Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (CA)

On XXXX XXXX 2023 i paid for a drone for {$590.00} on XXXX. The sellers location listed was West  Virginia, I figured i would get it in a few days. Well after paying for it it took weeks to find out that the seller was actually in XXXX ( Red Flag # 1 ), then on XXXX XXXX i find out it went to the XXXX XXXX XXXX XXXX and there i waited for a month thinking customs has it and im gon na have to pay some customs duty fee..So on the XXXX i opened a claim with XXXX about it but i still wanted the item and did not want them to automatically cancel the purchase. So i wasnt sure about it so i cancelled the claim the next day cause i did not want to do anything to jeopardize the situation. after another week i called XXXX and they told me that on the XXXX it was delivered to a address on XXXX XXXX  in XXXX  XXXX, Utah. Then i spoke with somebody from the leadership at XXXX and they said that I might get my money back but it wasnt for sure. So i thought well in order to proterct my interest ill open a claim with the financial institution ( CHIME ). So i waited like 7-10 period for XXXX and they said that since i opened a claim with chime that it was no longer their problem. Then i was told from XXXX that the work around was to cancel the claim with chime so XXXX would again have control of the situation in order to issue a refund. So i did even though i exprerssly told him that i didnt like the idea since chime was my last leg to get a refund. So i waited another 7-10 period for XXXX to do their part after that period they said they could not cause the case was still open with chime so i contacted chime and told them that XXXX could not issue a refund cause the case was still open chime then reassured me it was closed so i called XXXX and said chime said it is closed they said ok so i waited another 7-10 period they said denied again cause it was still open i told them i spoke with chime and they told me it was closed. so i contacted chime again and they said it was closed and i relayed that to XXXX so i wait another 7-10 period which at the end of that period they denied me again stating it was still open so i contacted chime again and double verified it was closed then i had to wait another 7-10 period and at the conclusion of that period a supervisor said that the claim will never be reopened since i opened a claim with chime and i said then why have me waste time for 2 months and they went along with tthis repetitive situtation. So i reopened the claim with chime and they had me wait 30 days and only to be told denied. i requested the documents they went off of for their decision. The paperwork labeled XXXX defense summary and it says nothing about it ever being delivered So I been denied 6 times already and they keep sending me that same doc that has no evidencefrom XXXX or XXXX it ever leaving the XXXX. Long story short i contacted XXXX and told them the situation and they did their research and agreed with me that i never recieved the item and that in fact it was sent to another address in another state. They sent me a letter stating these facts and i then submitted a rebuttal to their denial including this letter and they still denied me 2 more times and sending me the docs they went off of and its the same useless doc they always sent me. There is nothing i mean nothing stating that i recieved anything cause i didnt. Yet i send them a statement from the carrier the last entity to handle the package stating they delivered it to another address that wasnt mine. So i dont know whats going on thru their minds but it isnt on the level and it sure as XXXX in my best interest. and instead of going on info they gathered they are going of incorrect doc submitted by XXXX whom even XXXX said that their defense summary is incorrect. XXXX themselves said their doc is incorrect that chime should have issued a refund. Chime does not let me speak with anybody besides the people that can do anything, its the same dispute team that keeps saying the same thing over and over and over again having me wait numerous times. AND I continously tell them how can they come to that conclusion and they say they did the research, wrong. So im just about to call it quits cause the frustration the time, the weeks on end is very taxing. The evidence is there that i presented to them that states it did not come to my address but some other address in another state. So im here in a final attempt to right their wrong doings. I can only imagine how many other people who may have gona thru this ordeal and simply quit, it could be thousands of people.