Consumer complaint received 2023-06-22
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It all started with a hotel stay I had back in XXXX. I stayed at a XXXX XXXX in XXXX XXXX NC for a total of 7 days from the XXXX thru the XXXX. On the day of the XXXX I planned to renew another night because thst is how I'd been paying it was daily. I had to cash a check that day and needed to go 2 towns over to pick it up first. I set an alarm to do it early but my phone died in the night so I woke right at XXXX whrn maid service knocked on my door. I immediately got up and charged my phone a few minutes so I could call up to the office. I explained all this to the office and I asked her do I need to just check out and take my spouse, dog and belongings with me or would they be ok waiting for me to go 2 towns over get my check then cash it and get back there. The front desk girl said oh we will wait for you it's not a problem you go ahead and handle your business. I thanked her and set out on my trip. While I was gone they had a shift change and the new front desk person didn't agree with the agreement already made so they called the police to go kick my spouse out while I was gone. When I got back he was on the curb with our dog and a pile of belongings. He said they hardly gave him any time to retrieve our things then wouldn't let him back in to double check or sweep the room for any more of our things. I had cash on me at that point but I didn't want to stay there again after that. So I went else where. I knew right away alot of my stuff was missing. My expensive perfumes and make up it was all gone. I had full bottles of XXXX XXXX XXXX XXXX stuff and a receipt from less than 2 weeks prior to show I spent XXXX on just that portion of what I was missing. There is no way anyone would throw away entirely full bottles of XXXX. Then my foundation was a commercial bottle that cost XXXX itself. Then I had 3 bottles of XXXX XXXX perfume all bought in a short period prior to this stay. I can prove I was forced to rebuy all these things I already owned. Even my make up brushes I bought an identical set to what I already had why would anyone do that? Well I immediately started calling the hotel about this theft. I called every day for 2 weeks and the hotel kwpt assuring me that they wouldn't throw my stuff oit they have a policy and they hold stuff like this for so long for you to claim it. So they said the maid isn't here but rest assured your things are safe here. But as time kept passing and they were full of excuses like you just missed her and she is the only person with a key to the locker I started getting suspicious. Finally about 3 weeks in I called and this time the lady asked me to hold. She then came back to the line and said she spoke to the maid and they have none of my stuff. She said the maid told her all I left was shampoo, conditioner, a toy and a pair of panties. Well as I immediately pointed out she is lying and you can tell it's a lie because this is what she does all day day in and day out is clean rooms. So if all that got left behind was such none significant items as she named then she wouldn't recall what was left in this room some 3 weeks later. The fact she can name those items means she had a reason to remember it and her reason is she stole all my expensive stuff. I said no knew throws away entirely full perfumes. The woman responded well its not theft if she did take it because you left it behind. I said no ma'am correct I didn't leave it behind your employee and I had an agreement that you broke and you put my stuff out while I was gone so no I didn't leave anything behind and this is theft. She said well what do you want me to do? I said have your manager call me. I never heard from this manager and I mean to this very day. I called and called too. Finally I went to their corporate office and filed a complaint. They called the hotel themselves and they didn't call them back either. They offered me points towards free hotel stays and i declined i said i just want back my things nothing else. Then they offered mw XXXX in cash on the spot and i declined again. Then I was told to give them a couple days if he hadn't called them back either they'd refund my week stay I paid. I called them back 2 days later and they said he hadn't answered them so I said ok then refund my stay. This time they were singing a different tune and said they can't do that. She asked me to hold while she tried the hotel once more and apparently she got an answer this time. She told the manager the situation and that he needed to call me. Then she tokd me I had to wait on his call. I gave it a few weeks he hadn't called and I called them back to tell them. At that time they told me they already closed out my case and can't reopen it so they cant help me. So I went to my bank which is Chime and I disputed the charges for my stay. I explained all of this and I gave them a police report to accompany my complaint and they gave me a credit for the hotel stay cost. Then some how to my shock they managed to find the case against me. When I asked them to show me what they used to make such a decision they sent me the hotels reservation confirmation information page and that was it. Ummm ok I never said I didn't stay there I said I did stay there and they stole from me so what does the reservation confirmation prove again??? So I asked for a rebuttal and I said exactly this. They were supposr to be reviewing it again. In the meantime I went and deposited XXXX in my account. Then I spent the next 3 days trying to transfer it back out. I tried a total of 6 times with 3 different companies. I tried XXXX, XXXX and XXXX and they refused the transfer with all 3 of them. My rent was due Monday and this wad over the weekend so I thought ok ill just have to split the charge to my rent and have them get that portion from chime I guess. Well come Monday when I went to charge my rent it declined and said my balance was insufficient. I logged into my chime to find they took my money and had my account sitting XXXX dollars. So they froze my funds because they wanted the opportunity to take my money and they knew internally they were suppose to decide on my case and they planned to decide against me already apparently. You can't freeze my funds for money that isn't owed back yet snd that is if you decide the case against me but they had no reason to decide against me that hotel broke the law theft is illegal. I said all of this to chime and they haven't had anything to say period yet they also aren't trying to give me back my money either. If I didn't know better I'd think this was XXXX XXXX  XXXX  certainly not mine. They don't have my best interest in mind that is for sure!

Company response to consumer: Closed with explanation