Please be cautious using your chime account. If you have found yourself with bad credit, or no credit then you know how hard it can be to… Share This Post: Facebook 0 LinkedIn 0 Tweet 0 Pin 0 Email 0. I really liked Chime at first due to the user-friendliness of the app and the fact that you don’t get stuck with ridiculous overdraft fees if you overdraw your account. Come to find out, members are doing things that are against Chime's policies and then want to blame the bank. If someone gets into your email that person can get into your chime account. Time to Cancel Chime Bank. I decided I wanted to start using them for my saving. December 29th I got an email from Walmart.com indicating that they canceled my order due to suspicious activity. This bank is terrible don’t use it they double charged you for orders. Close the account. If you have bad marks on your ChexSystem report from the past, you could be barred from opening a new account with a bank for up to five years. I've been banking with Chime for about 4 years and have utilized almost all of their features. I love my Chime!! I used my Chime ATM card at a Webster Bank ATM and it debited $1,000.00 from my account but distributed no money to me. Refreshing to have a bank provide such great service and reliability in an age where big banks are becoming increasing unhelpful and sometimes even rude. Specific Search. LOVE CHIME. Copyright © 2020 Consumers Unified LLC. WHY? Chime Bank offers customers a chance to get the most basic functions of a bank account without the unexpected fees. They will take your money and not care. And as a Simple customer, you’ll receive access to over 40,000 nationwide ATMs. I was shaken but felt like things were handled. For more information about reviews on ConsumerAffairs.com please visit our Read our Chime Bank review for more. You Hear the name CHIME and you start to think oh boy another Prepaid Online Banking Debit Card ! Seeing they sent out my replacement card and would be the only ones with the new card's info. You have to go to certain places and you can only get out a certain amount. An Introduction to Simple Bank. How do i get my money? Chime members receive a Chime Visa debit card, a Spending Account, a Savings Account, and a powerful mobile app that keeps members in control. Be the first one to find this review helpful. It's nice to have a cushion when you're running low. I was also one of thousands of the lucky winners of a recent $200 prize from a social media marketing promotion. They also limit external transfers to $25k a month. Yet, I tried to give them a chance: They failed. Be sure to write your review of Chime below and read other actual customer reviews and opinions of Chime Bank below. Recently, someone obtained my account info and made about $2,100 of charges to my card. As long as your direct deposits and paybacks are consistent your Spot Me will always be there to help. Finally on to our wonderful supervisor, the women that said nothing different than the others. How can my deposits going in each payday and using card at gas station and groceries violate an agreement. It's all my money, I should be able to transfer and use however much of it I want whenever I want. Why would anyone give someone their personal security information to a complete stranger without verifying the legitimacy of the call? Chime Bank Review: Fee Free Banking That Pays You Rewards When You Save. So much easier than others with plenty of options to build your credit or expand your bank account. Completely unprofessional organization. If you’re looking for an online bank – but one that also provides full-service banking – look no further than… Self Credit Builder Account (Formerly Self-Lender) Review. I went to their website, again not an option to report fraud. I try calling Walmart but it took way too long for them to answer the damn phone. This charge for $500.76 has been confirmed as fraudulent by Council Bluffs police dept and by Walmart. Which I never had. Chime didn't even bother to contact the detective nor did they contact Walmart during their "investigation". External bank transfers to Chime — See your external bank for limits. Shortly after I received my money back they closed my account with no explanation. There are no ATM fees if you use within their network and there are TONS of them. The best bank. We have never had a Chime account, never requested a Chime Account and now most certainly never will. We adhere to strict standards of editorial integrity to help you make decisions with confidence. Banks will often consult with ChexSystems before taking on new clients. Since I started working I have money in my account I worked hard for and all my money I’m not able to access. DO NOT USE THEM UNDER ANY CIRCUMSTANCES. Now I have to sue their asses because they want to reverse the provisional $500.76 they put in my account during their less than flimsy investigation. I was on hold with Chime for over an hour and was basically told they had to investigate and wouldn’t receive any money back for at least two weeks. No responses. Now in order to get my money back they want me to send a picture of myself holding my ID and ssc or they won't give me my money back. The Spot Me feature is phenomenal! I have had my Chime Account for 4 or 5 months and I am happy I switched over. How do i protect my money? A review of complaints was done in October 2020. Unsubscribe easily. A friend referred me with the possibility of getting a $75 bonus within 45 days. No help at all! Finally got a hold of someone in their India call center and he told me to email support_at_chime.com. We DO NOT remove reports. I get my direct deposit early and there credit card has increased my score! We’ll start sending you the news you need delivered straight to you. The second time my