Consumer complaint received 2022-04-13
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Starting from the beginning, ( Involving both Chime & XXXXXXXX XXXX ) in XXXX of XXXX, I opened a bank account with XXXXXXXX XXXX online & I was in the process of moving to another city due to a promotion at my job. They sent my debit card to my old address in XXXX, FL so I was unable to access my account online to update anything bcz it required my debit card #. So the account was inactive for awhile & once I finally found a place & had my own address again, I went in to XXXX XXXX  location on XXXX XXXX XXXX XXXX, FL to update them on my new address & get a new debit card issued to me. The representative Never told me that my account was on the verge of being closed & that was on XX/XX/XXXX. I left the bank & went home to update my employer with my routing & account numbers for Direct deposit. At the same time I wanted to make sure my rent payments would come out of my checking account with XXXX because the property management company only accept checking/savings account info to make payments through their website. And most importantly, I set up a transfer from CHIME TO XXXX of my rent payment in the amounts of $ XXXX {$620.00} & {$20.00}. All to cover my {$1200.00} rent payment that was due to be withdrawn out of XXXX on XX/XX/XXXX. Without notification from XXXX XXXX  they closed my account on XX/XX/XXXX. So, my transferred funds from Chime kept being Rejected, my very first rent payment was sent back to my landlord with the notation the the account was closed BY XXXX XXXX ( And That Was NOT True! ) And my direct deposit from my employer was held until yesterday XX/XX/XXXX at XXXX they sent it back to my employer & I will not receive my reissued check until XX/XX/XXXX. Between the dates of XX/XX/XXXX & XX/XX/XXXX I was told the direct deposit had already been sent back, my employer updating me daily that they had not received it yet. All to find out they had my Direct Deposit THE WHOLE TIME & just sent it back on XX/XX/XXXX. Now, the whole time, I'm being charged {$100.00} for NSF Fee & {$15.00} per day late fees by my Property Management Company who could be moving towards eviction processing in the days to come. 
I went into the branch location of XXXX mentioned above & they saw everything that happened with the transactions & could not explain why the account was closed on XX/XX/XXXX after updating my address & reissuing my debit card on XX/XX/XXXX. They said the only department that can look into my transferred amounts was the XXXX dept that did not take phone calls, only communicates through email. Now because of this whole ordeal I'm flagged as a risk to open a regular bank account all because XXXX closed my bank account without my foreknowledge when I came into their branch to update my address & receive a debit card on XX/XX/XXXX. As of now XX/XX/XXXX at XXXX ( I have a phone appt with them at XXXX ) I haven't been called yet. 
( CHIME EXPERIENCE ) On XX/XX/XXXX, I have filed a dispute with Chime to try & get my transferred amounts back in my account that way. 
I received no confirmation by email so I called back the next day & found the dispute was Never Filed! This Chime rep did file the dispute & asked that it be expedited. That same day they emailed me saying my dispute was denied stating the transfers were successful & settled so they will not credit my account. When asked for supporting documents for their decision, Chime said they will email them it to me & as of XX/XX/XXXX at XXXX I've not received anything. 

I called them back today, XX/XX/XXXX at XXXX and was transferred to a person, I told them everything all to find out he was Not a supervisor as I asked for & that person transferred me to a voicemail system. PLEASE PULL AND LISTEN TO ALL CALLS IF POSSIBLE. I called from my same phone # each time. XXXX. 

Still, as of XXXX, I have not received a returned call from Chime Bank XXXX

Company response to consumer: Closed with explanation