like she wouldn't even get to the people ahead of me, let alone me. I asked if he could have his supervisor do a follow up on tomorrow and promised me that he would personally deliver the message to his superior to ensure that I was contacted. But wait, then I asked how long this process normally takes, his response was 45 to 90 days. I then said how is that possible but my claim was denied within a week????? He had no answer......I need answers as well as my money. I also let them know that I would be taking legal action if my case was not properly handled.....HELP
So this comedy of errors is beyond ridiculous. I'm a Chime Bank customer, and they constantly send me referral emails where I get a few dollars to sign up other people. My girlfriend had an interest, so I sent her the referral link. She goes online, enters her contact info, social security, and so forth.
During the application phase it some basic security questions such as "Which of these addresses have you never lived at?" and so on which are generated by LexisNexis and other private consumer reports. One of the questions listed four addresses, NONE of which she has ever lived at, but there was no option for "none of these." We look up through my Whitepages Premium account I have for work and find out that one of the addresses listed belonged to a woman with the same first and last name (but not middle name) as my girlfiend. Here's the real kicker: WHEN THIS SAME-NAMED WOMAN DIED - TWO YEARS AGO! - she was SIXTY YEARS OLDER than my girlfriend currently is. So I call the 800 number for Chime listed on my card, and explain the situation, and the rep says "Just enter one and it will automatically kick out the application and give you an 800 number to call. When you call back, explain the situation why you think the account was denied and we'll ask for some additional verification sent to us."
Her explanation sounded authentic, so we just picked the first address and sure enough the application is, as the rep stated, denied and kicked out. We call up Chime, again, and give the new rep the situation and the info. As soon as we give the email and social used for the application, the rep becomes a broken record and in his broken English repeats something to the tune of "I'm very sorry, but I cannot give you any information." Ok, I then explain that I am a current Chime customer, offer to give him my account number, and had called in just MINUTES before and was told what to do. "I'm very sorry, but I cannot give you any information." We ask him, calmly, if it's related to CHIME'S ERROR during the verfication process. He repeats the same phrase about not giving us information. My girlfriend asks him "Can you at least tell my why you can't give me any information? Is that a company policy? Do I need to speak to someone else to clear this up, like a supervisor or manager?" He again, repeats the exact same phrase. I ask how do we correct this, her personal info is now associated with a declined account due to Chime's error. Again, the broken record. If I didn't know better, I would have thought I was being prank called or punked by a trolling teenager with an internet soundboard with only one file. He literally repeated the same phrase verbatim, over and over, eventually getting to the point where he would interrupt us before mid-sentence and say he was very sorry but he cannot give us any information like WE were annoying HIM!
I've since moved all of my money out of my Chime account to a real bank, and called again regarding my gf's denied account just to hear that standard customer service rep answer, as clear as a bell, one last time.
I will be calling Chime to close my account in the next few days. When the Chime rep asks me, as most businesses do, why I am closing my account, I have an excellent sound bite to play for them over, and over, and over...
"I'm very sorry, but I cannot give you any information."
Chime - get your $#it together with your data collection, train your customer service reps to be knowledgeable of your business practices, and find reps that can do more than phonetically repeat statements you've given them like some kind of outsourced parrot.
Few months ago chime bank wanted to verify my identity so i provided them with all the necessary docuemtns. After successully using the chime bank for a month ot so they shut down my account stating: "
Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on January 09, 2018.
Once your Spending Account is closed, a check for any remaining balance will be mailed to you within thirty (30) days of January 09, 2018 to the address we have on file for you. If your address has recently changed, please notify us in writing within 5 days of receiving this notification to make any necessary updates.
If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed and any remaining balance will be aggregated with your Spending Account balance prior to issuing a refund check.
If you have direct deposits, ACH Debits, or recurring debit card payments, please notify the originators immediately to avoid disruption with your future deposits or payments. Direct deposits, ACH Debits and recurring debit card payments made after January 09, 2018 will be rejected and returned to the payer or merchant.
On October 19th, 2017, I had card fraud happen on my Chime account at Walmart. I called as soon as I saw the charges come through on my phone. However, I did have my physical card on me during the time of the transactions, and when CHime asked me this, I was honest and said yes. Around the time of the Walmart transactions, I also had the card number tried to be used at hotels across the country in two different states at almost the same time. Those were declined. You could tell it was one of those scam rings that had my card number.
There were two transactions done for the exact same amount at Walmart. I was told by the Chime rep that in 7 days I would recieve a provisional credit. But on the 7th day I recieved an email saying that my dispute was denied and closed. I immediatly called them and they told me that I could reopen the claim. I did so and I asked them if they could email me and mail me a write up stating why my dispute was denied. I never, till this day, recieved that information that I asked for.
Two days into my dispute rebutal, I was denied again. This time I was not notified of their decision, and I happened to call to check on the process to find this out. I decided to go and file a police report so that I could start the process for a lawsuit with this bank. I did file a police report after the second dispute attempt. I did not have much information about which Walmart the transactions tooks place at, so I decided to call the bank to see if they had it. When I called, I spoke with a dispute rep and she informed me that they did not have any of the infomation about the Walmart that the transactions were done at. You would think that if this Bank claimed they started an investigation, that they would at least have the phone number and address for where the transactions took place. Cynthia (the rep) had to Google the information for me.
After I filed my report, I emailed Chime a copy to do a second rebutal. This time the rep informs me that they do not offer provisional credits on rebutals and that it now takes 90 days for the dispute. When before with the two previous I was told 30-40 days, and 10 days for a rebutal. So they have changed their time frame on their dispute and are purposefully dragging it out, and are probably not investigating it at all. It is now December and I still do not have my money back, because Chime is treating me like I am a criminal. I did file a claim with the BBB and I hope to hear from them soon. I really do not want to take this bank to court, but I will if I have to.
I have had a Chime "bank account" for a year now. I wanted to try this online banking with no hidden fees. All was well until a random ATM ate my debit card which is the only way to access funds from my account. I contacted Chime on 11-22 at 6pm on the app - because they do not make it easy to call them directly - and advised what happened and asked if I could please expedite a new card. I had zero cash on me. I did not get a reply right away so I used my card number online to transfer money via western union to get through the next few days.
The next morning I call Chime and the rep advised me that they can send a new card but they cannot expedite it - even though i offered to pay an additional fee of whatever - and that they have to deactivate my current card before issuing a new one. They said it could take up to FOURTEEN DAYS and that I should get a new card by DEC 12th.. Excuse me?? That is extremely inconvinient of an online bank to do!! What sense does this make? If you are an ONLINE bank with no other means of accessing money you should be able to get me a new card PRONTO or at LEAST a virtual card to use online. I told them to please send asap but was advised that since the following day was a holiday that my card would not be sent out until 11-25.
I followed up on the app and the representitive advised me that they would express ship me a card and it would go out on 11-25 and arrive within 2 to 3 business days. It is 11-28 today - payday - I have 40 cents to my name - and I received a notification today that my card is now shipping wih a tracking number that shows a label was created last night and that the card has not even left the manufacturing place nor has it been turned over to UPS. Who knows when they will actually ship my card but once received I am DONE. This is not okay. I am hungry. My dogs are hungry. As of tomorrow I won't even have enough gas in my car to get to work! I am literally moving out of my apartment in TWO days and cannot access the mail box after that (which I explained to multiple reps at Chime) and will be SOL without my card.
It is now 2:13 PM in Salt Lake City, Utah, where I was told my card is shipping from, and still no updates on the tracking number provided so it's probably still sitting in their facility waiting for UPS to pick up or for someone to drop it off. Chime has no business being an online bank if they do not have alternative options for customers to access their money in the event they do not have a debit card handy. The only way I can get money would be if I actually knew someone else who has a chime account - which now i would not encourange anyone to do. I will update when I actually receive a replacement card so future customers can have an idea of how long it will take no matter how much you bug, beg, and plead for access to your hard earned money!
I have been a member of chime bank for a little over 6 months. The card was obtain as pay checks were paid 2 days ealier. ( now one day earlier). I have a traditional savings account with a credit union. My paycheck is split 40% to savings and 60% to my chime card.
I reported my card lost on Oct 19th(Thursday) roughly at 9:51 AM. As I drove into work, I realize my current address was not on file and called a representative to change it. I was advised at that time, it can only be done on line. I was assured the new card would be shipped out on the 20th to the address I updated that day(Thursday).
I called a chime representative to ensure the new card was not shipped to the old address on Thrusday. I was assured the card would go to the updated address.
On 10/23 I attempted to link my Vantage Credit Union account and transfer money directly to my personal account that has the same name on my Chime Card. The connection went through the Credit Union Security asking the questions that were set up as a security measure, however it failed. I was unable to transfer money that route.
On 10/24 Chime was called to see if there was another way to transfer my money to my Vantage Credit Union account. I was advised there are only specific Banks that can be linked. (no where on the website does it say we only accept XXX banks.) I was then advise if I had a friend that had a chime account with my ID and friend's ID they would allow the transfer. (I have no friends with chime accounts). The representative advised, the account is not frozen however, no money can go out without an active card on file. The representative further stated the account is not frozen because deposits can still be made. I was told to wait 14 business days for my card to arrive. (a total of 3 pay checks later)
I requested a supervisor and displayed my disappointment in the poor customer service received (no empathy for the customer). How the website does not provide accurate information. You can not link any/all third party banks. I further expressed no where on the website does it state the account becomes inactive if there is not an active card was on file. (bills that were set to be paid via routing and account number (not card number) were denied. I encured 70 dollars for two return payments.
The supervisor advised the card is coming from Salt Lake City Utah via first class mail usps. As of today 10/27/2017 my card has not arrived, postcalc.usps.com entering any utah zip code to a STL zip code would have place the card in my mailbox on 24th if the card was mailed on the 20th as stated. Again as of today, no card over 1200 in my account, and savings account only allows so many withdrawls amonth, which have been exhaused.
Today is payday, no food, no gas, no money and all I receive is poor customer service. I had to beg my neighbor for food to feed my children tonight. I have been in customer service/support for over 20 years. I have never in my life experience such poor, lack of concern, uncertain of company policy representatives in my life. I have trained many and these guys need my training. Every last representative was rude, had no empathy, didn't care about my issue at all. I would not recommend this bank to anyone. It causes more headache then needed. The representatives that speak with the customers as first contact show such lack of knowledge and have no pride in the company or being apart of it. . These representtives are there for a paycheck only. (atlease they get thier paycheck). As soon as my card comes, I shall be removing my money and closing my account.
I will post anywhere I can how horrible this card is. Chime, needs work on their customer service skills. Teach your employees to have sympathy and empathy for the caller. Its not the representatives job to fix the issue if it goes above thier head. It is their job to let the caller know they will do all possible to help. They did not care if my children were feed or not.
Matthew Mar 31, 2017 at 5:31 pm Your comment is awaiting moderation AVOID LIKE THE PLAGUE! Ok, for starters I constantly had issues with Kroger declining my card, but taking the money anyway. Kroger nor Chime could explain to me why this had happened to me on 3-4 seperate occasions. Now..I would then have to contact support (which is like pulling teeth) and BEG for my money to be released, since the transaction was declined. I sent in photos of the receipt as proof. Now, they did remove the hold on the fund the first 3 times, but the 4 they treated me like I did something wrong. Now..I’m going to be honest and say I may not of been the nicest guy, but who would be after this had already happened 3 times before, AND previously I had waited 30+ mins on hold for phone support. So, yes I did send a stern message to their Twitter support page. But, I own that and I wasn’t unprofessional in anyway. I just wanted answers. They then send me an email on 3/30 telling me they are closing my account on April 1st. It is now 3/31 and my account is already closed?? Not even a notice that they would be closing it 24 hour ealier? Now my funds are being held hostage.
