Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/year>, I tried to use an ATM that did not give me cash, but charged my account, anyway. It happened at XXXX. I then went down XXXX XXXX to a different ATM. When I saw the charge was not returned, I went into my account ... and noticed a bunch of charges I did not make and was not notified of through the usual channels, i.e. a message from the bank that the card had been used. Seeing all of this, I started going through my account. It took me a couple of days, but I combed over my account starting from XX/XX/year>. I wrote all of the numbers down, and did the math. I then called my accountant and had her go over things. After a preliminary look, she said to go ahead and contact Chime XXXX XXXX, which I did on XXXX, XX/XX/year>, at XXXX. XXXX minutes later, after being transferred I do not know how many times, I was able to get a dispute started for the faulty ATM transaction. My accountant kept going through my account, even after the dispute was started and found huge discrepancies. At XXXX on XXXX, XX/XX/year>, my accountant called to tell me about over {$350.00} that I was unaware of going missing. A total of XXXX charges, to the tune of {$350.00}. All for some game I have never heard of.... and not XXXX  was I notified by message that my card was being used. Another XXXX minutes later, a XXXX  dispute started. But my accountant was not done yet.The charges my accountant found that were not done by myself were as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was I notified that my card was used. No push notifications, no emails. These are in dispute now.My issue is that, due to the faulty charges I was unaware of, my accountant combed through my account, starting from XXXX  XX/XX/XXXX up until today, XXXX  XX/XX/year>. She said that, if she takes all of the deposits and adds them together, then subtracts the withdrawals, fees, and purchases, on top of adding in the credit I was given and subtracting the charges I made after the credit.... my account is over {$90.00} short. I have attempted to speak to Chime, both through the chat feature, and by phone. I kept being told I needed to speak with the dispute team. I tried to do so today, XXXX, XX/XX/year> at XXXX. I was transferred several times, could not get a supervisor on the phone, and after being on the phone for XXXX min and XXXX sec, I was told XXXX XXXXusing my own wordage XXXX XXXXthat they went over it, it is correct, deal with XXXX survive on Social Security XXXX XXXX Due to what was done to my account, and not being notified when my card was used, my phone got shut off, I went without food, and thank the XXXX my landlord understood because I almost got evicted. I am willing to bet that if we start from the beginning of the account, there would be more missing. However, I would just like this made right. I am going to change my bank once everything is fixed, I just do not want to do anything with my money missing. All I am asking is that my account be made correct. I can not afford money coming up missing, as I barely make enough to live on as it is. I would also like to report that you are supposed to get push notifications any time money is added or subtracted from your account XXXX  when I get my direct deposit, most times I only know my funds are there because I check my account. The notification either comes in hours late, or not at all. And, when you call to ask where your money is, and they say you will get a notification so just be patient. No one seems tocare that the notifications are late or never come.I thank you for your time.

Company response to consumer: Closed with explanation