account was hacked and like many others on here reviewing, all of my money, 2200 dollars to be exact was transferred to an unknown person via the pay friends feature. My next step was the contact the local police dept and file a police report. I should've avoided Chime, given the horrible review of a mentor. This bank is a scam. Someone tried to make a purchase hoping the card would of been activated. I Will use Chime over any , ANY ANY ANY Financial Establishment. Then I alerted Chime letting them know that whomever accessed my Walmart.com account and used my bank card for their purchases made 2 transactions one of which was caught by Walmart and canceled and a 2nd charge which went through and was released to the thief. updated: December 10, 2020. Walmart said that the charge would fall off my acct in a couple of days. Green Dot — $1,000 every 24 hours. Direct deposits were always reliable and spending with the visa card is safe and easy to use. Hours...love them. They cannot as an FDIC organization, continually lose people's money and close accounts without being investigated. When I needed Chime the most, Chime was there for me. And it told me that I was denied because of applying for it before. Don't waste your time with this incompetent company. Really??? Of course I called Walmart and then I called Chime to alert them and have my card canceled and a new one reissued. No hidden fees or overdraft fees. And payday is 2 days sooner.. my physical stimulus check thru mobile deposit was accepted and deposited same day. If you're looking for a modern bank with NO fees, NO overdraft charges, and simply NO worries, check out our full Chime Bank review right here. I'm on Social Security, get paid monthly and because I signed up on the 12th they denied the payment even though you're supposed to get paid early. Illegal practices by Chime not protecting members money. How do I know I can trust these reviews about Chime? This company does not require a credit report to authorize new card holders so even though my account is frozen, they issued a card to someone who stole my information. I thought i would not be on here review I am so upset with chime and I was highly going to refer people to them but after what they told me go somewhere else. HORRIBLE leadership! There is not an option to report fraud. Since I moved back home because of the pandemic and had to go on unemployment in the state I was working in, Chime suspended my account because of a different address than where I received the unemployment from because it was “suspicious”. When the card came in the mail it sat about two days before I went to activate it. And after a recent series of scandals that included things like opening accounts for customers without their knowledge, improper foreclosures, and the not-so-small matter of its role in the 2008 financial collapse, that reputation has only gotten worse. WORST BANK EVER.They froze my account for "unusual activity" because I needed to access my money in order to purchase a home. Unsubscribe easily. Chime has … So now I'm confused because I thought that this was taken care of. by George Windsor Updated: June 16, 2019 Banking Chime Bank has an innovative twist on conventional banking. Did i get a call back after the disconnection, I think you may know the answer to that. The app is user friendly, which is very important to me. Does anyone read the fine print anymore? This is a horrible experience perpetrated by a substandard place pretending to be legitimate. By the time I reached someone at the Council Bluffs store, the package had already been picked up. About 5 days after that I was notified by Chime that my account was on hold because someone tried to put the same amount of money back into my account. They will never allow you to load money to your card using a third party check cashing or loading service, and they will not let you put your spouse's stimulus payment into your account without verifying that it's legitimate because they do not offer joint accounts. I was very nervous and transferred my money out of chime right away. Sent another email because the ONLY phone number they have advised me to send email. Well how about having 10,000 in Chime Bank and they close your account and say after they do it was due to suspicious activity and then deny you access to see your transactions to see if fraud had occured? I used my card to get gas and 2 hours later tried using card, which got declined. Up until recently, I didn’t have any problems with Chime, but it seems like there is a flaw in their security or something. I cannot believe it's backed by Visa! In this video, I will be talking about the Chime Debit card, all the pros, and cons. I applied for it the first time about 5-6 months ago. Sent an email to report the fraud, it has now been 4 days and 11 emails later and we are no where near close to resolving this issue. Reply. Do not buy masks from unknown unreliable websites! This experience has now traumatized me because chime has showed me no matter how long you have been banking with Chime at any given moment they can close your account, leave u stranded ,not contact you, block you from contacting customer service by phone, make you wait 30 days for your funds and can not explain to members … Sending a check is completely free. That means funds up to $250,000 are covered if the bank … I lost my card and had a replacement one within a week. When I finally was received by another operator, it just so happened that they were also NOT a supervisor. We value your privacy. I asked to speak to a supervisor and I was told no more than three minutes, that was a lie. Chime Checkbook — Amounts are limited to $5,000 per check. But Chime won’t hold your ChexSystems report against you. We value your privacy. We called Chime's 800 number