Chime Financial Inc
25.3K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How Chime Financial Inc's 25.3K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Chime Financial Inc
Chime Financial Inc's 25,331 logged complaints reach a nationwide footprint - 53 states have at least one filing on record. 59.7% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2020 through 2026-06-26.
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.
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.
Frequently Asked Questions
How many CFPB complaints does Chime Financial Inc have?
25,331, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Chime Financial Inc respond to complaints on time?
99.9% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Chime Financial Inc?
"Managing an account", filed under the "Checking or savings account" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.