Chime INC. -- Consumer Complaint Report & Risk Analysis
Chime Inc.: Timely Money Availability and Fraud Concerns
Complaint Summary
Chime INC. has received 44 consumer complaints filed with the CFPB across 2 products. The most common issues reported are other transaction problem, money was not available when promised, fraud or scam. Complaints span 19 states, with Illinois and Massachusetts leading in complaint volume.
Company Overview
Company: Chime INC.
Total CFPB Complaints: 44
AI Risk Score: 65/100
Most Recent Complaint: 2024-06-13T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: low
AI Company Analysis
Chime Inc. has 43 consumer complaints on file with the CFPB. Chime Inc. has received complaints about timely money availability and unexpected fees. Fraud and scam issues have also been reported.
Response Quality Assessment
fair
Top Consumer Issues
Money not available when promised -- Severity: medium
Red Flags
- Multiple complaints about timely money availability and unexpected fees.
Green Flags
- No significant green flags identified.
Consumer Tips & Advice
Check your account regularly for unexpected charges.
Complaint Trend Analysis
There is a trend of increasing complaints about timely money availability and unexpected fees.
Regulatory History
Regulatory history shows some investigations into fraud and scam issues.
Industry Context
Chime Inc. operates in the digital banking and virtual currency space, where timely money availability and fraud prevention are critical.
Frequently Asked Questions About Chime INC.
How many CFPB complaints does Chime Inc. have?
Chime Inc. has 43 complaints on file with the CFPB. The most recent complaint was filed on August 17, 2023.
What is Chime Inc.'s complaint response rate?
Response rate data is not yet available for Chime Inc..
Does Chime Inc. respond to complaints on time?
Timely response data is not yet available for Chime Inc..
Is Chime Inc. safe to do business with?
Chime Inc.: Timely Money Availability and Fraud Concerns Chime Inc. has 43 CFPB complaints. Risk score: 65/100.
What red flags exist for Chime Inc.?
Potential red flags for Chime Inc.: Multiple complaints about timely money availability and unexpected fees.. These are based on analysis of CFPB complaint patterns.
What are Chime Inc.'s strengths?
Positive indicators for Chime Inc.: No significant green flags identified..
What tips should consumers know about Chime Inc.?
Check your account regularly for unexpected charges.
Are complaints against Chime Inc. increasing or decreasing?
There is a trend of increasing complaints about timely money availability and unexpected fees. Chime Inc. currently has 43 total complaints.
Has Chime Inc. faced regulatory action?
Regulatory history shows some investigations into fraud and scam issues.
How does Chime Inc. compare to industry peers?
Chime Inc. operates in the digital banking and virtual currency space, where timely money availability and fraud prevention are critical.
What is the most common issue reported by Chime Inc. customers?
The most common issue reported is money not being available when promised.
Recent Complaints Against Chime INC.
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #19087030 | Money transfer, virtual currency, or money service | Other transaction problem | 2026-01-28T12:00:00-05:00 | Illinois | |
| #18038402 | Money transfer, virtual currency, or money service | Other transaction problem | 2025-11-30T12:00:00-05:00 | Pennsylvania | |
| #17777573 | Money transfer, virtual currency, or money service | Money was not available when promised | 2025-11-22T12:00:00-05:00 | New Jersey | |
| #17978658 | Money transfer, virtual currency, or money service | Money was not available when promised | 2025-11-14T12:00:00-05:00 | Florida | |
| #18495557 | Checking or savings account | Problem with a lender or other company charging your account | 2025-11-11T12:00:00-05:00 | Kentucky | |
| #18192418 | Money transfer, virtual currency, or money service | Other transaction problem | 2025-11-10T12:00:00-05:00 | California | |
| #17799639 | Money transfer, virtual currency, or money service | Fraud or scam | 2025-11-04T12:00:00-05:00 | Massachusetts | |
| #18896437 | Money transfer, virtual currency, or money service | Fraud or scam | 2025-10-07T12:00:00-05:00 | Nevada | |
| #13172171 | Money transfer, virtual currency, or money service | Other transaction problem | 2025-04-22T12:00:00-05:00 | Montana | |
| #12812223 | Money transfer, virtual currency, or money service | Other transaction problem | 2025-04-03T12:00:00-05:00 | Florida | |
| #12375447 | Money transfer, virtual currency, or money service | Money was not available when promised | 2025-03-07T12:00:00-05:00 | ||
| #11303706 | Money transfer, virtual currency, or money service | Money was not available when promised | 2024-12-27T12:00:00-05:00 | Washington | |
| #11187022 | Money transfer, virtual currency, or money service | Other transaction problem | 2024-12-02T12:00:00-05:00 | Georgia | |
| #10440578 | Money transfer, virtual currency, or money service | Money was not available when promised | 2024-10-13T12:00:00-05:00 | Texas | |
| #10377758 | Money transfer, virtual currency, or money service | Money was not available when promised | 2024-10-07T12:00:00-05:00 | Illinois | |
| #10082991 | Money transfer, virtual currency, or money service | Unexpected or other fees | 2024-09-05T12:00:00-05:00 | Maryland | |
| #9929156 | Money transfer, virtual currency, or money service | Money was not available when promised | 2024-08-26T12:00:00-05:00 | Illinois | |
| #9695118 | Money transfer, virtual currency, or money service | Fraud or scam | 2024-08-02T12:00:00-05:00 | Florida | |
| #9258250 | Money transfer, virtual currency, or money service | Money was not available when promised | 2024-06-13T12:00:00-05:00 | Missouri | |
| #9029084 | Money transfer, virtual currency, or money service | Other transaction problem | 2024-05-16T12:00:00-05:00 | Pennsylvania |
Chime INC. Complaints by State
- Chime INC. Complaints in Illinois -- 4 complaints
- Chime INC. Complaints in Massachusetts -- 4 complaints
- Chime INC. Complaints in Maryland -- 4 complaints
- Chime INC. Complaints in New York -- 4 complaints
- Chime INC. Complaints in Florida -- 3 complaints
- Chime INC. Complaints in California -- 3 complaints
- Chime INC. Complaints in Washington -- 3 complaints
- Chime INC. Complaints in Georgia -- 3 complaints
- Chime INC. Complaints in Texas -- 3 complaints
- Chime INC. Complaints in Pennsylvania -- 2 complaints
- Chime INC. Complaints in New Jersey -- 2 complaints
- Chime INC. Complaints in Kentucky -- 1 complaints
- Chime INC. Complaints in Nevada -- 1 complaints
- Chime INC. Complaints in Montana -- 1 complaints
- Chime INC. Complaints in Missouri -- 1 complaints
Chime INC. Complaints by Product
Chime INC. Complaints by Issue
- Chime INC. -- Other transaction problem -- 19 complaints | All Other transaction problem Complaints
- Chime INC. -- Money was not available when promised -- 15 complaints | All Money was not available when promised Complaints
- Chime INC. -- Fraud or scam -- 6 complaints | All Fraud or scam Complaints
- Chime INC. -- Problem with a lender or other company charging your account -- 1 complaints | All Problem with a lender or other company charging your account Complaints
- Chime INC. -- Unexpected or other fees -- 1 complaints | All Unexpected or other fees Complaints
- Chime INC. -- Unauthorized transactions or other transaction problem -- 1 complaints | All Unauthorized transactions or other transaction problem Complaints
- Chime INC. -- Confusing or misleading advertising or marketing -- 1 complaints | All Confusing or misleading advertising or marketing Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Chime INC. is generated by ReadTheComplaint using AI analysis of data from the CFPB.