Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have uploaded document after document to Chime, and disputed the charge. The dispute was denied, I'm pretty sure when I receive the dispute denial that it will be lack of documentation. There are a lot of complaints against this company stating that denials for disputes were because of lack of documents. I received an email from the dispute team and was told I needed to upload documents, that I had already uploaded, I was told that it was an automated email and to ignore it. After the denial I set in motion to close my account. I have read horror stories from this company, and Chime has BY FAR the worst customer service and is the worst company I have ever dealt with. I was told by 1 employee I would have the reason for the dispute denial in 5 days then another employee told me 10 days, Still waiting on reason as of XXXX. I talked to another girl on XXXX, XXXX, she set a rebuttal in my name after I told her over and over, not to ( Isn't this illegal?? ) I kept asking for a supervisor and she said that a supervisor could not set up a rebuttal in my name and would not connect me, as she continued setting up the rebuttal without my permission. Chime denies dispute charges and rebuttals for unauthorized charges over and over to many people. I was told by an employee that I could set a rebuttal after my account was closed, then was told by another employee that I could not after my account closed? I have contacted the XXXX and still waiting for a response from Chime. I wish I would have read the reviews before opening an account. SO YEAH RUN FAR AWAY FROM CHIME!!!!! Absolutely horrendous company Here 's why I set up the dispute. Sorry a little long. This is mostly for chime to read. 

I purchased A XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. If hardwired to the car it has a parking mode with collision detection, when the car is off. I called XXXX XXXX talked to XXXX and set up an appointment to have my camera installed on XXXX was {$150.00}, plus I tipped him XXXX dollars to hardwire the camera. Bringing it to {$160.00}. After the install was complete after I got home, I was messing with it everything was working when the car was on but It would not do anything with the power off. So I called XXXX and told him nothing is working with the power off. So, he said " well I know It's wired correctly so it has to be with the unit. '' So, I was like ok so I contacted XXXX Support starting XXXX, which I uploaded a picture of the conversation. They were on XXXX holiday till the XXXX. They answered on around the XXXX stating me to have them check the wiring, because most of the time people usually have the XXXX wires switched. I uploaded a pic of that answer from XXXX. So I called XXXX back and told him that I was going to pick up all the stuff that, I left there because if I have to send the camera back. 

Before I went to XXXX  I was thinking maybe I should get a second opinion, maybe this guy doesn't know what he's doing. So I contacted XXXX stereo on XXXX, ( XXXX ) spoke to a guy name Gee. He texted me and had me send pics of what was going on, I uploaded the pics of that conversation. So then he told me XXXX dollars to rewire it. So I went to XXXX 's to pick up the stuff and I told him I was going to XXXX stereo to make sure it was wired right. He could have said i will check XXXX wiring, instead he called me an a-hole. I was like whatever. So I went to XXXX stereo and talked to XXXX. He got in my car drove it around for a minute, or XXXX, if even that he didn't pull it into the bay, he didn't look at the wiring. Regardless if he did or didn't he didn't change anything, and I didn't pay for any services. He then came in and said it's with the camera. So I actually called XXXX and actually apologized to him. 

So, I ordered a replacement camera and received it the next day. The second camera was doing the exact same thing everything worked when the car was on, but nothing worked when the car was off. So I was back to the wiring, I didn't think I would get XXXX cameras that were defective. So, I texted XXXX, and told him, I'm going to have the wiring checked and if it was wired wrong I would dispute the charges, again he could have said bring it over Ill check the wiring, but he didn't answer me. so I contacted a few places to get estimates, I talked to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and told him what was going on. He told me XXXX, the lowest price I paid XXXX with tax. So I set an appointment for XXXX. I -brought it in they looked at the diagram on the box, I uploaded a picture of the box which shows how the wires should be connected. I also uploaded a pic of the invoice where it says precheck is how XXXX had the wires connected, the top number with the circle Is how they rewired it. XXXX had the red and yellow wires backwards After they had the wiring fixed XXXX, and I tested the camera and as soon as we turned the car off It said parking recording started. There is a video that recorded from the dash cam, of XXXX saying he did have the wires backwards, I could not upload the video. 

So, it was with the wiring and the camera was now working how it should. So, I called XXXX again and told him the camera was wired incorrectly, we went round and round. I asked him for a refund and he told me no, I told him I was going to dispute the charges, or take him to court. He told me there are no refunds for labor, and I would lose. He had plenty of chances to fix the wiring, but he was too arrogant, and was all about excuses. First, he told me he knows that the wiring is correct, that he has been doing this for XXXX something years. Then he said the diagram was wrong, which a company would not put the diagram backwards. He then said I had already taken it to XXXX different places after his shop. Which XXXX did nothing and the other fixed the wiring that he had connected wrong. I just don't think it's right and I should not have to pay for a job that was not done correctly. All he had to do was go in and change XXXX wires. At this point I really don't trust him at all.

Company response to consumer: Closed with explanation