Chime
Did Chime’s “No-Fee” Features End Up Costing You?
AT A GLANCE:
AT A GLANCE:
WHO?
Chime users nationwide who used MyPay or SpotMe features.
WHAT?
Chime marketed its MyPay cash advance as “no interest” and SpotMe as “fee-free,” but charged $2 instant transfer fees and prompted “optional” tips that turned into unexpected costs.
WHY DOES IT MATTER?
These practices could violate consumer-protection laws designed to prevent deceptive financial marketing.
What's Going On?
Chime promotes MyPay as a “no-interest” way to access your money early — but if you need the funds instantly, there’s a flat $2 fee. On small short-term advances, that fee can work like a very high interest rate.
Its SpotMe overdraft program also claims to be “fee-free,” but users are prompted to leave “optional” tips, making what should be a no-cost feature into a paid one.
Consumers across the U.S. are taking action to seek refunds of $2 instant fees, SpotMe tips, overdraft or NSF spillovers, and changes to how these features are advertised.
FAQ'S
What can I do?
If you qualify, you can bring a claim through arbitration—a legal process similar to court but often faster and more streamlined. Our legal partners will handle the process on your behalf.
So, this isn’t a lawsuit?
Correct. These are individual arbitration claims, not a class action or traditional lawsuit. It’s a common way to hold companies accountable when they’ve violated privacy or consumer protection laws.
What does this cost?
There are no upfront costs to you. Legal fees are only collected if your case is won or settled.
Who am I signing up with?
We work with a number of established and respected law firms across the United States, all of whom work to secure compensation for people like you who may have had their privacy rights violated. This campaign is sponsored by Bryson Harris Suciu & DeMay PLLC.
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