MY TRUTH IS JUST LIKE THE REST. CHIME STOLE $1,866 FROM UNAUTHORIZED WIRE TO ANOTHER CHIME ACCOUNT THAT I NO NOTHING ABOUT. ON 06/24/2020. I WANT BRITT SCHEME INVESTIGATED AND CLOSED. ONLY DIFFERENCE IS THAT I AM FILING MY CIVIL COMPLAINT 5 DAYS AFTER THIEVING RAT BRITT STOLE MY MONEY. I WILL POST CASE NO.WHEN FINISHED. SORRY EVERYONE BUT I AM SURE CHRIST#CHIMECRIME DOES NOT SLEEP GOOD AT NIGHT. I COULD NOT.
Taking money off when I have my statement to prove when I spent money and how much. Which was in April, I’m now at -60 bucks because Of them. And they are trying to blame me for it.. I have proof of what was loaded and spent.. I haven't been able to order anything because of this pending transaction crap and now probably won't because they keep taking money off that isn't even there, it should be tho for one because I know what I have spent
I am a new customer to chime bank through metabank. This will be my 4th direct deposit with them, and i have never in my life had a more horrific experience with a prepaid debit card in my life until now. I have been going to embrace recovery center for a couple years now once a month. I pay cash $150 a month if i use a debit or credit card they charge $157.50. So on October19th 2017 i went for my monthly appointment. I decided to use my chime card for the first time and my payment went through successfully! I then got a instant email from chime stating there was a charge from embrace recovery for $157.50 and also showed me my balance after i made that payment. Now on October 27th i saw at 9:30am there was another transaction from embrace deducting $157.50 again leaving me now in the negative. I called the card immediately the first rep saw the 2 charges and said he was sending me to the department that would refund that payment.
That agent gets on the phone and says no there was no double payment he said on the 19th 157.50 was pending then they refunded me back the money on the 25th or 26th of oct then took it back out on the 27th. I said that makes no sense somehow my transaction post from the 19th from embrace is now gone and they said they will not refund my money and worse they are making me pay the negative balance. He says didn't you see or notice you had extra funds that where used? I said there was nothing posted to my account so i automatically thought it was a credit for something i was told well you should have called! Really!!! Please people do not use this company they will rip you off take your money and make it look like nothing happened. I'm not done with them i will get a attorney if i have too.
On March 24,2017 my boyfriend and I went to Universal Studios in universal city, ca. I have been banking with chime since June 2016. I bought various items at universal studios, posted pictures and even tagged where I was that day. After universal I saw the Power Rangers movie at the AMC at universal city walk. I kept my movie ticket and still have it. I bought popcorn and candy. While I was watching the movie I got a notification that an $800.00 ATM withdrawal from my account was denied at an ATM in Reseda. Then $500 were taken out and approved. I quickly searched for my bank card and found it. Not understanding how this happened I immediately contacted chime to find out what was going on. But chime is only open 7am to 5pm. So I called the following morning I spoke to Alice and told her the situation and she transferred me to risk management. I spoke to James and I told him the situation then he told me that it looked like someone must have made a copy of my card and withdrew money.
He told me that they were going to reissue a new card and file a dispute.
My card showed up 10 business days later. James told me that I would be hearing a response in 7-10 business days but he would also be sending me an email with a form for provisional credit. I didn't receive the email. I called back and was told that James would call me. I never received a call. I called back on 3/30/17 I was told someone from risk would be calling me back. 5 hours later they did and sent me the email with the provisional credit document and I asked for status. I was told the investigation department would contact me with details. I never received a call.
A week goes by so it's 4/7/17 and I contact chime again asking for status. I was informed that they are still investigating the dispute. I ask how is that possible if I was told 7-10 business days. They told me it takes time. So I check my mailbox and I have a letter that was dated 4/3/17 from chime denying my dispute. I call back chime and am placed on hold for 45 mins then I'm hung up on. I call again and wait another 40 for a representative and ask to speak to risk management. I am finally transferred after 30 minutes and I tell him I am confused. I was told to email any documents stating where I was on the date to prove where I was. I immediately email [email protected] my transactions of 3/24/17 and a picture of my movie ticket.
Today 4/17/17 I contact chime again and speak to Alice the risk management manager. I ask her for status she tells me that my documents were denied again. I got upset and tell her that how can the investigation department do any investigation if they had no information. How are they denying my dispute if they obviously did no investigation. If they had done investigation it would show that I had not withdrawn any money at an atm way farther than where I was. And she kept repeating herself saying that I can request the documents from the investigation team that show what they investigated. After much back and forth I ask so pretty much what your telling me I will not be getting my money back that was taken from me. She tells me no I won't. I told her I have not ever dealt with a bank like this. I have never had an issue where my money was taken and I didn't get it back. And I asked her how can my card be replicated and money be taken out when the only two people who know my pin is chime and myself. She didn't answer me. Now I am out $500.00 and the bank doesn't help. This is the worst bank I have ever dealt with. I told her I will be leaving
Chime Banking Reviews
Total Scam
They suspended my account without notifying me and the only way I found out was when I tried to withdraw cash at an ATM, it was declined. I tried to log on to my account and it said it was suspended and that I had to contact them through their support email. This is the same fraudulent tactic that NetSpend uses to scam money out of their cardholders. They lock up your account and some people are unable to get through all their hoops and just let the money go away. But, there is a solution. If you file a complaint to the Federal Reserve, you can get banking regulators on them. Their practice is illegal. I suspect a class action lawsuit will be forthcoming. Please do NOT join Chime and if you are "suspended", do not give up. File Federal complaints, then withdraw all your money and close that account. If you already have an account, withdraw and close it.
Duh
What kind of dumbazz uses these services that do NOT allow resolution with a physical location to go to?
How do I File?
How do I file with the federal reserve?
