Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
In XXXX of this year XXXX, I referred my mom, XXXX XXXX to CHIME bank using the referral program and incentive. They had a special offer during this time which was you would receive {$300.00} and the person you referred received a {$100.00} for every qualifying referral. XXXX XXXX successfully completed the requirements for the referral and incentive program, but we still had not received are referral bonus/incentive. On XXXX XXXXXXXX I called CHIME and spoke with them.They said I would have to have my mom XXXX XXXX call from her phone so they could access her account. I went to her house the next day on XXXX XXXX. I called CHIME from her phone and they looked at her account and seen that she had qualified for the referral incentive and she was given her {$100.00}. I then spoke with the manager about my referral bonus since my mom XXXX qualified. I was told by the manager that day that I would receive {$100.00} that day and up to 48hours later the other {$200.00}. I spent almost 9hours total on the phone that day and was faithfully promised by the manager I spoke to that I would receive the full {$300.00} referral bonus/incentive. After the phone call, I received a notification from CHIME that I received {$100.00} of the {$300.00}. I then waited the rest of the week all the way until today. Today on XXXX XXXX I called CHIME back.I asked to speak to a manager. The manager preceded to tell me that I would not be receiving the other {$200.00} that I was faithfully promised on XX/XX/year>, because he claimed the manager I spoke with on that day had messed up but didn't explain how. This manager was very rude, would not let me speak, and kept calling me a liar. He refused to give me corporates number or give me his superior. I asked to then be transferred to a different manager, because of how rude the manager was. After being put on hold for awhile, I was then transferred to a female manager. She would not let me speak like the first one, and kept trying to gaslight me and lie to me saying that XXXX didn't qualify. I tried to explain to her that yes XXXX did qualify, because she had received her new referral incentive. Then the female manager tried to lie and say I was only supposed to receive {$200.00} only after I referred multiple people. Again that wasn't true, I read the referral program terms and conditions and it doesn't say anything of the sort. She then lied to me further by saying they didn't have a corporate number, but after looking online, the number I had called was the corporate number. CHIME has done nothing but lie and be rude. This isn't the first issue I have had with them on the referral program. I had referred my wife XXXX XXXX. When she signed up, they said she didn't qualify because she already had an account. Like we explained to them, she had never had account with them before and that she was banking at XXXX XXXX at the time the account was supposedly open. We explained to them that her identity had been stolen, because her email and address on the account didn't match up. They refused to correct the situation and look into it further. At that time we had let it go, but it seems like this is a repeat thing for CHIME.

Company response to consumer: Closed with monetary relief