Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

My complaint is against chime for not crediting checking account number XXXX amount remaining owed from dispute number XXXX amount owed to me XXXX the merchant emailed me on XX/XX/year> to provide me with the Authorization Return Number trace numbers needed to locate refunds sent back to chime on XX/XX/year> the merchant XXXX XXXX XXXX has fully corporated in the returning XXXX XX/XX/year> XXXX XX/XX/year> The merchant did provide these ARN numbers for chime dispute team to locate and credit my checking account of my resolved disputes with merchant. 

The merchant also stated chime dispute team never sent them all XXXX charge back request as original stated to me that was recorded. 

Chime dispute team failed to also provide XXXX XXXX the additional charge back request for XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX chime stated they sent over to XXXX XXXX on XX/XX/year> charge back request for all XXXX transactions however that is false information only XXXX charge back request was sent to XXXX XXXX and is still waiting for the remaining XXXX transactions in this complaint to issue refund back to same chime debit card ending in XXXX I want this issue resolved as soon as possible I want my money return back into my checking account I waited patiently since filing my dispute in XX/XX/year> I also never received my additional XXXX provisional credit promised to me on XXXX XXXX I can not reach any dispute agent XXXX XXXX and dispute agent who sent me email on XXXX XXXX but can not reply enclosed is attachment from merchant as proof that the merchant did in fact refund XXXX transactions of my dispute please see ARN to trace lost refunds on closed debit card ending in XXXX and post the credits to my chime checking account. 
It should not take XXXX weeks to post refunds when a merchant already on XXXX XXXX refunded card for XXXX XXXX XXXX transactions and XX/XX/year> XXXX transaction. 

with the substantial evidences I have from the merchant since XX/XX/year> to XXXX XXXX I will seek an attorney to sue for not approximately filing a charge back request for all XXXX transactions and for delaying provisional credit of the remaining XXXX owed to me my funds should not be delayed or not fully provisioned beyond XXXX business days and now there's more errors because chime dispute team never sent to the merchant or the correct merchant all XXXX chargeback transaction. 

I also read negative reviews from other chime customer that chime purposely closed their chime account in retaliation for filing a cfpb or bbb.org complaint. 

I've seen on reviews complaints from other chime agents file a legit dispute and the very next day deny claim stating no error occured well in my case my dispute should have never been denied I believe chime deny claims quickly so they don't have to provide a provisional credit for the dispute amount. 

Payment # XXXX ARN # : XXXX Payment # XXXX ARN # : XXXX I will seek an attorney to sue if my dispute funds are not posted to my chime checking account and made available to me to used. 

I am demanding chime dispute dept to send XXXX XXXX XXXX charge back request for the charge back request chime aleg that they sent to XXXX XXXX all XXXX transactions in my dispute however this is false information the merchant stated in the email I received from them that they only received XXXX charge back request to refund and they did complied and refunded card ending in XXXX with proof enclosed ARN Trace lookup for chime back office team to Trace and post my refunds to my checking account ending in XXXX The dispute agent did not send over on XXXX XXXX all XXXX charge back request in my dispute as original told to me. 

The merchant original stated in XXXX chime must submit all XXXX charge back request to return transactions. 

on XXXX XXXX chime dispute team stated they sent over to merchant all XXXX transactions but merchant only received XXXX charge backs not XXXX I am requesting on XX/XX/year> or after this date to resubmit charge back request on the remaining XXXX transactions that were never sent to the merchant for charge back. 

Chime dispute dept could have sent charge back request to wrong merchant with similar names in the attachments is the correct bank name and info to send the additional charge back request XXXX XXXX XXXX never received. 

I just want my money as soon as possible I've waited patiently long enought I never in my life ever went and beyond in fighting to get my dispute funds credit back into my checking account rightfully owed to me but chime wants to ignore me and not return credits in my dispute back into my account.