CFPB Consumer Complaint Profile
Chime Financial Inc
Consumers have filed 21,976 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 21,976
- Total complaints
- 9,537
- Last 12 months
- 99.9%
- Timely response
- 52
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Chime Financial Inc sits at #33, with 21,976 complaints logged. It answers 99.9% of complaints on time - above the 93% median for companies with 100+ complaints.
- #33
- of 3,848 companies by volume
- 99.9%
- answered on time
- Checking or savings …
- most-complained product
- 52
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2020 | 397 |
| 2021 | 1,355 |
| 2022 | 2,240 |
| 2023 | 3,449 |
| 2024 | 3,877 |
| 2025 | 8,389 |
| 2026 | 2,269 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Chime Financial Inc
21,976 complaints against Chime Financial Inc appear in the CFPB record, including 9,537 from the trailing year. The 52 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. The specific issue named most within that category is "Managing an account," a reasonable starting point for understanding recurring friction.
Chime Financial Inc's timely response rate stands at 99.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. 8% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Chime Financial Inc have?
Chime Financial Inc has 21,976 total consumer complaints filed with the CFPB, with 9,537 filed in the last 12 months.
Does Chime Financial Inc respond to complaints on time?
Chime Financial Inc's CFPB timely-response rate is 99.9%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Chime Financial Inc?
"Checking or savings account" draws more CFPB complaints against Chime Financial Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Chime Financial Inc?
The most common issue reported by consumers about Chime Financial Inc is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Chime Financial Inc?
You can file a complaint against Chime Financial Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Chime Financial Inc?
The CFPB has recorded complaints against Chime Financial Inc from 52 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~21,976)
Also handles Checking or savings account
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.