Consumer complaint received 2023-06-27
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XXXX I was approved for an apartment in XXXX The pictures of the apartment listed on the internet were not the same as the unit that Id signed for. I drove from XXXX to XXXX XXXX and signed the lease upon arrival XXXX XXXX. I paid for first months rent and deposit as well as an additional month of rent. I wanted to pay the rent up so I could just be ahead of things. I didnt expect that once I got to my unit, it would be infested with roaches, dirty and not what was advertised! That night as I unpacked to shower, my friend at the time and I ( my toddler was with me as well ) were attacked by a male that was on bad drugs.. we slept inside of my rental that night up until XXXX I waited for the rental office to open up to let them know I wouldnt be staying there and to grab my refund. After speaking to the property manager XXXX XXXX, she finally agreed to refund me. She said that she would mail me my refund but I didnt have a place to stay at the moment so I had to wait until I arrived back to XXXX to have it sent to my friends residence. The check was initially supposed to be {$2700.00}. 

I received a letter in the mail from XXXX with the incorrect refund amount listed as what was owed. It was basically written document to show what she would pay to me. I emailed her again to get the update on where my money was at because she instructed me that it would be expedited overnight! That was a lie. This was XX/XX/XXXX XXXX. XX/XX/XXXX she responded with a message saying it was issued on the XXXX XXXX. Check # XXXX Amount {$2700.00} I never received this check! I never deposited this check with chime. I never cashed this check. CHIME is where I handled all of my money. 

On XXXX XXXX Chime sent me an email saying that the provisional credit would be taken from me. This led my account to be in the negatives to where I couldnt pay my car note, I couldnt feed myself nor my daughter. My car is repoed! Ive emailed them since this date with proof of me moving out on the XXXX XXXX  XXXX and the emails between me and XXXX XXXX concerning my refund! I keep getting an email stating it takes 30 days to reinvestigate the matter. Its been over 30 days still no update and my money was stolen from me! I feel this is inhumane and unethical. Thats literally my hard earned money. 

As I open the chime app, theres not an active investigation going on either to check the disputes or reopened disputes.. but yet Ive received numerous emails saying that my case will be forwarded to the dispute team XXXX. 

I am extremely frustrated because I literally dont have a car anymore due to this discrepancy. Thats my money and the dragging feet to resolve it is frustrating. This con artist was able to take my money and I dont like how chime has handled it. This is not the first time my money has been snatched from me due to CHIMEs way of doing business.. I am now speaking up because almost {$3000.00} in the negatives is INSANE! When that is my MONEY.

Company response to consumer: Closed with explanation