which is utterly useless. Sent multiple emails to chime support. Chime security isn't strong enough, because they use email as the username. Our content is intended to be used for general information purposes only. Chime claims there was "no error" here and had the nerve to tell me that I have enough money in my account to cover the charge. Like Chime, Simple offers a free checking and high-yield savings account. CHIME BANK Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported Your Search: Chime Bank. Coronavirus Covid-19 order masks now?? Is what chime bank needs to also take the time to give as well. When it comes to managing your money, consumers have more options than ever. I became a Chime customer about a week ago. In my dispute I included all correspondence from Walmart, the police report case #, and the name and phone # of the local detective working on the case. Then they determined that my dispute filed at the end of December showed "no error" and stated that they were planning to reverse the provisional disputed $500.76. Still, customers can rest assured their funds are safe with Chime, as deposits are backed by its FDIC-insured partners, the Bancorp Bank and Stride Bank. Sent it to them and they won't even honor their own representative saying that we qualified. So glad I signed up with Chime. I gave them a four, only because I haven't banked with them too long. I was alarmed because I hadn't placed an order on my Walmart acct. Chime honored the visa 0% liability promise and within a week the money was back into my account. The Spot Me feature is also another perk that is great. That's the downside. My only recommendation is that you READ the member services agreement and never give anyone your personal information. I've been a Chime member for over a year and I was really worried about some of these reviews. Their customer service phone number makes it next to impossible to reach a live person and when you do they are literally reading a script including parts of the script that are instructions for them! I give Chime Bank five stars because they have excellent customer service. The overall rating of the company is 2.2 and consumers are mostly dissatisfied. I can't say enough good things about this company. Then I was informed by her gladly that I would get my money back when the transaction was no longer pending. I was furious because a thousand dollars is no little amount of money for me. I found the CEO on LinkedIn and sent him a personal message just to eliminate his excuse of not knowing how HORRIBLE his bank is. Well i dont know since after 14 emails amd calls ive been completely ignored. Get buying tips about Online Banks delivered to your inbox. Lost that one (yeah I know) and that one was also replaced within a week. The app even shows you where they are located in your area. Get paid earlier, boost your savings and raise your credit score with this digital bank. I'm shocked at how many people are actually placing blame on a bank for things the members did wrong!! Chime Bank ranks 47 of 708 in Banks category. They offer easily hacked services and our money is not safe. Once this hold clears, I will be closing out every account with this bank. Plus they don't have a word. The overall rating of the company is 2.2 and consumers are mostly dissatisfied. If you have a pending transaction they will not help you unless you could include an email with information they want but the merchant can’t give you all the information in an email but they can give it to u over the phone it to you over the phone but they won’t except that, I like chime I think that they are a great bank. Chime, the leader in the U.S. challenger banking segment, helps members avoid bank fees, save money automatically, and lead healthier financial lives. Chime Bank was first mentioned on PissedConsumer on Dec 16, 2018 and since then this brand received 1569 reviews. Love the spot me feature. Someone had transferred money out of my account. There may be more reports for "Chime Bank" For more results perform a general search for "Chime Bank" Showing 1-25 of 42 Found Reports For more results perform a general search for "Chime Bank" Wondering if a report is missing? MY HUSBAND SND I BOTH USE CHIME ITS SO CONVIENT FOR HIM TO SEND MONEY WHEN NEEDED. Obviously this was Fraudulent activity. Short on cash the day before payday , Chime Can Spot You.. So why do this to me now. Here's what recently happened to me:At first I thought Chime was cool. 106 reviews from Bank of China employees about Bank of China culture, salaries, benefits, work-life balance, management, job security, and more. Direct deposit is available. If you're considering opening a Chime account, then you should absolutely do it. So I’m confused. Discover the 10 unique benefits that make this bank so special --save $100s in fees every year. Chime offers a SpotMe Feature where you can overdraft your account anywhere from $20.00 To $100.00 with no extra charge. I have been on the phone with them over 10 times and they tell me one thing while the email team tells me another. You can have absolute confidence in their ability to make sure that your money is safe. I spent 1 hour on the phone with customer service yesterday and sent numerous emails to cancel the account and they keep saying they take identity theft seriously but at the same time have yet to close the card. Sample Bank was founded in 2009 and is currently based in Portland, Oregon. I NEVER imagined there could be a worse bank than Wells Feego, but Chime has proved me wrong. When I called them to get my money back the first Rep I spoke with never apologized until I made it known she hadn't. Thank you, you have successfully subscribed to our newsletter! I had a lot of money in my account which per their information I should receive