Consumer complaint received 2023-04-12
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I tried to mobile deposit my last check I received from my employer XXXX XXXX. When I was employed with XXXX my check was always direct deposited into my Chime checking account and there never was a problem with them accepting the direct deposit. I quit XXXX. and they mailed my last check which was {$840.00}. Since Chime is an online bank the only way to deposit this check is through mobile deposit. Before I mobile deposited the payroll check I checked Chimes terms to see how they wanted the check endorsed for mobile deposit. I also watched XXXX videos too and I endorsed my payroll check just as specified in Chimes website. I signed the back of the check and also wrote for deposit only on the back of the check. I took a picture of the front and back of the check and submitted to Chime for mobile deposit. Less than 5 minutes later I received an email from Chime stating the deposit was not accepted. Thinking I did something wrong I rereviewed the policy how to mobile deposit a check and I had everything correct so I resubmitted the check again and less than 5 minutes later I got the same response that the deposit wasnt accepted. I tried several times again and I got the same message over again. Frustrated with mobile deposit I found a phone number for Chime on XXXX. I called and spoke to a CSR and she told me that my check wasnt accepted because I tried to deposit it too many times. Not satisfied with her answer I asked to speak to a supervisor and she told me I tried to mobile deposit the check 7 times. I asked her how could you deny the mobile deposit from the same company that direct deposited in my account every 2 weeks. She had a scripted answer to my question. Frustrated with her scripted answer I asked to speak to a supervisor. I spoke to the supervisor and posed the same questions I asked the CSR and she told me I tried to mobile deposit the check too many times and not to submit it again. Considering I need to pay my rent and some other bills this check needs to be deposited and that answer is unacceptable. I suggested to the supervisor to call XXXXXXXX XXXX to verify that the check is valid and she flat out said no she wouldnt do it. By this time Im in tears because all shes doing is apologizing while saying theres nothing else she can do. Taking a shot in the dark I asked to speak to another supervisor and she put me in contact with another supervisor who was just as useless as the one I was talking too. Everything she said was just as scripted as the last supervisor but she threw in that it was the Federal Reserve who made up this policy. I asked could she send me a copy of this policy from the Federal Reserve and she told me to go to the Federal Reserve website to see this policy. I asked if this is a policy of the Federal Reserve why come this policy wasnt on the Chime website and she went around that question and really started lying. By this time Im hysterical because theres no way that I can deposit this check and no one including management from Chime was willing to help. Now I have a payroll check that I dont know how to deposit because Chime will not accept my mobile deposit. Please help!!!!!

Company response to consumer: Closed with explanation