Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NV

Complaint narrative:
Switched direct deposits from XXXX to chime. XXXX issue direct deposit on the XXXX of every mont. XX/XX/XXXX was issued on XX/XX/XXXX But XXXX ent to Old bank account and then redirected to chime. Due to this XXXX direct deposit idid not post into my account until XX/XX/XXXX. XX/XX/XXXX! Direct deposit did not post on XX/XX/XXXX. Called XXXX was told to confirm it was sent. Chime representative said there was no deposit at all. Was told to escalate issue needed information I could acquire through XXXX Called XXXX : Representative confirmed that check was issued on XX/XX/XXXX and showed in their system as processed by Chime on XX/XX/XXXX. Requested tracer number for check, was given number. Called chime back. Chime representative told me that she would escalate it and I should look for a email from the escalation team requesting information and a link to upload the documents requested. Received email. Gathered information requested by chime. Sent the information requested using link. A approximate 4-Hour window to get an report was posted in the email. Was told by chime representatives very single time I called that there was no missing check. No missing direct deposit that the deposits at the end of each month were actually the checks for the next month being deposited early. Answered repeatedly every time that my issue date for my XXXX checks was the XXXX of the month. Yet every single time I called the representatives continued to tell me I was wrong that the deposits at the end of the month were actually for the next month just deposited early. This went on every time I called until I finally took a screenshot of my XXXX website page that clearly shows I get my checks issued on the XXXX of the month. Requested that they changed my issue date for my XXXX checks to reflect the correct date that they are issued XX/XX/XXXX. At least two times if not three. Chime Representatives, including managers continued to try to convince me that there was no missing direct deposits. That my checks that were deposited at end of the month, we're actually next months checks being issued by chime early. When I would get someone to understand that the direct deposits were issued on the XXXX, not the end of the month. They would put me on hold to check my account more. Then they would come back on the line and either try to convince me that my payday was the end of the month and there was no missing deposits or they would come up with a new issue as to why I had no missing deposits. During the whole 3 months I've been going through this. I have only gotten three or four emails from the escalation team. Considering the amount of times I called and talked to representatives because I was not getting any answers. That is unacceptable One of the pieces of information that was requested was proof of direct deposit. I tried over and over again to tell them how could I prove or show proof of a deposit that has not been made yet? They wouldn't start the investigation until they got that piece of information. Finally, I asked them to tell me how I could go about getting proof of a deposit that was not made. Told them if they gave me that information I would get them what they wanted. Received an email from escalation team member stating that after thoroughly going through all the interactions we had had and looking at everything, they had enough important information to start the investigation and the missing direct deposit Within 48 to 72 hours after they started the investigation, the funds were found and deposited into my account. XX/XX/XXXX check finally deposited into my account. On XX/XX/XXXX Requested that chime do something to make sure that this issue would not occur again. Nothing was done /changed. My issue date was still incorrect. Call chime to talk to a manager about making sure they were doing something about finding out why my checks were being processed through chime but not being posted to my account. Representative try to tell me that my payday was the end of the month so there was no issue to be dealt with. Asked to speak to a manager. Was hung up on. XX/XX/XXXX again direct deposit posted. Called XXXX the next morning and confirmed that the check was sent and requested the tracer number and Representative confirmed that the check showed in their system as processed by chime on the XXXX of XXXX. Called chime asked to have the case escalated same as last month. Was told once again there was no missing deposit that this was next month 's check being deposited early. After several attempts I finally asked to seek to a manager. Was hung up on Called chime back. Spoke with the manager just to try to get my missing deposit escalated so we could find the money and get it deposited into my account. After the manager trying to tell me the same thing that My check 's being deposited at the end of the month work next month 's checks being deposited early and that there were no direct deposits missing. Manager finally said he would escalate the case and to look for the email. Got email. Put together the information they it requested and using the link sent, uploaded the information requested as well as a screenshot from the XXXX website directly showing clearly my issue date is the XXXX of every month. Got escalation team 's email used link to upload. Requested information and submitted. Didn't hear anything from the escalation team or any chime member at all for several days. Call chime for an update on what was going on with the escalation. Was told there was no escalation because there was no missing deposit. Received an email from the escalation team saying that again there was enough important information to go ahead with the investigation. Within 48 to 72 hours. After they started the investigation my money was found and deposited into my account. Missing direct deposit was posted into my account on XX/XX/XXXX Once again tried to get chime to to find out what was going on that was causing my checks to show processed on the XXXX but not deposited into my account. Also requested that they update my account to reflect my correct date of issue having sent another screenshot from the XXXX website proving I got my payments on the XXXX of each month