Chime

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.

THE BEST PART IS…

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

https://www.chime.com/ 

+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.

Submitted Complaints

Chime has denie my dispute multiple times after I had unauthorized charges on my account

Michael Agruss Headshot

Hi Raymond. I'm sorry to hear that you're dealing with the continued problems that Chime is creating for its customers. As you can see from my own website, this is very common and Chime is not being as upfront as it should be, which is not good practice when it involves customers money. I would be happy to speak with you about your dispute with Chime and I will give you a call. Thanks, Mike

I received a text stating if I authorize a transaction or not. I didn’t do I texted back N for no. I received a call right after from a man saying he was from chime. Since the text had the last 4 of my card I believed it. He asked me for a a few codes that were sent to my phone. At the time I didn’t realize he was actually linking my bank with us. He transferred $4500 from my savings to my checking. From that he transferred $2630 to an online bank by the name of TD bank, which when I looked it up was located in Georgia, just like the notification that showed someone logged in from Atlanta Georgia. The other $2000 was transferred to a also chime User by the name of Theion K. Which I absolutely do not know. There was a comment attached to the transfer saying Happy Birthday. Chime retuned the $2630 but not the $2000. They stated bo error occurred even after disputing the account twice with proof. I spoke to a supervisor the same one twice one two different occasions and was not helpful. He didn’t have authority to do anything helpful.

Michael Agruss Headshot

Hi Meledy. Chime has more and more complaints against them as time goes on, so your story doesn't surprise me. In fact, it sounds like so many others I'm hearing from consumers who are struggling to access their hard-earned money when using Chime. It sounds like your situation is complex and I would be happy to speak with you about it in more detail when I give you a call. I will be in touch, but you can always reach me sooner at 888 572 0176. Thanks, Mike

This is the email I sent support as the floor manager told me to do because noone above him feilds calls. I've spoke with 7 people and all did nothing more than tell me there's a serious problem with your policy and even worse your company's error has no way to be fixed. I was sending my son money to help pay his rent as he's away at college. I considered transferring it to varo then to his varo account but it would take 1-4 days. I ready the pay anyone ad chime puts out and thought it to be perfect being he had to pay his part of the rent today or move out. I entered his phone number thinking he would get a text and enter his debit card to receive the money. My mistake thinking things work as they should. Instead yes the prompts all showed I was sending it to my son's number instead only after it was complete it showed it went into someone else's account. Spoke with a bunch of people that could only tell me a dispute is filed and after the investigation I may get the money back. I didn't authorize it sent to anyone's account I sent it to my son's number. Phone numbers are recycled it doesn't matter if someone had it linked to their account previously. I sent it to my son's phone not a random person's account and noone could fix it. One day I went to the ATM and there was 27000$+ in my account..guess what an hour later it was gone because it wasn't supposed to be there so they fixed it. They didn't tell me oh I'm sorry we screwed up but hey you might get it back in a month and a half later. This wasn't my mistake but it's costing my son having to move. It's unacceptable. I didn't authorize that transaction and sorry it's but it's your problem also is unacceptable. I will be speaking with an attorney as soon as I get done with this email. Especially since my son is having to suffer the embarrassment of getting kicked out of his apartment and will effectively be homeless until I can figure out how to get not 200 but now a deposit and first/last rent up and to him. Thank you chime your such a big help! So glad I chose you over a traditional bank! I'll be rectafying that poor error in judgment. Gregory

Michael Agruss Headshot

Hi Gregory. Chime has had so many complaints against them and yet they continue to provide poor customer service. This isn't just a money issue, as you know, but can be life-altering and even an emergency in some situations. I would be happy to speak with you about your situation with Chime and your son and I will be in touch to discuss what options you have. Thanks, Mike

Case Description Chime has robbed me for $5009.75 leaving my kids and homeless and hungry and starving to death. It’s been almost two months and still they haven’t given me my money I can’t take it no more

Michael Agruss Headshot

Hello Rachelle. I'm so sorry to hear that Chime has taken your hard-earned money and put you and your children in a very bad situation. I would love to speak with you, please reach out to me at 888 572 0176 so we can see how to get this resolved in a favorable way for you and your family. Thanks, Mike

