Consumer complaint received 2022-04-24
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I filed a dispute for XXXX transactions on XX/XX/XXXX for charges relating from XX/XX/XXXX To XX/XX/XXXX under the visa code 30 rule that allows consumers to have a time length of up to 540 days. I had contact chime customer support and spoke with their specialist regarding the reasons for the request and provided multiple documentation supporting my request. However each time I would received an email that the investigation team has determined no billing error had occurred and for that reason my dispute is closed. 

Today is XX/XX/XXXX and this is my XXXX time contacting chime explaining that the reason for my dispute was not because there was a billing error. The reason why XXXX filing a dispute is because after making XXXX separate deposits into this merchant I requested a withdraw only to be denied. After doing some additional research i discovered the merchant is operating without a valid license issued by the appropriate commission regulator authority and have been added to the blacklisted for consumers to avoid. 
No license means the company has not been regulated or audited to ensure their operations, XXXX, and services they provide is fair and The establishment itself is following the protocols set by the commission within their jurisdiction. The XXXX XXXX referring to is XXXX owned by XXXX XXXXXXXX XXXX which is a online casino targeting us players. 

I want to make it absolutely clear that XXXX well aware when it comes to gambling there is a very high probability of losing money. I have no issues Accepting responsibility for my actions and that is not the reason XXXX filing the dispute. The reason why XXXX filing a dispute is because the casino has commited unethical business practices as explained by the gambling commission as predatory tactics by delaying Winnings and implementing rules not within their own terms and conditions. I ended up contacting the gambling commission to make a complaint and soon discovered the casinos is operating without a valid license and is unregulated. 

After depositing in excess of over XXXX $ to this company I finally got lucky and won XXXX And was excited to recoup some of loses however when it came time to get paid my withdraw was denied. The casino first accused my account has not gone through the verification process which was their reason for not processing my payment. My account was already approved and I have saved the documents which was given to me by their own security department. 

After providing them the documents the casino Proceeded to say the passport in the document just recently expired in XXXX of XXXX and for that reason they can not process my payment. 
The expired passport they were referring to is the same exact passport witch matching serial numbers they accepted and used to verify my account. I asked the casino if they can show me point to me under terms and conditions Does it say documents are required to be kept up to date? Furthermore under terms and conditon it clearly states that documents are required when processing NEW PLAYERS ( XXXX not new ) and that these procedures are to ensure it be integrity of both PURCHASES and WITHDRAWS. 

However I have made multiple deposits since my passport expired yet the casino never blocked my account from depositing or request documents for verification, it was only when I attempted to withdraw did they decided to enforce a rule that shouldnt have been applied to me in the first place. I asked the casino if they can please give me an explanation and address my concerns however the casino was unable to give a valid answer. The casino proceeded to confiscate my winnings blocked my account and stop responding to my emails and phone calls.

Company response to consumer: Closed with explanation