Consumer complaint received 2020-11-21
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been with chime bank for a while now and this past year has been awful. They refuse to respond to any support requests, i mean refuse. I have requests that are upwards of three months that have yet to be addressed and even a request to fix my personal information on my account that was incorrect that is over 7 months old and i have spoken with the 13 times and over 100 emails and nothing has been done about it. 
I also have submitted 3 seperate better business bureau complaints about these same issues and have only gotten one response from them and that response was literally a timeline of lies on their part. I sent the correct informtion to them and they never responded. But so far the issues beyond this are : 1. dispute in the amount of {$1200.00}, has been denied several times when they evidence shows that i paid and never received the product. Even have a letter from the company stating that they did not fulfill the order and had no plans on doing it in the future. And also would not give me a refund. That along with a police report, emails from comapny and even complaints from the XXXX, surgeon general and consumer advocates groups, all saying that the best way to solve the issue would be to dispute the charge. The bank has denied it 3 times now. 

2. dispute in the amount of {$860.00} from when i was homebound during covid someone used my card online to book hotels and i disputed this charge, i included a police report and even contacted all of the hotels involved and the person booked the hotels online and checked in under a different name and the card was never used in person and they were all out of my state and during a time when i coudnt leave because i was in the hospital. athey still denied my dispute. 

3. two seperate disputes filed in XXXX small ones for {$120.00} and one for {$24.00} and the comapny never even filed a dispiute or aknowledged my request after countless emails. 

4. after 45 emails and numerous requests for the information they used in the disputes be sent to me i have received nothing. spoken to them so many times and everytime they tell me ten days and nothing shows up. every ten days i request it and nothing since XXXX. 

5. There was an issue with them in XX/XX/2020 where they illegally froze my account and it was frozen for two weeks appoximataly and during that time they received a deposit to my account int he amount of {$1000.00} from the SBA ( small business administration ). The deposit never posted to my account and i have sent them over 100 emails and the sba over 250 emails about this issue and chime has never responded to a single email. 

6. Their service onlie is always being interrupted and i am left without access to my funds during important times and nothing is ever done about it and noone is ever held responsible. 

I have tried so many options and they basically laugh in my face and tell me that theree is nothing i can do. You are my best shot here at fixing a terrible problem with a horrible bank. 

Please Help

Company response to consumer: Closed with explanation