Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

RE : XXXX XXXX Checking Account Number : XXXX XXXX Username : XXXX Dear Consumer Financial Protection Bureau ( CFPB ), On XX/XX/XXXX, while visiting XXXX, I decided to accept an offer to open a Chime checking account. Please see Attachment I ( PDF ) for the offer details. According to the offer, after receiving verification/confirmation from Chime, I was eligible to receive XXXX points as a sign-up bonus if I ensured the following conditions were met : A. Award for enrollment is independent of the award for Direct Deposit. Must be a new Chime customer. For Direct Deposit award please follow all steps below. 
B. Sign up with Chime between XX/XX/XXXX and XX/XX/XXXX to earn XXXX Points. 
XXXX Add your Chime account number and routing number to your payroll contact or service to make payroll direct deposits into your Chime account. 
XXXX. You must have at least XXXX ( XXXX ) consecutive qualifying payroll direct deposits of at least {$200.00} each to your Chime account to earn XXXX Points. The first payroll direct deposit must be received within 30 days of your account signup date. 

I have confirmed with Chimes customer service twice that I have met all the abovementioned conditions to be eligible to receive the sign-up bonus. Below is a chronological order of events which illustrate that I in fact met all the conditions required by Chime and XXXX : A. I am/was a new Chime customer. 
XXXX I signed up and was approved for a new checking account on XX/XX/XXXX. 
XXXX XXXX added my Chime account/routing numbers to my payroll and received direct deposits. 
XXXX I received XXXX ( XXXX ) consecutive qualifying payroll direct deposits of at least {$200.00} each. The first direct deposit was received within 30 days of your account sign-up date. 
o First Direct Deposit : Received XX/XX/XXXX, within required 30 days ( {$240.00} ) o Second Direct Deposit : Received XX/XX/XXXX ( {$260.00} ) On XX/XX/XXXX, XXXX month after opening this new account I became very concerned that the bonus I earned was not yet awarded to me or even showing as pending. I immediately called Chime to try and resolve the issue. After XXXX telephone calls to Chime, XXXX emails to XXXX, and a total of XXXX hours spent on this matter, no one viably addressed my concerns, which remain unresolved. Below is a chronological order of events which illustrate that I in fact met all the conditions required by Chime and XXXX and the run-around Ive received : XX/XX/XXXX : Contacted Chime. Chime confirmed offer requirements were met. Refused to contact XXXX on my behalf. Was advised that while there is a mechanism for Chime to communicate with XXXX, the customer service representative did not know what it was. Referred me to XXXX. 
XX/XX/XXXX : Contacted XXXX via email/ticket ( the only contact method ). Provided screen shot of being an owner of a Chime account ( Attachment XXXX ). 
XX/XX/XXXX : Received a response from XXXX via email. Was advised that they could not confirm tracking and that I opened the account and met all the offer requirements ( Attachment XXXX ). 
XX/XX/XXXX : Responded to MyPoints.com via email. Asked for clarification and advised that Chime confirmed that I met all requirements. ( Attachment XXXX ). 
XX/XX/XXXX : Received a response from XXXX via email. Was advised again that they could not confirm tracking and that I opened the account and met all the offer requirements ( Attachment XXXX ). 
XX/XX/XXXX : Contacted Chime. Chime again confirmed offer requirements were met. Again, refused to contact XXXX on my behalf. Again, was advised that while there is a mechanism for Chime to communicate with XXXX, the customer service representative did not know what it was. Again, was referred to XXXX.