Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
I made a direct deposit thru XXXX to transfer funds that I already earned to my Chime bank account. The deposit amount was for {$27.00} and I also paid a {$3.00} for it to be an instant transfer on XX/XX/scrub>/2025. XXXX usually transfers within no longer than five minutes to previous accounts I used in the past but when I checked my Chime account it had not gone thru yet. I checked 20 minutes later and still did not transfer. When I checked the next day it still didnt go through. So I called both XXXX and Chime bank and they of course played the blame game on each other but XXXX gave me a Trace ID number and when I gave it to a Chime customer service rep he seen transfer. He assured me it would be in my account the next day but when I checked it wasnt. When I contacted Chime again and I give them the number they tell me that my situation has to be handled by a specialist team and I would hear back within 48 hours. They give me no info about the Trace ID number or anything like that. They have done this to me over 10 times and keep referring me to there not so special specialist team who cant call me and I cant have dialogue with and to wait for a email and they ask me for info XXXX will not give me. But my question is if XXXX was given a Trace ID number by Chime that means they did pay Chime for my deposit, what would they be tracing if they never made a deposit? It would take away the whole point of having a Trace ID to begin with? But the original deposit was made on XX/XX/year>2025 and now its almost the end of XXXX and I havent been able to get my money. They say they would do a investigation but how can you do a proper investigation without talking to the company that sent you my deposit they never contacted XXXX. And Ive been assured on numerous occasions that this would be resolved but every time I speak to a Chime agent they say the gon na make me a ticket to there unspecial specialist team and I dont have the time or the patience to deal with these people anymore. I know I left the right account and routing numbers because my direct deposit came thru on payday and I made no changes on my account so thats not the problem.

They have been extremely rude to me keeping me on hold for long periods of time to then have my call disconnected. Its been a nightmare and I really need this money do to the fact Im now unemployed so every little bit helps. And they have done minimal work, research, or investigating to help me out with my money that only they can answer for. Im hoping to get some kind of extra compensation for the time i spent trying to solve this and it would really be a bummer if banks, with as much money as they have and the fact that they invest my money to make there money and they can charge for there overdraft fees if I go over by a XXXX that they dont have the same consequences when they fail to do not only there duty but they wont even do there due diligence to help solve this problem. They rely on a customers frustration to where they either give up or forget or refuse to go thru another dragged out process to get what they rightfully deserve and thats accountability and helping the people that makes your business run. Its ridiculous in so many different ways how these huge companies can get away with everything and we cant get away with anything even if its not even in our control we get punished. Theres something wrong there :

Company response to consumer: Closed with explanation