Consumer complaint received 2026-05-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
Subject : Dispute denied after temporary credit ; {$520.00} reversed for XXXX items not received. Unprofessional conduct and call disconnects. Company : Chime ( banking services provided by partner bank ; please route to the appropriate bank and Chime support team ) I am submitting this complaint regarding Chimes handling of a dispute for XXXX transactions where items were not received, as well as the conduct of Chime representatives/supervisors/escalation staff. Summary : I disputed multiple XXXX transactions because the items were not received. Chime initially credited my account ( temporary/provisional credit ), but after Chime denied the claim, the credit was reversed and the funds were removed from my account. The total amount involved is {$520.00}. Importantly, the claim was denied on XX/XX/year>, which was one day before my expected direct deposit was scheduled to arrive on XX/XX/year>. This timing created immediate and severe financial hardship because my upcoming deposit will be reduced by {$520.00}. I have direct deposit set up with Chime and I am a single mother ; this amount being removed right before my deposit will make me late on essential bills and put my household at risk financially. Disputed transactions ( XXXX items not received ) : - {$100.00} XX/XX/year> Order # XXXX - {$120.00} XX/XX/year> Order # XXXX - {$21.00} XX/XX/year> Order # XXXX - {$27.00} XX/XX/year> Order # XXXX - {$120.00} XX/XX/year> Order # XXXX - {$5.00} XX/XX/year> Order # XXXX - {$120.00} XX/XX/year> Order # XXXX Total claim amount : {$520.00}. Claim/Account details : - Claim ID : XXXX - Dispute Type shown by Chime : Debit - Date error reported : XXXX - Account number ending in : XXXX Note : My dispute reason is items not received. If the dispute was categorized incorrectly as Credit Not Posted, I am requesting that it be corrected and re-reviewed under the appropriate dispute reason. Supporting documentation : I have receipts for these transactions and can provide additional documentation upon request ( order details, delivery/fulfillment information, and screenshots of account activity showing the transactions, the temporary credit, the denial date, and the reversal ). Concerns with dispute handling and communication : 1 ) Lack of clear written explanation : I have not received a clear, detailed written explanation of why the dispute was denied and why the credited funds were reversed, including what evidence was reviewed and what specific policy or rule was applied. 2 ) Concerns about investigation quality : Based on the lack of meaningful explanation and the repeated inability of support staff to address my questions, I do not believe the dispute review was handled fairly or thoroughly. I am requesting reconsideration. 3 ) Unprofessional conduct / call handling : When I called for help, multiple representatives, supervisors, and escalation staff were rude and dismissive, talked over me, and disconnected/hung up on me. I did not use profanity or abusive language. I was persistent because this is a serious financial matter and I needed the issue resolved. The repeated call disconnects and refusal to engage meaningfully prevented resolution through normal support channels. Customer impact : - Total amount involved : {$520.00} - Direct deposit is set up to this account - Denial occurred XX/XX/year> and my direct deposit was scheduled for XX/XX/year> - I am a single mother and this unexpected reversal will cause late payments and financial hardship

Company response to consumer: Closed with explanation