Consumer complaint received 2022-04-15
Company: Chime Financial Inc
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I made a purchase off a website called XXXX  I was 2 get XXXX XXXX  guests 2 sets. XXXX dollars a piece plus express shipping.. XXXX to XXXX ky. I clicked buy now entered my credit builder cards number and clicked ok. I recieved a confirmation email then. From XXXX. Which made no sense. And a comfimation from XXXX. Pictures will be included. Then XX/XX/XXXX I recieved a delivered messaged. Went home and recieved nothing. So same night I filed a dispute with chime. Was told it would be roughly 30 day and max 90XXXX 
So I had also filed one with XXXX. Same order but different disputes. I told chime I never recieved package. And XXXX  that I was scammed. XXXX told me they had a 10 day policy and if I was telling truth I'd be paid on XX/XX/XXXX. So on the XXXX I call XXXX. Was talked to as if no dispute existed. Talked for a few hours and someone in management told me I had to cancel dispute with chime. They can't help me with a dispute current with chine. So I cancel the dispute with chime. Called again next day. Once again was treated like no disputes ever was request. Then get moved around. Am finally told that they will never be able to help me because I filed with chime. I demanded to speak to someone higher. Then again someone else. Finally ingot someone again management that told me I'd be taken care of within 5 days. She understood and refund would come. 2 days go on I call XXXX  back. Was told no one had told me there. And had unpleasant back and forths for next few days. But same day I called and was told no. I rebuttaled only maybe 2 days after I had closed. Possibly 3 but still within 72 hours. So after filing rebuttal I wait a few weeks send un even more information Traching numbers no package shipped. 
XXXX post no info The website XXXX had changed. I sent that information. 
I also emailed XXXX and have been ignored for a while now. 
Pics also included. 
So I was talking to chime. It was sided with the merchant I'm told. In app .. so I call am told it's not. That they were wrong. Again told same I. App. Again lied. I have been hung up and completely disrespect by chime and XXXX staff for a while now. So then they start ignoring my messages. I call. Get put on hold and magamant tells me he's going to escalated it. In a chat I'm told we're are going to put you through to disputes team for escalation and it takes days to get a respond. 
I asked for a copy of the investigation. Am told oh you should have it within. Ten days. On day either I call and ask where it is. Am told they can not swnd it till its over. I say I gave all the proof possible receipts. Comfimations. Emails of scammer. Proof his XXXX  account account was gone. 
Proof XXXX was gone and not selling said items. Proof XXXX had took money without authorization. Proof is I ordered an get a email saying I'm a guest and need to validate an account. And this transactions not on my XXXX  account and use had XXXX  for years on years .... 
I included many screenshot and have been lied to over and over. Not package was sent to the US according to message board from XXXX website.. it was sent in XXXX to XXXX. And the tracking tells I was scammed they say. I included that screenshot to chime. I gave a reference number to chime giving access to XXXX  chats with me included that they know 100 % I was scammed. Then XXXX XXXXXXXX tracking update showing it was delivered to XXXX. And us never recieved it states. 
It's keeps going. First it was XXXX has 30 days. Then it was merchant has XXXX. Then XXXX. Now it's coming on this and chime refuses to tell me anything. Even who the merchant it. XXXX. XXXX. Guy who ripped me off. And they just make mee want to go nuts and throw stuff around and go crazy

Company response to consumer: Closed with explanation