Information was not updated in account still. Called to talk to a manager about investigating why this was happening and requesting that it be resolved before my XXXX check which was in just a few days. Nothing was done. The account information was still wrong and there was no investigation at all. XX/XX/XXXX no direct deposit in account. Called XXXX got the tracer number got it. Confirmed that it was sent and it showed in their system processed by chime on the XXXX due to the third landing on a weekend day. Called chime the next morning 'XXXX XXXX XXXX. Requested that they Escalate missing direct deposit to start an escalation. Was told once again there was no missing deposits. After several minutes arguing with the representative he finally offered to let me speak to a manager which I requested earlier in the conversation. Took about 15-20 minutes for manager to get on the phone. She was rude and obviously had looked at my account and decided exactly what she was going to say because she started right away by telling me that my payday was the end of the month and that these checks were deposited at the end of the month. Were actually for the next month. Just deposited early .. when I tried to say something she talked louder and faster and then ended with and with that being the case there's nothing more I can help you with. So I'm going to end the call and she did. She was extremely rude. I even went to the trouble of figuring out a way to prove that there was a missing direct deposit. I sent a screenshot of my direct deposits from my chime account showing that I only had to date three direct deposits. Advised that if the XX/XX/XXXX direct deposit was actually posted on XX/XX/XXXX. Just early then where is my fourth direct deposit I started my direct deposits in XXXX. I should have one for XXXX, one for XXXX, one for XXXX and one for XXXX. There are only three direct deposits posted into my chime account. Do the math there's a missing direct deposit. That's when they started not dealing with me at all I realized. I needed to have the case escalated to stop chime from keeping my money. Decided to write corporate about the situation .. emailed. I decided to email All three corporate emails offered. XXXX XXXX XXXX On emailed on XXXX XXXX Decided to online chat and find out if my case had been escalated yet. Was told by online representative there was no escalation going on. That he would go ahead and request the escalation. Only heard from one corporate representative and that was XXXX. Told me she was going to investigate or have the issue investigated and she would get back to me as soon as she had some news. Received a response from XXXX stating that she had investigated the XX/XX/XXXX check/ missing direct deposit. Replied that the XX/XX/XXXX check was not the one that was missing. It was the XX/XX/XXXX direct deposit that was missing and requested that she do an investigation on the missing XXXX check/direct deposit. Have not heard anything from corporate since I responded requesting the XX/XX/XXXX check/ missing direct deposit investigated and found. So right now as it sits there is no investigation being held for my missing direct deposit for XX/XX/XXXX. XXXX.. I have exhausted all avenues that I can find and at this point I do believe that nobody is doing anything about this which means chime would keep my money and I'm XXXX I need to mention a few things during this whole process Chime Representatives were extremely rude and not listening to what I had to say. So the ongoing issue of that information in my account for the representatives to look at made it look like my pay date was the end of the month which it was last year No matter what I tried they would not believe me and stuck to that. They got tired of me repeatedly calling and wanting my check to be found in deposited. They started to get upset with me because I got tired of hearing the same repeated information every time I called knowing that wasn't the case.. I was hung up on several occasions throughout this whole process. When I called a few times there was no voice on the other end of the phone. It had gotten answered but nobody was saying anything. I said I will stay on this phone until you answer. I will not hang up. My account information regarding the issue date was not updated correctly until the middle of XXXX. I could really go on and on about how bad this issue has been for me. How much it has cost me what it felt like being told time and time again. I was wrong when I knew I wasn't being hung up on being told that there was escalations that weren't requested and just having no information at all for weeks at a time This has affected my life greatly as I am XXXX XXXX XXXX and I live from social security check to social security check. I am homeless due to buying a car from a crooked dealership which ended up with me losing my car and then my job and then my home. I am homeless I only receive {$1100.00} a month for food stamps. Nevada. So I've gone hungry the last 3 months for at least 2 weeks of the month My dog is one that the dog food offered is cooked in such a way that it is damaging and actually killing our dogs. It has already cut the lifespan of big dogs in half. I had been dealing with this issue for a year and a half before. I finally found out it was the dog food and my dog suffered some XXXX XXXX until I got him on the farmer 's dog food human grade dog food. This cost me {$250.00} a month but my dog is like my child and especially being homeless. I'm not going to do anything but treat him the best I can The last thing I want to do is have to feed him the food that is actually killing him which makes me feel like I'm killing him but with this issue ongoing with chime I've had to take him off at three times This means each time I feed him he is occurring more damage to his XXXX and I have no other choices as they offer no other dog food out there So at this point I'm going hungry for 2 weeks and my dog is eating food that is killing him all because of chime I have incurred a lot more XXXX and hardships because of this and just want my money deposited into my account the day it's issued since it says processed by chime on the XXXX each month Called chime back

Company response to consumer: Closed with explanation