Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime HomeSkip to main content Get started Return to navigation The best way to access your pay.

Get MyPay and more when you move your paycheck to Chime.

Get your pay any day, fee-free* Deposited in 24 hours or less for free Credit building, no overdraft fees, and more InfoState eligibility Enter your email Get started Already have an account? 
Privacy Policy MyPay App Screen Why MyPay? 
How it works Compare Testimonials Get started FAQ Come for MyPay.

Stay for all that Chime offers.

When you set up direct deposit ( which we make super easy to do ), you get access to MyPay and so much more : MyPay Get {$500.00} of your pay before payday^ Access your money fee-free within 24 hours/ instantly for a {$2.00} fee. No mandatory fees. No credit check. No interest. * Build credit Fee-free overdraft up to {$2000.00} 50k+ fee-free ATMs4 No monthly fees How to get MyPay It all starts with direct deposit. 
Move your paycheck to Chime ( yep, thats what direct deposit means ). Then the magic happens...

Get started Take MyPay for a test drive.

Once you set up qualifying direct deposits, youll unlock access to MyPay. Give it a try and see how it works for you.

Start demo Simply put, you get more with Chime.

Move your paycheck to Chime and unlock MyPay + more benefits you wont get anywhere else!

# 1 Most Loved Banking App9 with no monthly fees Checkmark Chime Fee-free daily access to pay* Checkmark Chime Fee-free overdraft1 Checkmark Chime View more Real Member. Paid testimonial.

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Get started MyPay resources.

Have questions about MyPay?

How do I determine my MyPay line of credit limit and available amount?

Is MyPay available only in certain states?

How much does MyPay cost?

Whats the catch?

Will using MyPay impact my credit score?

How do I get access to MyPay?

How is MyPay different from Get Paid Early and SpotMe?

How does Chime make money?

Does Chime charge any fees?

Home MyPay Benefits No Monthly Fees MyPay Get Paid Early Fee-free Overdraft Build Credit 50,000+ Fee-Free ATMs High Yield Savings Account Send and Receive Money Security and Control Company About Us In the News Reviews Careers Trust & Safety Resources Do Not Sell or Share My Personal Information Policies Chime U.S. Privacy Notice Help Center Second Chance Banking Become an Affiliate Supporting Those With Disabilities Contact Us XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MyPay services provided by Chime Capital, LLC ( XXXX XXXXXXXX ). 

^To be eligible for XXXX, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House ( ACH ) or Original Credit Transaction ( OCT ). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a {$20.00} - {$500.00} Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions XXXX apply. XXXX XXXX MyPay Agreement or Stride MyPay Agreement for details. 

*Option to get funds instantly for {$2.00} per advance or get funds for free within XXXX hours. XXXX XXXX MyPay Agreement or Stride MyPay Agreement for details. 

~With authorization, outstanding XXXX balances will be repaid from direct deposits to your Chime Checking Account from Eligible Sources. See XXXX MyPay Agreement or XXXX MyPay Agreement for details.

# Bank ranking and number of ATMs according to U.S. News & World Report XXXX.

+ Out-of-network ATM withdrawal and XXXX advance fees XXXX apply. XXXX XXXX XXXX agreement or Stride agreement for details ; see back of card for issuer.

1 On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to XXXX, XXXX, and XXXX. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

2 To apply for Credit Builder, you must have an active Chime Checking Account.

3 SpotMe for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account ( individually or collectively, SpotMe ). Eligibility for SpotMe requires {$200.00} or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to {$20.00} in total, but may be later eligible for a higher combined limit of up to {$200.00} or more based on members Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. Your SpotMe Limit may change at any time, at Chime or its banking partners discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non

card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions. 4 Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a XXXX, or any Allpoint or Visa Plus Alliance ATM.

5 You can be eligible for MyPay if you have received any of the following, determined at the time of MyPay Account opening : a. 2 qualifying direct deposits from an employer, payroll provider, or gig economy payer of {$200.00} or more per deposit in the preceding 36 days ; b. 1 qualifying direct deposit from an employer, payroll provider, or gig economy payer of {$200.00} or more in the preceding 36 days and added an Additional Data Source ( as defined in the MyPay Agreement ) ; or c. 1 qualifying direct deposit from a known government benefits payer ( such as the Social Security Administration or Department of Veterans Affairs ) of {$200.00} or more in the preceding XXXX XXXX XXXX as of XX/XX/XXXX XXXX https : //XXXX as of XX/XX/XXXX XXXX https : XXXX as of XX/XX/XXXX XXXX Chime is recommended by more of its users than that of any brand per XXXX Qualtrics NPS score. THE # 1 MOST LOVED BANKING APP is a Registered Trademark of Chime Financial , Inc.

10 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file

 is received, which may be up to 2 days earlier than the scheduled payment date.

11 Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. XXXX XXXX card cash deposits first go through your XXXX Account and then land in your Secured Account. Cash deposit fees XXXX apply if using a retailer other than XXXX and XXXX XXXX. 

XXXX Based on a representative study conducted by XXXX, members who made their first purchase with Credit Builder between XX/XX/XXXX and XX/XX/XXXX observed an average XXXX Score XXXX increase of XXXX points after approximately 8 months. On-time payment history can have a positive impact on your XXXXredit score. Late payment may negatively impact your credit score. Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than XXXX and XXXX XXXX. 

Chime is a financial technology company, not a bank. Banking services are provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Members FDIC. The Chime Visa Debit Card and the Chime XXXX XXXX XXXX Credit Card are issued by XXXX XXXX XXXX XXXXXXXX. or XXXX Bank, XXXX. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

While Chime doesnt issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing banks Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third-party websites, as Chime is not responsible for those third parties ' privacy or security practices. 

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author ( s ) or contributor ( s ) and do not necessarily state or reflect those of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Banks are not responsible for the accuracy of any content provided by author ( s ) or contributor ( s ).

Third-party trademarks referenced for informational purposes only ; no endorsements implied. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, United States. 

No customer support available at HQ. Customer support details available on the website. 

XXXX Chime Financial , Inc. All rights reserved. 

I am reporting fraud and scams with this company chime XXXX XXXX and other entities of this company I have discovered falsified information that was not on their policy and procedures. Inaccuracy information was given to me by customer service supervisors on how their policy and procedures on their my pay generates the advances that was given unto the consumer due to the direct deposits of that consumer paycheck.

Company response to consumer: Closed with explanation