Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IL

Complaint narrative:
I ordered my food XX/XX/XXXX from a place called XXXX XXXX at XXXX in the morning. at XXXX XXXX  I contacted. XXXX XXXX about me receiving my order because it had already went past the time of delivery. It never was delivered. My order never left the store because the store ended up being closed. still took my order and I was still charged. the first person I talk is XXXX as shown in the files below. XXXX is a XXXX XXXX  representative. I told XXXX my issues which is that the store is closed and I need my money back. XXXX replied XXXX sorry for the miscommunication but I am unable to cancel this order on my end. Request you to wait for sometime. I replied its already been XXXX hours of an ongoing order. XXXX informed me that she could not find the store. Pretty much more and more excuses. As far as trying to get a resolution from XXXX XXXX  every other chat went pretty much like the first one with no one being able to help as that is also in the files of course the same day I filed a dispute on my bank. I found a dispute at XXXX in the morning XX/XX/XXXX I have over probably XXXX calls over the last XXXX weeks about a dispute that has not been solved in involving this case. I want people investigating this because this is equivalent to fraud. Youre telling me the merchant has nothing they can do. The store has nothing they can do and now the bank I told my bank XXXX weeks ago that I want to close my account because they told me I have to wait till XXXX of XXXX for a resolve and thats why Im filing the complaint. Would you be OK with? I recorded todays call the supervisor who basically confirmed all the information I found out. Ive been dealing with a lot of unprofessional representatives who will not and refuse to share their identification numbers. im not eligible for a temporary credit or any type of refund on my bank account because of some article E that chime has which is fine but when I wanted to close my account because Im getting a unjust amount of treatment as a bank account member. that is not protecting the consumer at all. I made a call today at XXXX XXXX  with XXXX the supervisor and XXXX the supervisor of member services, both failing to really give me any identification of who they were. I want this so so I can be able to close the bank account because I am unsatisfied with the timeframe that I was given for us a dispute like this because if it was any bigger number, I would be more angry at the amount that was not credited to me, especially after banking with them so long. people on the merchant side telling me they cant refund me and order was delivered and I got my bank put my dispute off till next year. I want answer and I want a resolve. I was unsatisfied with the customer service rep and all supervisors included. This only raise my suspicion about fraud going on with chime and XXXXXXXX XXXX Here is my audio call phone transcripts- You I just wan na let you know you've been recorded OK Participant Definitely the call is also gon na try to record it for training You Right, right yes sir so what? What's your name again and Participant quality purposes so there's a problem You employee ID? 

Participant You're currently speaking with XXXX. I can give you the ticket number of this conversation. It's only thing I can give you. 

You I would like some like something that I can identify you with like you do not have a identification number or something Participant I can give you the ticket number to find me are you ready? 

You But how that would identify you would identify me Participant Yes, because I'm the one who creates a ticket yes You Was that right? Have you been investigating my dispute or yes or no? 

Participant We're not from the resolution team the resolution team is to investigate that responsibility. We are the dispute team checks the status of the claim and as of the moment it's still on the way. 

You Is still ongoing yes it's been more than XXXX XXXX XXXX  days. Have have I gotten a credit no I haven't gotten a credit because you guys don't rule it and as you guys don't rule it in the lines of it should be it refundable or temporary credit because of what whatever because it is full related delivery related isn't that related but whether or not the dispute is still what it is the dispute now I'm sure I didn't. I didn't put documents and pictures and everything I needed to put to let you guys know the situation so. Delayed and I've called XXXX weeks ago the latest that y'all told me that it'll be solved by XX/XX/XXXX that's an a date that's a date that I got exactly from you guys right and you just usually just confirmed XX/XX/XXXX right so why why do why do I got ta bring it up? I got ta keep bringing up the date like this information. I got XXXX months ago XXXX. I found it when XXXX XX/XX/XXXX. 

Participant Correct Exactly this is the usual dispute calendar days You But I'm not is gon na get ridiculous to the point of I found it in XXXX and I won't get no resolved till XXXX XXXX and that's at his latest date and that's if it get resolved now like I said I'm gone I'm gon na instead of just dealing with you guys like I would deal with you. I'm gon na go to the XXXX XXXX XXXX XXXX and I'm gon na file a complaint there and just let them deal with it. So right now I'm getting out right now. I just want my last update. Give me the Participant All right, I perfectly understand. You'll be long enough for this. 

You last update you got on the dispute. That's why they sent me over here. Got ta talk to supervisor already. They know what I'm on. Just give me my last update so that I can just put my now cause now I'm gon na file my dispute. I mean file my complaint and I'm just gon na let them handle it and me not even worry about it anymore and then eventually just close out completely. 

Participant Apologize to hear that the claim is still ongoing there hasn't been an update yet from the resolution see OK but we can send them a follow up in the request if they could work on it or resolve it as soon as possible but it's not a guarantee so depending on them OK and depending on the investigation OK, cause of the moment it's still ongoing. There's an update yet from that but for the resolution he was doing their very best of take care of this for you and usually they would communicate via email of the member if there is any update. So my suggestion is to keep an eye in your email from time to time You And I understand that in which I have been Participant That's perfect You I know that a dispute takes up to XXXX XXXX  days at maximum which is why y'all saying that I understand that but that's Participant Correct You just that's not in a good timeframe which is why I feel like I got ta complain to the consumer XXXX XXXX XXXX cause this is their lane They're gon na tell you guys OK we need to put this in the forefront because this is not being done in a timely matter and this person has been banking with us know how many years since we started And it just wouldn't make it just wouldn't make sense So I appreciate you I appreciate you. I got my update. It's not. It's not really much that we can be done. We can't expedite the process. We can fast forward. We can't call the person that's Participant I understand You investigating it and be like did you find anything cause there's still no updates Participant That is right there hasn't been no update but You Right right and it's still no no temporary credit no no nothing because I'm not eligible right because something in whatever article E and whatever is Participant Exactly You merchandise and good and is not that correct Yes, I know yeah, that's right. That's right. That's all I was just confirming everything that's all I wanted to confirm. 

Participant That is right according to recreation OK, any other questions

Company response to consumer: Closed with explanation