Consumer complaint received 2021-03-05
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had recently had a item that I ordered from XXXX and I never received item furthermore nobody knocked or ring the doorbell. Anyways the company was really bad and they said I HAD 14 days to deal with shipper and since itv took then 16 days by time for them rely as they ( XXXX ) only has email. This order would occurred on XX/XX/2020 I could be off but I have all the relevant info. I explained that this was not in the terms of agreement or warranty of sale or anywhere in purchasing agreement therfore I could and should not be held accountable. They said tough luck and stop responding to my email so I contacted my bank Chime bank or XXXX and, after waiting 4 months for the decision I was told tough luck. I appealed and have given them evidence including images of terms and conditions agreement warranty and it did not state what they told the bank that I had 14 days to talk to XXXX XXXX. By the way due to covid XXXX XXXX was not able to get hold of a person not that it was my job to call the shipper as I did not have any business contact or relationship with them it made no sense. I was upset with their decision and 4 weeks ago I got in a argument with a supervisor and here 's where things get real real weird. I've had chime for over a year and NEVER HAVE I HAD MY CARD NOT WORK NEVER. So I had in fact just used it 2 min prior and it worked. However as soon as I got of the phone my card no longer worked at atm anywhere and in fact my brother and father both of there chime cards worked fine at same atm. They tried resetting my account where I literally had create a new savings account when I logged in and all my money was in checking. Then when card still didn't work I asked them to send a completely new card and that didn't work. I'm sorry I just don't believe in a coincidence that big where all sudden my account has issues I never had after arguing with supervisor. Regardless it if illegal I would imagine to retaliate and mess with my account. This caused a 2 transaction where I had funds available to for some reason be declined as well to my broker. This caused a margin call and now I lost money because of this banks supervisor and their retaliation against my account. I need a full investigation done into my account or I will just have to sue chime as I'm certain they did something because I called back and I'm 98 % certain I got the same " supervisor " because A he sounded identical to other guy i myself am XXXX and so the 1st guy spoke XXXX and this guy sounded identical yet he denied knowing XXXX but its no way that was truthful. Then he said he was a XXXX I've never had anyone at a bank act like this and this man needs to get charged. What he's done is a CRIME! IT not not be lot lot money but it's the principal I lost XXXX on a bad decision they made an illegal one if you ask me as I thought they had to have a valid articulated argument but they didn't. Furthermore the behavior of this gentleman has left me speechless. I've never had a supervisor do that and then I called back and I am certain he lied and was the same guy so I can't call the crooks that robbed me to help me. I'm hoping with proper info you can help. Let me know what you need from me. 

to arguing with the supervisor and told them they needed to articulate a legal reason as to why my claim was being denied which they had not done. They just sent a highlighted receipt that XXXX sent saying delivered by XXXX but under it clearly says signature not required. Here 's where chime should also seen this item retail is XXXX $ depending on model I got veteran discount so it was XXXX XXXX I feel known the price of the item at minimum they needed to make their shipper aware of the importance of getting signature or at min ring doorbell and get visual confirmation from 6ft. None of this was done it was left unattended during covid when they know this has been an issue!

Company response to consumer: Closed with explanation