Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: DE

Complaint narrative:
XXXX was emailed by the company that the money that I borrowed were automatically be deducted on a date which they knew the money would not be in my account because they set up a direct deposit date for me every month! 
XXXX. The money was not there. I received an email that they would take the money out once a deposit was made into my account automatically that was not done. 
XXXX. I was reprimanded by the company with my credit limit being taken it down tremendously after they failed to repay the loan amount, and the money was available for them to do so as they stated that they would do automatically in an email. 
XXXX. I was put on hold several times until I stopped talking so that they could say what they wanted to say, which was something that was not a solution to the current problem. 
XXXX. I am a reciprocate of XXXX XXXX for a XXXX  XXXX, and I was treated as such. I was treated as though I did not know what was going on. They repeated the same thing to me over and over again, which did not resolve the problem they tried to take me through steps to manually pay the loan every month, which would have been late every month instead of them, changing the loan payment date or giving me a viable solution on what they could do to keep this from happening again next month when they know the money wont be there, and I would have to be on hold again with customer service next month with the same problem. 
XXXX. I never cursed at them. I was not disrespectful. I did not yell or become belligerent at any time. The call still resulted in me being told that they have no viable solution for my situation and I was hung up on. 
The loan question was for {$100.00} to be paid back in XXXX increments of {$35.00} apiece which wouldve been a little bit over {$100.00} to repay. 
My direct deposit comes in every month since XXXX  around the same time through this company who pays me a little early every single month. They know exactly when the money is supposed to be directly deposited into my account, but yet they still set up a direct deposit withdrawal date for days earlier then the money would actually be deposited into my account. I have no knowledge of when the money will be deposited besides a calendar, which they do not regularly follow, but they know as a corporation when they are going to deposit peoples monthly XXXX XXXX  checks every month. 
So the money is not available when you set the date to be available. I was penalized through my XXXX pay amount which is a monthly overdraft limit that is given as a subsidy for people who do not have checks every week or to borrow against to be paid back once you get your direct deposit that amount has been reduced by half because this loan payment was late. 
When I asked for a viable solution so that this will not happen every month. They told me they apologize I could go in and make a payment monthly through a manual payment. But that would not and can not fix the problem in which I called for XXXX  nor would it help me in the future because the payments would be continuously late and not only would it affect my credit amount that I can borrow against, but it would also go against my XXXX XXXX which was highlighted and bright XXXX  letters when I was already told that they would, take the payment out automatically on my next deposit date that did not happen. I have been putting in a very compromise situation as someone who receive XXXX  XXXX  for a XXXX XXXX This puts me in a higher state of XXXX  when I cant even trust a corporation to do as they said they would do. It also puts me in a financially compromised situation, because now the money that I rely on to borrow against, which is paid by my direct deposit is no longer available as I am being reprimanded by a company for a late payment, which XXXX  been taken out automatically as I was told it would be and the money was available and it was not done and XXXX being told to fix it by making a manual payment for this month which will not fix it for the months coming. I have XXXX other payments that need to be paid and they are both on XXXX XXXX and XXXX but my checks are not scheduled to be deposited until approximately the XXXX of each month is what XXXX  been told by this company in which my direct deposit this month actually came XXXX days later than the XXXX which was the XXXX at which time I was under the influence that the almost {$200.00} that was taken out had covered the {$35.00} payment for the extra loan of {$100.00}. We are given an almost {$200.00} stipend, depending on your direct deposit amount which was deducted down to {$100.00} for this month because of the late payment of this loan. 

I feel like I am going in circles at this point and all I need is a viable solution of either the payment date being changed. I dont understand why XXXX XXXX reprimanded when I have email stating that they would automatically deduct the money out of my direct deposit when it hit. I think its unethical for them to drop my amount of credit due to an error that was done on the companies behalf. 

Conclusion : XXXX the loan is still late XXXX. It will continue to be late every month until it is paid off because the date is off from when they give me my direct deposit for it to be taken out. 
XXXX. This could potentially affect my XXXX XXXX. 
XXXX. I am being taken advantage of as a consumer when my situation is clear as to how much I make when I make it. 
XXXX. XXXX being given loans under false pretenses that I can have them paid on time every month because the entity in which I am making the loan with is the XXXX who makes the deposit date. 
XXXX. As the next generation of consumers are going to be on the spectrum, I feel as though these type of issues should be dealt with now so that they are not taking advantage of as I am being taken advantage of now.

Company response to consumer: Closed with explanation