Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime repeatedly deceived me about the dispute investigations and re-applications of my authorization holds. THEY DO NOT RETURN AUTHORIZATION, HOLDS AND PUT THEM THROUGH IN DISPUTE STATUS AS EITHER UNAUTHORIZED CHARGES OR DUPLICATE CHARGES. AND THEN THEY GET RID OF THAT AUTHORIZATION HOLD FROM THE STATEMENT, I HAVE SCREENSHOTS. They removed a transaction from my bank statement that I had filed a dispute on, and they had denied it... tonight, again, they told me the charge doesn't exist, but the charge is in print. I uploaded a conversation from the merchant that proved that they took the three charges. The other dispute that I filed was against a fraudulent company. I repeated that several times to her. After spending almost XXXX hours on the phone on XX/XX/XXXX trying to XXXX incorrectly filed disputes ( which I am finding out in a XXXX call on the next day XX/XX/XXXX @ XXXX were not reopened ), I get an email from Chime saying my account was being closed on XX/XX/XXXX. I am convinced, and almost know for a fact that this was done as a retaliation effort for me hellon, the customer service agent that my complaint is literally why they are involved in a class action lawsuit and investigation right now. In the call XX/XX/XXXX, someone from their " fraud '' department tells me my account is non-compliant with some kind of standard he mumbled with intent. He refused to send me an email with the information. They have caused XXXX of my merchant accounts to be in a chargeback status because they asked for refunds from the merchant instead of return my authorization holds ( for XXXX filed unauthorized charge, XXXX XXXX  duplicate charge ). They think that if they repeat themselves that the issue will change and they like to laugh at you when you say that they're incorrect, and it doesn't matter. If you have documentation, I can upload the screenshots of the original dispute. If do you need. After there, this agent tried to laugh at me and tell me that they had returned. The money that I am talking about without listening to a word. I said, I just ended up hanging up because I am tired of the same exact response every time I file a dispute that is valid. As far as the closing of the account, I am completely fine with it. In fact, I tried to close the account about a month ago, and they told me because I was negative XXXX dollars and XXXX some cents, I could not close it. I told them that I would make it correct. Which I did within a matter of hours? I'm going then. I tried to reach out to the company again to close the account. I did not get in touch with anyone through chat at all like I had done previously and I could not get in touch with the phone line which I feel tracks, phone numbers and It makes it impossible for you to actually reach someone who can help you. 
They our deceptive company, which is obviously not the first time. They have been complained about for the exact same thing, or there wouldn't be a class action suit right now. For it.

Company response to consumer: Closed with explanation