Consumer complaint received 2023-10-20
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at XXXX XXXX I went to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Contact phone number XXXX ext. XXXX. I spoke with a representative named XXXX who was the teller on staff that day. I asked if they could do a cash load of funds to my Chime account. She replied " yes. '' I gave her {$1000.00} to put on my Chime card and an additional {$4.00} which was deducted out of the {$10.00} I gave for the processing fee. ( SEE ATTACHED RECEIPT ) I left and went to get something to eat. Within less than 5 minuets, I checked my Chime account and couldn't understand why my funds was showing as pending, then I say where someone by the name XXXX XXXX minutes later once fund loaded at XXXXXXXX XXXX took my money {$1000.00} and {$40.00} more cash I put to the account. You could see where the money was deposited then pulled then put back in then pulled permanently out along with the {$40.00}. I went back to the check cashing please and snapped. I demanded my money back for I believed the worker along with someone else had stolen my money. I was told that my receipt was proof that they put the funds on the card. I contacted my mother and explained what was going and that I was furious. She advised me along with others to go to the police instead of going back to the check cashing place again, file a police report. I did file the police report the same day. I called chime and they advised that they would restrict the acount for any further access until the dispute was completed. Me and my mother both urgured furiously with Chime for they advised that they would put it into dispute for it appeared that whoever this XXXX is didn't do it along. There was another person involved and we were given an email address of the other party. Chime stated the transaction took place from out of the country. I was broke and really needed my funds back. Chime advised they would call me after two weeks and if the dispute was found in my favor that they would refund my money on XX/XX/2023. XX/XX/2023 came, me and my mother were very angry with Chime for we had not heard from them other than an email that the issue was still in dispute. The police XXXX XXXX advised that they have so many complaints against Chime complaint filed against theft and other issues with Chime. He advised they will not even speak with the police nor listen to them. This ended up going onto now, for Chime decided that they were not going to refund my money and kept my account restricted where I could not use, I didn't to anyway, but I want my money back. Chime told me and my mother that they could not advise nor had to explain why they were not given the money back to me. It is still ongoing and I still do not have my money back. They sent an email stating that I gave two people out of the country permission to take money. They way these criminals went about taking my money to Chime was legit and they were not going to do anything about it. ( emails between me, my mother, police and chime attached. ) Chime also advised the day of the incident to file a police report and send a copy to them and the receipts and anything obtained. Which I did all that they said do to get my funds back. To this day, I am still out of my funds.

Company response to consumer: Closed with explanation