My account was suspended on Dec. 29 2017 of an unauthorized transaction of a payee to a friend. They have not contacted me I've been calling them everyday because I have no clue what I'm the world is going on. The women from dispute told me there is nothing they can do and all my funds will be taken off my account of $1,930.00 and there is no way I will be able to get my money back. I have been with chime since October and I've had nothing but problem from money being stolen from me. I just don't understand why they would hold and take funds from me over something I have no clue about. I seriously need help and they need to be s**t down and my funds need to be returned to me because I work way to hard for my money to be stolen from me
Contact
How you talk to someone I cant get through the automated system
My wallet was stolen out of my garage and my Chime card was used in the amount of 900.00 dollars. I called the same day the charges hit our account. Several different charges. The first was with Barnes and Noble for 1.05 cents. Next were jail or prison phone cards and a cable bill for over 300.00 dollars. The charges made at brick and mortar stores were cancelled out. I saved the screen shots. I called and was told that the card was cancelled and one was being shipped and I would receive it in three days. Never happened. I ended up getting another card in two weeks after multiple requests. I have a phone recording app on my phone and in the State of Arizona you only have to have one party consent and that was me. I was told it was fraud and my money would be returned by October 31st, 2017. My money should have been returned within 10 days by law. Chime told me that the 10 days start from when you submit report that they didn't send until three days later. I explained to them this wasn't the law. They didn't care. On the 31st I called and asked were was our stolen funds. I was told they wouldn't be returned and that a letter would be sent. Week later never received, but I did get an email saying no error had occurred. I gave Chime the police report that states my wallet was stolen. I made CFPB reports and attached all communications. I also made complaints with The Bankcorp and the Federal Reserve. I sent Chime/Bankcorp the recording of the Chime claims specialist saying our money would be returned on the 31st and no response. I also have the companies that charges were made to on record saying I didn't give permission for payments. I asked Chime if I should dispute with companies and was told Chime will handle it. On the 8th I'll be filing a small claims lawsuit against Chime and Bancorp Bank. I'll be seeking damages. My spouse's work deposits up to 4,000 dollars every two weeks in this account. I just wanted my paycheck two days faster. What a mistake that was. I'll be posting the lawsuit on my Facebook page Democratic News and Events with all communications. My page had over 40 million visitors in the last four months. I'll make sure it stays pinned at the top for a year. I would recommend never doing business with any Bancorp company. If you're leave immediately. This company has more complaints then any other business I've ever seen.
They kept my money after I paid for gas using my card and the gas station didn't give me the gas instead they refunded the money back I called Chime they said it would be a few days a few days turn into a month and today is the day they are supposed to refund my money and they haven't done so and what's so bad is I only have had them for a month and I hate them. I absolutely do not want to continue using them once my next deposit releases. I would not recommend this company to anyone I am going back with card.com they are much better with returning a person's money.
Never had to wait 20 days. Plus the staff is rude I only talked with 1 employee who really was concerned with me getting my money. I will never ever deal with Chime bank again actually they can go and f**k themselves. I didn't have money to take my kids to school chime I hope your company burn to the ground.
did you ever get your account unsuspended or your money back
Yeah my account was suspended on 12/15/19 due to me trying to update my account to a new number, I have 66.46 in my checking and 140.00 in savings I have spoken with 3 supervisors and I have sent in requested supporting documents. They will not allow me to speak to anyone in fraud they said give 24hrs it has been literally 72hrs and still no answer and my direct deposit hit today and guess what no money at all, my job can't cut a check until they return direct deposit back to the employer and then a check will be issued, with my hr deptmt states that I wont have a check until after my birthday 12/22 or after Christmas I am furious and I am not playing with them... I told them they better have some answers by tomorrow if not I do have a lawyer that is friend of the family and she doesn't play.
Chime bank card did not replace the money that was unauthorized out of my account that is very poor customer service for a bank to rip you off like that
WORST MIKSTAKE I EVER MADE!!
This bank doesn't even deserve the 1 star I gave them, but unfortunately there is no option to give them negative million stars. My husband and I are going through a rough patch financially. After having issues with our previous bank and trying to get back all the fees they have erroneously charged us, and eating up both of our paychecks, which we live pay check to paycheck as it is after recently going through a hardship and trying to recover. We are doing all that we can to keep our home and avoid foreclosure and keep our vehicles and that means keeping promises/arrangements that were agreed upon. So we decided to open a chime account based on their advertisements and didn't think we had anything to lose. Well we were COMPLETELY WRONG this is worse than I could ever imagine-not even sure how they get away with all they have or how it's even legal!!!! My husbands direct deposit went into his account, but he has not received his chime card yet and won't for another 2 weeks!?!?! We tried transferring the funds from his account to my chime account seeing I already received my chime card and activated it. So essentially it would just be a simple internal transfer, right?! Well they keep telling my 1 hour and that they are "escalating" my request, well it's now been over 36 hours and still have not heard from them or has it been taken care of yet. But now here's the BIG ISSUE which I'm super worried about now... my husband and I had to withdraw about $5,000 from our 401k and it's set to go into his chime account- we set this up prior to having gone through any of this bs with his paycheck. They are now telling me I would have already used up my "one" transfer prior to receiving the card. ABSOLUTELY NOT!!! That will not fly one bit, obviously we took out that money which isn't even ideal to begin with, for a reason!!!!! So help me god, they better have ALL OF OUR MONEY available to us on Monday, because I will seek legal action.
IF YOU ARE THINKING OF USING THIS "BANK" ** RUN HARD AND FAST IN THE OTHER DIRECTION ** I signed up with chime bank bc they claimed it would make my life easier. It didn't I say "it" instead of "they" because their customer support is nothing but a group of uneducated automatons programmed to say whatever their management tells them to say AND THEIR IS NO ESCALATION PATH if there is a problem. They have no power to make any changes. Here is my specific instance. And it happened twice exactly the same way.
1) their customer support is based over seas and those people have no idea about American financial norms. 2) they consistently claim to transfer you to a "supervisor". There is no such path. They simply transfer to the beginning of the queue where you have wait on hold then asked to re-enter your information to prove who you are EVERY TIME. Which is essence is a good thing if they didn't make you do it over and over to whoever you talk to. 3) possibly illegal banking practices. I set up a bill-pay vendor. In this case my Apartment Leasing Office. I entered the amount and they said it was sent. They deducted the money from my account. I scheduled my check THREE WEEKS AHEAD OF TIME. The check was never sent but the money was deducted from my account. 4) When they have an issue with your payment. They don't bother to return the money to your account nor do they even notify you that there was a problem. 5) when I called customer service. They always say " that payment as already been TRANSFERED." and that your problem is with the apartment complex and essentially hang up on you. After checking with the leasing office they did not receive a check. This happens to be exactly what every "customer service" person says. My estimation is these are uneducated people with no experience in banking. Maybe retail or fast food, but not high quality individuals. They have no idea what they are doing... Or they do, and are intentionally scamming people.
