Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (AR)

From XX/XX/year>, I have been attempting to resolve the last transactions on my Chime account that are very much connected directly to disputes they have already had to reimburse me for, after having fought for 16 months prior to XX/XX/year> to get stolen funds back that were all tied to the same persons, which, by manipulating, changing, and deleting information from my account records, there is no evidence of any dispute having ever been filed on my account. There's complaints on this site I've filed that have attached documents that prove bank fraud. I have kept all correspondence for the almost 3 years I have been on my own, fighting to simply get what I have repeatedly and irrefutably proven was mine. I have record of rebuttals, appeals, hundreds upon hundreds of automated emails, and as of XXXX of this year, after reaching out to the California financial Bereau that oversees Chime, An email from the Wisconsin Bereau that stated Chime was out of their jurisdiction, and the Arkansas Bereau who could do nothing. Chime 's agents have called in false police reports on XXXX occasions in retaliation to my calls and email requests, as they removed my ability to file, appeal, or submit evidence through their app, which their automated emails compell you to do any time you submit any request in an email, although they have continued to appeal, and place rebuttals via email, automated messages also tell me that the matter can only be resolved through a call. The last call a Chime Agent made to the local police, he told them I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is a very serious crime. As in the false report of. It got me kicked out of my place of residence in the middle of the XXXX XXXX They have told me in emails that the appeal, process, rebuttal, etc, will take 90 days. Over and over. They just sent me evidence that proves the level of negligence with which Chime operates, and all data and evidence I have submitted to Chime, has been submitted to XXXX XXXX  as well, as they are, in fact, the monetary holder. Their answer has been silence, while Chime has continued to use deceptive tactics, the commission of crimes, lying regarding licensing on their own website, and even all these complaints are answered by overseas agents. I have 3 years of this data. The manipulation of my account, and my proof of it, and the last data Chime sent in and of itself proves negligence, and a plethora of violations. The evidence submitted for the latest dispute was rushed badly, the documents used prove and are part of the disputes they scrubbed from my actual transaction data and their dispute records area, in fact, the dispute I'm referring to currently isn't listed. XXXX XXXX  is not an innocent party in any of this. They sent XXXX message, and never again responded after multiple requests to recieve it in a manner I could actually read it. I'm going to blatantly place evidence of financial crimes here, and after 3 years of this, I still know it amounts to nothing. All the things Chime has gotten reprimanded for, yet they persist to act in a manner far worse in dealing with me, and XXXX  knows. No reason to continue, I wait with baited breath for their completely inapplicable response, and this is a very different complaint, as I'm flabbergasted that XXXX  can get away with the level of depravity they do, when there are clear laws, statutes, regulations, etc, put in place, and having knowledge of it does little good when there's no one to enforce it. I do thank all agencies however, for the help and knowledge I've been given.