4.83★ from 1,581,327 ratings · version 5.343.0 · 15 of the last 61 written reviews are one or two stars
Fraud claims denied despite evidence
3of the 15 read·20%
Customers report unauthorized charges and theft, but Chime denies their fraud disputes even with evidence and documentation provided.
›read 3 of these reviews
“Chime supports theft — Had my wallet stolen and over $300 worth of charges racked up. Chime opened and closing investigation within two days and denied my claim. I’ll be closing my account.” — ★☆☆☆☆ · English“1 Star! — I’m extremely disappointed with Chime’s handling of my account. I had $1,400 in unauthorized transfers taken from my account, and despite repeatedly reporting it and providing additional evidence of unauthorized account activity, my disputes keep getting denied. Every time I contact customer service, I’m given the same response instead of anyone actually taking the time to look into the situation. I’ve…” — ★☆☆☆☆ · English“Great Until You Actually Need Them — I was a loyal Chime customer for YEARS until my card was stolen in May and I actually needed their “fraud protection.” Someone made roughly $300 in unauthorized Amazon purchases while I was asleep. I reported it immediately. Amazon confirmed that the order was not associated with my account, name, or address and advised me to dispute it with my bank. When I called and spoke with…” — ★☆☆☆☆ · English
Money disappears with no explanation
3of the 15 read·20%
Customers report money mysteriously taken from their accounts without authorization or explanation, with no refund or resolution.
›read 3 of these reviews
“Steal money — The app will steal money from u every so often and not replace it . Last time it took 80$ from me with no explanation and no return.” — ★☆☆☆☆ · English“DO NOT BANK HERE — Absolutely terrible experience with Chime. My account was closed, and I have been unable to get my money back. I feel like my money was taken from me, and the situation has been incredibly frustrating. What made things even worse was the customer service experience. I repeatedly tried to get answers, but the representative kept hanging up the phone on me and told me that Chime was keeping the…” — ★☆☆☆☆ · English“Lost Funds — I sent 200 dollars on accident to another chime member who has the same name as my landlord chime tells me there’s no way to get my money back really what bank can’t stop a payment Think twice about chime!!!” — ★☆☆☆☆ · English
No way to reverse transfers to other users
3of the 15 read·20%
Once money is transferred to another Chime user, customers say there's no way to recover it even if sent by mistake.
›read 3 of these reviews
“Best app for scammer — Once you transfer money to other users, there is no way to get the money back.” — ★☆☆☆☆ · English“Lost Funds — I sent 200 dollars on accident to another chime member who has the same name as my landlord chime tells me there’s no way to get my money back really what bank can’t stop a payment Think twice about chime!!!” — ★☆☆☆☆ · English“Don’t waste your time — The referrals are a scam and you can’t get a live agent to fix anything, don’t waste your time just go with Cash app or a different app if you’re sending money between people. They are a big scam and don’t wanna help you accomplish anything you need like a normal bank wood or like one of the other apps” — ★☆☆☆☆ · English
Unhelpful customer service and scripted responses
3of the 15 read·20%
Customers complain about foreign customer service agents who read from scripts, can't understand them, and refuse to help with real issues.
›read 3 of these reviews
“This FinTech bank is TRASH — Nothing but foreign customer service that you can’t understand. They don’t stand behind you and disputes, even when there’s evidence provide provided. All they do is read off a script. They have been sued by the government many times. Again it’s not a real bank. It’s a financial tech company, look it up. God help you if you deposit any type of real money in there as they make you jump…” — ★☆☆☆☆ · English“DO NOT BANK HERE — Absolutely terrible experience with Chime. My account was closed, and I have been unable to get my money back. I feel like my money was taken from me, and the situation has been incredibly frustrating. What made things even worse was the customer service experience. I repeatedly tried to get answers, but the representative kept hanging up the phone on me and told me that Chime was keeping the…” — ★☆☆☆☆ · English“Don’t waste your time — The referrals are a scam and you can’t get a live agent to fix anything, don’t waste your time just go with Cash app or a different app if you’re sending money between people. They are a big scam and don’t wanna help you accomplish anything you need like a normal bank wood or like one of the other apps” — ★☆☆☆☆ · English
Apple publishes the most recent written reviews, up to five hundred, and that is what was read — not a search for bad ones. Why so many of them are angry. The complaints above come from the 15 most recent negative ones. Newest review 3 days ago (05.09.2026), last collected 2 days ago.