Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OR

Complaint narrative:
Name : XXXX XXXX Referred User : XXXX XXXX XXXX I am filing a complaint regarding a referral promotion that Chime failed to honor despite my compliance with all stated terms and conditions. On XX/XX/year>, I referred my father, XXXX XXXX XXXX, to Chime through a promotion advertised in both my email and the Chime app notifications. The promotion stated that I would receive a {$300.00} referral bonus if the referred user completed the required steps, while the referred user would receive {$100.00}. The promotion guidelines specifically stated that the referred user only needed to sign up for the account within the promotional period. The guidelines then stated that after signing up, the referred user had 45 days to receive a qualifying direct deposit and activate their physical Chime card. XXXX XXXX XXXX opened his Chime account on XX/XX/year>, which was within the promotion eligibility period. He then received a qualifying direct deposit on XX/XX/year>, and activated his physical Chime card on XX/XX/year>, all within the deadlines outlined in the promotion terms. Despite meeting all listed requirements, I only received a {$100.00} referral reward instead of the promised {$300.00}. XXXX XXXX XXXX received his {$100.00} reward correctly. I contacted Chime support by phone regarding the missing {$200.00}. The first representative reviewed the account and stated that it appeared I had followed all promotional guidelines correctly and should have received the additional {$200.00}. He escalated the issue to a supervisor/specialist. After some time, he informed me that the supervisor could not resolve it and transferred me to another representative. The second representative told me I was allegedly not eligible because I had not enrolled in the promotion. However, I accessed the promotion directly through the Chime app notification and referral link provided to me. At no point was I informed of any separate enrollment requirement beyond following the promotional link and completing the referral process. I explained that the prior representative had already confirmed that the account appeared eligible for the promotion, but the second representative stated he could not see any enrollment reflected in the system and refused to honor the additional {$200.00} reward. I relied on the promotional terms provided by Chime and completed every requirement listed in the email and app notification. I believe Chime failed to properly honor the advertised promotion and request that the remaining {$200.00} referral bonus be issued. Attached to this complaint are : - A screenshot of the promotional email advertising the {$300.00} referral reward. - A screenshot confirming that I only received {$100.00} of the {$300.00} advertised. -A screenshot from my father 's account. Where you can see he was signed up before the deadline. I can provide additional information if necessary. Thank you!

Company response to consumer: Closed with explanation