Consumer complaint received 2022-03-15
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am using the XXXX XXXX service for my car. I signed up for auto payment for their service because I was told I had no other choice. They charged my account for their service fee, but Im also seeing charges that I did not authorize. They charge you for violations ( which I had none prior to this ) and they charge these violations to your debit card without any prior warning. They recently tried to charge my account for {$310.00} with no prior warning and I didnt receive an invoice or any documentation on what that charge was for. 

In XXXX of XXXX I was also told by XXXX XXXX  that I was not allowed to remove my banking information from their system and I was not allowed to pay any other way. I am fine with the monthly service fee they charge, but I did not authorize any other charges be taken from my checking, nor do they call to authorize the charge or give me any indication that they are charging me. I often dont receive invoices after the charges go through. I have asked for a copy of my contract with them and they refuse to provide it, stating it is available in their app, which it is not. 

This company has been holding my car hostage for almost a month now. Theyve locked my system due to my car failing to start. Ive paid a fee to unlock the device which did not work and now theyre trying to charge me an additional fee to come fix their issue with their equipment. I have already submitted a formal complaint to the XXXX and will be taking this matter in front of the XXXX judge soon. This company is predatory. They charge fees without warning and if the account doesnt have the funds to cover their fees, they charge an additional fee. I believe they do this on purpose so they can take an additional {$35.00} for every transaction. They also claim damage to the device without providing proof of the damages. 

I moved to XXXX  from XX/XX/XXXX to XX/XX/XXXX and had a mobile calibration appointment scheduled with them. My car stayed in XXXX  while while we were in XXXX. The calibration didnt work because my car battery had died. I scheduled a calibration the day I arrived back in XXXX, and found my interlock had been locked and my car was unable to start. I was not told about the locked state of the interlock, I found out by traveling to my cars location and it wouldnt start. 

After paying the fee and several attempts to unlock the device, the codes I was given all failed and I was told it was my fault and that the device had been tampered with. My car is sitting in my parents yard and hasnt been touched from XX/XX/XXXX to XX/XX/XXXX and no one had access to the vehicle. There is no way I would have been able to tamper with the device as I wasnt here to do so. Also, my car is stored on a private lane and no one would have access to the car, nor would anyone have reason to tamper with their device.

Company response to consumer: Closed with explanation