Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MO)

On Saturday XX/XX/XXXX I was sent a text message by chime bank or XXXX XXXX which ever you want to call it and was asked if i approved a transaction for XXXX for a resumenow I told them no the transaction wasnt mine the said okay mo problem your card was locked anyway so no transactions went through, today XX/XX/XXXX I again had my account locked like usual so I needed to make a payment on my phone bill so I unlocked the card and made my payment my card was unlocked all of 2 seconds and that same transaction came through and was paid so I made my phone payment and called Chime customer service to see why was this transaction still being sent through when I already said it wasnt approved before so the rep proceeded to tell me that they didnt know why but because I called about the transaction they now needed to process a dispute and close down my card I told the representative that couldnt happen and shouldnt happen when you process a dispute thats not the way it should go especially since my card is back locked the representative proceeds to tell me that the transaction were recurring so it would be a good thing I told him no I couldnt I had to pay rent and thats all I have on my account he told me that I would be issued a temporary card I advised the representative that I couldnt use that card at the atm so why would I want that please just let me get my money off first at this point Im ready to close the whole account down so hes repeating his self Im so I asked for his supervisor who gets on the phone and tell me his name is XXXX I asked him the same about the transaction how was it able to be processed and why cant I expedite my card because theres funds in the account and I need to pay rent the rep claimed to not be able to expedite told me I needed to just wait the 7-10 days I told him he was being rude and I wanted to speak with someone else who wanted to help me he told me he wasnt worried about it stated that the card needed to be closed I have a credit card with them transfer my money to the credit card and use that I advised him that would mess with my payment history and credit score I wasnt doing that I asked for corporates number because the representative continued to be rude and talk over me very loudly told me to look on the website and find it myself advised that by law she asked it must be provided the customer refused asked for his name told me it was XXXX I asked for a real name customer lives over seas asked for real name representative asked actual name representative stated I was a racist and hung up on me I tried to call back the customer service number several times and was given the run around I received an email about an hit after the 3rd call for a supervisor the email stated both my credit card and my debit card had been closed due for o harassment of anything I was the one harassed I was told I was a racier by the representative told to go look for it when asked for corporates information and denied when asked for a supervisor I need help! I cant get my money for 30 days until they mail out a check the closed my credit card which will effect my credit and now when I call Im denied all help the last supervisor told me she needed to hang up on me for quality reasons like what does that even mean