Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I submitted a disbute over a month ago in which XXXX XXXX said they will issue me a refund and I never received the refund or any product. So, I contacted chime and entered the disbute. However, the way they force you to choose from 4 categories that do not fit makes it very confusing and I came to find out this was intentional. Option 1 was for a canceled item and option 4 was for a returned item. To me, both mean the same thing so I entered it as a cancelled item and I provided proof of the email I received from the vendor that I will be receiving a full refund. I then get an email that I am not entitled to a temporary credit. So, I contacted Chime to see why. I was informed that because I submitted it as a canceled item I am not entitled to a credit and that they will update it to the refund did not post and that I will receive a credit within 72 hours. Well, two weeks went by and still no update to my claim. So, I then callback again and a supervisor told me that this was unacceptable and that she will escalate it again and that working 72 hours I will have my money back because she could see the email in which the vendor promised me a refund. Well, its 5 days since that conversation and I still have not received my money back. So, I called again and I spoke with another supervisor who told me I will not be receiving any money and that I need to wait 90 days so they can conduct their investigation. However, there is no investigation. They proved numerous times that nobody views these files or uploads them. I was informed by the customer service agent prior to be transferred to the supervisor that my money is with the merchant and if the merchant does not give it back that I will not receive any money from Chime. I told them that was illegal and that I will be contacting the CFPB. The supervisor then laughed at me and told me that nothing was illegal. However, it is illegal to give deadlines and not obide by them. There are also laws about disbute claims and if I never received any product and the vendor gives me an email stating I will be receiving a full refund and then never sends it to me, that is illegal. XXXX XXXX seems to be the only bank that handles disputes properly. This is the 3rd disbute so far I have had to do with chime. The first 2 disputes disappeared and theyre supposed to keep records of this stuff. They found in the consumers favor on both of the other claims too. In fact both of them were similar situations in which I returned merchandise and the money never posted to my account. I present proof to Chime and they never once gave a temporary credit and every time they side with the merchant even when I show receipts and communication as proof. All chime does is make people wait to the deadline and then they never ever give people their money back. Theyve forced me to pay almost {$1000.00} so far since Ive had chime to merchants after I either returned the items or just flat out never received anything. They are very rude and demanding customer service representatives. They demand respect to ultimately be highly disrespectful.

Company response to consumer: Closed with explanation