Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CT

Complaint narrative:
Chime is continuously advertising {$100.00} referral Bonuses both through email and via CHIME app I took their offer and signed recently signed up 6 people in which all completed the requirements in order to receive the {$100.00} dollar bonuses which is supposed to be rewarded to both referees and referrals! BUT ONLY MY REFERRALS RECEIVED THE {$100.00} BONUS! Seeing the mistake I contacted chime everyday since! Ive received a lot of contradictory responses! One representative told me the money will appear within 2 business days, it did not come, the next said One week, also untrue, One representative basically explained that they simply couldnt help me with my issue! The last one said the bonuses can be manually applied by a supervisor! On XX/XX/year> I stopped calling and decided to email XXXX for further assistance! XXXX because the representative to help me with this situation but hasnt been much help! His initial response instructed me that I will be given an update within 3 business days I had to contact XXXX on the XXXX business day for that update! His response now is that a separate department is reviewing the deposit qualifications which makes no sense because everyone I referred received the bonus {$100.00} already except for me the person who referred them! My most recent update from XXXX was on XX/XX/year> with claims that their team is still reviewing the deposit! 

Honestly I cant say I wasnt skeptical about Chimes referral program now i understand why! This is definitely a scam chime does not honor their bonuses Ive read other complaints similar to mine about the same thing! They need to be held responsible for their bait tactics! The Cfpb/ FTC should investigate this issue before it gets out of hand! 

I WOULD LIKE CHIME TO ADDRESS ALL MY CONCERNS IN THIS COMPLAINT 1. Where is my {$500.00} Missing bonus Funds ( I recently referred 6 people only 1 bonus of {$100.00} was paid ) 2. If the people I referred received the bonus {$100.00} i believe that means they made a qualifying deposit..then what is chime really investigating? Why havent I really received the bonus?

3. If chime decides not to honor the bonuses they have no right to keep the referral accounts active because I SOLELY referred them because of the bonus incentive, if the bonus incentive isnt being honored then I got baited/scammed with monetary prizes/ promises 4. All your customers service representatives contradict each other! I can call chime about the same problem and get 10 different answers and it might take a month for a response!

5. Response time*, if XXXX XXXX customer service representative for chime ) assures me an update within 3 business days when should i expect that update? the correct answer was within 3 business days. XXXX waited for me to contact him on the XXXX business day??????? The customer service Ive received regarding this matter really shows how much chime does not care! 

Chime was not able to fix this issue which caused me to write this complaint Ive seen Im not the only person with these grievances! Similar situations where chime does not honor their bonuses are becoming more frequent and should be thwarted asap!

Company response to consumer: Closed with explanation