--- company: chime title: Chime — how complaints actually go last_verified: 2026-10-13 --- ## In short Start in the Chime app chat or call 1-844-244-6363 (24/7); there is no support at Chime's headquarters. Report an unauthorized transfer within 60 days of the first statement that shows it; Chime must decide within 10 business days or give provisional credit while it takes up to 45 days. Chime and its partner banks can freeze or close an account without notice, and in 2024 the CFPB fined Chime for slow refunds of balances on closed accounts. In the 12 months to June 2026, 7.8% of CFPB complaints about Chime closed with relief. Chime will never ask you to send money through Pay Anyone or to download an app. ## How complaints actually go - Chime support is in the app (Profile, Help, Chat) and by phone at 1-844-244-6363; Chime also answers on X at @ChimeHelps. [Chime: avoid scams that target members](https://www.chime.com/blog/how-to-avoid-scams-that-target-chime-members/) - Chime is a financial technology company, not a bank. Accounts and cards are held at The Bancorp Bank, N.A. or Stride Bank, N.A., and Chime says there is no customer support at its San Francisco headquarters. [Chime: contact us](https://www.chime.com/contact-us/) - For errors on electronic transfers, you can call, use the app or write to Chime Member Services, P.O. Box 417, San Francisco, CA 94104-0417. Chime must hear from you within 60 days after the first statement that shows the error, decide within 10 business days, or provisionally credit you within 10 business days and take up to 45 days (90 days for new accounts, some point-of-sale and foreign transactions). [Chime deposit account agreement (Bancorp)](https://www.chime.com/policies/bancorp/deposit-account-agreement/) - A CFPB complaint goes to Chime for a response, generally within 15 days; some companies give a final response within 60 days. You then have 60 days to give feedback. [CFPB: what happens after you submit a complaint](https://www.consumerfinance.gov/complaint/process/) - Both partner banks are national banks, so the OCC takes complaints about them. The OCC asks you to try the bank first and cannot act as your attorney or seek monetary compensation for you. [OCC HelpWithMyBank: file a complaint](https://www.helpwithmybank.gov/file-a-complaint/index-file-a-complaint.html) ## What tends to work - A CFPB complaint when Chime's own channels fail: in the 12 months to June 2026, 665 of 11,565 complaints (5.8%) closed with monetary relief and 236 (2.0%) with non-monetary relief. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=Chime%20Financial%20Inc&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - If the balance of a closed account has not come back, cite the CFPB's May 2024 order: Chime failed to refund balances within 14 days in thousands of instances, some taking more than 90 days. The order required at least $1.3 million in redress and a $3.25 million penalty. [CFPB enforcement action, May 7, 2024](https://www.consumerfinance.gov/enforcement/actions/chime-financial-inc/) - For an unrecognized transaction, turn off "Allow transactions" under Settings, Account Settings in the app, then contact Chime at once. [Chime: trust and safety](https://www.chime.com/security-and-support/trust-safety/) - Ask for the dates in writing: Chime's agreement sets a 10-business-day decision, or provisional credit within 10 business days, for transfer errors. [Chime deposit account agreement (Bancorp)](https://www.chime.com/policies/bancorp/deposit-account-agreement/) ## Traps and fine print - The agreement says Chime and/or the bank may suspend, freeze, restrict or close your account for any reason with or without notice, and may hold the funds while they review the activity. [Chime deposit account agreement (Bancorp)](https://www.chime.com/policies/bancorp/deposit-account-agreement/) - Disputes go to binding individual arbitration with the American Arbitration Association. The agreement says that if you do not agree, do not activate or use the card or account; the agreement checked shows no opt-out procedure. [Chime deposit account agreement (Bancorp)](https://www.chime.com/policies/bancorp/deposit-account-agreement/) - Provisional credit is not final. If no error is found, the provider can take the credit back after it tells you the date and amount, and must honor checks and preauthorized transfers for five business days after that notice. [CFPB: Regulation E 1005.11](https://www.consumerfinance.gov/rules-policy/regulations/1005/11/) ## By the numbers - CFPB complaints received July 1, 2025 to June 30, 2026 for "Chime Financial Inc": 11,565. Top products: checking or savings 7,477, money transfer or money service 2,153, credit card 928, credit reporting 528, prepaid card 209. Top issues: managing an account 4,025, a company charging your account 1,973, closing an account 842, fraud or scam 797, other transaction problem 676. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=Chime%20Financial%20Inc&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - Of those 11,565 complaints, 10,660 (92.2%) closed with explanation, 665 (5.8%) with monetary relief and 236 (2.0%) with non-monetary relief; 4 were in progress. 11,564 were marked timely. A further 62 complaints in the same period are filed under "Chime Inc.". Data retrieved 2026-10-13. [CFPB complaint database search by name](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?search_term=chime&field=company&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - The CFPB says its complaint database is not a statistical sample of consumers' experiences, and that complaint volume should be read against company size. [CFPB consumer complaint database](https://www.consumerfinance.gov/data-research/consumer-complaints/) ## Scams that target customers - Chime says it will never call, email or text you for your password or personal information, never ask you to download apps, and never ask you to send money through Pay Anyone. [Chime: avoid scams that target members](https://www.chime.com/blog/how-to-avoid-scams-that-target-chime-members/) - Scammers spoof Chime's support number, run fake support profiles and sponsored search ads that lead to phishing sites, and promote fake "Chime glitch" giveaways. Use only the number in the app or on chime.com. [Chime: avoid scams that target members](https://www.chime.com/blog/how-to-avoid-scams-that-target-chime-members/) - Report scams through in-app chat or 1-844-244-6363, and to the FTC at ReportFraud.ftc.gov. Real Chime support emails come from @chime.com. [Chime: avoid scams that target members](https://www.chime.com/blog/how-to-avoid-scams-that-target-chime-members/)