Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
As of the last 2 months I have not been able to verify my credit card payments through Chime. I use my chime account to pay my credit card bills. My creditors can not verify my payments meaning that I have to wait XXXX days for my funds to become available. I try to pay down my cards as fast as I can. After months like XXXX those payments can be in excess of XXXX XXXX I am not a wealthy man so going without those funds for a week and some change can be stressful as I need to pull from my savings to cover the difference until the payment is cleared. This causes an unnecessary drain on my savings and lowering of my quality of life due to the unfair and deceptive practices at Chime. This trapping of funds is detrimental to Chimes target audience of XXXX individuals. 

They have recently begun hanging up after three rings every time a creditor or depository institution calls the XXXX Today I personally heard three different representatives call the XXXX and after three rings the line closed every time. I spoke to a representative that stated the XXXX does not have a team that takes outbound calls, which is a lie. I was then told there are no supervisors at the institution just representatives, which was a lie. I was transferred to his supervisor when I wouldn't allow him to just read the script he'd been given. The supervisor then lied and said there are no outbound customer service teams. She then told me that there are people that are responsible for taking outbound calls and that they sometimes take a bit to pick up. She then told me that there was only one phone number to call to reach every department when previously I've been told there are three possible numbers to call. I then called XXXX and had the Chime manager sit on the phone while the XXXX representative called the number the manager gave to us. It rang three times and then the line was disconnected. The Chime supervisor then stated that the company only accepts phone calls to that number from numbers associated with Chime accounts. The XXXX additionally tried to convince me that this has always been the case, and nothing has changed with the system. 

I was lied to multiple times. But bigger than that this unfair and deceptive practice by the bank of literally taking the phone off the line when a credit card or depository institution is causing XXXX 's of citizens financial hardship every day. By just briefly searching online it is clear practices like this are taking advantage of the XXXX customer base Chime seeks to engage with. The XXXX  is pulling in people with attractive no fee options and what seems like free money and then taking advantage of their low-fund situation by putting unneeded stress on customers financial situation. This method of trapping depositors ' cash by refusing to connect with other institutions not verifying payments but then up selling XXXX $ payday loans and 30 % interest short term loans ( Maximum loan amount of XXXX ) is trapping low-income when customers try to move money to a bank or pay-off debt, putting XXXX borrowers in a debt cycle many can not escape. This intentional practice of deceiving consumers, stale mating other institutions, and upselling products clearly aimed at sub-prime / XXXX borrowers is a violation of Reg E and the UDAAP regulation.

Company response to consumer: Closed with explanation