Consumer complaint received 2021-02-18
Company: Chime Financial Inc
State: WI
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 XXXX disputes open with chime on for a cancelled transaction with it works for {$120.00} and another for a merchandise not as described from finish line for {$160.00}. They denied my dispute # XXXX XXXX XXXX ) via email and stated I need to email them request for documents to support denial, which I did, and have still not received reason for denial. I then received a denial for claim # XXXX XXXX XXXX XXXX on XX/XX/XXXX. I called to speak with a supervisor who advised me they can not provide a denial reason and I have to wait 10 days for them to send me an email with the denial docs. Keep in mind this claim was mishandled from the start when I first sent to dispute form over on XX/XX/XXXX. Initially chime disputed the wrong transaction. Instead of disputing {$160.00} from finishline on XX/XX/XXXX, the disputed {$79.00} from XXXX XXXX. No one called to notify me of this error. My daugther 's school account was locked due to non payment and I called them for more information on XX/XX/XXXX. They advised me I dispute my daughter 's tuition payment and thus they sent the payment back on XXXX. I then called chime and was advised they would cancel the dispute, but the {$79.00} from accelus never posted to my account and I should contact XXXX to find out why. Prior to finding out chime disputed the wrong transaction, I did receive a new dispute form on XX/XX/XXXX, but when I called chime to ask why I received it, I was told by the representative that it was sent in error, please disregard. When I called back to advise that the accellus transaction should not have been disputed, I was told to send the new dispute form to start the dispute that should have been started XX/XX/XXXX, and they would close the credit builder card and put a block on my account so itworks could not keep trying to process the XXXX automatic debit. needless to say they cancelled my card to my checking account instead of the credit builder card and I am still getting notices of itworks trying to debit my account. I then received another denial for the XXXX dispute stating my dispute for unauthorized transaction has been denied. I immediately called and advised I did not dispute as unauthorized, I disputed it as merchandise not as described. The rep advised he would reopen dispute and try to cancel closing of my card. He said the case would be re-examined as merchandise not as described. I received a denial on XX/XX/XXXX for this claim again, which is how we ended up here. I feel like this claim has been mishandled from the beginning. I have never been told that a bank could not provide me a reason for my claim being denied. I also still have not received credit to my account from accellus for the {$79.00} disputed in error. I would like this matter reviewed as I am starting to wonder if this is even a valid banking institution based off of the way they do business. Did they receive the credit from XXXX  and take my credit?

Company response to consumer: Closed with explanation