Chime complaint?

Do you have a dispute or a bad customer experience with Chime? Report it through our website to maximize the chance of getting it resolved.

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Just looking for information? Search through all 33 Chime complaints we received.

The Chime customer service number in the US is 1-844-244-6363, the support email is support@chime.com, and there is a chat option inside the Chime app, which is usually the fastest route for a card or login problem. Be careful with calls and texts claiming to be Chime: the company does not ask for your password, PIN or verification codes, and scammers posing as Chime support are behind a large share of the unauthorized transactions reported to us. Always start the contact yourself through the app or the official number. Keep a note of the date, the agent and the case number for every contact.

Account frozen with your balance still inside? Start your complaint here and we set out the dates, the amounts and the case numbers you noted in a complaint that reads like the ones that have already worked.

Act the moment you see it: turn your card off in the Chime app so nothing else goes through, then open the transaction in the app and report it as a problem, or call Chime and say you are disputing an unauthorized transaction. Write down the date you reported it, because under US rules for electronic transfers the account provider has to investigate a dispute of an unauthorized transaction once you have reported it, and the timing of your report matters. Gather whatever you can: screenshots of the transactions, your location at the time, any scam texts or calls, and a police report if money was stolen. Difficulty getting fraudulent charges resolved is the most common complaint about Chime in our community, so ask for the outcome of the investigation in writing and for the reasons if it is denied. File it through our complaint process at the same time: we push your case out to Chime through emails, social media and paper complaint letters while the investigation runs.

Chime closes accounts when its systems flag activity it considers suspicious or against its terms, and the notice often gives little explanation, which is why problematic account closures are a recurring theme in our complaints. Contact Chime in writing straight away, ask for the reason for the closure and for the remaining balance to be returned to you, and provide the identity documents they request. Keep your own record of the balance at the moment of closure, including screenshots and recent direct deposits. If the money is not returned or you get no clear answer, you can complain to the Consumer Financial Protection Bureau, which handles complaints about Chime and its partner banks, and the CFPB reference is worth quoting in every later message. Describe the closure date, the balance and every reply you received in your complaint here, where other Chime customers who lost access to a balance the same way can back your case up with their own statements.

Chime itself is not a bank: it is a financial technology company, and Chime accounts are held by its partner banks, The Bancorp Bank and Stride Bank, which are the institutions that actually hold your money and carry the deposit insurance. That structure is legal and common, but it also explains part of the frustration in our community: when something goes wrong, Chime handles the customer contact while the bank in the background makes the decisions, and customers feel stuck in between. Consumers here rate Chime 1.0 out of 5, and the complaints are not about Chime vanishing with deposits; they are about unauthorized transactions, closures and locked accounts that take far too long to resolve. If you rely on Chime for your main income, keep a second account elsewhere and download your statements regularly.

Be careful. Chime warns about fake account alerts that say your phone number was changed and push you to sign in through a link, sometimes followed by a call from a fake support number. Chime says it never asks for your password or verification codes, and some scam texts even copy that line.

So far consumers reported 33 complaints about Chime here, with an average rating of 1.0 out of 5. The most common themes: unauthorized transactions and transfers, disputes over fraudulent charges that go nowhere, accounts closed without a clear reason, being locked out after a phone change, and customer service that is hard to get a straight answer from.

Search the cases below to find one like yours.

Your complaint gets its own public page on Complain.biz and we get to work: we bring it to the attention of Chime through emails, social media, paper complaint letters and other tools at our disposal.

And we stay with it after you file. Our trained AI opens a case file for you and keeps coaching: what to reply, when to push again, and how to escalate if nothing happens.

Yes. We have an active community of consumers, and complaints here are public: people who ran into the same problem with Chime can give you advice or back you up with their own story. A complaint with a community behind it is much harder to overlook.