Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (TX)

REFERENCE : Account Number Ending In XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$690.00} To whom it may concern, I want to express my disappointment with the Chime dispute process. I was advised that Chime as a financial company protects their customers. There are some merchants that do not provide the adequate services they promise or advertise. We rely on our financial institutions to protect us during these situations. I filed a dispute claim against XXXX XXXX XXXX through my former bank Chime. When I initially put in the dispute request, I did not advise that an error occurred. I advised that I paid for the service and did not receive the protection. Chime bank denied my claim stating that they did not feel that an error occurred. This lead me to believe and question the authenticity of my dispute. This was for goods and services not received by XXXX XXXX and I had informed the Claim agent at Chime multiple times. This is the second time that I requested a chargeback request and Chime has not done a thorough investigation with my claims. I have filed a previous complaint with the CFP Complaint ID XXXX on XX/XX/XXXX. I am no longer a member of Chime bank since XX/XX/XXXX and had made the following transaction bellow with XXXX XXXX. This is a warranty company that was supposed to offer protection with repairs cost and had a {$100.00} deductible. When my vehicle was broken down XX/XX/XXXX for a timing belt issue, I brought my car to XXXX XXXX XXXX in XXXX Texas. They Estimated the cost of repairs to be approximately {$6000.00}. We went through XXXX XXXX, and they paid out about {$3500.00} dollars and I was stuck with the rest of the XXXX XXXX plus payment out of pocket. I was only supposed to pay a {$100.00} deductible. XXXX XXXX has also been given a class F lawsuit for false advertisement. I filed a claim with Chime and XXXX XXXX for chargeback for the funds that I paid. The Chime Claims representative were not helpful at all and rude. The communication was minimal. No one had a clue what they were doing. They denied my claim and I requested documents that warranted a denial claim and they just sent me my very own intake form that I have attached to this complaint. This is absurd and meant that no formal investigation was done. When I left Chime bank, I was still paying XXXX XXXX XXXX through XXXX XXXX. Its Ironic how I filed the same claim with my remaining payments that were made to XXXX XXXX through XXXX XXXX was able to resolve my matter. XXXX issued credit in the amount of {$390.00} for claim XXXX XXXX. How was XXXX able to handle my claim in my favor but Chime not able to assist me. 

Chime XXXX XXXX Date Amount Merchant XXXX. XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$99.00} XXXX XXXX XXXX I would like to believe that Chime is not looking to save money on their behalf due to the amount disputed. Ideally, I would feel comfortable that as a company you will fight for his or her long-time customer. 
I am a veteran that served in the United States military and know about integrity. I was going directly to the XXXX XXXX XXXX to write my experience with Chime and the details of how I was treated with my dispute. I decided to listen to your agent and let my faith in XXXX interfere. I ask our XXXX to sway the hands of who is working my case to do his due diligence and experience the customer aspect of what is going on. 


Attached are the documents that you requested. 
Thank you, XXXX XXXX XXXX XXXX