To Whom It May Concern: My name is Dominique Suber, and I have been banking with chime since May 2019, just this year I have been starting to have problems with chime due to my account being hacked into and someone changing the email and phone number I have on file, this has been going on since January and it never clicked in my head to stop letting my direct deposit go in there. On April 25th 2022 I received multiple security codes, which tells me someone was trying to get into my account and change the email and phone number. I immediately got on chime chat because I was at work and couldn’t call to let customer support know someone was trying to get into my account. I was very paranoid because my direct deposit of 3800 had just posted, this payment comes in every month from the military around the 25th or 26th. Customer support replied back to me telling me my account was secure and I had nothing to worrying about. Once I got off I paid two bills in the amount of 52.37 twice and transferred 1000 to my Citi bank account. An hour later I tried to log into my account and couldn’t I got a message saying invalid login, so I called Chime to let them know someone has change my banking login information. Customer support locked my account up and said I would have to send in my ID front and back, a selfie, piece of paper with my name and today’s date, remind you I have been sending my ID and Selfie for the last 3 months. I got so tired of sending that information, after I told the bank over and over again my number or email would never change but they kept letting someone, in which I think someone working in the inside of the bank changed it. Now my account is locked up until the review department identifies me. On the 26th I received an email stating that my account was back active after I sent several emails in which I proof on, when will I have access to my account because I was already a day behind on my bills due to it being locked up on the 25th. When customer support said it was active, it wasn’t I had to send another email letting them know I still couldn’t login. While I couldn’t login the hackers did, and took over 2500 from me. I knew they took all my money the moment my account was back active, I got an alert to my email saying SPOTME covered a purchase. Once I was able to look at the account I sent chat messages and called letting everyone know my account was hacked and all my money was gone. I have never in my life put nothing into the savings account the hackers did a transfer to savings then transferred it right back to checking. I would never do that. I have the same cycle and pay the same bills every month that money hits my account. It’s really unfair how chime denied all my disputes, knowing I couldn’t have made those charges. Chime didn’t do a full investigation at all, I had my debt card on me no one knows my information besides the hackers and the employees that work for chime. One of those transactions was overseas, I stay in Texas. All 8 of those transactions were unauthorized and the proof is in your system and recordings. You all knew a day before someone changed my information and my account had to be locked down, on top of this has been going on for the past 3 months. I just want my money back that my husband worked hard for serving his country. Disputes 1. Apple.com - 54.95 2. Haipi Electronic Commerc -2473.96 3. Txtvrfy- 50.00 I have filed a police report and my case#

Michael Agruss Headshot

Hi Dominique. You were wise to start contact with the police if you suspect that your identity has been compromised and your bank account is being affected. Chime has been receiving many complaints for very similar stories to yours and unfortunately, more and more consumers are losing access to the money they worked so hard for. I would like to talk this over with you in more detail and I will be in touch to discuss your options and rights. If you need to reach me sooner, you can contact me at 888 572 0176. Thanks, Mike

I've already given your company a clear and detailed explanation for the reasons behind my claim as well as per our disability direct deposit arrangement have at any time a right to file a claim for any reason within the first seven two hours Please see to it that your pay close attention to persons with disabilities while looking at any of my account claims and not as a service for your chime card holders remember That this wasn't my choice that I suffer from disabilities as well have this type of account with your company as I will absolutely be demanding that my rights be reserved for this type of financing arrangement it actually surprises me how fast your company forgets that important factor please take a moment and look at your company own bylines for person whom suffer fromen disabilities as you have Denied me of my rights reserved for those who suffer from disabilities as such I'm going to make it my goal here to protect mine

Michael Agruss Headshot

Hi Jonathan. I'm sorry to hear that your rights have been violated as a disabled person by Chime. My office does not represent Chime, but instead we represent consumers like you who are dealing with issues regarding their credit. If you would like to speak with me about what options you have with regard to your Chime account, you can contact me at 888 572 0176 or [email protected] Thank you! Mike

I’ve notified chime about hackers getting into my account, hackers took over 2500 dollars out my account and chime denied my disputes. These transactions were made in china I stay in Texas. I need major help on getting my money back.

