Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I booked a hotel room from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX I paid for the room through a third-party website XXXX XXXX XXXX with my XXXX balance and received a confirmation email for the reservation. 

Upon check-in, the employee at the front desk told me she was having difficulty seeing my reservation in their computer system ; claiming that it had to do with the fact that they were a new hotel. She said she would need a credit card from me to have on file. I wanted to ensure that they would not charge me again, given the fact I had already paid through XXXX. The employee assured me that they would not be charging me, just needed the card on file. I provided them with my Chime debit card. 

Sure enough, days later, there was a charge on my bank statement for the amount of the hotel room ( {$120.00} ). After calling around to both XXXX XXXX XXXX XXXX XXXX XXXX, I was basically given the runaround... being passed back and forth between the two companies with no real resolution, even though a XXXX representative confirmed with me that there was, in fact, a double charge on the hotel 's side. I then decided to dispute the transaction with Chime on XX/XX/year> after getting nowhere with the other companies. Then, XXXX instructed me to cancel the dispute with my bank " in order for them to issue my refund ''. So I cancelled the dispute and once I informed them of that, they emailed me to confirm that I should receive the refund within no more than 50 days, and if I did not, to reach back out to them. This all happened between XXXX XXXX XXXX. After 50 days came and went, still no refund and no resolution from XXXX. They just disappeared and continued to disconnect my calls each time I tried to reach out for help. 

So I went back to Chime and reopened the dispute ( XX/XX/year> ). I provided all the supporting documents ( bank statements, receipts, email correspondence ) that they requested to investigate. Every representative I spoke to confirmed that I was doublle-charged and that XXXX did, in fact, promise that I would receive a refund once I cancelled the dispute with Chime. I have made several attempts to dispute the transaction with this bank, and each time they have refused to put the money back on my card, citing that there " were no errors found ''. It has been 6 MONTHS, and still no refund. 

At this point, this can be considered theft. All three of these companies have dropped the ball and seem to care very little about their customers ' needs in a real way. It felt like they were just passing the problem off to the next so that they wouldn't be held responsible. For a simple refund of {$120.00}. To the average American, in this economic climate, that is a lot of money. It makes me not want to use any of their services again in the future, including my own bank. 

Shame on these XXXX XXXX CORPORATIONS for taking advantage and not being accountable.

Company response to consumer: Closed with explanation