CFPB Consumer Complaint Profile
Chime Inc.
Behind the 260 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 260
- Total complaints
- Above average
- 80
- Last 12 months
- 84.6%
- Timely response
- Bottom quartile
- 42
- States affected
The verdict
260 CFPB complaints put Chime Inc. at #769 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 84.6%, the 12th percentile for the 100+ complaint peer group.
- #769
- of 3,843 companies by volume
- 84.6%
- on time (12th pctile)
- Money transfer, virt…
- most-complained product
- 42
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Chime Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
84.6% Among the lowest higher than 12% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 92 in 2024 to 74 in 2025 (2024 → 2025).
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 |
|---|---|
| 2018 | 1 |
| 2019 | 4 |
| 2020 | 2 |
| 2021 | 8 |
| 2022 | 11 |
| 2023 | 50 |
| 2024 | 92 |
| 2025 | 74 |
| 2026year in progress | 18 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Chime Inc.
The CFPB Consumer Complaint Database has logged 260 complaints against Chime Inc. overall, with 80 of those filed in the trailing 12 months. Reports have come from consumers in 42 states and territories, making this a nationwide complaint footprint. No product draws more complaints than "Money transfer, virtual currency, or money service," which sits at the top of the product breakdown. The specific issue named most within that category is "Other transaction problem," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Chime Inc. draw a 84.6% reply rate inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 33.8% rate.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 Inc. have?
260 complaints have been filed against Chime Inc. with the CFPB overall - 80 of them in the past year.
Does Chime Inc. respond to complaints on time?
Chime Inc.'s CFPB timely-response rate is 84.6%.
What product generates the most complaints for Chime Inc.?
The most complained-about product for Chime Inc. is "Money transfer, virtual currency, or money service." You can view the full product breakdown on this page.
What is the most common complaint issue with Chime Inc.?
Consumers most often cite "Other transaction problem" when complaining about Chime Inc.; the full issue list with counts is above.
How do I file a complaint against Chime Inc.?
You can file a complaint against Chime 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 Inc.?
The CFPB has recorded complaints against Chime Inc. from 42 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.
Also handles Money transfer, virtual currency, or money service
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.