Consumer complaint received 2025-09-25 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: RI

Complaint narrative:
On XX/XX/year>, I received a direct deposit that I was unaware of due to the fact that I had received a different check at the same time. On XX/XX/XXXX in the mail I received a check from the same company and wasnt aware that it was already canceled and also unaware that I had already received in direct deposit.I just deposited the check into the account and chime verified and processed it XXXX days later on XXXX, XX/XX/XXXX, I received an email from chime stating that the check was not honored by the bank and then I had to refer to the maker in order to figure out what was wrong. I reached out to the maker and I spoke to them for XXXX days straight, attempting to get answers. They set up an investigation. I just deposited the check into the account and chime verified and processed it XXXX days later on Wednesday, XX/XX/XXXX, I received an email from chime stating that the check was not honored by the bank and that I had to refer to the maker in order to figure out what was wrong. I reached out to the maker and I spoke to them for XXXX days straight, attempting to get answers. They set up a investigation And their conclusion from that investigation was that the check had already been canceled on XX/XX/XXXX and that chime should have never verified or processed the canceled avoided check. Today on XX/XX/year> between XXXX and XXXX I called chime and spoke to XXXX about my issue. I explained exactly what had happened and that I was not a fault of my own and that can look the check had been canceled well before it had already been deposited XXXX said that she was going to do a investigation and when she finished, she told me that they had processed the check and that the bank I had sent the check had requested it back. I informed her that I was already aware of this. I dont know why she already told me that again. I then went on to explain to me again in simpler terms with the situation was XXXX then hung up in my face. I called back no later than XXXX seconds. I was on hold for XXXX minutes when I got off of hold I spoke with XXXX who I told that I wanted to speak to a manager And that I had an issue that I wanted to address. He informed that I was no problem and then forward me to the manager XXXX when I spoke to XXXX, he at first was understanding about the situation. It took him about XXXX minutes to do the investigation after doing the investigation he came back and said the exact same thing that XXXX had already said, and I explained to him that I was already aware of that however, my issue was that the check had already been canceled and I did not understand why they had processed the check if it was already canceled. He continued to state the same thing and not give me any answers nor help. I then asked him what was their process how the check could have been verified if the bank was refusing to honor it how does the bank refuse to honor a check that was already verified XXXX had no answers to this and continue to say the same thing that he had already stated I began to get frustrated and I told him that I was going to contact to CFPB. He said that was no problem. I then asked if I was to forward him the proof of the cancel check with the date on it. What would be the steps then would they return my money? He stated that I would have to follow up with my maker for the check and that it was not a problem of chime, as I stated that I had already talked to them and that it was chimes problem because the check had already been canceled yet they had processed and accepted it. He continued to talk over me and would not let me speak. He then hung up on me. I have an entire recording of the phone call and have absolutely no issues sending it to anyone. Its too big to send or attached to this complaint. I have attached examples of the transcribed conversation and the email sent from chime stating that the bank refused to honor the check if necessary, I can also send proof for the canceled check.

Company response to consumer: Closed with explanation