Chime

I am filing this complaint against Chime regarding severe technical failures and unacceptable customer service I experienced while trying to secure my account against fraudulent activity. Recently, I received a push notification for a declined {$10.00} fraudulent charge at " XXXX XXXX XXXX. '' This transaction did not show up anywhere in my Chime app 's settled or pending transaction history. When I called Chime 's support line to investigate, the experience was entirely unacceptable : Hidden Fraud Attempts : Chime 's AI assistant informed me of several other declined fraudulent chargessuch as attempts from " Ski '' for {$13.00} and " XXXX '' for $ XXXXthat I was never notified about and do not appear anywhere in my app. Absurd " Solutions '' : After being transferred multiple times, a Chime representative informed me the scammer was hitting an old, deactivated metal titanium card that had fraudulent charges on it the day after it was mailed to me.…

I made a payment of XXXX to XXXX Via my Chime Account and the reservation ended up getting cancelled. I decided to dispute with my bank since XXXX decided to not return my money. Chime ended up denying the dispute after all the information i provided. I called them to ask for documents as to why they decided to deny my dispute, they couldnt provide any.

I had an annual renewal of yearly XXXX + subscription taken out of my acct XX/XX/XXXX at XXXX XXXX of {$100.00}. I contacted XXXX via phone and messaging inside the XXXX app because I wanted to cancel the yearly and get the discounted monthly because I had food stamps. XXXX agreed canceled yearly I signed up for monthly and got the discounted rate of XXXX $ which was paid at XXXX same day. I never received credit for the charge, I opened a dispute sent in proof of cancelation and conversation with XXXX that they stated they did not take payment. Dispute was denied no real reason why, I do visa disputes at XXXX bank as my job I know what is needed for a charge back to XXXX, so don't understand why a charge back was not done and it was denied. I re opened with more proof from XXXX that they stated its a bank issue they did not charge me. Denied again. Today I have put the XXXX re-open if this dispute into chime and tired of being denied.…

I am filing a formal complaint regarding XXXX failure to honor its advertised program terms, systemic account tracking errors, and deceptive consumer practices regarding the " Chime XXXX '' tier. Per XXXX official program documentation, the sole financial requirement to unlock Chime XXXX status is maintaining {$3000.00} or more in qualifying direct deposits within a rolling XXXX window. I do not merely meet this threshold ; I double it. Since XX/XX/year>, I have maintained a flawless, uninterrupted history of bi-weekly payroll direct deposits, each totaling roughly {$3100.00}. This amounts to a consistent monthly deposit volume exceeding {$6300.00}. Despite undeniably fulfilling the program 's requirements for over XXXX consecutive months, Chime has systematically denied me access to the advertised financial benefits of the XXXX tier, including the 5 % cash-back rewards and the 3.75 % APY on savings.…

On XX/XX/year>, at XXXX XXXX, an unauthorized transaction of {$1900.00} was made using my Chime debit card at " XXXX XXXX ''. I did not make, authorize, or participate in this transaction, nor did I receive any goods or services from it. I immediately disputed the transaction with Chime on Tuesday, XX/XX/year> ( Dispute # XXXX ). Instead of conducting a proper investigation as required by the Electronic Fund Transfer Act ( Regulation XXXX ), Chime threatened to close my account and immediately denied my dispute the very next day, on XX/XX/year>. Chime has failed to provide any evidence or documentation to support their decision, and their swift denial without a reasonable investigation is a clear violation of Regulation XXXX I am demanding that Chime fully investigate this fraudulent transaction, provide the complete investigation file and all documentation used to make this determination, and credit my account for the stolen {$1900.00}.

: Issue : I attempted to request what I believed was a replacement Chime XXXX XXXX card. I did not understand that the process would permanently close my XXXX XXXX account or combine it with another account. If that consequence was disclosed, it was not clear enough for me to understand that I would lose my XXXX XXXX account. As a result, my XXXX XXXX account was closed, and I lost access to a credit product that I intended to keep. Had I understood that requesting a new card would result in the account being closed, I would not have proceeded. Requested resolution : I request that Chime review what occurred, provide a written explanation of why my XXXX XXXX account was closed, and, if possible, reinstate the account or allow me to reopen it.