6. I asked for proof of payment. A canceled check anything, and they repeatedly give the same story. "We don't ever provide canceled checks." There is nothing they can do bc that's how we are programmed by their management. They don't even try to help you find out what happened. They just assume they are right and you are wrong. NOT TRUE! 7. They have no concept of the importance of rent payments in the USA, and don't care if you are being pressured to pay or you will be evicted. 8) I Finally got through to someone. You have to get a escalation number from one of these hapless employees who I guess get in trouble of they gave to get someone else to help you. Their unwillingness to help is absolutely offensive. 9) it took almost a week to get the money returned to my account for a mistake that THEY MADE. 10) if I had not had to call repetidly over 10 times to get help, they would have simply kept the money. RENT IS A LARGE ABOUNT OF MONEY. What I expected was the bank to send me a message IMMEDIATELY when there was a problem sending a check ( or any transaction) . And immediately return the funds to my account. Also, I expect the customer service to have a complete history of the transaction, not just "oh. Well we sent the money to the division that prints checks, so it must be your fault" THIS IS THE TRANSCRIPT OF THEIR CUSTOMER SERVICE. They prevent you from copying so I had to retype it. Their phone support gives the EXACT SAME RESULT. Ignorance or deception. You decide.
Richard Cramer (DEC4) On Nov 8 $xxx _____ apartment complex. They did not receive my rent check Richard Cramer (Dec 4) Very Important Richard Cramer (Dec 4) Is somebody there? Member services (Dec 4) -- 16 hours later Thanks for reaching out to Chime Member Serivices! After reviewing your account, I could verify that the transfer is already settled, this means that it's on _____ apartments side. Please let them knoq that the check has been successfully transfered. Please let me know if I can assist you with anything else.
I CLOSED MY ACCOUNT BECAUSE OF THEIR PREDATORY BEHAVIOR.
Close your account immediately
Chime suspended without notice. I called when I couldn’t access the app or my money. They asked me to prove where my funds/ deposits were coming from. I sent info; my account was reopened. A few weeks later, they then closed my account without notice again. They accused me of using the account for “business purposes” but would not tell me what transactions that made them think that. They said they would return my money by check within 30
days. Withdraw your money immediately and close your account before you get to this point.
CHIME BANK IS A CRIMINAL ORGANIZATIPON
FOR ABSOLUTELY NO REASON CHIME BANK FROZE MY ACCOUNT WITH $17,448 IN IT. IT HAS BEEN OVER A YEAR. THE MONEY IS 100% LEGALLY OBTAINED. THE BBB, CFPB, FEDERAL RESERVE AND FBI ARE ALL HELPLESS IN RETRIEVING MY MONEY.
IF YOU USE CHIME YOU WILL BE A VICTIM OF CHIME THEFT.
Account Suspended and not one customer rep ever got back to me
Seems this is an ongoing thing. I believe its actually them. I took out $40 at an ATM the next morning the same charge happened again, so I reported it. Boom Took my account away I had all my money in the account, The fact that they won't even email or call you back is a law suite waiting to happen,.
Suspended card
Read some reviews on Chime and decided to try them. So sorry I did! I deposited 500 dollars and the following day I was meeting local casino. The atms were down so I proceeded to the cage and withdraw money the transaction went through and had a good time. I then realized I needed 40 dollars went to the cage again and the transaction came back declined! I called Chime and they told me my account was suspended! I asked for what and they told me because I withdrew my money too early! Have you heard of anything so ridiculous! They told me I have to prove my identity! Once my card is active and I withdraw the rest of my money I am going to torch that card!
Major
What finally happened?
Ridiculous. My "chime bank" card was stolen. I made a police report. Inexplicably they refuse to follow any laws and make no effort to return the money. The guy confessed, he's in prison. The charges amounted to $6515.27. There are laws that must be followed and it's because people like these shouldn't be trying to be a bank.
suspended my account twice
Suspended my account twice the first time they suspended my account was December 21st yes around the holiday times I was in the hospital from a turbo car accident my kids had to get money out of my account to help take care of me for almost a month and a year to the day now today July 31st my account is suspended again without explanation and all the sudden I don't know how this bank can continue to get away with this without anyone reporting them to the Better Business Bureau and whomever else handle these affairs I myself am going to report them today to the news media and see if I can get something done on behalf of everyone else thank you.
There was anauthorized transaction on my debit card in March of 2018 , called the bank and the representative made a 3 way call to the retailor and asked them to remove all my information and refund me the abount charged, and they did refund due to error on their end and also made sure that they removed all my debit card info from their system, and again they charged me back in April but with a different amount and i called the retailor and talked to their rep by name Iris , she kept saying they did not charge me at all while i see the charge very clearly on my account , i disputed that amount with chime back in which in return they did no credit me for the amount charged even though the retailor confirmed that there is no charhe showing on their end.
the bank resolution was against me even though the retailor confirmed no charge on their end shows
Chime bank is the worse ever , do not recommend to anyone
ON THE 30TH OF MARCH I WENT TO AN ATM SUGGESTED BY CHIME MOBILE BANKING AP AFTER REQUESTING 500$ I ONLY RECEIVED 160 ITS BEEN ALMOSST 11 DAYS AND I AM YET TO RECEIVE MY REMAINING FUNDS. IM STILL A KID SO LUCKILY I DONT HAVE ANY IMPORTANT BILLS TO PAY BUT IT BOTHERS ME THAT THIS SAME SITUATION COULD HAPPEN TO SOMEONE WHO LIVES PAYCHECK TO PAYCHECK AND FOR YOU TO JUST GIVE ME THE RUN AROUND MAKES NO SENSE AND ITS NOT FAIR YOU GUYS WEARING CHIME IDS AND T SHIRTS ARE APART OF A FRAUD NETWORK WHICH NEEDS TO BE STOPED I CAN ONLY IMAGINE HOW MANY OTHER UNTOLD STORIES ON THIS SAME MATTER EXIST
I have been a chime bankmcustomer since August 2017. I am corporately employed and have used them to receive my pay which happens every 13 days without fail. I have a traditional bank account but Chime offers early payday which is a plus. I have had no issues up until recently. I was out of the country and while I was gone, my card was comprimised and there were about 1100$ in fraudulent charges. Once I noticed it, I immediately reached out via in app support to Chime and let them know what had happened with a detailed list of the fraudulent charges on 01/02/2018. Til this very day, no one has responded to my in app support chat messages. 01/06/2018, I finally received a correspondece via e mail from them stating that I needed to fill out a form in order to possibly get my funds back. 4 days later, on 01/10/2018, I got a message via e mail stating that my claim had been denied. I was given no time to gather any information at all.