Michael Agruss Headshot

Hi Dominique. It definitely sounds like you could use some help in dealing with your Chime account being hacked. Give me a call at my office and we can discuss how to help. Thanks, Mike

Fraudulent email was sent to me from a party claiming to be chime saying there was a lock on my account, I submitted my documents for review only later to find out that it was a fake email which led to my account being compromised and unauthorized purchases totaling almost $3000.00 being made on my account. It is very obvious as to what transpired and Chime even sent me emails that were legit stating that suspicious activity was observed on my credit builder and shut it down after the money was gone and they refuse to return my money even though they have a zero tolerance towards unauthorized purchases with Visa.

Michael Agruss Headshot

Hi Brian. I'm sorry to hear that your account was compromised, this is definitely a very big blow when it happens. Have you filed a complaint with your local authorities and alerted the credit reporting services? If you would like assistance with this, give me a call and we can help. Thanks, Mike

I have been a chime customer for about 5 yrs always have had my employer deposit my paycheck via direct deposit every pay period. I have never owed chime bank any money for anything. Back in June 2021 I was approved and awarded $21,000.00 in arrears emergency rental assistance by the state of Ca. That money was directly deposited into my chime checking acct with no problem then in November 2021 I was awarded another $13,300.00 for current and future rent by the same Government program except this time I was issued a check payable to me. I attempted to deposit it in my account and first it said accepted and that my funds would be available on such day (2 days later) on the morning of the day my funds were supposed to be available my balance read 0 I called the bank and asked what was going on and they said that my check was denied due to verbiage on the check that was not verifiable. I told them I didnt understand if there is a number to verify the funds right in front of the check in bold letters and I also mentioned that it was the same government agency that previously deposited the $21,000 months earlier. I was told that there was nothing they can do and that I needed to cash it somewhere else. I was furious it didnt make sense I do all my financial business with them for the last 5yrs. They put me on hold and returned to the call and started questioning me about the check. Where I got it? Why was it so much? Why it was issued in that form? I said there was the number why dont they call and verify the check. I was told this " we think the check is fraudulent its a very high amount " es[

Michael Agruss Headshot

Hi Ramona. Chime has many complaints against them for this same type of behavior. They claim it is to prevent fraudulent deposits that they say have been happening. Unfortunately, this is also something that is making it difficult, if not impossible, for law-abiding consumers to access their much-needed money. I can certainly understand your frustration and I would also be very unpleased if this was my account. Let's talk more about your situation--give me a call at 888 572 0176 and we can chat. Thanks, Mike

My name is Bilisha and I’ve been trying to get my money back from chime. For about 20 days now. I made a transfer from chime to my bank account like I did before. This time it didn’t send I never got emails about why it hasn’t I contacted them plenty times about it a few people lied to me then I spoke with someone and they told it was the clear the 289 dollars was never posted to my bank account but yet they still denied my claims and never told me they denied it I had to call and find out. No communication what so ever! So I was wondering if it is anything I can do about it. Thank you

Michael Agruss Headshot

Hi Bilisha. Chime is suffering a lot of complaints against them for this same behavior as well as fraudulent transactions, accounts closed without warning, and accounts opened without the customer's knowledge. While Chime states they are doing these things to combat fraudulent deposits, it doesn't help the legitimate customers who now can't access their money. I would be happy to speak with you about your Chime account and we can discuss your options. Give me a call at 888 572 0176 and I will also be in touch. Thanks, Mike

I filed a dispute and it was approved April 18 2022. Funds were never posted to my account though so I called chime they escalated the case and was told to wait 24-48 hrs from the 18th. Here it is now the 22nd and I’ve yet to receive an update or my money. I called everyday since the 18th and have been told the same thing.

