Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: KY

Complaint narrative:
This complaint is about the Chime banking / financial company. On XX/XX/year>, I created an account through a promotional link ( see images attached ). The promotion was that I would receive {$350.00} for opening a new checking account meeting the requirements they listed. The requirements they listed were to have a qualifying direct deposit of {$200.00} or more for the next three months at the least. I would be paid the first {$100.00} of the {$350.00} the first month of my first direct deposit. I would be paid another {$100.00} of the {$350.00} the subsequent month. And finally I would be paid the last {$150.00} of the {$350.00} on the third month. Upon opening my checking account and entering in my direct deposit information with my employer, I noticed on the Chime app there was nothing on there about the promotion that I just created my account with through their link. ( Note : I did not create this account through a third-party website advertising for Chime. I created this account through Chimes own website itself. ) You will see all of this evidence in the images attached. The first representative I talked to I was told upon verifying that my account was signed up through that link and then this representative explain to me how the {$350.00} would be broken down after opening my account. I then spoke to another representative on the phone with chime that my account was not verified through this promotional link at first and then eventually they did more research and saw that my account in fact WAS verified/ qualified with this promotional link and told me that my first {$100.00} of the {$350.00} would arrive in my account within 10 days of the first direct deposit I made. So, keep in mind at this point I have had three representatives all telling me different things and all contradicting what the last representative had told me. I had one representative verify my account with the promotional offer. The next said that it wasnt verified with the promotional offer and then that same representative after doing research said that it was in fact verified with this promotional offer. As of writing this complaint it has now been 12 days since I first made my direct deposit on XX/XX/year> ; 2 more days than the 10 days I was told that the first {$100.00} of the {$350.00} promotional offer would arrive in my account. So today, the same day of writing this complaint ( XX/XX/year> ), I got a hold of another agent through live chat, who told me that even they understood and they were frustrated and confused by how many different things multiple representatives at Chime were telling me and how much they were contradicting themselves. They then went on to explain to me that I was to call the marketing team at Chime and even talk to a supervisor if necessary and that they would link and document everything that was stated between them, myself, and the other representatives that I had recently talked to the last three weeks. Upon talking to a supervisor, she told me that there was nothing that they could do for me, and that my account did not qualify for the promotional offer, even though I specifically created my Chime checking account with this promotional offer website and met every single requirement that it listed. I know for a XXXX percent fact I created this account THROUGH THAT PROMOTIONAL LINK. All of my evidence will be listed below in the form of screenshots that I had with Chime representatives through their live chat option in the Help category of their app. I have had five or more representatives at Chime all tell me different things saying my account did verify with the promotional offer and others, then the next day saying it didnt, including the supervisor finally telling me that I did not qualify for the promotional offer. So in conclusion, Chime completely lied to me, told me all types of different things and pretty much conned me into making a checking account with them with the promotion that they offered through their own website and never owned up to their end of the promotion and basically said I was just out of luck and there was nothing they could do. This is completely unprofessional and I want everyone who tries to create an account with Chime to understand what happened to me so they know what theyre getting into if they try to create an account with chime through a promotion.

Company response to consumer: Closed with explanation