Both Premier League giants have started the season dismally with several dreadful results.
Man Utd have lost four of their opening seven league matches, while they also suffered defeat in the Champions League against Bayern Munich.
Meanwhile, Chelsea have won just one of six league games and languish in 15th place.
And Neville feels the toxic atmosphere at the two clubs stems from the top.
Man Utd’s owners, the Glazers, remain bitterly unpopular with the supporters as the sale of the club drags on.
Meanwhile, Blues chief Todd Boehly has spent £1billion in little more than 12 months at Stamford Bridge, yet the squad remains in disarray.
Speaking on Twitter, Neville said: “Chelsea and United are the way they are currently due to cultural issues and chaos.
“ETH and MP are good managers working in very difficult and challenging environments. Look up top!”
Neville also made several points about the officiating over the course of the weekend.
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This particularly pertained to Tottenham’s win over Liverpool in which the Reds received two red cards and saw Luis Diaz’s goal wrongfully disallowed, before the PGMOL later apologised.
Man Utd legend Neville added: “The VAR mistake was a really bad one. However we’ve all been demanding quicker decisions and I think they have tried to enforce speed in decision making. Speed will cause inaccuracy and it’s now about a re-balance.
“The two officials have been taken off their next games. Imagine how they feel this morning and let’s be human. There should be consequence for such errors but in my opinion a couple of games out is more than enough.
“Think of it as a player suspension for a sending off. This isn’t a sackable offence by any stretch so let’s remove that language.
“Sorry doesn’t mean anything. It does. It’s an important value all our parents have tried to instill in us.
“Taking responsibility and owning your mistakes is important and should be valued.”