Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: WI

Complaint narrative:
Chime Financial Services This is where it starts XX/XX/XXXX - Transaction with XXXX eats - {$20.00} XX/XX/XXXX - Confirmed there was a transaction hold for same amount The same time that day while on chat with XXXX XXXX  customer service a new charge appeared for {$21.00} pending ( refer to screenshot ) I then called Chime customer service, spoke with a helpful women since I could not simply do it through the App and it told me to call anyways. I then opened a dispute on this charge of {$21.00} along with only XXXX images at that time to upload and also asked why the other pending charge of XXXX was still pending since XXXX had already voided this out. 
I was then told it takes XXXX. ok I then received a reply on the dispute for XXXX and it was declined and closed on XX/XX/XXXX. ( refer to screenshot ) closed by XXXX ( support for Chime ) No reason or detail was given for the decline of the dispute and within my account in the Chime app it showed there were XXXX charges for this XXXX initial transaction of XXXX, and the transaction times & totals were missing and my checking account was in the negative. 
I figured I would be ok with what little money I had in my savings account. And I had just paid up the {$38.00} back into my credit builder account. Then I proceeded to transfer money from my savings into my Credit builder account so i could use my money because my checking was in the negative. 
I was also told that if I needed, the amount of XXXX would be covered while the dispute was going on, and I did ask for that initially, but had not received that within that time. 
So then I proceeded to dispute the outcome on XX/XX/XXXX of the initial dispute and spoke to a XXXX guy and was told that a secured link would be emailed to me for any other documents to be uploaded pertaining to this. I then proceeded to do so since I had many more but the link did not work until I was on the phone again with customer service guy and by him sending me another link, I was then able to successfully upload them and did receive a confirmation telling me that it was successful. ( refer to screenshot ) So I waited on the response and waited and even looked in my app to see if there was status and there was absolutely nothing. 
I then continued to use my savings through this period of only XXXX  days up until XX/XX/XXXX, where I deposited into checking from my savings and no longer in the negative. 
Then the very next day, I had received an " adjustment '' on XX/XX/XXXX for {$21.00}. I then thought, great my case has been resolved and was credited back into my account since I did not see any sort of email or document stating otherwise. But as you can see in the screenshot that there still remained a {$20.00} pending charge from weeks ago but the XXXX pending charge was gone. 
Now, weeks had gone by and until then I received a message telling me that I now owe {$99.00} into my credit builder account. 
Okay, this would be money no matter what or whichever way you want to see it and this credit builder account thing isn't quite correct in my opinion since, there's now money being borrowed nor any over spending going on. 
The amount that I transferred into my credit builder account from savings account at that time was a total of {$55.00} at least ... and again my checking account was in the negative and no status on the reopening of said dispute. 
I then called again Chime support and inquired about the now {$99.00} that was being " charged " to me and telling me I now owe in my Credit builder account and I was also inquiring about why my account is again in the negative of - {$21.00} and why XXXX was trying to charge my checking account ( so I locked them out ) and this was on XX/XX/XXXX The guy from support told me that the {$99.00} was incorrect and that it was lower, which I don't know what he said because for one it was difficult to understand and he was always the one support guy I would get on the phone. I'm pretty sure because it was difficult to understand him. 
He also told me that the reason for my checking to be in the negative was because of the {$21.00} that Chime was only borrowing '' to me while the case was in investigation. s I said that this was weeks ago and I haven't heard anything about it and where it says adjustment, I was never informed about anything or given a status on this also, added that the female support said if and when they take the borrowed money back that they would give me a heads up in advance .. that did not happen. 
I was then told that if I wanted to view the submitted documents and reason for the dispute being closed including the documents I had uploaded, that I can view them all via link provided. 
I proceed to view and there was nothing but the first XXXX initial files I submitted back the first time and nothing more. Not even the second round was not received. Even though I received a confirmation telling me that it was successful. 
The many times I had tried to contact Chime support via phone and even the 3 times I had submitted a " survey " questionnaire " that was first sent to me from Chime, and in these replies, I submitted my complaint and my issue clearly, But nothing was ever replied upon. 
Now my name and an account has been opened in collections for delinquency and what ever it is to the credit bureau spiking my credit down at least XXXX points for a debt of {$99.00} and my checking is again in the negative and my credit builder account is closed and I have not even used Chime since XX/XX/XXXX. I do still have a checking & savings though. But transaction totals are missing within my account again as well and I have also included here all of the documents & screenshots showing all what would be needed. 
Thanks, and I hope this gets resolved. 
- - XXXX

Company response to consumer: Closed with monetary relief