I am filing this complaint because I believe Chime has failed to properly investigate or resolve an issue involving more than {$800.00} of my money. I transferred funds from XXXX XXXX to a Chime debit card that was saved in my XXXX XXXX. The card was available as a payment destination in my XXXX XXXX, and I reasonably believed it was associated with my Chime account. After the transfer was completed, I was unable to access the funds. When I contacted Chime for assistance, I was told that the card receiving the money was not connected to my account or to my name. However, I do not understand how a Chime card could have been added to and remain in my XXXX XXXX if it was not verified or accepted through the normal process. I repeatedly asked Chime to investigate how this card was linked to my XXXX XXXX and to help locate my funds. Instead, I was told they could not assist because they claim the receiving card is not associated with my account.…

Today XX/XX/XXXX after checking online I saw that I was eligible for chime XXXX because my direct deposit exceed the {$3000.00} minimum. I have for the last 5 months put {$3800.00} per month into the account this qualifying for XXXX I was on the phone today for one and a half hours and no one would say anything or do anything other than I qualify for it but they don't know why I'm not getting it

I received an email for account closure notification via gmail on XX/XX/year> stating that my account would be closed XXXX XXXX. I was left unable to retrieve my remaining funds due to only being able to take out a certain amount at a time. I had between XXXX XXXX {$14000.00}. Im not sure what the exact amount was because of how long its been. I spoke with multiple people in customer service and still came up with nothing. Its been over 4 years & have no answers still as to why I havent gotten my funds!

I XXXX XXXX found that Chimes conduct was unfair in violation of the Consumer Financial Protection Act of 2010 keeping money and charging account when locked not protecting my account if locked I still get charged

I signed up for chime Bank {$350.00} sign on bonus. I met the requirements and only got {$50.00}. I tried to call and resolve it with them and they kept telling me different things every single time.

On XX/XX/year> CHIME closed my account and never refunded the money in my account. Around {$7000.00}. I'm not able to see any account information online or via the app because of the account closure. I've called customer service 3 times and they keep telling me they will put in a request for a refund. Then they send a auto generated email within XXXX hrs stating that I'm not eligible for a refund. I only put money in the account to travel to XXXX years ago with no foreign fees. And the money has just been in the account for a savings for myself. There has been no activity on the account at all since it was open. CHIME just closed my account. Took my money and locked me out of the website and app. Please help

I am filing a complaint against Chime for improperly denying my billing dispute ( Claim ID : XXXX ) in the amount of {$1100.00}. I filed a dispute for " Credit Not Posted '' because the merchant explicitly confirmed in writing that they were refunding my money.Even though I provided clear screenshot proof of the merchant 's written agreement to refund the funds, Chime closed the investigation claiming " no error occurred. '' On XX/XX/year>, Chime reversed my temporary credit and debited {$1100.00} from my account, causing immediate severe financial hardship. Chime failed to properly evaluate the merchant documentation I provided and violated my consumer rights by ignoring a clear, documented billing error where a promised credit was not posted. I request a full reinvestigation and a restoration of my funds.

My {$960.00} Pay Anyone transfer has been stuck on " XXXX '' for 5 days. An agent ( XXXX ) first said the transfer hadn't gone through on Chime 's end and told me to resend it, then separately confirmed that received payments can never be reversed - contradictory advice that risked a {$1900.00} double-charge. Despite XXXX explicit requests, no agent across XXXX handlers ( XXXX, XXXX, XXXX, XXXX ) provided a case number. A supervisor ( XXXX ) ended the chat mid-review with no resolution. A second supervisor XXXX XXXX ) confirmed she attempted to cancel the transfer but the system would not allow it, stated funds auto-return after 14 days from initiation if unclaimed, and then ended the chat without resolving the issue. I am requesting immediate release of my {$960.00}.

