CFPB · Heavy filing volume
Chime Financial Inc
25.3K CFPB complaints (heavy-volume third) · 53 states · top issue Managing an account.
Chime Financial Inc is in the heavy-volume third with 25.3K CFPB complaints (ranks #33 of 342). Timely 99.9% · relief 7.9% · top product Checking or savings account. Allegations, not findings.
- Heavy filing volume
- +1316.6% filings 2020 to 2026
CFPB relief outcome brief
CCDB company chime-financial-inc
7.9% relief · 99.9% timely · 25.3K filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Wafd Bank (7.9% relief)
Chime Financial Inc closes 7.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Chime Financial Inc scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (37/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
37 / 100 percentile-benchmarked
7.9% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
75 / 100 percentile-benchmarked
86.4% of complaints closed with an explanation to the consumer
Most of Chime Financial Inc's 25.3K filings include narrative text
59.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Chime Financial Inc complaint mix by product
- Checking or 17K 69.8% – 8% relief
- Money transfer, 3K 14.0% – 5% relief
- Credit card 2K 6.7% – 11% relief
- Credit card 966 3.9% – 4% relief
- Credit reporting 830 3.3% – 12% relief
- Prepaid card 415 1.7% – 9% relief
- Debt collection 192 0.8% – 8% relief
Heavy-volume mix: how Chime Financial Inc's 25.3K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 17.4K |
| Money transfer, virtual currency, or money service | 3.5K |
| Credit card | 1.7K |
| Credit card or prepaid card | 966 |
| Credit reporting or other personal consumer reports | 830 |
| Prepaid card | 415 |
| Debt collection | 192 |
| Credit reporting, credit repair services, or other personal consumer reports | 138 |
| Payday loan, title loan, personal loan, or advance loan | 123 |
| Debt or credit management | 47 |
| Payday loan, title loan, or personal loan | 3 |
| Student loan | 2 |
| Mortgage | 2 |
| Vehicle loan or lease | 1 |
Nationwide filing states for Chime Financial Inc
Top states by attributed volume, heavy-filing company
- Leading state
- CA
- 9.4% of this company's filings
Chime Financial Inc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 5.6K
- +1316.6% vs 2020
Volume vs. relief
Where Chime Financial Inc sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Chime Financial Inc files more complaint volume than 91% of them, and closes complaints with relief more often than 63% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 25,331 · Closed with relief: 7.9%
Top States
| State | Complaints |
|---|---|
| CA | 2.4K |
| TX | 2.2K |
| FL | 1.8K |
| GA | 1.5K |
| NY | 1.4K |
| IL | 1.1K |
| PA | 1.1K |
| OH | 1.0K |
| NC | 910 |
| MI | 909 |
| VA | 623 |
| TN | 613 |
| NJ | 606 |
| AL | 573 |
| IN | 566 |
| MO | 526 |
| AZ | 520 |
| SC | 511 |
| MD | 483 |
| LA | 453 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 9.4K |
| Problem with a lender or other company charging your account | 3.9K |
| Closing an account | 2.5K |
| Fraud or scam | 1.3K |
| Problem with a purchase shown on your statement | 1.3K |
| Opening an account | 1.1K |
| Other transaction problem | 853 |
| Unauthorized transactions or other transaction problem | 782 |
| Incorrect information on your report | 641 |
| Problem caused by your funds being low | 485 |
| Getting a credit card | 449 |
| Problem with a purchase or transfer | 355 |
| Other features, terms, or problems | 205 |
| Problem with a company's investigation into an existing problem | 199 |
| Closing your account | 193 |
| Unexpected or other fees | 154 |
| Improper use of your report | 137 |
| Managing, opening, or closing your mobile wallet account | 132 |
| Problem getting a card or closing an account | 119 |
| Trouble accessing funds in your mobile or digital wallet | 107 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 397 | 98.7% |
| 2021 | 1.4K | 98.5% |
| 2022 | 2.2K | 99.7% |
| 2023 | 3.4K | 100% |
| 2024 | 3.9K | 100% |
| 2025 | 8.4K | 100% |
| 2026 | 5.6K | 100% |
Source: CFPB Consumer Complaint Database
Chime Financial Inc in the heavy-volume third
Chime Financial Inc's 25,331 logged complaints reach a nationwide footprint - 53 states have at least one filing. 59.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2020 through 2026-06-26. Volume lands in the heaviest third of the indexed company corpus (#33 of 342).
Chime Financial Inc answers 99.9% of complaints inside the CFPB's tracked window and closes 86.4% with a written explanation. 7.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Chime Financial Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Chime Financial Inc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 25.3K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Chime Financial Inc (#33 of 342; 99.9% timely; 7.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume