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Chime Inc. Consumer Complaints

Chime Inc. has received 260 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.

Data last updated: Apr 16, 2026

Key Takeaways

  • 260 total complaints on file with the CFPB.
  • Most complaints are about Money transfer, virtual currency, or money service (254).
  • Timely response rate: 84.6%.
  • Consumer disputed rate: 0.0% of resolved complaints.
260 Total complaints
84.6% Timely response rate
0.0% Consumer disputed rate
Money transfer, virtual currency, or money service Most common product

Complaints by Product

The following table shows how complaints against Chime Inc. break down by financial product category.

Product Complaints % of Total
Money transfer, virtual currency, or money service 254 97.7%
Checking or savings account 5 1.9%
Credit card 1 0.4%

Most Common Issues

These are the specific issues consumers most frequently report about Chime Inc..

Other transaction problem 90
Money was not available when promised 83
Fraud or scam 43
Unauthorized transactions or other transaction problem 10
Other service problem 8
Confusing or missing disclosures 5
Problem with a lender or other company charging your account 4
Wrong amount charged or received 4
Trouble accessing funds in your mobile or digital wallet 3
Unexpected or other fees 3

Company Response Breakdown

When consumers file complaints, Chime Inc. responds in one of several ways. The breakdown below shows how Chime Inc. has resolved complaints.

Response Count Percentage
Closed with explanation 172 66.2%
Closed with monetary relief 83 31.9%
Closed with non-monetary relief 5 1.9%

Complaints by State

Top states where consumers have filed complaints against Chime Inc..

State Complaints
California 29
Texas 24
New York 22
Massachusetts 18
Maryland 17
Georgia 16
Florida 15
Illinois 13
New Jersey 13
Pennsylvania 9
Ohio 6
Minnesota 5
Nevada 5
Virginia 5
Washington 5
Delaware 4
Iowa 4
North Carolina 4
Colorado 3
Missouri 3

Your Rights

What to do if you have a complaint against Chime Inc.

  1. Contact Chime Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
  2. File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
  3. File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
  4. Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.

Frequently Asked Questions

  • How many complaints does Chime Inc. have?

    Chime Inc. has 260 consumer complaints on file with the CFPB as of our last data refresh.

  • What is the most common complaint about Chime Inc.?

    The most common issue reported is Other transaction problem with 90 complaints.

  • How do I file a complaint against Chime Inc.?

    You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.

  • Does Chime Inc. respond to complaints on time?

    Chime Inc. has a 84.6% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.

Legal Disclaimer: FreeNetLaw provides general legal information, not legal advice. The information on this site is not a substitute for consultation with a licensed attorney. Laws vary by jurisdiction and change frequently. Always verify information with official sources and consult a qualified attorney for advice about your specific situation.

Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.