I even replied and asked if someone could call me to get this resolved.......No call, No response. On yesterday, 01/21/2018, I called and reached a gentlemen named Joshua who told me that the only way tO get this looked at would be to write a rebuttal letter to the denial via e mail and thats what I did. On today, I called customer service again. Might I add I was on hold for 25 minutes before I was connected to someone who could help me. Spoke with this gentlemen who offered no assistance so I asked to speak to a supervisor. I stated to him that I was not willing to hold another 25 minutes for a supervisor. He then stated vthat there were 11 calls ahead of me but that the supervisor would be leaving in 30 minutes because her shift vwas over. In my mind, that made me feel like she wouldn't even get to the people ahead of me, let alone me. I asked if he could have his supervisor do a follow up on tomorrow and promised me that he would personally deliver the message to his superior to ensure that I was contacted. But wait, then I asked how long this process normally takes, his response was 45 to 90 days. I then said how is that possible but my claim was denied within a week????? He had no answer......I need answers as well as my money. I also let them know that I would be taking legal action if my case was not properly handled.....HELP
So this comedy of errors is beyond ridiculous. I'm a Chime Bank customer, and they constantly send me referral emails where I get a few dollars to sign up other people. My girlfriend had an interest, so I sent her the referral link. She goes online, enters her contact info, social security, and so forth.
During the application phase it some basic security questions such as "Which of these addresses have you never lived at?" and so on which are generated by LexisNexis and other private consumer reports. One of the questions listed four addresses, NONE of which she has ever lived at, but there was no option for "none of these." We look up through my Whitepages Premium account I have for work and find out that one of the addresses listed belonged to a woman with the same first and last name (but not middle name) as my girlfiend. Here's the real kicker: WHEN THIS SAME-NAMED WOMAN DIED - TWO YEARS AGO! - she was SIXTY YEARS OLDER than my girlfriend currently is. So I call the 800 number for Chime listed on my card, and explain the situation, and the rep says "Just enter one and it will automatically kick out the application and give you an 800 number to call. When you call back, explain the situation why you think the account was denied and we'll ask for some additional verification sent to us."
Her explanation sounded authentic, so we just picked the first address and sure enough the application is, as the rep stated, denied and kicked out. We call up Chime, again, and give the new rep the situation and the info. As soon as we give the email and social used for the application, the rep becomes a broken record and in his broken English repeats something to the tune of "I'm very sorry, but I cannot give you any information." Ok, I then explain that I am a current Chime customer, offer to give him my account number, and had called in just MINUTES before and was told what to do. "I'm very sorry, but I cannot give you any information." We ask him, calmly, if it's related to CHIME'S ERROR during the verfication process. He repeats the same phrase about not giving us information. My girlfriend asks him "Can you at least tell my why you can't give me any information? Is that a company policy? Do I need to speak to someone else to clear this up, like a supervisor or manager?" He again, repeats the exact same phrase. I ask how do we correct this, her personal info is now associated with a declined account due to Chime's error. Again, the broken record. If I didn't know better, I would have thought I was being prank called or punked by a trolling teenager with an internet soundboard with only one file. He literally repeated the same phrase verbatim, over and over, eventually getting to the point where he would interrupt us before mid-sentence and say he was very sorry but he cannot give us any information like WE were annoying HIM!
I've since moved all of my money out of my Chime account to a real bank, and called again regarding my gf's denied account just to hear that standard customer service rep answer, as clear as a bell, one last time.
I will be calling Chime to close my account in the next few days. When the Chime rep asks me, as most businesses do, why I am closing my account, I have an excellent sound bite to play for them over, and over, and over...
"I'm very sorry, but I cannot give you any information."
Chime - get your $#it together with your data collection, train your customer service reps to be knowledgeable of your business practices, and find reps that can do more than phonetically repeat statements you've given them like some kind of outsourced parrot.
Few months ago chime bank wanted to verify my identity so i provided them with all the necessary docuemtns. After successully using the chime bank for a month ot so they shut down my account stating: "
Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on January 09, 2018.
Once your Spending Account is closed, a check for any remaining balance will be mailed to you within thirty (30) days of January 09, 2018 to the address we have on file for you. If your address has recently changed, please notify us in writing within 5 days of receiving this notification to make any necessary updates.
If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed and any remaining balance will be aggregated with your Spending Account balance prior to issuing a refund check.
If you have direct deposits, ACH Debits, or recurring debit card payments, please notify the originators immediately to avoid disruption with your future deposits or payments. Direct deposits, ACH Debits and recurring debit card payments made after January 09, 2018 will be rejected and returned to the payer or merchant.
On October 19th, 2017, I had card fraud happen on my Chime account at Walmart. I called as soon as I saw the charges come through on my phone. However, I did have my physical card on me during the time of the transactions, and when CHime asked me this, I was honest and said yes. Around the time of the Walmart transactions, I also had the card number tried to be used at hotels across the country in two different states at almost the same time. Those were declined. You could tell it was one of those scam rings that had my card number.
There were two transactions done for the exact same amount at Walmart. I was told by the Chime rep that in 7 days I would recieve a provisional credit. But on the 7th day I recieved an email saying that my dispute was denied and closed. I immediatly called them and they told me that I could reopen the claim. I did so and I asked them if they could email me and mail me a write up stating why my dispute was denied. I never, till this day, recieved that information that I asked for.
