Consumer complaint received 2021-01-21
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/XXXX I ORDERED SOME THINGS ONLINE AT XXXX. THERE WAS 3 ORDERS. ONE FOR {$54.00}. ONE FOR {$7.00} AND ONE FOR {$20.00}. THE FIRST TWO ARE ORDERS AND THE XXXX WAS FOR A GIFT CARD THAT WOULD BE ON MY XXXX ACCT, WHEN ORDERING ONLINE WHEN YOU ARE FINISHED SELECTING WHAT YOU WANT YOU THEN SUMMIT THE ORDER AND CHECK YOUR ADDRESS AND THEN YOU PAY FOR IT. YOU CAN NOT GET PASS WITH PAYING UNLESS THERE IS CREDIT ON YOUR ACCOUNT AND OR GIFT CARDS. I PAID WITH MY CHIME CARD. FOR ALL THREE TRANSACTIONS. THERE IS NO WAY AROUND. WHEN YOUR PAYMENT GOES THRU YOU ARE THEN GIVEN A CONFIRMATION SAYING THANK YOU FOR YOUR PAYMENT AND THAT YOUR ORDER HAS BEEN SUBMITTED.IT JUST DEBITS THE AMOUNT OFF YOUR CARD .A COUPLE DAYS LATER I STARTED GETTING TEXT TO MY PHONE AND GETTING EMAILS STATING THAT MY ORDERS COULD NOT BE SHIPPED UNTIL PAID FOR, I HAVE ALREADY PADI FOR THE ORDERS WHEN COMPLETING THE ORDERS WHEN I WAS FINISHED SO I DIDNT KNOW WHY XXXX WAS TRYING TO DEBIT M Y CAAGAIN FOR SOMETHING I ALREADY PAID. 
I THEN CALLED XXXX TO SEE WHY THEY WERE TRYING TO DEBIT MY CARD FOR THOSE ORDERS I HAD ALREADY PAID FOR. THAT'S WHEN I WAS TOLD THAT THEY DID NOT RECEIVE THE PAYMENTS FOR THE ORDERS. THAT I NEEDED TO CALL THE BANK { CHIME } TO SEE WHY MY PAYMENTS FOR MY ORDERS WERE NOT SENT OR TRANSFERRED FOR PAYMENT.. AT FIRST I WAS TOLD THAT THEY DIDNT SEE ANY PAYMENTS MADE TO THE MERCHANT, THEN THE NEXT REP I SPOKE WITH SAID THEY SEE THE PAYMENTS BEING TAKEN OUT. ETC. AND THAT DIDNT KNOW WHY [ PAYMENTS WAS NOT SENT OUT. I SPOKE TO SOMEONE TWICE FROM CHIME ON XX/XX/XXXX I WAS TOLD SEVERAL TIMES BY EVERYONE I SPOKE WITH REGARDING MY ORDERS, TOLD ME THAT THE REASON WHY THE CARD KEPT GETTING DECLINE WAS IT WAS INSUFFIENT FUNDS, WHICH WAS NOT TRUE. EVERY SINCE THE COVID19 HAS STARTED I HAVE HAD NOTHING BUT TROUBLE WITH MY CARD, MY CARD BEING UNAUTHORIZED USED.MONEY MONEY TAKEN OFF BY CHIME THAT WAS NOT SUPPOSE TO BE DEBIT FROM MY ACCT. SO I HAVE BEEN PUTTING MY CARD ON OFF FOR TRANSACTIONS WHICH IT KEPT MY CARD FROM BEING USED WITHOUT MY PERMISSION. I ONLY TURN IT ON WHEN I NEED TO USE IT THEN I TUR IT BACK OFF. TO AVOID HAVING TO CALL CHIME ABOUT MONEY BEING TAKING OFF MY ACCT. THEN I HAVE TO WAIT 3-7 BBUSINESS OR MORE TO GET MY MONEY BACK. AND YOU ARE GIVEN A HARD TIME. 
ON XX/XX/XXXX @ ABOUT XXXX I CALLED CHIME ONCE AGAIN ABOUT THE SAME THING REGARDING MY ACCT. I DIALE THE NUMBER FOR CHIME AND I GENTLEMAN FROM CHIME, AND I TOLD HIM WHAT WAS GOING ON AND HE TOL D ME THAT WHEN I PAID FOR MY ORDERS THAT CHIME LETS THE MONEY SIT UNTIL THE PROCESS IS COMPLETE AND THAT MAKES NO SENSE TO ME, IVE ALREADY DID MY PART AS THE CONSUMER I PAID FOR MY ORDERS AND NOW IT WAS THE BANKS TURN TO DO THERE PART AND SEND THE MONEY OVER TO XXXX. SO THAT IS WHY XXXX CONTINUED TO TRY AND PAYMENT IS BECAUSE IT WAS NEVER SENT OVER BY THE CHIME BANK. THEY CONTINUIOUSLY TRIED TO DEBIT MY ACCOUNT UNTIL THEY { XXXX XXXX EVENTUALLY CANCELLED ALL THREE OF ORDERS. AND THIS LAST TIME CALLING AND SPEAKING TO SOMEONE THE CHIME REP WHEN I CALLED SAID THAT HE WOULD HAVE TO TAKE THE BLOCK OFF MY ACCT FOR XXXX IN WHICH I NEVER ASKED TO BLOCK. HE THEN TOOK ME THRU SOME PROCESS THAT HE SAID WOULD TAKE THE BLOCK OFF SO MY PAYMENT WOULD GO THRU, HE HAD ME DOWNLOAD SOMETHING CALLED TEAM VIEWER QUICK SUPPORT AND ANYDESK REMOTE CONTROL. THAT WHEN HE THEN TOOK XXXX FROM MY ACCT AND PUT IT ON MY ACCT LIKE I SENT AND AUTHORIZED FOR HIM TO TAKE THE XXXX FROM MY ACCT WHEN HE WAS SUPPOSE TO BE HELPING ME, I DID LET CHIME KNOW THE VERY NEXT DAY WHAT HAD HAPPENED I FILLED OUT A FORM AND THEY TOLD ME THEY INVESTIGATED AND THAT I WOULD NOT GET MY MONEY BACK. AND I TOLD THEM WHY WONT I BECAUSE I DID NOT AUTHORIZE THAT TRANSFER UR CHIME REP DID THIS THE SOME OTHER COMPANY THAT I DID NOT RECOGNIZE DID A DIRECT DEPOSIT FOR {$6.00}. CHIME HAD ME DO A FORM FOR THE XXXX AND I FILLED OUT A FORM FOR BOTH BUT THEY ONLY GAVE ME BACK MY XXXX NOT MY XXXX. CHIME CAN LOOK AT MY ACCOUNT HISTORY AND SEE THE PROBLEMS IVE BEEN HAVEING WITH MY CARD BEING USED UNAUTHORIZED AND I HAVE NO TIES TO NOONE WHO HAS TAKEN MONEY FROM ME ;. JUST LAST MONTH THE SAME THING HAPPEN TO ME CHIME LET SOMEONE GO INTO MY SAVINGS ACCT TRANSFER MONEY FROM MY SAVING TO MYS CHECKING AND THEN TAKE XXXX FROM ME AND LEAVING MY ACCT WITH ONLY XXXX I DID FILE A POLICE REPORT WITH THE XXXX POLICE DEPT. AND I SUBMITTED MY INFORMATON TO CHIME ABOUT THE REPORT I A FEW DAYS LATER GOT A DEPOSIT TO MY CARD FOR THE AMOUNT THAT WAS TAKEN AND I CALLED CHIME AND GOT A EMAIL AS WELL SAYING THAT IT WAS A MISTAKE DONE BY CHIME. BUT UPON WAITING TO HEAR BACK FROM CHIME I LOOKED UP THE PERSON ; 'S INFORMATION WHO HAD TAKEN THE MONEY, SO HOW COULD IT BE THERE MISTAKE. NOT THIS HAPPENED AGAIN AND XXXX WAS TAKEN FROM ME BY XXXX OF THERE CHIME REPS AND THEY WILL NOT GIVE ME MY MONEY BACK, ALSO I WAS ABLE TO GET THIS INFO FROM THE CHIME ACCT INFO ABOUT THIS PERSON THE NAME SAID XXXX XXXX EMAIL XXXX and a phone # as XXXX this is all i know about this person i dont know nothing about him except he was a chime represenative and he could help. me. this is not the first time this has happen as far as when i order from XXXX the same scenario with the orders and i never get my money returned and my orders get cancel and chime has kept my money. and they even refund money to a card that has been compromised and nolonger being used and the consumer dont know that has happen. chime took my money from me XXXX we are in the pandemic that money that was taken from me was for my bills, my unemployment money, im unemployed due to the covid19 and to have someone just take your money like that is just evil.

Company response to consumer: Closed with explanation