Checking and savings
Chime Financial: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 1,164
- Closed with money back
- 6%
- 2023 to 2025
- 298 to 550
Servicemembers filed 7.4% of Chime Financial's 15,716 complaints in the window, against 2.5% across the directory. The complaints are mostly about checking or savings account, and the single most common issue is "Managing an account". 6% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 298 in 2023 to 550 in 2025.
What the complaints are about
By product
| Checking or savings account | 804 |
| Money transfer, virtual currency, or money service | 158 |
| Credit card | 89 |
| Credit reporting or other personal consumer reports | 39 |
| Credit card or prepaid card | 29 |
By issue
| Managing an account | 449 |
| Problem with a lender or other company charging your account | 178 |
| Closing an account | 113 |
| Fraud or scam | 60 |
| Problem with a purchase shown on your statement | 56 |
| 2023: 298 | 2024: 316 | 2025: 550 |
Which accounts, specifically
| Checking account | 806 |
| General-purpose credit card or charge card | 118 |
| Mobile or digital wallet | 115 |
| Other banking product or service | 74 |
| Domestic (US) money transfer | 47 |
What went wrong, specifically
| Problem using a debit or ATM card | 192 |
| Transaction was not authorized | 166 |
| Deposits and withdrawals | 129 |
| Company closed your account | 79 |
| Funds not handled or disbursed as instructed | 65 |
Busiest month: November 2025, with 75 servicemember complaints. Most were submitted by web.
Most complaints came from TX (106), CA (97), GA (85) , then FL, NY, PA.
How Chime Financial answered
| Closed with explanation | 1,048 | 90% |
| Closed with monetary relief | 75 | 6% |
| Closed with non-monetary relief | 41 | 4% |
Chime Financial responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Checking or savings account; Managing an account. CA, 2024-08-31. Outcome: Closed with explanation. Complaint 9994068
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Money transfer, virtual currency, or money service; Other transaction problem. UT, 2024-09-01. Outcome: Closed with monetary relief. Complaint 9986638
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Checking or savings account; Managing an account. CA, 2024-08-29. Outcome: Closed with explanation. Complaint 9985599
If this is your problem at Chime Financial
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with checking and savings peers
- U.S. Bank 1,016 servicemember complaints; 9% with money back
- Truist 936 servicemember complaints; 4% with money back
- Bank of America 2,581 servicemember complaints; 23% with money back
- PNC Bank 502 servicemember complaints; 12% with money back
- USAA 2,815 servicemember complaints; 8% with money back
Next in the directory by volume: Nelnet, PayPal, Ally Financial.
Frequently asked questions
How many complaints did servicemembers file against Chime Financial?
1,164 complaints tagged servicemember were received by the CFPB about Chime Financial Inc between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 298 in 2023 to 550 in 2025.
What do servicemembers complain about most at Chime Financial?
Checking or savings account accounts for 804 of the 1,164 complaints, and the most common issue is "Managing an account" (449). Next: "Problem with a lender or other company charging your account" (178).
Does Chime Financial give money back when a servicemember complains?
6% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 41 closed with non-monetary relief and 1,048 closed with an explanation only. Chime Financial answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.