Payment company · complaint record
Is Chime legit?
Filed under Chime Inc.
Chime is a real payment company with a public complaint record: 260 complaints since 2018, though none recently. It answered 87.5% on time and closed 0% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Rated once a company has 25+ complaints in 12 months. How it works
What the record shows
Good signs
- Complaints falling-69% in the last 12 months against the year before.
Red flags
- Slow to answerOnly 87.5% of complaints answered on time.
- Many complaints mention fraud or scams43 complaints (17%) are about fraud or scams - often scammers using the company, not the company itself.
From the complaint record only. A company can be legitimate and still not be right for you; a company with few complaints may simply be small.
- Complaints on record
- 260
- Last 12 months
- 24
- Answered on time
- 87.5%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #22 of 72
Since July 2018
-69% vs the year before
Industry: 98.1%
Typical payment company: 16%
Newest: Mar 4, 2026
Most complained-about payment apps & money transfer services
How to check Chime yourself
- Use contact details you found yourself. Go to the company's own website or the number on your card or statement - never a number or link from a text, email or caller.
- Check its licence. Lenders, servicers and money transmitters are usually licensed by the states - search NMLS Consumer Access and your state's financial regulator.
- Read the latest complaints. Look for the same problem again and again in the complaint log, and at how they were answered.
- Read people's own experiences. See what others say about Chime, and add yours.
- Get everything in writing before you pay, sign or share anything.
More: how to check if a company is legit · how to spot financial scams
Your rights with payment apps & money transfer services
For international transfers the Remittance Rule gives you 180 days to report an error and a right to cancel within 30 minutes in most cases. Payment apps that hold money in an account are generally covered by Regulation E for unauthorized transfers - report them quickly and in writing. Payments you authorized yourself, even to a scammer, are much harder to get back.
General information, not legal advice; rules vary by state. Plain-English guides
Experiences with Chime
AllHave you dealt with Chime? Tell people whether it was legit in your experience.
Share yoursQuestions people ask
Is Chime a real company?
Chime is a real payment company with a public complaint record: 260 complaints since 2018, though none recently. It answered 87.5% on time and closed 0% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Is Chime a scam?
Its record shows a real payment company that answers complaints through the official process (87.5% on time). Scammers often pretend to be well-known companies, though: if someone contacts you claiming to be Chime, hang up or delete the message and contact the company using details you found yourself. Never send money to someone you only know online, to "yourself" at someone else's request, or to fix a problem with an account. Payment apps work like cash: once it's sent, it is usually gone.
Can I trust Chime?
Look at the trend and the answers rather than the total: Chime closed 0% of complaints with relief and complaints are falling. Read the experiences from people like you.
What should I do if Chime won't fix my problem?
Put it in writing to the company, keep copies, then file an official complaint - companies must answer. See what to do if a company ignores your complaint.
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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