I am filing this complaint because I believe Chime did not properly investigate my dispute or appeal. I authorized XXXX Apple Cash payments totaling {$600.00} because I was deceived into believing I was purchasing a vehicle. After sending the payments, the seller stopped responding and never delivered the vehicle. As soon as I realized I had been scammed, I immediately contacted XXXX XXXX and attempted to stop the pending transactions. XXXX XXXX escalated my case to the XXXX XXXX department, and I retained screenshots documenting my immediate reports and attempts to prevent the loss. When I filed my dispute with Chime, I submitted extensive supporting evidence, including : * XXXX Support chat transcripts showing I reported the scam immediately. * Screenshots showing I attempted to stop the pending XXXX XXXX transactions. * Transaction records for the {$500.00} and {$100.00} XXXX XXXX payments.…

I was arrested on XXXX XXXX and wasn't released until XXXX XXXX. I had left my belongings at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX got my debit card and spent my social security check for XXXX and part of XXXX. It totaled around XXXXXXXX XXXX XXXXXXXX I got out he said he used the card and we had a verbal agreement for him to pay me back. Well it's been this long and I see he has no intention of paying me. So I pressed charges on him and filed a police report and had him arrested. I provided a letter oXXXX XXXX XXXX XXXX XXXX XXXX XXXX Why would I allow XXXX XXXX to purchase new clothes and pay for his legal pot card when I needed to bond out. I was XXXX and never gave him permission to use my card. Furthermore if they denied me because of the time we had a verbal agreement and XXXX XXXX refuses to make good on his end so if the sheriff office put out a warrant and the statute of limitations is 3 years. What's is the problem

I was scammed from a company based in XXXX. I attempted to file a dispute and chargeback. Chime asked for more information and i submitted it. They denied my request for chargeback within hours saying they worked with the merchant and saw nothing wrong. This is not true! theres no way they even contacted the company. When i called them to ask to reopen the case, they refused to. Ive lost a lot of money because they wont do a proper investigation.

My name is XXXX XXXX, I was born XX/XX/XXXX, I bank with Chime Bank where I receive my XXXX checks monthly. I was incarcerated XX/XX/XXXX - XX/XX/XXXX and during that period 3 of my XXXX checks were stolen from my account. They accessed my Chime account from a stolen phone of mine. I became aware of the stolen funds after my release in XXXX. I reached out to Chime immediately and filed a police report with XXXX XXXX police department. I am not aware of who stole my phone or gained access to my account and there was no follow up from XXXX XXXX police. I am XXXX and rely on these checks for my living expenses and livelihood. I have been in contact with Chime Bank for the past year attempting to get reimbursed for these stolen deposits and Chime bank has not cooperated with me nor assisted with the investigation. I would like to file a complaint against Chime bank for their negligence in this matter and ultimately would like Chime bank to reimburse the stolen XXXX deposits

Chime has repeatedly denied my dispute for a transaction of {$77.00} at XXXX requested a reinvestigation and submitted new, critical documentation to support my claim. Chime requested further information, closed the case, and denied it again.However, after requesting a formal summary of the dispute file from Chime, the official summary email reveals that Chime completely failed to conduct a reasonable investigation under Regulation XXXX. The summary details only the evidence from my initial, old claim. It completely excludes and shows XXXX record of the new evidence I submitted for the reopened dispute.Furthermore, I have multiple recorded phone conversations with Chime representatives. In these recorded calls, agents repeatedly refused to evaluate the new evidence, hung up on me mid-conversation, and outright stated they would continue to deny the claim despite being notified that the call was being recorded and that they were violating federal reinvestigation guidelines.…

An account was opened with Chime Bank and a debit card was sent to my house. I did not open this account and would like to know who and when the account was opened. I called Chime Bank Fraud department and reported the account was unauthorized and that it needed to be closed. I believe they did, but they would not provide me with any information about the account without having an FTC report. Which led me to filing this complaint.

