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Do you think Chime is not playing fair? You have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.


If Chime violated the law, you may be entitled to money damages and Chime will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.

What is Chime?

Chime is a financial technology company headquartered in San Francisco. The company was born in 2013. Today, the company offers a range of services including online banking, automatic savings, and mobile banking. 

Chime Address, Phone Number, and Contact Information

Branch Location
818 W. Seventh Street, Suite 930
Los Angeles, CA 90017 

+1 844-244-6363
Monday-Friday: 6am-10pm CST
Saturday-Sunday: 7am-9pm CST

Sudden Account Restrictions

A common complaint among Chime’s consumers is with their account restrictions. Numerous reviews iterated having had their accounts locked for suspicious activities. Upon trying to get said accounts unlocked, Chime commenced a barrage of information requests spanning days, if not weeks, of back and forth with the same information. Some complaints were closed after the complainants sought help from the Better Business Bureau (BBB).

Compromised Accounts

Some account restrictions led Chime’s clients to believe their accounts were compromised. According to complaints, there were suspicious activities with their accounts prompting the restrictions. Some who had reviewed their account activities had suspicions there were also charges in the past that they were unsure of and had never given some thought until the incident. 

Illegally Collection of Stimulus Checks

In some of the complaints against Chime, clients had their stimulus checks taken to pay for previous debts. This practice is opposed to some legislations in certain states barring debt collectors and even banks from cashing in stimulus checks. This unethical conduct has left Chime’s consumers piling with bills and needs requiring immediate attention. 

Poor Refund Processing 

Relating to the account freeze, many of Chime’s customers have requested to close their accounts worrying for their safety. Chime apparently has been inefficient in processing refunds taking time way beyond their timeframes. This has led to many people going behind their necessities. 

Lousy Customer Service

With over 4,000 complaints in BBB alone, Chime’s customer service has no doubt failed clients in many ways. Most notably with their unhelpful and long-drawn account processing and refunding that’s left many consumers without their much-needed money during massive layoffs and incredible financial distress. Some have even aired out that if not for BBB’s intervention, their concerns would not have been addressed.

Unfortunately, abrupt account freeze, compromised accounts, illegal collection of stimulus checks, poor refunding, and subpar customer service complaints are just the beginning for Chime. The bank’s customers are left wondering what options they have regarding their consumer rights.

We Fix Complaints When Customer Service Won’t

Has Chime used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Chime to listen?

A lot of Chime Corporation customers aren’t happy with their service and the Better Business Bureau lists 4,204 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.  

If your complaints haven’t been heard, we can help. At Agruss Law Firm, LLC we help customers who have been mistreated by big companies–much like Chime–and we turn your complaints into resolutions!

We’ll not only file your legal demands with Chime, we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Chime contract, which is typically arbitration. 

Agruss Law Firm, LLC gets results–including zero balances, refunds, and other compensation. 

Here’s How to Make Big Companies Listen

It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, but it can also cost you money, time, and leave you with big headaches. 

Have you tried calling Chime to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised. 

When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?

Fortunately, you do have options. 

Use Arbitration to Settle Your Complaint

Most companies like Chime have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third-party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Chime will have to do a lot of work and there is no guarantee that they will have a successful outcome. 

Arbitration is Fast, Inexpensive, and Private

Arbitration with Chime is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:

  • The process is fundamentally fair – All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
  • You get access to all relevant information – This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
  • Transparency – AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
  • Just process – Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision. 
  • Alternative to arbitration – Mediation and the ability to take the case to small claims court should be available in some cases.

Arbitration Gives you Control and Leverage

When Chime is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands. 

If Chime doesn’t meet those demands and you have a real complaint, Agruss Law Firm, LLC can help by representing you in arbitration where you will get a fair, just, and transparent hearing.

Control and Leverage Triggers Faster Settlements

Large companies like Chime don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration. 

The first step in taking on Chime is to formally raise your complaint. The lawyers at Agruss Law Firm, LLC can help you to do so. We will send a letter of demands to the corporate offices of Chime, letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Chime. 

Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Chime doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. Agruss Law Firm, LLC will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process. 

UDAAP and Arbitration

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.

Every state has UDAAP laws, which can vary widely. However, the lawyers at Agruss Law Firm, LLC understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.

If you’re dealing with an issue with Chime, you might try filing a complaint with the BBB or the customer service team with Chime. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case. 

