Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MO)

I have regretfully used chime bank for over a year now. Not too many issues besides missing transfer deposits from square and coding changes on deposits until recently. 
On XX/XX/XXXX I disputed a total amount that was paid to a company. I immediately uploaded & provided documents, the companys statements etc. Proof in every way possible to prove my case. I would update chime daily with new fresh current documents to help while they were investigating. 
I was anticipating these funds back. The $ had been out of my hands for many months. 
Chime assured me I would at least get the provisional credit of the full amount by XX/XX/XXXX. I patiently waited as I understood the complexity of the account. XX/XX/XXXX {$100.00} deposited from company into chime account. I was happy and immediately anticipated the rest of the {$2000.00} at any moment. Shocked that the funds actually came from the company that quick! Great work chime : ) NO.. 
XX/XX/XXXX, nothing. I called chime on the XXXX. Their response was that the investigation will take time and they have until XX/XX/XXXX to conclude. I respond with Ok, I understand but when will I get the provisional credit of the FULL AMOUNT you promised me by the XXXX? 
They responded with you have received your provisional credit already on the XXXX. 
Wait what?!! First off that money was sent to me from the company not chime! In fact I looked at the companys statements for XXXX and they actually fraudulently charged me that {$100.00} amount as a purchase on XX/XX/XXXX!!! 
With a finance charge added to boot. They charged me my {$100.00} to pay me back my {$100.00}!! Unbelievable-And chime was trying to claim that to be my provisional credit. They even held it from me for 5 days!! I immediately tried to explain to chime the situation expecting them to realize their mess up. I didnt get upset then. I started to get really upset around the end of XXXX. 107 phone calls. 52 hours of wasted phone conversations. XX/XX/XXXX chime denied the entire dispute. Tried to sneak a {$100.00} deposit and then immediate {$100.00} withdrawal from my account at XXXX XXXX. 
Coded the exact same way as the {$100.00} from XX/XX/XXXX. Liars. 
Not only did I beg & call & upload for 45 days. I went as far as requesting a chime member to join me on a 3 way recorded call with the company one night. Both companies recording. I asked the questions and got the proof. I thought they surely cant lose this fight now! Oh but I did. Chime has been aware of missing payments logged provided by the companies own statements and their own mouth. 
Chime still held me, my money & my rights hostage for 45 days. Their song and dance of let me escalate this right away! Look for an email from the disputes investigations team for an update ( 24 hours ). Chimes dispute department % XXXX does not handle disputes. 
You are road blocked immediately when you need answers, action, help, hope, truth, , customer service etc.The emails were generic responses and provided nothing substantial to the specific situation. Hundreds of emails from chime member services. Mostly they reiterated the {$100.00} provisional credit I already received & the XX/XX/XXXX deadline they were working towards. Towards the end the emails were actually directing customers to call only. Email correspondence on disputes were no longer call chime membership for a prompt resolution. Call-please wait for an email from the investigations dispute team. That new policy isnt correct. And over and over and over and over and over. 
Lies & empty promises for 45 days. A complete nightmare from start to finish. No regard for a persons time & their responsibility when handling that essential thing we all need to survive. $ $ $ but hey, they arent a bank, right?! 
XX/XX/XXXX Chime closed my account