Michael Agruss Headshot

Hi Katlin. Unfortunately, Chime has many complaints similar to yours and it is very frustrating when you can't reach your money. If you would like help in getting to the bottom of your case with Chime, reach out to my office and we can talk about your options. Thanks, Mike

I just submitted a complaint but I forgot to put that I have tried to dispute my account several times but they will not give me the time or day I have called so many times I have all the emails from them and to them. I was incarcerated while someone stole my money and I really needed it and I submitted the document stating I was incarcerated.

Michael Agruss Headshot

Hi Amy. I will be in touch to discuss your issues with your Chime account while you were incarcerated. You can also contact me sooner at 888 572 0176. Thanks, Mike

I was incarcerated from August 12, 2021 to January 31,2022 and on August 24,2021 my unemployment hit my account which was almost $8000,00. After I was arrested someone stole all my belongings and spent all my unemployment money. I have reached out to chime so many times and have gotten no where with them. I have sent them all the documents stating I was incarcerated. After getting out of jail it was hard to get into my account because I no longer had my phone nor the same number to access it and I tried emailing chime to get into my account and then they locked my account for 3 weeks almost. I really needed my unemployment money. I truly feel like they are discriminating against me because I was incarcerated. You may contact me at 239-300-1944

Michael Agruss Headshot

Hi Amy. Thanks for sharing your story. I will be in touch to discuss your issues with your Chime account while you were incarcerated. You can also contact me sooner at 888 572 0176. Thanks, Mike

Denial of unauthorized claim even after police report. Now asking for information that’s impossible to get

Michael Agruss Headshot

Hi Thomas. What information is Chime requesting from you? Do you have a copy of your police report and denial letter for your claim? If so, please email them to me at [email protected] I will look them over and then contact you to discuss your options. Thanks, Mike

Chime has yet to resolve my disputes due to claim department not approving. No results were given by any explanation other then deny. I have had my card stolen and they only issued new card. My account is now overdrawn and they expect me to be responsible for all charges.

Michael Agruss Headshot

Hi Stephanie. I'm sorry that you're dealing with this situation, especially when you're not to blame for the charges on your account. This is a common complaint and I can understand your frustration. Let's chat about the claim you have against Chime and determine what options you have in dealing with them. I will reach out to you but please feel free to contact me at 888 572 0176 at a convenient time for you. Thanks, Mike

Chime doesnt want to refund me my money after unauthorized transactions

Michael Agruss Headshot

Hi Anaya. Chime has many complaints against them for this exact situation and it's definitely frustrating and upsetting. However, you likely have some options and we can discuss this further when I give you a call. Thanks, Mike

Chime has closed my bank going on a year now for going out of town. I currently had over $4000 in my account provided them with every piece of documentation they asked for and they still wont relwase my funds. I really need belp. I didnt thi k i would have to get lawyers involved

Michael Agruss Headshot

Hi Chauncey. Chime closed your account because you went out of town? That sounds a bit ridiculous and I would be livid if I had money in my account that I couldn't get access to. Did they inform you as to why you needed to jump through hoops just to get your money? Let's talk more about this--give me a call at 888 572 0176. Thanks, Mike

I filed 2 dispute with chime on JULY 27,2021 one was approved for 400.00 and the other was denied for 2,178.80. However I send all the information for a rebuttal until August 8,2021. Before they could issue me a credit they denied my claim on August 9,2021. I have been rebuttal them until August all of a sudden they accept my information told me it would take 45 days. Today I got an email saying they made a resolution and denied my claim. I provided a police report Da 31 form, housing,Les, email from my drill sergeants, hotel receipt where I stay even my housing agreement I signed. Still won’t give me my money back and messed my account up put me a -399.00. All this suffering and damage that put on me.

Michael Agruss Headshot

Hi Erika. I'm sorry to hear that you're dealing with damages from dealing with Chime. Do you have the denial forms that you were sent from them? If so, you can send it to me at [email protected] I will review it and give you a call to discuss how to deal with this situation most effectively. Thanks, Mike

I been waiting 8 months to get my money they denied one of my claims and approved the other one. Then awhile ago reverse it from my account making my balance a -399.00. I have documentation like police report, all evidence stating when I got back from the field. 2,178.80 gone. They are scammers.