I paid {$240.00} for a vacation package on XX/XX/year>. The package was reserved for XXXX XXXX XXXX. Not only did this company take my money but they deleted my account. I do not have {$240.00} to give to anyone for free. I am requesting my money back. The companies name is XXXX vacations. I used a chime card. I requested chime to do a refund. I sent them all the documents they needed. Chime and XXXX are people denying me my money

I am filing this complaint because Chime failed to protect my account from unauthorized electronic fund transfers and failed to properly investigate my disputes under the Electronic Fund Transfer Act ( Regulation XXXX ). Beginning on XX/XX/year>, my account was hit with numerous unauthorized transactions from XXXX XXXX XXXX XXXX / XXXX. I did not authorize any of these transactions. I never gave this merchant permission to repeatedly debit my account, and I never knowingly approved the dozens of charges that appeared. I disputed these unauthorized transactions with Chime. Instead of protecting my account, Chime denied my dispute and failed to reimburse me. On XX/XX/year>, I contacted Chime again because the unauthorized transactions continued. Chime informed me that they had blocked the merchant from charging my debit card. I relied on XXXX assurance that the merchant had been blocked.…

Good evening I received a check in the mail from you all for the amount of {$130.00} during the time XXXX XXXX XXXX XXXX XXXX XXXX and Im XXXX XXXX XXXX at a time so I wasnt able to cash your check the date on the check says it needed to be cashed within a certain amount of days. It said that it needed to be deposited XXXX. Is there any type of way that you can contact me by email or phone? Im trying to see if Im able to steal deposit this check or get it cashed. Thanks again XXXX XXXX XXXX XXXX

I made reservations for a XXXX XXXX thru third party website and got insurance on the trip upon my arrival, I was told I couldnt get the room, which I asked for my money back he said he would call the third party site and release funds after 3 days still no funds I called bank and was assured the money would be back in my account by the end of business day. That did not happen. I called again where I was told XXXX. My claim had been denied, I was never informed of that. When I asked to speak with a supervisor she refused the told me I was not denied that she told me the wrong information, still no supervisor then i was told I would receive an answer by XXXX

Chime has wronged me by closing my account with over XXXX in it. I made a purchase that needed to be refunded from XXXX XXXX. The store couldn't afford the cash amount given so they offered to put on my debit card. I gave them my Chime card and waited the 3-5 business days for them to VERIFY the deposit. After VERIFYING the check days later my insurance company emails me with late payment questions and i realize i cant even login. I then call the number on login screen. I can barely make out what the rep. Is saying but finally figured it out. Since then ive done the necessary steps ( XXXX ) each time no one reaches out to tell me what it is i need to do next.…

On the XXXX of XXXX I had a win from one XXXX XXXX my games of XXXX I transferred it to my savings later in the evening my account was hacked money move from my savings to checking who ever it is bought XXXX XXXX I had XXXX charges on my account from XXXX that I did not do and one from XXXX in the amount of XXXX tha XXXX ones are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last XXXX i have disputed and my account was hacked again this time they canceled the disputes now the back has not given me my money back

On XX/XX/XXXX, unfortunately I went to XXXX. All XXXX where dropped, But during my XXXX two transfers happened taking my account to below XXXX. On the first dispute I told them that, I pointed out that the noted on the bottom was different, that I always pull out my my chime as well which for some reason wasnt taken, these two deposits where why out of character, I told them who and where to call to confirm the facts, they denied my claim. Second time I did all the foot work, their process on the app only allows me to submit one supporting document, XXXX so I called I updated them made sure it was readable, this is a XXXX hour trip for us this wasn't easy to accomplish, they denied my claim at XXXX when the place they had to call the main office closes at XXXX, I was literally just there and this isn't a normal document, it took XXXX trips to get it's a certified copy or an official document it is the best type of evidence it's literally a legal document.…

I am filing a complaint against Chime for failing to properly investigate a clear case of deceptive subscription billing and unauthorized electronic fund transfer. I signed up for a 14-day free trial with a XXXX XXXX company that stated I would be charged {$24.00} a month ONLY if I failed to cancel within 14 days. Instead, the merchant violated the agreed terms and charged my account {$69.00} on Day 3 of the trial. I never authorized a {$69.00} charge, nor did I authorize a charge on day three. This is a known, predatory bait-and-switch scheme heavily documented on the XXXX XXXX XXXX. I have disputed this charge twice with Chime and spoken directly to a manager. Chime has denied my dispute both times, stating the transaction is 'legit ' simply because I signed up for a free trial. Chime is failing to protect my consumer rights under Regulation E by refusing to reverse a completely unauthorized withdrawal amount and date. I demand a full reversal of the {$69.00}. ''