Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WI)

I stayed at XXXX XXXX by XXXX XXXX XXXX where I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX. When I checked in they charged my personal debit card, and on checkout I requested a receipt however the receipt showed my company credit card numbers. I further reached out to XXXX in attempt to resolve this, I spoke to customer service and was escalated to the manager of the hotel. The manager said he could not see any transaction involving my debit card, or he would refund me. He stated he only saw the funds that were withdrew from my works credit card. He sent me an email to assist in a dispute with my bank against XXXX so I could be returned the funds. In the email he states that the confirmation number for my hotel stay was settled with my work credit card ending in XXXX and that no funds are needed from the card ending in XXXX. I then took this to my bank ( Chime ) and filed a dispute. They intially refunded my money, however when the investigation finished they found nothing was at fault and took the money back from my checking account. I then re-opened the case again, and it was closed the very next day stating no wrongdoing occurred. I opened the case a 3rd time and again it was closed 2 days later saying no wrong doing was done and they also did an investigation on their internal systems and found there was no error. In the 3rd email specifically, I created a document and uploaded it to my bank, explaining that the confirmation number XXXX is what I stayed at the hotel under, I show the receipt that shows the payment for the confirmation number was made by the card ending in XXXX. And further explained that my card ending in XXXX was also charged for this hotel stay. I more or less spelled out the situation for them. 

After working with chime further I had talked to the hotel manager again, to which the manager said he saw a chargeback come through in XXXX of XXXX for the card ending in XXXX. He verified with me that this was not the card I needed the money back on. I let him know that he was correct, the card XXXX is my Chime card that I am filing the dispute for. 

The documentation that Chime received back from the merchant 's credit card processing company shows that Chime put in the request using the card number ending with XXXX. However the merchant 's processing company responded showing that the charges were rightfully authorized to the card XXXX, They did not respond at all stating anything in regards to if XXXX was responsible for making payments. This is the proof that Chime has closed this case 6 times now on me. I have once again opened a dispute today. This is an ongoing issue for a year now where The XXXX took my card ending in XXXX as a hold, to which it has cleared their system and been refunded to me, and the only entity that can prove that the money has not returned to my account is Chime. Chime has caused me nothing but headaches and a loss of {$400.00} for nearly 1 year now at this point. 

I am extremely upset by this situation and I want it resolved as soon as possible.