a check in 2 weeks. Please be aware that some (or all) products and services linked in this article are from our sponsors. Still waiting on response not much help... Bank closes account no explanation except suspicious activityAs any normal human would be concerned when dealing with our money if you heard suspicious activity the first thing you think is oh no fraud. Theft is unacceptable. This company does now know what one hand is doing to the other! Simple Bank offers a "Safe-to-Spend" feature that takes the math and the worry out of spending when you don't have your checkbook or budget in front of you. Chime isn’t actually a bank, but a startup that offers banking services completely online. Chime came through for without really any issues. The only fee listed is an out-of-network ATM fee that Chime charges you when you use an ATM outside the Chime’s ATM network. I got an alert to my phone saying my purchase was declined because I need to activate my card first. ConsumerAffairs is not a government agency. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. The customer service department at Chime really goes above and beyond to help combat fraud. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. Chime instructed me to file a dispute which I did. HORRIBLE bank! Chime. I just received an email stating that they were ending their relationship with me. I love banking without fees, getting my deposit up to two days early, and being able to categorize my spending. When you use your Chime Visa card, Chime takes a small cut of the … However, there are other things you should know. The member service agreement also says that we absolutely cannot use a third party to load money onto our cards or they will close our account. © 2021 Trustpilot, Inc. All rights reserved. EDitorial Comments. You can block the card using the app if you misplace it, and ordering a replacement is free if it doesn't turn up. It’s not like your traditional neighborhood bank branch, but Chime accounts still have FDIC insurance, so they’re safe places to keep your money. Complaint Review: chime bank card - Nationwide. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. Who would have their family and friend's stimulus check deposited into an account when the policy clearly states, "The recipient's name on any direct deposit MUST match the name of the account holder or the deposit will be returned." I look into this order that's ready for pickup further and realize it's a different order. Bovini Steakhouse & Bar: Overprized and bad - See 16 traveler reviews, 76 candid photos, and great deals for Hong Kong, China, at Tripadvisor. If I could give Chime zero stars I would. I went on with my day but then around 6:30pm I get another email from Walmart stating that my order was ready for pick up in Council Bluffs Iowa(I live in Waterloo Iowa and I don't drive). This company seems bogus. This company is not yet accredited. Needless to say, I do not recommend Chime! I'll pay change it back to my original Bank even though I don't get paid early. While a bank may leave you struggling to figure out how to maneuver around the monthly account, Chime keeps it simple with almost no fees at all. Chime Bank Review for 2021. Enjoy reading our tips and recommendations. Best Chime Bank review in 2019. Got a response saying I violated terms of agreement. By Shane Murphy Nov. 26, 2020. I get paid one day early, some people can get paid two days early. By Peter Anderson 34 Comments-The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). I have always been able to find an atm that accepts Chime...wherever I am at. Thank god I didn’t lose anything but it leaves me to believe I’m not the only one. Read Full Review: Chime Bank Review: Mobile Banking Without the Fees. I had been a Chime customer for a little over a year. If you are looking for a cool way to save without all the fees, check out Chime Bank. Spent another 10 minutes verifying that email actually belonged to Chime. I’ve had a Chime account for about 5 years but didn’t use it much. All Rights Reserved. The only other times I have had issues was with a merchant who placed a hold on my card, but that was the merchant's fault, not the bank. The banking industry has never had a sterling reputation when it comes to the way it treats customers. Bad business stay away. Bank transfers via Chime — $200 per day, $1,000 per month. They also offer a "Goals" feature which helps "hide" your money for emergency … Hundreds have had their money stolen using chime. No response no answer no replies NOTHING. How hard can this be. I ordered a new debit card and started transferring over my savings. There are no fees with this card. I'm shocked at how many people are actually placing blame on a bank for things the members did wrong!! We followed all their steps and responded to all their requests yet we keep getting the same canned emails asking for the same information from different people. M&T Bank Review 2021: A Full Service Regional Bank. First, it started with hackers trying to use my card online, but Chime had flagged all of those transactions and I was able to get another card which is a pretty minor inconvenience but still had to wait for the new card in the mail. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Sign up to receive our free weekly newsletter. Who would not love that? Unresponsive to a degree that is unimaginable for a credit granting company. I Use to love chime but chime will take your money and swear they don’t know what happen I’m in the process of getting B a lawsuit together this company is a lower it say 2 days early pay day lie to I always got paid the day of my payday, Only the latest review will count in the company's TrustScore. This Chime Bank review can show you what this exciting online bank has to offer.