Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (CA)

In XX/XX/XXXX I transferred my money from my money network unemployment card to my chime account in the amount of {$3200.00}. I was told by chime that the deposit takes 7-10 days to process and would be loaded into my account. Chime deposited {$250.00} into my account as a " good faith '' after 5 days of being processed. I decided to transfer the {$250.00} to my partner to pay bills, I was told it could take up to 24 hours for her to access even though in the past I have done the transaction immediately. When 24 hours had passed the money was still wasn't in her account and not showing in my account either. I called chime to ask what was going on, they said that my account had been flagged for fraud. They said that when I sent out the {$250.00} that there was another transaction that was trying to come out for {$110.00} with XXXX. I had said on the phone that I never authorized said " {$110.00} '' to come out of my account by XXXX, because my payments were {$30.00} a month. I then called XXXX to verify if it was my account taking out the {$110.00}. They affirmed that yes they took at {$110.00}, I had mistakenly forgotten about my credit card payment and agreed that they could take the funds. I then called chime back to confirm that it was infact XXXX that had taken the payment. The asked me to provide proof that it was XXXX that took out the payment. I screen shot the payment taken out by XXXX and sent to chime via email to provide proof. They told me that it would take a couple days to un-flag my account. After 10 days of not seeing any change on my account, I got back in contact with chime, they told me that it was still processing and they couldn't do anything until it was done processing. After 30 days, of being told that my money was still processing, I reached out to money network to see what the issue may be, they told me to call the unemployment office. I called the unemployment office and asked what was going on, they told me that I was over paid and that they have been trying to take {$650.00} from my money network account and that account was frozen. I asked them how to resolve this issue, they said that the money would need to be on the money network card so that they could take back the payment. I called chime back and asked them if they could reverse the deposit, they told me I would have to reach out to money network to cancel the transaction. I then called money network back and asked how to go about the transfer back into the account. They said they were able to take the money out and then send the remainder of the balance to my chime account. Unemployment was repaid the money that was owed. I then waited a couple days and called chime back. I asked chime if they saw the new deposit of {$2800.00}. They said that they had received it but it was going to take 7-10 days to process. This time I was not offered a " good faith '' deposit of some of the money. After waiting 10 days and not receiving my money I called Chime back, only to be told that my deposit was still processing. After waiting another 7 days, I called chime back after not receiving my deposit and asked to speak to a manager. The manager said that " sometimes the deposit can get stuck in the processing system and offered me a check for the remaining balance of {$2800.00}. The said that the check was mailed out on XX/XX/XXXX. After 30 days of not receiving the check, I called chime back to get another check sent out, they said that they would send it priority mail with a tracking number. They said that I would need to get in contact with them again to receive the tracking number. I reached out today, XX/XX/XXXX, to receive my tracking number for the check that they sent out, they are saying that the check was sent out but there are no tracking in the notes and that they couldn't do anything for me. This has been an ongoing issue for several months and I just want to know when I will receive my money and what the tracking number would be.