Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Chime bank through my app and requested them to call me of which I answered the return call in regards to false information that they reported against me, creating an adverse account situation. Upon pulling my XXXX credit report today, I noticed that there was a {$240.00} amount that dates back to XX/XX/XXXX of XXXX and of which Chime is also trying to say that I made a last payment on this amount on XX/XX/XXXX. Nowhere in any of my account statements, do I show going even back to XXXX ( which I downloaded those account statemegnts quickly because they have changed account statement information around on me in the past like in XX/XX/XXXX when they screwed me and I had to double pay my XXXX phone account XXXX TIMES that month when I just finally had caught myself up with XXXX ( which I was proud of doing! ). Anyways going back to this issue : Nowhere in any of my account statements and I repeat NOWHERE, in the XXXX XXXX, in my Checking nor in my Credit Builder account statement either- in not XXXX of these, was there ANYWHERE in XXXX SPECIFICALLY on XX/XX/XXXX, any type of amount for {$240.00} anywhere in any of my statements nor was there any type of payment made to Chime on XX/XX/XXXX. When I spoke with the first woman at Chime today, she she always does when she answers these calls and treats me as if Im stupid and dont know what it is that XXXXhes speaking of or referring to when I know Im not and ended up transferibg me without even telling me she was going to transfer me, over to someone else -who I did not get his name, unfortunately- but this employee then transferred me to the third person on the same call for the same issue today who said his name was XXXX when I asked and and who just hung up on me right now after telling me that he was not gon na be able to help me unless I changed this setting in my XXXX XXXX account under my profile portion of my app under account settings. I havent even had access to my XXXX XXXX account for months and months and months now and I have called Chime bank in the recent past I know for sure, XXXX times on this matter because I have not had access at all to my XXXX XXXX account of which now it doesnt even show up on the main account page anymore, like it used to with Savings, Checking, XXXX XXXX ( the only account that shows up is a checking account ), so why the XXXX XXXX would I change a setting on my XXXX XXXX account section of what I was in when its not even an account that I have any longer with Chime bank apparently?!!!? In fact when I asked XXXX how doing so would fix this adverse account marking on my XXXX credit report today, he then told me to trust him and I told him that I 100 % DO NOT TRUST Chime Bank for several reasons. I stated the reasons why : XXXX one of them being what they did to me in XX/XX/XXXX by requesting that XXXX give back the money that I had used to pay my XXXX account from XXXX- They demanded XXXX to return the money ( mind you I just had received from my direct deposit and paid XXXX with for my past and current bills with them, that they give it back to them, which XXXX had no other option but to do because of legality reasons even though they told me, they did not agree with it. XXXX felt bad for me at that point in time and allowed me to do payments for what I had to end up DOUBLE PAYING them for my phone bill that month after catching up FINALLY from being behind with them for several months, that was XXXX reason. XXXX another reason being that i had called Chime several times on my XXXX XXXX account issue and not being able to have access to it at all with it being grayed out in my app and the fact that they never helped me either time with that matter and that I called them ( which I couldve called them more than twice ), but I know for sure I called them XXXX times on that matter & they never were able to provide me with a solution. XXXX the third reason being is that this XXXX a- hole wanted me to change a setting for a feature that doesnt even exist or show up in my account anymore for so long and account statements show no sign of the {$240.00} on that specific day at all anywhere on these dates for these amounts and yet it can just show up on my XXXX credit repoXXXX XXXX ( I havent even checked the other XXXX credit bureaus yet but under XXXX XXXX credit report, what I pulled up and it showing up as an adverse account stating that I made a last payment for the {$240.00} balance with them, but I was 30 days or more past the due date. This is ridiculous! XXXX told him another reason, in addition to that third reason, is because hes asking me to change a setting for something that doesnt even exist anymore as an account for me with Chime Bank, and also that ( now yet another reason! ) but that XXXXIve tried closing my chime bank account with them on multiple occasions of which they never would do for me and I told him Id be filing a complaint against them and then I asked him his name and he told me XXXX. I asked him for his badge number or his employee number and thats when he straight hung up on me! Unbelievable! At XXXX XXXX is when the call ended. I dont know that that was his real name even, however, funny because its exactly what they do to customers- they rob us of our money! They did to me for months and months at a time and I finally got smart enough to have my direct deposit transferred over to a different bank because I couldnt take it anymore! I felt like I was being completely taken advantage of and treated unfairly, retaliated against and my money stolen from me time and time again each month after having had a large ( what I see as a large ) deposit from XXXX XXXXy XXXX each month, deposited into my account- into my Chime Bank account for over XXXX years now ( ive received this payment monthly since XXXX, but had it direct deposited it into chime bank account beginning in XXXX ) and Ive had it with them! THEY ARE CROOKS!!! I know that they owe me money. More than likely from this XXXX XXXX feature of which I even tried having them stop it and finally gave up as he would not do what I requested them to do. I didnt want it anymore beginning over XXXX months ago and they refuse to remove that feature from my account. Somehow, I ended up with having no money each and every month and being at their mercy, having to ask them for money through some XXXX XXXX XXXX feature, before it even hit the first of the month of which I was supposed to have that deposit for, and when they would offer me loans, of course I would have to take them because I had no money by the time the first week came around of the month of which I was supposed to have the deposit given to me! Somehow, every month, my direct deposit was given to me like almost a week and a half before the previous months end for that following month. I know that they must owe me money and its ridiculous that theyve stolen from me the way that they have and to have been able to get away with it.

Company response to consumer: Closed with explanation