I've had a great experience with Chime, up until recently. I received an unrecognized charge from "Playstation" that I disputed. There were no transaction details, and I never received an emailed receipt. Update: Still, it's a mostly great experience with Chime. However, I'm still irritated with customer service. It would be nice to be directed to a locally based call center.
Everything was going great until I tried to receive an ACH transfer. It just wouldn't work. Plus they changed the limits and some rules. I might just stop using this. What a shame. It seemed great, but if venmo can do something that this app can't, then just hang it up. This app unfortunately looks like nothing but a waste of time and effort. If it can't handle something as simple as an ACH transfer without completing breaking, then I don't see a point.
customer service is unable to do pretty much anything on my account because of "security reasons". two different issues, both times they were unable to assist me. both times it stopped me from accessing my money. this is now the third time its happened. honestly, theyve gone WAY down hill. like most companies, they care so little they wont even assist your problems. Chime replied to this review saying theyll contact me. they have not. wouldnt be surprised if it were an AI response.
chime has been great, the only reason I gave it 4/5 instead of 5/5 is because they could definitely improve their customer service. sometimes it's great, not difficult to use and gets what needs to be done taken care of. other times it's slow, doesn't solve the problem and you have to talk to them multiple times before the issue is resolved. any problem I've ever had did end up getting resolved in a satisfactory way, it's just a hit or miss for how they go about getting to that resolution.
in terms of bank statements and such this app is top notch but there's not a lot of info for any of the buttons on the app. i accidentally signed up for a credit builder card just trying to get them to tell me what it does. its a debit card linked to your credit score. it automatically takes ALL of your direct deposits. and now I get constant popups about activating the card I DIDN'T ASK FOR and I can't just shut it off. i have to completely delete my account with the credit company.
I couldn't say enough great things about chime, ever. I am so thankful for them , I've been with them three years I guess now I wouldn't use any other banking. they are so handy with a number of useful options. saving checking credit building spot me my pay, advance when needed. ability to move money from one account to the other at your fingertips, plus easily accessed customer service..it's all great!! thanks chime!
Everything works fine except for depositing a check for some reason. I scan the front of the check like instructed, then it will tell me to sign the back of it, and I press the "it's singed" button, but it doesn't do anything the app just freezes. I cleared the cache, and I uninstalled and reinstalled the app three times, and it's still freezes. I even went to see if I could do it on a browser instead of the app, but I don't see an option to deposit checks on the browser version of Chime.
not too bad for most of the features but don't ever, I repeat, EVER, deposit personal checks as they claim it'll be available in 5 business days. I'm now on day 6 and all they say they can do is document my problem. mind you, I needed the money when they said it would be available because I'm a handyman and it's for a customers job, they don't care!!!
I used to love this platform now it's always an issue! I utilize my pay but now because I've had two weeks of checks smaller than usual it isn't allowing me to access it. It would be understandable if the guidelines didn't clearly state that it would be available as long as you've had a qualifying direct deposit within the last 21 days!!!! Which I have! Not to mention customer service reads from a script when it comes to answering my questions.
I've been with chime for 3 and 1/2 years and I do really love all of the features of a bank account that they provide. this app is just really hard to navigate sometimes though. I habitually lock my card, but it takes a good 5 minutes to load up and then I have to click through like five different screens just to get to my physical card settings. each screen takes a while to load too. I have no need for a virtual card by the way, I don't know why they put that first in card settings.
