Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
* XX/XX/year> : Went to XXXX XXXX location at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, per Chime app as an ATM, to withdraw cash in preparation for Hurricane XXXX. As I was trying to withdraw {$200.00} cash from my XXXX account, the ATM kept denying my withdrawal despite having {$430.00} at that time. 

* XX/XX/year> : Requested a call back from Chime around XXXX because the ATM would not let me withdraw {$200.00} from my savings account even though I had over {$400.00} and the ATM gives me the option to withdraw the money. The person I spoke to told me I had to move it to my checking account, so I transferred {$200.00} and went back to the ATM. 

* XX/XX/year> : The ATM went through the normal process asking me for PIN and amount to withdraw draw. Then asked me to remove my card and when I removed my card the screen, the ATM machine turned off without giving me the money or receipt. When I asked the person at XXXX about the issue, he indicated that the machine has been having problems but that does not belong to them and to call the number on the ATM. 

* XX/XX/year> : I called XXXX, the customer service number for the ATM machine, around XXXX at ( XXXX ) XXXX and they told me to call Chime and to start a Charge Back process. The person on the phone created a record for the call I made. 

* XX/XX/year> : Requested a call back from Chime and spoke to XXXX to immediately report the issue. Call record ID # XXXX. XXXX indicated that because the transaction was still pending regardless of being an ATM cash transaction which is instant cash and not a credit card or debit card transaction. 

* XX/XX/year> : The transaction cleared my account. I requested a call back from Chime and spoke to XXXX. Filed a claim dispute. The claim dispute number is # XXXX. 

* XX/XX/year> : I received email from Chime that the claim dispute was denied and the investigation was closed and marked completed. Temporary credit was never provided. 

* XX/XX/year> : Requested a call back from Chime and spoke with XXXX from the dispute department. I requested a rebuttal. XXXX indicated that rebuttal claim number is # XXXX. 

* XX/XX/year> : I called XXXX, the XXXX company, and spoke with XXXX. Because I received a denial from Chime, the ATM company will do an escalation request. XXXX indicated that I will receive an email asking for a copy of the denial letter. He said that the call I made on XX/XX/year> was recorded under my telephone number indicating immediate reporting of the issue. 

* XX/XX/year> : Requested a call back from Chime and spoke with XXXX. My partner having banking experience, I gave him permission to speak on my behalf and ask for a resolution as per Regulation E, Chime failed to file a dispute at the time I called on XX/XX/year>. After several attempts asking to speak with a supervisor, she put XXXX ( my partner ) on hold and then disconnected the call. 

* XX/XX/year> : Requested a call back from Chime and spoke with XXXX. Was transferred to XXXX who is a supervisor. After explaining the situation again to XXXX, he requested that the disputes department send a copy of the denied dispute with the evidence they gathered in less than 24 hours ( not business hours ) to come up with the denial conclusion. XXXX confirmed that the investigation team with Chime did an internal investigation and did not reach out to the ATM company to verify the cash withdrawal did not occur, therefore an external investigation never occurred. XXXX was informed this call was recorded and we have a file for the recorded call. 

* XX/XX/year> : I chatted with XXXX through the Chime app asking for status update on the rebuttal request from XX/XX/year> and she just told me that it was still pending and that I can see the status from the app. I shared screenshots with her that I could not see it in the app. After several attempts trying to clarify the process, including the length of time it could take and how to check status, I requested to speak with a supervisor which she initially refused to transfer me over. Then she put me on hold on the chat and never came back after I received a message that indicated that a representative will be with me within 3 minutes. 20 minutes later, no one answered the chat and I discontinued. 

* XX/XX/year> : As of today, I have not received anything from XXXX, the ATM company. I called XXXX at ( XXXX ) XXXX and poke with XXXX. He can see that the escalation request was placed and still pending to be worked. He confirmed that they have the correct email address to reach out to me. He can not expedite the request.

Company response to consumer: Closed with explanation