Cash Advance Apps
Chime SpotMe

Chime SpotMe reviews: complaints & concerns

By Editorial Team
Last Updated: Jun 13, 2025

While Chime SpotMe holds an impressive lifetime rating of 4.8 on the App Store and Google Play Store, recent user reviews in May 2025 have given it a slightly lower average rating of 4.1. Some users have voiced complaints about various aspects of the product. Read on to discover these complaints, common concerns, and more.

What do Chime SpotMe users complain about?

Out of hundreds of user reviews published in mid-2025, here are some of the biggest frustrations shared about Chime SpotMe:

  • Low or stagnant SpotMe limits: Many users are frustrated that their SpotMe limit remains stuck at low amounts like $20 or $40, despite consistent direct deposits and long-term account usage.
  • False advertising about SpotMe: Several users feel misled by promises of higher SpotMe limits up to $200, which they never receive even after meeting all the supposed requirements.
  • SpotMe reductions without explanation: Some users report their SpotMe limit being reduced or removed unexpectedly, without clear reasons provided.
  • Issues with MyPay feature: A number of users dislike the MyPay feature, citing delays in accessing their full paycheck and confusion over how it operates.
  • Unhelpful customer service: Users express dissatisfaction with customer support, mentioning difficulties in resolving problems and a lack of effective assistance.

Overall, while Chime offers convenient features, these common complaints highlight areas where users feel the service falls short of expectations.

App reviews talking about Complaint:
"...my SpotMe limit has never increased beyond $20..."
"...my spot me is still only $75..."
"...my spot me is stuck on $20 it’s been like that for a year..."

Table of contents

What do Chime SpotMe users complain about?Scam reportsOverdraft reportsWhat users say on other topics

Scam reports

Even though Chime SpotMe is a legit service, we found a few recent reviews describing it as problematic (for context, this is out of hundreds we analyzed). Some users claim that the promised $200 SpotMe overdraft is misleading, with one stating it's a "lie" and accusing the company of false advertising.

Another user reports being automatically enrolled in SpotMe, leading to an unexpected overdraft and negative balance. Others mention issues with the accuracy of the SpotMe feature and difficulties in resolving problems, leading them to feel scammed and frustrated.

App reviews talking about Scam:
"...communities can scam you or expect boosts and give none back..."
"...the $200 spot me is a lie..."
"...THEY AUTOMATICALLY SIGN YOU UP FOR SPOT ME!!!!!..."

Overdraft reports

We found four overdraft-related complaints, with users reporting unexpected negative balances after being automatically enrolled in SpotMe. One user lost their income and was overdrafted without permission, ending up with a negative balance they couldn't repay.

Others mention SpotMe didn't cover their checking accounts properly, causing ACH payments to bounce and losing access to credit cards. Another was allowed to overdraft $83, leading to significant account issues and frustration with customer support.

Some users report deposits not adding up and bills not being paid via auto-pay, resulting in collections notices. They suspect issues with how Chime processes their funds and feel something is wrong with their accounts.

App reviews talking about Reported Overdraft:
"...THEY AUTOMATICALLY SIGN YOU UP FOR SPOT ME!!!!! SO NOW THEY OVERDRAFTED MY ACCOUNT WITHOUT MY PERMISSION!!!!..."
"...don't like that spot me doesn't cover my cking acct! my ach payments are not cover and they keep bouncing!..."
"...chime is ripping you off somehow. with my deposits, it doesn't add up even when they take out of spot me and my pay..."

What users say on other topics

Positive
11%
Negative
89%
Many users express dissatisfaction with Chime's advertising accuracy, particularly regarding the SpotMe feature. Numerous reviews highlight that despite meeting the advertised criteria, such as consistent direct deposits, users often receive a SpotMe limit far below the promised $200 or $250. Some users report being stuck at a $20 limit for extended periods, with no clear explanation or increase despite repeated inquiries. Others mention that the app's promotional claims about instant access and other features like MyPay are misleading, leading to frustration and disappointment. Overall, the sentiment is negative, with users feeling misled by Chime's promises.
App reviews talking about Advertising Accuracy:
"...my SpotMe limit has never increased beyond $20..."
"...advertising that you 'spot $200' and then after we open the account you then say I need a direct deposit first and then you only start off with $20..."
"...advertise up to 250.00 spot me if you have three months of 1500.00 deposit and show active use. I did all the above and never received a spot me increase..."