Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (AL)

On XXXX XXXX 2023 I pay anyone transferred XXXX to a coworker to chime sign XXXX XXXX  when I contacted XXXX she had not received the funds and informed me she changed her chime sign so I called to try and cancell the transaction its a chime to chime transaction immediate and I called within ten minutes and they couldn not cancell it. Then they told me it will be traceable thru the email so XXXX tried and I called she called no one does anything for either of us. So I requested the person with the same name to refund or pay me even made a notation in the request. I contacted chime thru chat and was told that the transfer was completed and it was the same account now XXXX and I are at odds because I feel she has lied about the funds. She contacts chime and they tell her a different story. So I chat again end up escalated to phone supervisor and after waiting on hold for 32 mins I was disconnected with no return call so I called back and started over. This time I was on the phone for 1 hour and 14 mins transferred and transferred and even had to argue with an agent that I had a right to speak with the XXXX  XXXX  for at least 7 mins to get the supervisor who then proceeds to tell me that the consumer protection policy isnt true that the bank will exhaust their resources to contact the other bank AMD request the funds and since it is the other bank can that not request the other account holder refund the money. As I was denied this. There is nothing they can do I should file a police report I tried unless the other account holder refuses to return the funds there has not yet been a crime. That I simply need to ask my bank to request the refund on my behalf. Chime refuses to do so I am left with no options AMD out XXXX plus I had to repay XXXX to boot. This is just flat out horrible customer service as well as the fact I have had multiple occasions recently that I sent money from my chime to my account at XXXX bank you cant transfer money without it coming out immediately from your available Balence. Yet somehow the funds when the bank to bank transfer was made were insufficient there is no possible way so I lost XXXX more that they claim was never in my account which is not possible when the funds are not available the app will reject the transfer request as your account balence is no sufficient enough to make this transaction they can not explain where this money went other than it was never in the account in the first place as once XXXX  received the funds chime requested it returned. As I said it is not possible to do an ach transfer without the funds being in the account at the time and they are immediately Removed from availability. So I have lost close to XXXX banking with chime and it is getting out of hand I have had multiple fraudulent charges made on my account through online orders and as well as through XXXX. The fact that my funds have disappeared they refuse to help me request that the other account holder refund my funds on my behalf or give me the account Holders information is frustrating its as if they can do what they want financially and there is nothing you can do about it. I have even had an agent tell me before that when I asked for a XXXX  they are all XXXX  or that there is no XXXX  working and there is nothing you can do.