Consumer complaint received 2024-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Chime Financial Inc (KS)

Dear Sirs, In early XXXX I took out a payday loan from XXXX XXXXXXXX. Later that month on XX/XX/year>, I filed a XXXX  XXXX bankruptcy. The XXXX XXXX Chime was sent a notice to the creditor from my bankruptcy attorney. 

I have evidence of the following and would be happy to email you copies of all correspondence. 

On XX/XX/year>, I contacted XXXX XXXX XXXX customer service number and notified them of the bankruptcy. Their position was that I had to pay the money back or they would garnish my XXXX check upon its deposit into my checking account. 

I then faxed and emailed a copy of the notice of bankruptcy which quotes bankruptcy law that, " I then emailed their XXXX leadership including members of their corporate governance council. This included their Chairman of the XXXX XXXX XXXX, their president, and their general counsel. 

On XX/XX/year>, I received an email from XXXX  XXXX executive communications department acknowledging that these executives had received my correspondence however collection activity continued. 

The Notice of Bankruptcy I sent to them outlines the Bankruptcy law that, " .creditors can not sue, garnish wages, assert a deficiency ... or otherwise attempt to collect from the debtor. Creditors can not demand repayment from debtors by mail, phone, or otherwise ''. 

On XX/XX/year>, I received an email from XXXX  XXXX customer service department advising they would not be discharging the debt that I needed to pay it back. 

On XX/XX/year>, I was emailed a statement from The XXXX XXXX Chime advising me to pay the {$120.00} for the payday loan which stated, " This is the balance you still owe, which we will attempt to repay with your next direct deposit. '' On XX/XX/year>, I received an email from XXXX  XXXX XXXX XXXX Department reaffirming their position. 

On XX/XX/year>, I was emailed another statement demanding payment or XXXX  XXXX said they would take the money out of my XXXX check. 

On XX/XX/year>, I emailed XXXX  XXXX XXXX leadership reaffirming my position that their collections activity including threats to garnish my social security check were in violation of the stay of execution granted by the bankruptcy court and that the notice they received both mailed by my attorney as well as mailed, emailed, and faxed by me to them clearly stated that, " .creditors can not sue, garnish wages, assert a deficiency ... or otherwise attempt to collect from the debtor. Creditors can not demand repayment from debtors by mail, phone, or otherwise '' and they are in violation of said law. 

To date, XXXX  XXXX is continuing to pursue this discharged debt despite receiving notice, having their general counsel, president, and XXXXXXXX XXXX XXXX XXXX all being made aware of the situation. Their actions are a flagrant violation of the law and show a clear pattern of ignoring US financial law, US Bankruptcy law, and Consumer Protection Law. 

Since XXXX XXXX operates out of your jurisdiction I kindly ask that you open an investigation and since the individuals involved are leadership I ask that you pursue this to the fullest extent of the law because if they are pursuing me while ignoring the law they are certainly pursuing other consumers while violating their rights under the U.S. Bankruptcy Code. 

I have origional copies of all correspondence for your review. 

I have also emailed several attorneys with your agency.