Michael Agruss Headshot

Hi again, Erika. Thanks for sharing your story and I will be in touch. Thanks, Mike

They did not investigate my legitimate fraud claims which were submitted with supporting documentation, they simply bulk declined them and stated no error occurred. I requested proof of their investigation, at least 10 times. All went ignored. They also do not issue provisional credits when investigations take 90 days or more. I also have instances where they demanded that I send them receipts when merchant issued me credit. They held the funds for two weeks to a month and several occasions! They even threaten to decline the credit because I had done an exchange on one transaction transaction and it didn’t match the dollar amount debited from the account exactly!

Michael Agruss Headshot

Hello January. It sounds like you're dealing with a very frustrating situation with your Chime account. I can definitely understand being upset, especially when you have the proof about your account being a victim of fraud. You can send over to my office your proof of fraud to [email protected] and I can look it over, then give you a call to discuss what you may be able to do in dealing with Chime. Thanks, Mike

Stealing. Paraphrasing their responses, no

Michael Agruss Headshot

Hi Camilla. I would be happy to speak with you about your issues with Chime and I would like to get some further information from you about the stealing and poor responses when questioned about it. I will give you a call, but you can also reach my office sooner at 888 572 0176. Thanks so much, Mike.

Stealing. Paraphrasing their responses, no

Michael Agruss Headshot

Hi Camilla. I would be happy to speak with you about your issues with Chime and I would like to get some further information from you about the stealing and poor responses when questioned about it. I will give you a call, but you can also reach my office sooner at 888 572 0176. Thanks so much, Mike.

Chime closed my account and stole my money

Michael Agruss Headshot

Hi Denazsa. Let's talk about your Chime account that was closed and had your money stolen. Give me a call and we can have a free, no-obligation consultation to determine your options. Thanks, Mike

I got scammed and chime is refusing my dispute with proof

Michael Agruss Headshot

Hi Princess. What type of proof do you have and can you send it over to my office at [email protected]? I would be happy to review it and contact you about your options in dealing with Chime. Thanks, Mike

Chime suspended my 26k account 8 months ago. I have provided all the request documents numerous times and I absolutely can not get any answers from anyone in the company. I have been “escalated” numerous times as well. Still nothing.

Michael Agruss Headshot

Hello Derick. Unfortunately, Chime is notorious for this type of behavior and it is beyond frustrating, especially when you've escalated the claim and you still get nowhere. I am going to give you a call to discuss your situation further and see if we can help you to get this resolved quickly and fairly. Thanks, Mike

I have extensive notes and deceptive practices of chime being made aware of my litigation intentions and highly and grossly sabbataging my efforts.

Michael Agruss Headshot

Hi Jonathan. I would be happy to look over your notes about the sabotage you feel that Chime is causing to your litigation efforts. Give me a call at 888 572 0176 and you can send your notes over to me at [email protected] We can have a free, no-obligation consultation and I look forward to hearing from you. Thanks, Mike

I had $1200 stolen from my account. However, I still had the card and i filed a dispute which was closed in 24 hours. They did not even investigate. They did not get atm footage and refuse to return my money or give me an arbitrator

Michael Agruss Headshot

Hi Michelle. This definitely sounds like a frustrating situation and one I would be happy to discuss with you to determine what your options may be. I will reach out to you soon or you can contact my office at 888 572 0176 at your earliest convenience. Thanks, Mike

