Bank · complaint record
Chime complaints
Filed under Chime Financial Inc
Consumers have filed 30,452 complaints about Chime since 2020, 12,313 of them in the last 12 months (+68% on the year before). It answered 99.9% on time and closed 8% with relief for the customer - less often than a typical bank. The most common problem is managing an account. It is the 4th most complained-about of 188 banks & credit unions this year.
Average response record. How it works
- Complaints on record
- 30,452
- Last 12 months
- 12,313
- Answered on time
- 99.9%
- Closed with relief
- 8%
- Last 30 days
- 765
- Rank
- #4 of 188
Since April 2020
+68% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Nov 7, 2026
Most complained-about banks & credit unions
Chime complaints by month
The busiest month was October 2025 (1,513 complaints). Complaints in the last 12 months are up 68% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Chime answered last 12 months
- Closed with monetary relief6625.4%
- Closed with non-monetary relief2001.6%
- Closed with explanation10,15282.4%
- In progress1,29910.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/4599.9% on time
- Relief for customers8/407.8% closed with relief
- Complaint trend3/15+68% vs last year
What Chime complaints are about
Top Chime problems last 12 months
Inside "Managing an account"
- Problem using a debit or ATM card 4,481
- Deposits and withdrawals 2,632
- Funds not handled or disbursed as instructed 1,598
- Banking errors 952
- Problem accessing account 819
- Problem making or receiving payments 652
Where Chime complaints come from
Most complaints: California (2,841), Texas (2,722), Florida (2,216), Georgia (1,779), New York (1,686).
Chime compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | JPMorgan ChaseBank accounts | 70 | 26,645 | B |
| 2 | Bank of AmericaBank accounts | 81 | 24,372 | A |
| 3 | Wells FargoBank accounts | 76 | 22,848 | B |
| 4 | ChimeBank accounts | 56 | 12,313 | C |
| 5 | Navy Federal Credit UnionBank accounts | 96 | 10,588 | A |
| 6 | U.S. BankBank accounts | 83 | 7,023 | A |
| 7 | TruistBank accounts | 63 | 5,854 | C |
| 8 | PNC BankBank accounts | 63 | 3,893 | C |
Compare side by side: Chime vs JPMorgan Chase · Chime vs Bank of America · Chime vs Wells Fargo · Chime vs Navy Federal Credit Union
What people say about Chime
All experiencesNo experiences with Chime yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Chime complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 7, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Nov 7, 2026 | Money transfers & apps | Fraud or scam | Explained |
| Nov 7, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Nov 6, 2026 | Money transfers & apps | Unauthorized transactions or other transaction problem | Explained |
| Nov 6, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Nov 6, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Nov 6, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Nov 6, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Nov 6, 2026 | Bank accounts | Managing an accountProblem accessing account | Explained |
| Nov 6, 2026 | Bank accounts | Managing an accountBanking errors | Explained |
| Nov 6, 2026 | Bank accounts | Problem with a lender or other company charging your accountMoney was taken from your account on the wrong day or for the wrong amount | Explained |
| Nov 5, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
Questions about Chime
How many complaints does Chime have?
Chime has 30,452 complaints on record since April 2020, including 12,313 in the last 12 months and 765 in the last 30 days. That makes it number 18 of every company by complaints this year.
Does Chime respond to complaints?
Yes. Chime answered 99.9% of its complaints on time (within 15 days) and closed 8% with relief - money back or a fix; 6% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 56/100 (grade C).
What do people complain about most with Chime?
The most common problems are managing an account (11,315), problem with a lender or other company charging your account (4,755), closing an account (2,935).
Is Chime legit?
Chime is a real company with a public complaint record: consumers have complained about it 30,452 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Chime legit? for the signals, red flags and how to protect yourself.
Are complaints about Chime going up or down?
Up. There were 12,313 complaints in the last 12 months against 7,319 in the 12 before (+68%). See every month.
How do I file a complaint against Chime?
Complain to Chime in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Chime complaints come from?
Most come from California (2,841), Texas (2,722), Florida (2,216). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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