Two days into my dispute rebutal, I was denied again. This time I was not notified of their decision, and I happened to call to check on the process to find this out. I decided to go and file a police report so that I could start the process for a lawsuit with this bank. I did file a police report after the second dispute attempt. I did not have much information about which Walmart the transactions tooks place at, so I decided to call the bank to see if they had it. When I called, I spoke with a dispute rep and she informed me that they did not have any of the infomation about the Walmart that the transactions were done at. You would think that if this Bank claimed they started an investigation, that they would at least have the phone number and address for where the transactions took place. Cynthia (the rep) had to Google the information for me.
After I filed my report, I emailed Chime a copy to do a second rebutal. This time the rep informs me that they do not offer provisional credits on rebutals and that it now takes 90 days for the dispute. When before with the two previous I was told 30-40 days, and 10 days for a rebutal. So they have changed their time frame on their dispute and are purposefully dragging it out, and are probably not investigating it at all. It is now December and I still do not have my money back, because Chime is treating me like I am a criminal. I did file a claim with the BBB and I hope to hear from them soon. I really do not want to take this bank to court, but I will if I have to.
I have had a Chime "bank account" for a year now. I wanted to try this online banking with no hidden fees. All was well until a random ATM ate my debit card which is the only way to access funds from my account. I contacted Chime on 11-22 at 6pm on the app - because they do not make it easy to call them directly - and advised what happened and asked if I could please expedite a new card. I had zero cash on me. I did not get a reply right away so I used my card number online to transfer money via western union to get through the next few days.
The next morning I call Chime and the rep advised me that they can send a new card but they cannot expedite it - even though i offered to pay an additional fee of whatever - and that they have to deactivate my current card before issuing a new one. They said it could take up to FOURTEEN DAYS and that I should get a new card by DEC 12th.. Excuse me?? That is extremely inconvinient of an online bank to do!! What sense does this make? If you are an ONLINE bank with no other means of accessing money you should be able to get me a new card PRONTO or at LEAST a virtual card to use online. I told them to please send asap but was advised that since the following day was a holiday that my card would not be sent out until 11-25.
I followed up on the app and the representitive advised me that they would express ship me a card and it would go out on 11-25 and arrive within 2 to 3 business days. It is 11-28 today - payday - I have 40 cents to my name - and I received a notification today that my card is now shipping wih a tracking number that shows a label was created last night and that the card has not even left the manufacturing place nor has it been turned over to UPS. Who knows when they will actually ship my card but once received I am DONE. This is not okay. I am hungry. My dogs are hungry. As of tomorrow I won't even have enough gas in my car to get to work! I am literally moving out of my apartment in TWO days and cannot access the mail box after that (which I explained to multiple reps at Chime) and will be SOL without my card.
It is now 2:13 PM in Salt Lake City, Utah, where I was told my card is shipping from, and still no updates on the tracking number provided so it's probably still sitting in their facility waiting for UPS to pick up or for someone to drop it off. Chime has no business being an online bank if they do not have alternative options for customers to access their money in the event they do not have a debit card handy. The only way I can get money would be if I actually knew someone else who has a chime account - which now i would not encourange anyone to do. I will update when I actually receive a replacement card so future customers can have an idea of how long it will take no matter how much you bug, beg, and plead for access to your hard earned money!
I have been a member of chime bank for a little over 6 months. The card was obtain as pay checks were paid 2 days ealier. ( now one day earlier). I have a traditional savings account with a credit union. My paycheck is split 40% to savings and 60% to my chime card.
I reported my card lost on Oct 19th(Thursday) roughly at 9:51 AM. As I drove into work, I realize my current address was not on file and called a representative to change it. I was advised at that time, it can only be done on line. I was assured the new card would be shipped out on the 20th to the address I updated that day(Thursday).
I called a chime representative to ensure the new card was not shipped to the old address on Thrusday. I was assured the card would go to the updated address.
On 10/23 I attempted to link my Vantage Credit Union account and transfer money directly to my personal account that has the same name on my Chime Card. The connection went through the Credit Union Security asking the questions that were set up as a security measure, however it failed. I was unable to transfer money that route.
On 10/24 Chime was called to see if there was another way to transfer my money to my Vantage Credit Union account. I was advised there are only specific Banks that can be linked. (no where on the website does it say we only accept XXX banks.) I was then advise if I had a friend that had a chime account with my ID and friend's ID they would allow the transfer. (I have no friends with chime accounts). The representative advised, the account is not frozen however, no money can go out without an active card on file. The representative further stated the account is not frozen because deposits can still be made. I was told to wait 14 business days for my card to arrive. (a total of 3 pay checks later)
I requested a supervisor and displayed my disappointment in the poor customer service received (no empathy for the customer). How the website does not provide accurate information. You can not link any/all third party banks. I further expressed no where on the website does it state the account becomes inactive if there is not an active card was on file. (bills that were set to be paid via routing and account number (not card number) were denied. I encured 70 dollars for two return payments.
The supervisor advised the card is coming from Salt Lake City Utah via first class mail usps. As of today 10/27/2017 my card has not arrived, postcalc.usps.com entering any utah zip code to a STL zip code would have place the card in my mailbox on 24th if the card was mailed on the 20th as stated. Again as of today, no card over 1200 in my account, and savings account only allows so many withdrawls amonth, which have been exhaused.
Today is payday, no food, no gas, no money and all I receive is poor customer service. I had to beg my neighbor for food to feed my children tonight. I have been in customer service/support for over 20 years. I have never in my life experience such poor, lack of concern, uncertain of company policy representatives in my life. I have trained many and these guys need my training. Every last representative was rude, had no empathy, didn't care about my issue at all. I would not recommend this bank to anyone. It causes more headache then needed. The representatives that speak with the customers as first contact show such lack of knowledge and have no pride in the company or being apart of it. . These representtives are there for a paycheck only. (atlease they get thier paycheck). As soon as my card comes, I shall be removing my money and closing my account.
I will post anywhere I can how horrible this card is. Chime, needs work on their customer service skills. Teach your employees to have sympathy and empathy for the caller. Its not the representatives job to fix the issue if it goes above thier head. It is their job to let the caller know they will do all possible to help. They did not care if my children were feed or not.
