Consumer complaint received 2022-11-22
Company: Chime Financial Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX XXXX XXXX Sat, XX/XX/XXXX, XXXX PM ( 3 days ago ) to mediator Dear XXXX : I emailed the XXXX XXXX XXXX & they recommended I contact your office. 
My name is XXXX XXXX XXXX XXXX. Hope this email finds you well. 
I'm contacting your organization for assistance with Chime ( Stride ) Bank depositing my {$500.00} in my account. On XXXX I went to XXXX located at XXXX XXXX XXXX XXXX, XXXX and did a transaction of {$500.00} that should've been deposited to my bank card immediately. The cashier informed I could only do XXXX transaction @ that store. I asked for another XXXX location she told me XXXX XXXX XXXX XXXX. So after I did that deposit I went to 2nd. store to do 2 more deposits. In which I did 2 {$500.00} transactions ( {$1000.00} total ) and both credited my account immediately. Once I got home I checked my account to make sure all XXXX deposits were in my account. The 1st one from XXXX on XXXX XXXX wasn't there. I contacted Chime and told it's not showing in my account. Therefore, on XXXX I went back to the 1st store with the receipt to speak to manager XXXX. 
She said they did the procedure correctly and it's Chime 's fault for not being in my account. XXXX took my receipt, my information and said she would check in to it. After 2 days with no response I called her. Still telling me the same thing she talked to District Manager and he said the same Chime is at fault. Now, through this I've been contacting Chime with the information I was given. They're are saying it never came in so send a copy of receipt to XXXX. XXXX the 1st store manager sent copy and I did also. I called Chime again still claiming money not there and haven't gotten emails. I've explain the situation seems over thousands of times, keep sending same email repeatedly but they refuse to assist me. I call explain issue to representative thoroughly, tell them I went to 2nd. XXXX same day and put {$1000.00} on card which came right on my card. They look up my account then tell same as I told them " there's 2 more on XXXX. I keep telling them " that's not what I'm talking about I just told you that '' I even sent email of receipt from 2nd email XXXX. spoke with a Chime manager last week, sent 2nd email with receipt as we spoke. She checked, said it was received. Again, still when I call the same over and over again they don't have my funds nor emails. I haven't had this issue with them before. correspond via email with Chime and all emails been received. So they're saying except for now 1 1/2 months. I know they're lying don't comprehend why. Literally, I truly don't know who ( 1st. XXXX or Chime ) has my funds. However. I believe it's Chime. All I want is my {$500.00} placed in my account. This is extremely mentally agonizing, frustrating, & upsetting. I suffer from XXXX & on medication for it. This is absolutely is/has taken a toll on me. I receive XXXX $ XXXX  monthly. I take XXXX medications and other meds Also, I'm on a fixed income. I can't afford not having my funds. I most definitely want to sue for pain & suffering. I'm aware this isn't a law firm but do you know of any firms that could/would assist me? I don't have a lot of money as I explained ) if know of any please inform me. Thanks. I'm sending all correspondence I sent to Chime ( the emails they never received ) to you also. I truly very much appreciate your time reading and assistance with resolving this situation ASAP. Again Thanks. Look forward hearing from you.. 

Best regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation