Consumer complaint received 2022-12-14
Company: Chime Financial Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I received an email from Chime saying my account is going to be closed on XX/XX/2022, with no explanation or reason. I then tried to email Chime ( XXXX ) multiple times and have gotten no response back. I called Chime support and was told that they dont know why my account got closed and read the same email that was sent to me with no explanation. I was then given this fake email ( XXXX ) by a customer representative over the phone and was told to send an email asking to appeal my account closure. Another customer representative told me that email does not belong to Chime. I had XXXX transaction disputes that were open during the time they randomly closed my account for no reason. 

The first dispute is a scam on XXXX that was not investigated properly. I was scammed on XXXX for {$1100.00} on XX/XX/2022, and received a candle instead of the XXXX XXXX XXXX I ordered. I tried contacting XXXX and they told me that my account is permanently suspended for violating their buyer abuse policy, even after the fact that was only my second order ever on XXXX. XXXX told me that they cant do about it and I have to make a dispute with my bank. I filed the dispute with Chime in order to return the candle to get my money back and they conducted an improper investigation and used no evidence in order to deny my claim except that XXXX said that I have the merchandise and I never tried to return it or message the seller which I cant do if my account is permanently suspended instantly. I filed multiple rebuttals and they keep denying it with no evidence, since my Chime account is now closed there is nothing I can do. 

The second dispute is a scam on XXXX ( XXXX ) that was never investigated at all. I got scammed for {$940.00} on XXXX  on XX/XX/2022, and received a XXXX XXXX instead of the XXXX XXXX XXXX XXXX XXXX I ordered from the XXXX  app. I send an email to XXXX about the scam and continuously kept getting ignored, so I tried calling the number they have on their website but the number was unavailable. I then filed the dispute with Chime in order for me to return the XXXX XXXX which is worth only {$10.00}, and they closed my account in the middle of the disputes process. I also filed a claim with XXXX about this and they told me the dispute it ineligible for XXXX XXXX protection and they couldnt give me a reason why. They told me dispute it with my bank but Chime has closed my account down after I filed my dispute without completing the investigation. XXXX is now waiting for a response from Chime that they will not receive because Chime has closed my account. 

The third dispute is a scam on XXXX ( XXXX ) on XX/XX/2022, I ordered a pair of XXXX XXXX XXXX Sneakers for {$550.00} and received a replica pair of the shoe. I then tried to send an email to the email address that is on their website saying I wanted to return the fake replica shoes for a refund and was greeted with a messaging saying that email address does not exist. I then called the phone number on their website and the number was unavailable. Then the same thing happened again, XXXX denied my claim and couldnt give me a reason except telling me to dispute it with my bank. Then Chime closing my account after I filed the dispute without investigating it at all. 

Chime has unfairly closed my account for no reason and has failed to tell me why my account is closed or do a proper investigation of my claims. They have lied to me and cheated me out of my money. The disputes team at Chime is horrible, they have laughed at me, told me false information, and have flat out not done their job.

Company response to consumer: Closed with explanation