Matthew Mar 31, 2017 at 5:31 pm Your comment is awaiting moderation AVOID LIKE THE PLAGUE! Ok, for starters I constantly had issues with Kroger declining my card, but taking the money anyway. Kroger nor Chime could explain to me why this had happened to me on 3-4 seperate occasions. Now..I would then have to contact support (which is like pulling teeth) and BEG for my money to be released, since the transaction was declined. I sent in photos of the receipt as proof. Now, they did remove the hold on the fund the first 3 times, but the 4 they treated me like I did something wrong. Now..I’m going to be honest and say I may not of been the nicest guy, but who would be after this had already happened 3 times before, AND previously I had waited 30+ mins on hold for phone support. So, yes I did send a stern message to their Twitter support page. But, I own that and I wasn’t unprofessional in anyway. I just wanted answers. They then send me an email on 3/30 telling me they are closing my account on April 1st. It is now 3/31 and my account is already closed?? Not even a notice that they would be closing it 24 hour ealier? Now my funds are being held hostage.
CHIMECRIME CHRIS BRITT MATTHEW NEWCOMB
MY TRUTH IS JUST LIKE THE REST. CHIME STOLE $1,866 FROM UNAUTHORIZED WIRE TO ANOTHER CHIME ACCOUNT THAT I NO NOTHING ABOUT. ON 06/24/2020. I WANT BRITT SCHEME INVESTIGATED AND CLOSED. ONLY DIFFERENCE IS THAT I AM FILING MY CIVIL COMPLAINT 5 DAYS AFTER THIEVING RAT BRITT STOLE MY MONEY. I WILL POST CASE NO.WHEN FINISHED. SORRY EVERYONE BUT I AM SURE CHRIST#CHIMECRIME DOES NOT SLEEP GOOD AT NIGHT. I COULD NOT.
Taking money off when I have my statement to prove when I spent money and how much. Which was in April, I’m now at -60 bucks because Of them. And they are trying to blame me for it.. I have proof of what was loaded and spent.. I haven't been able to order anything because of this pending transaction crap and now probably won't because they keep taking money off that isn't even there, it should be tho for one because I know what I have spent
Applied online.Application declined.No explanation provided by Chime banking
I am a new customer to chime bank through metabank. This will be my 4th direct deposit with them, and i have never in my life had a more horrific experience with a prepaid debit card in my life until now. I have been going to embrace recovery center for a couple years now once a month. I pay cash $150 a month if i use a debit or credit card they charge $157.50. So on October19th 2017 i went for my monthly appointment. I decided to use my chime card for the first time and my payment went through successfully! I then got a instant email from chime stating there was a charge from embrace recovery for $157.50 and also showed me my balance after i made that payment. Now on October 27th i saw at 9:30am there was another transaction from embrace deducting $157.50 again leaving me now in the negative. I called the card immediately the first rep saw the 2 charges and said he was sending me to the department that would refund that payment.
That agent gets on the phone and says no there was no double payment he said on the 19th 157.50 was pending then they refunded me back the money on the 25th or 26th of oct then took it back out on the 27th. I said that makes no sense somehow my transaction post from the 19th from embrace is now gone and they said they will not refund my money and worse they are making me pay the negative balance. He says didn't you see or notice you had extra funds that where used? I said there was nothing posted to my account so i automatically thought it was a credit for something i was told well you should have called! Really!!! Please people do not use this company they will rip you off take your money and make it look like nothing happened. I'm not done with them i will get a attorney if i have too.
On March 24,2017 my boyfriend and I went to Universal Studios in universal city, ca. I have been banking with chime since June 2016. I bought various items at universal studios, posted pictures and even tagged where I was that day. After universal I saw the Power Rangers movie at the AMC at universal city walk. I kept my movie ticket and still have it. I bought popcorn and candy. While I was watching the movie I got a notification that an $800.00 ATM withdrawal from my account was denied at an ATM in Reseda. Then $500 were taken out and approved. I quickly searched for my bank card and found it. Not understanding how this happened I immediately contacted chime to find out what was going on. But chime is only open 7am to 5pm. So I called the following morning I spoke to Alice and told her the situation and she transferred me to risk management. I spoke to James and I told him the situation then he told me that it looked like someone must have made a copy of my card and withdrew money.
He told me that they were going to reissue a new card and file a dispute.
My card showed up 10 business days later. James told me that I would be hearing a response in 7-10 business days but he would also be sending me an email with a form for provisional credit. I didn't receive the email. I called back and was told that James would call me. I never received a call. I called back on 3/30/17 I was told someone from risk would be calling me back. 5 hours later they did and sent me the email with the provisional credit document and I asked for status. I was told the investigation department would contact me with details. I never received a call.
A week goes by so it's 4/7/17 and I contact chime again asking for status. I was informed that they are still investigating the dispute. I ask how is that possible if I was told 7-10 business days. They told me it takes time. So I check my mailbox and I have a letter that was dated 4/3/17 from chime denying my dispute. I call back chime and am placed on hold for 45 mins then I'm hung up on. I call again and wait another 40 for a representative and ask to speak to risk management. I am finally transferred after 30 minutes and I tell him I am confused. I was told to email any documents stating where I was on the date to prove where I was. I immediately email [email protected] my transactions of 3/24/17 and a picture of my movie ticket.
Today 4/17/17 I contact chime again and speak to Alice the risk management manager. I ask her for status she tells me that my documents were denied again. I got upset and tell her that how can the investigation department do any investigation if they had no information. How are they denying my dispute if they obviously did no investigation. If they had done investigation it would show that I had not withdrawn any money at an atm way farther than where I was. And she kept repeating herself saying that I can request the documents from the investigation team that show what they investigated. After much back and forth I ask so pretty much what your telling me I will not be getting my money back that was taken from me. She tells me no I won't. I told her I have not ever dealt with a bank like this. I have never had an issue where my money was taken and I didn't get it back. And I asked her how can my card be replicated and money be taken out when the only two people who know my pin is chime and myself. She didn't answer me. Now I am out $500.00 and the bank doesn't help. This is the worst bank I have ever dealt with. I told her I will be leaving