Consumer complaint received 2022-05-22
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a new dispute with additional information I submitted a transaction dispute with Chime because I received items that were materially different then described. I even offer the merchant to return the items but I refused to pay for shipping back to the merchant. Chime said they did an investigation but did not provide me any documentation supporting that, but they also did not TILA and Regulation e dispute process and took an exceptionally long time. The other party is providing false documentation with conversation details that never happened. They are committing fraud and Chime is not taking the matter seriously. 

My entire dispute is in the attached document. 

Chime has not provided me with the documentation to show why my dispute was denied. 
This item was sold to me as Like New -- but the item was heavily used and did not come with all the components and programs I was told it would come with. This item is/was Significantly Not as Described The seller even told me the consumer to go and purchase programs to overcome difficulties with the system that were not disclosed to me By XXXX listing guidelines for product conditions my purchase would be considered Salvage. 

Article 2 of the Uniform Commercial Code ( " UCC '' ) governs the sale of goods. According to UCC 2-314, a warranty that the goods shall be merchantable is implied in a contract for their sale if the seller is a merchant with respect to goods of that kind. An implied warranty of merchantability may be excluded or modified by words or conduct subject to the provisions of UCC 2-316. The product I was provided had significant issues, even to the effect that the seller told me to purchase additional items that I was originally told was supposed to be installed and apart of the computer device I bought. 


XXXX has denied my dispute based on the fact that I made alterations to the devices by installing XXXX XXXX. As you see in the image above, the seller told me to do this. As you see in the image below, XXXX refuses to honor buyer protection when alterations or repairs are made without consent. Clearly, I had the sellers consent to do this and I thus should not be blocked from receiving a full refund.

2-513. Buyer 's Right to Inspection of Goods.

( 1 ) Unless otherwise agreed and subject to subsection ( 3 ), where goods are tendered or delivered or identified to the contract for sale, the buyer has a right before payment or acceptance to inspect them at any reasonable place and time and in any reasonable manner. When the seller is required or authorized to send the goods to the buyer, the inspection may be after their arrival.

Under 2-513 it becomes very clear from this statute I had every right to inspect the items upon arrival and to see what was going on with the items. I even notified the seller directly about this, and the seller never responded to my inquiries about the quality of the product. This is also a violation of my rights.

2-714. Buyer 's Damages for Breach in Regard to Accepted Goods.

( 1 ) Where the buyer has accepted goods and given notification ( subsection ( 3 ) of Section 2-607 ) he may recover as damages for any non-conformity of tender the loss resulting in the ordinary course of events from the seller 's breach as determined in any manner which is reasonable.

( 2 ) The measure of damages for breach of warranty is the difference at the time and place of acceptance between the value of the goods accepted and the value they would have had if they had been as warranted, unless special circumstances show proximate damages of a different amount.

( 3 ) In a proper case any incidental and consequential damages under the next section may also be recovered.

4-214. RIGHT OF CHARGE-BACK OR REFUND ; LIABILITY OF COLLECTING BANK ; RETURN OF ITEM. 

Chime also states that I will owe {$1500.00} for a balance that I disputed and did not receive provisional credit for this is misleading and TILA requires them to provide accurate information at all times.

Company response to consumer: Closed with explanation