Arbitration is a very useful tool for resolving disputes, and Agruss Law Firm, LLC can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.

How Do I File a Complaint Against Chime?

We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you. UDAAP laws include misrepresentation, deception, false advertising, or false promises. Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages.  Plus, the other side will pay our fees and costs.  You will not pay us a penny.  These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

People, First

We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Agruss Law Firm, we put People, First.

Share Your Complaints Below Against Chime

We encourage you to post your complaints about Chime. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company. Sharing your experience may help someone else!

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

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Submitted Comments

6 days ago
I suspect Chime Bank of providing false bank statements and charging. hidden fees. They are also not adding money bank to the bank balance when a pending transaction is settled. For example yesterday my starting balance was -89.14 and had a pending transaction of 59.55 the transaction settled for $59.44 and the 0.11 was not added back to my account… my account balance still -89.14. There are also monthly computation errors.
3 weeks ago
1 had an account with chime and someone stole money from my account and I reported the transactions which opened a dispute on my account on March 5th 2023. Today March 9th chime closed my account claiming because I failed to comply with the deposit account agreement which is a complete lie. They still have made any progress on my disputes and also closed my account without any heads up so I could atleast remove my remaining funds before they closed my account. When I call they just keep giving me the run around about my account
3 weeks ago
I deposited a check with chime and the funds were not on my account and when I canceled the mobile deposit and tried to deposit the check somewhere else my insurance told me chime had already cashed my check before I even canceled my check deposit with them
3 weeks ago
My debt card was lost and used in a different state they deny my claim in less than 4 hours the frist time this happen last year June 7 since then I have submitted my location history I’d that day my work history and my next bank accounts history showing I was in Florida at time and they still have bin deny my claim over 6 times now and I was told by a agent that chime had a history of agents taking advantage of the system so they removed the button to release the claim money it’s way more but this is short and simple
1 month ago
Someone stole my card was able to transfer 6000 Dollars out of my account plus change my info on my account now they are giving me a runaround 3 months
2 months ago
Chime has been reporting to the credit bureau that I owe them money whilst having a clear account . 4 months the issue has persisted . 4 months I\'ve reported it . Sent emails . Made complaints . Currently on the phone with them
3 months ago
I just had my car repossessed when I went to make my two missed payments. I put $4000 down on October 28, I called the dealership and they told me to come there to make the two missed payments. When I did, they took my car. They told me to call the bank in the morning and they may or may not take the payments. The United Auto Credit financing sold the loan back to them on December 29, 2022. They lied when they said I could make the payments. I have the money. I need assistance asap please.
3 months ago
Hello, this company took my funds and refused to release them. I have been disrespected by the representatives and this company has discriminated against me viscously. I am preparing to tell my kids there isn\'t a Santa clause because this company is still holding my funds illegally and not issuing my refund check to my correct address or re-enabling my account. I will be having stride bank investigated for allowing this irresponsible company to distribute off their platform. I have contacted the authorities, filed a police report and will be seeking arbitration. This has cause my diabetes to eat me alive by me not having my medication but justice will be served. This company took my $8,341.04 and gave me no response about my funds even after I sent the requested document and I see that I\'m not the only one because there are tons of complaints. I\'ve lost over $20,000 in property due to this company neglect.
4 months ago
I opened an account with Chime, it is shut down, they are still reporting to experian and possibly the other credit agencies my account is open, when it is closed. Disappointing because I rely on experian to accurately do their job.
4 months ago
Hi, My name is Thomas and I have filed multiple unsuccessful disputes with Chime. I was charged for a payment that was said to have been declined. Afterwards, I placed a replacement order to the same merchant. Because I was charged for both orders, I issued a chargeback dispute. As I was working out the details with the merchant, I canceled the chargeback claim and received a refund from the merchant. However, the merchant was charged back for both payments, and I have only received money for one of the refunds. The merchant has contacted Paypal which has confirmed that both charges were sent to Chime, and Chime disputes that I have received both payments despite my account only receiving one of the payments. Additionally, I have lost approximately $100 due to the exchange rate (payment/refund was in CAD) and how long it took Chime to process the first refund. I have asked Chime to provide me the documents that led them to their decision, but I would like to know how to proceed with an arbitration hearing because I do not think Chime will pay me the money for the second refund. Thomas