Consumer complaint received 2023-02-26
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
First off I would like to do show that the record that I have been using time for almost 2 years now I started to know notice some transactions that was I was load onto my card and for some reason I never saw the money reflected back into my account or I never saw the money I never spent the money so I never really questioned it until I went over my bank statements my bank statement is as follows my time credit bank statement I loaded {$5000.00} on there to pay off my credit and I hopefully that will build my credit a few months later I remembered that I had done this and then I noticed that I never thought of money come back to my card and I never spent the money so I called time to get a printout statement of my transactions and lo and behold on all my credit cards statement from XXXX XXXX reporting agencies they showing that my balance for chime is {$5000.00} I called time and asked him is that money in my account or is that money what is that because every Bank every credit reporting agency shows a balance on my time card at XXXX XXXX dollars they said that money that the money was spent and it just comes it goes back into my security account and they don't pay that bill until a month later which I didn't understand it made no sense at all to me because I never was able to charge it something on my card and it got approved and then I'll pay it back later it was already declined if I didn't have the money on my time card so I don't know why they're waiting a month to pay something back that they having fun in the account right then and there I cross reference this with my other tribe card which is a debit card I noticed on the same month that I put this deposit in for {$5000.00} I'd also made another deposit for {$3000.00} so it was a total of {$8000.00} worth of deposits that I transferred to my debit card in my time card the {$5000.00} is the one that was never spent it was never it was never spent on my behalf and and when I remembered about it it's time inform me that it was just paid off but that money they're not holding money and then they thought it was so far fixed but now that I see my bank statement and from a debit in my time and my credit reporting agency XXXX XXXX I see all those things now I'm 100 % sure that they are basically stolen {$5000.00} for me and I would like my money back as soon as possible I don't condone the square bill collecting or if this is bill collecting because this is your leading me to believe something in your not being 100 % truthful it creates uncertainty and untrust in the financial institution was something I should be able to trust so I'm disputing this much charge with shine and hopefully this with money will be returned to me as soon as possible cuz they have lied to me from this point going forward I submitted documentation saying that if you look at my deposits the time where I deposited the XXXX went back they paid the balance off it was not {$5000.00} matter of fact I noticed that I put XXXX more it was a total than {$8000.00} so they {$3000.00} it was already spent I see where that money was accounted for but the {$5000.00} was never spent and never accounted for and I would like that money back my statements and they told me that that's not they don't hold money they're lying they directly lie to me in my face because they are only money so I need my money to return back to me if you look on my credit statement you'll see my balance it says for XXXX XXXX {$5000.00} if the if the transaction was taken care of in XXXX why does it reflect {$5000.00} is my balance for the whole year of 2022 makes no sense there's only one explanation they have my money sitting there for nothing I can provide the credit statement if I need to

Company response to consumer: Closed with explanation