Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
Problems with " chime '' started following XXXX XXXX of reliable service. Initially, it was just that I began seeing transaction charges added to every transaction following months of no fees. Furthermore, both my bank and the atm located at my pharmacy are listed as one of thousands of fee free locations '' to this day, yet every single transaction saw fees following a XXXX or XXXX XXXX initial grace period. However, the real problem occurred XX/XX/year>. On that day, my account had an opening balance of {$1600.00}. At XXXX I attempted to withdraw {$500.00} through a cash advance, which is the banks ( XXXX XXXX XXXX method of withdrawing money from my chime card. The transaction declined not once, but twice. I did not think much about as this had happened before at both ATM 's and the teller window. The following morning, I received a notification from chime ( who also sent me notifications that the transactions had been declined the previous day ) that they had deducted the {$500.00} and also {$2.00} for the transaction. I immediately filed a complaint, and was told that they have up to XXXX XXXX to investigate, but in about a XXXX I was eligible for a full temporary reimbursement for the full amount until they finalized their investigation. I trusted this would be fairly open and close since chime would certainly have timestamps indicating the mobile app sent me real time notifications that my transaction was declined, and therefore no money should have been deducted. However, about XXXXXXXX XXXX later I received a notification that my case had been closed and my request for reimbursement was declined. I immediately appealed, and was told that I was still eligible for the temporary reimbursement on XX/XX/XXXX while they investigated. On XX/XX/XXXX I called again and asked where the money was as it had not hit my account. That same day I was told that I was not eligible for the temporary reimbursement and they were sorry for the inconvenience. As if that were bad enough, the day I filed my first appeal, chime immediately restricted my access to my account info, transactions, ability to log in ; etc. etc. It was clear this was all set forth to delay the case and hope I give up. I appealed a second time, and was asked to provide any data I had. I provided the receipts from the bank indicating dates and times of the declined transaction on their end, as well as their close out form the day indicating no overages anywhere and XXXX money disbursed in cash advances.. It also included a letter from their lead teller who waited on me that stated she did NOT give me any money. So now, the bank has provided proof I did not get any money, they did not receive any money from chime, and chime had sent me real time indications that the transaction declined, yet they refuse to reimburse the money. Once again, I am refused reimbursement and my case closed, I immediately file a third appeal and am told to " file a police report '' which I did. The police report contains a statement that the bank verify that I received no funds on that day and I am owed a reimbursement. Still, my case was closed and I was told no reimbursement would be issued. Each time, I requested the documents they used to determine their judgement. Each time I was told they have XXXX days. Each time they took XXXX days. Each time the " documents '' all said the exact same thing. " we determined no error occurred ''. Thats it. Thats all I got every single time. the request is for the data, the evidence. Each time " we determined no error occurred '' ... that was their evidence. There is no way I am the only person reporting these types of experiences. This whole thing has been a huge scam and has deeply impacted my business.

Company response to consumer: Closed with monetary relief