Basically chime has tried to stop me from receiving my provisional credit from my dispute I placed for 113 transactions. On the 9th day chime closer my dispute as completed and consider all transactions that took place were no error. ( I have provided written proof that I was in mental Facility during the transactions in question. I also provided a police report as the perps who did this are individual who was working for the facility I was admitted in due to them having my belongings (phone, walllet etc during my time there) however, chime denied and completed my dispute unlawfully, unprofessionally and unethically. Chime did not at the time of closure contact any merchants in question (as Ihave been dealing with them already) chime also did not (if they did contact merchants) wait for a merchant to respond to an error or no error transaction confirmation which will determine which disputes are valid and what disputes are not. (I have mention this to chime individuals multiple times) Here is where We have an issue i Justin Mack ask chime for my provisonal credit (you ask why do I ask for that when this is a rebuttals) Simply in order for this to be a rebuttals my original dispute needed to be completed correctly (contacting merchants, awaiting the 45 days they have to reply if not sooner to determine the authenticity of the transactions.) Thai did not occur with chime on august 3rd so the dispute was never completed to be denied. (This is why I ask for my provisonal credit) also, the dispute is 113 transactions and ironically it was completed the day before the provisional credit is allowed. This brings me down to this it’s not just 100-300 dollars it’s over 11,000 dollars this has affected not only my household but my ability to maintain my self awareness abs mental health along with me taking care of my kids. ( 6 months prior my kids mother died. A month before mt mental health issue my mother died) so all I’ve been asking and begging for is help to maintain and I get nothing no one wants to assist me like where is the customer service? However today has been the day at 1119 I get an email responding back to mt email stating “they are working on my claim and that visa has up to 44 days to respond this is a lot of information abs we want to look through it correctly as the Merciant wants todo the same” I know right but just a few days ago you denied my claim in 9 days but today you saying that the merchant has this much time abs have not realized back to my claims status yet (but you denied my dispute how so?) So after I speak with Veronica a supervisor she says basically is really rude cutting me off speaking over me has no respect for me or for my situation or the fact that my kids are literally sitting here watch me cry and yell and they suffer from being hungry. At this point I hung the phone up on her rude disrespectful ass now it’s 1140ish and I recd emails from dispute dept staring my redispute also has been declined Now not only are you being shady now you’ve become malicious and vindictive. At this point I need help

Michael Agruss Headshot

Hi Justin. It does sound like you can use some help in dealing with Chime and the fraudulent charges to your account when you were hospitalized. You also seem to be dealing with some harassment and behaviors from Chime representatives that is not legally permitted. I would be happy to speak with you about this and see how we can help. I will give you a call or you can reach my office at 888 572 0176. You can also send over any correspondences you've received from them to my office at [email protected] I look forward to speaking with you. Thanks, Mike

Chime denied a claim I filed and I have more than enough proof that my money was stolen and they won’t give it back.

Michael Agruss Headshot

Hi Natalie. I'm sorry that you're dealing with theft of your money with Chime. I would be happy to speak with you about the proof you have that the money was stolen and we can then determine what options you have in getting your money back. I will give you a call. Thanks, Mike

Chime has failed to protect my consumer rights for poor goods and services

Michael Agruss Headshot

Hi Joy. Let's talk about how Chime failed to protect your rights--give me a call and we can have a free, no-obligation consultation. Thanks, Mike

Chime closed my bank acct after they asked for a W9 and I sent it with the envelope they provided. The envelope returned to me 12/31 saying “Business Reply Permit Cancelled”. Basically no stamp was paid. They closed my acct 12/13/21 and to this day have no access to my acct, customer service or my money. My money was supposed to be returned three days after the account was closed and we are now on 22 days days in I have have no check. Chime responded to me every 5-8 days and although I have provided all the necessary documents I still have nothing. I was told by Chime that as soon as I sent in the necessary documents my account would be open within five days and because of that promise I never change any of my automatic withdrawals of payment because I thought the account would be open and now I have so many fees for it being returned.

Michael Agruss Headshot

Hi Raquel. This sounds like a very frustrating situation you're dealing with and Chime doesn't seem to want to help. Let's talk more about this and determine your next course of action. Give me a call at 888 572 0176. Thanks, Mike

chime refused to refund 11500$

Michael Agruss Headshot

Hi Jordan. If you are having issues with Chime, I would like to speak with you. I will give you a call to get some more details about your case and we can determine what options you might have. Thanks, Mike

I received a Chime Visa Debit Card that I did not order. After exchanging 21 pages of emails with Chime Customer Support, they will not formally close the account that I never requested or opened. I have filed complaints with the BBB in San Francisco and Delaware. I want to file a lawsuit against Chime for refusing to close the fraudluent account. I have spen countless hours of my vacation time emialing Chimes and they will not formally close the account.

Michael Agruss Headshot

Hi Carla. Have you contacted the authorities to alert them that you could possibly be the victim of identity theft? I would be happy to speak with you about your options in dealing with Chime and the debit card you did not order. 888 572 0176, Give me a call at your earliest convenience. Thanks, Mike

Chime has committed fraud on me by making my dispute and putting wrong transactions with the wrong dates they occured and cost me my provisional credit purposely and they lied to me guaranteeing me money in my account july 21st forcing me to have to sell my car to pay on money borrowed and they will not make right for their agents actions please help

Michael Agruss Headshot

Hi Johnny. Chime has numerous complaints against them and yours sounds like so many I've heard. I would like to speak with you about your case against Chime and we can discuss your options. Thanks, Mike 888 572 0176

Yea I submitted a unauthorized transaction with chime and they denied it bc all the charges were made in my home town but the person who used my card didn't have my permission. And she was arrested with numerous credit cards and social security cards that did not belong to her

Michael Agruss Headshot

Hi Dylan. I would be happy to speak with you about this, give me a call at 888 572 0176. Thanks, Mike

I signed up for Chime Spot me on my debit card/spending account. They state that I set the limit I can overdraft on the chime app. I set my limit at $200.00 at which time I was promised when using a debit card with any merchant if the amount goes over the 200.00 spot me limit the transaction is denied. Deception #1 Transaction on 7/3 600.69 on account. Pending transaction. 7/12 Transaction 7/12 600.69 transaction. Spot me was -192 now shows -771. Have to use chime bot, get an agent, he says due to "pre auth" transaction they can Force the charge so Spot me did not work. I had no pre auth, used debit card, agent states the only advice he can give is to watch pending transactions closer. O real answer as to spot me. I trusted chime to uphold spot me and not allow my account to overdraft past 200.00. Chime promises with spot me, you set your limit and ANY transaction using debit card will decline to keep your account from overdrafting over spot me limit you choose. I've read their legal notice, no where did it say they can force a transaction due to type of transaction as pre auth and not follow their spot me overdraft promise. So my account is sitting at -771 instead of -192 within my spot me limit, they did not uphold their spot me promise to not allow my account to go over 200 spot me limit. Nor can you get any help with customer service using their chime bot, no solutions, ridiculous and stressful. I'm out my entire paycheck when it deposits and nothing left. Where is their spot me promise, and how are they allowed to force payment on a transaction and make that decision? They are not a bank!!

Michael Agruss Headshot

Hi Serena. I would like to speak with you about the overdraft issues on your Chime account and we can discuss your options in dealing with them. I am going to give you a call or you can contact my office at 888 572 0176. We are experienced in dealing with issues with Chime and we can have a free, no-obligation consultation. Thanks, Mike

I am looking for an attorney that is able to help me with arbitration with Chime Bank. Between the dates of February 20, 2021 and June 3, 2021, I was incarcerated. During this time, someone stole my wallet that was left at my home and wiped my checking and savings account with Chime to the tune of $21,047.33. This was my whole life savings. Upon release from the correctional facility, I called the bank to find this out and immediately canceled my card, and disputed all the charges and transfers. I also filed an Identity theft affidavit and contacted the sheriff's department and filed a police report. I submitted all this to Chime Bank to support my claim. Unfortunately, Chime Bank has denied my disputes and I requested documentation that was used to support their denial, and its nonsense to say the least. I also filed complaints with the FDIC, Consumer Financial Protection Bureau, and the States Attorney General's office. It was made clear to them that my cell phone that contained all my banking information was also stolen at the time and this is how they accessed my information. The police did get still pictures of the suspect and have issued a warrant for his arrest. I need help recovering these funds for my family. Please let me know if you are able to help or direct me to someone who can. Thanks,

Michael Agruss Headshot

Hi Brandi. I'm sorry to hear that you had your life savings stolen, I'm sure this is beyond frustrating for you. I know I would be angry, especially if I couldn't get any help in dealing with it. My office will give you a call so we can determine your best course of action. Thanks, Mike

Chime stole my unemployment check and closed my account