Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX XXXX received an {$80.00} deposit into XXXX account.My checking accounts ... chimehas a thing called my paye. I know my old draft protection, I was {$25.00} in the hole on the overdraft protection, and I owed a XXXX on my pay okay, now I got a check for a {$160.00} and it's not my payroll check because I get a direct deposit every Friday, OK. This was just a check from someone that I did some work for for throughout the week. And they gave me a {$160.00} check. So I cashed it through chime, not only where did they not give me my {$160.00}. All right, then they only gave me XXXX of it, and then they said they're going to give me the other XXXX and 4 days. What is that question mark So what happened Is I knew already knew that out of the {$80.00} when it was deposited the {$25.00} overdraft protection was going to come out, that should have left me with {$52.00} or something like that, but the {$130.00} that I owed 4 my pay, that is not supposed to be touched until my direct deposit or my balance exceeds that which would be the {$130.00}. So I only got {$80.00} directed into my account, right that I was supposed to have {$52.00} in my account and they took it all and they wasnp't broke they took and paid. The overdraft protection, which I knew that they were going to do that. That's\nOkay, I knew that, but when they took that XXXX dollars out and put it towards mypay thing that is not correct... So I really needed that money in that put me in a bond because that's what I meant.Put me in a bond so I called chime in that I had no money to my account... And I even read to the lady word-for-word from the app, how it says that I have to check this box in order to give them permission to take the money out when I don't have an exceeding balance of what I owe, and I only had {$80.00} in there. So that's not over. XXXX, the XXXX is supposed to come out on Friday. The lady put me on hold for XXXX minutes and I'll sit there and waited for her and she got back on the phone and she tried she said that she tried to reverse it, you know XXXX or XXXX different times so. She knows that should not have happened that should {$52.00} should have not been taken out of my account. She told me she tried to fix it but she couldn't and so I just got tired listening to her and excuses and I hung up so I went back to my count and I started looking and it turns out that every time that I borrow money from them after I get paid whatever for my pay thing, they take AA percentage of that money, right? Then, so if I borrow {$150.00} from them, they'll take out XXXX to {$8.00} or something like that, right then. So I only get a {$140.00} put in my account. OK, so that should be the fee well, it turns out that when I'm repaying the money back, they're charging me another fee as well that the same almost The same amount of money they're charging me XXXX different fees. There's a couple, there's like hundreds of dollars on my account that I was looking at over the last so many months that they're charging me twice. And that's not right they've been getting away with that. So they've charged me twice on my on my transfer fees, they're charging me to let me borrow the money, and then they're charging me just to pay them back, they shouldn't be charging me to pay them back and they shouldn't have touched my money, they should not have touched {$52.00} because that left me broke .. And I have it set up, they have it, set up that way to where this type of stuff is not supposed to happen to leave me broke that way. When they take out the money that's. Oh, it's the my pay thing is not supposed to be paid in increments. It's supposed to be paid all off at 1 time. When I get the money in my account that I can pay for it, they're not supposed to take half of it now and half of it later, that's what Cash App does, but never did that until now, but if they and then on the transfer fees, if I mean, if they're doing that to just let 's say a XXXX people. And they're doing that every week, that's millions of XXXX that's hundreds of thousands of dollars that they're pulling off of these people at {$4.00} a transfer fee, for every time that someone takes money from them, and then Someone had to give a money back.They take another transfer fee.And that's they're making a lot of money off that that's not right? And I bet no one pays attention to it, because it's such a small thing.No one ever notices I wouldn't have noticed it until I started looking at my account and seeing all the different transfer fees that shouldn't have been on there, but anyway, didn't taking that money that put me that got me in a lot of trouble cause I need that money was XXXX something, and I told that lady on the phone... I was on the phone with her for almost an hour, but I only talked to her for maybe XXXX minutes because I was on hold for most of the time while she was trying to put the money back in my account because she knows that I got screwed over on that that shouldn't have happened. They've never did that before, never they've never taken the money and I've been using chime for a couple of years or something like that, and they've never did that to me. But now, all of a sudden they did, and then I start looking at my account in depth and they're charging me twice and they shouldn't be doing that either. I want my money back. For real, I mean, when I get my money back, I'm closing my account with chime and I'm going to go and I'm going to have my direct deposit direct deposited to somewhere else because that's XXXX.

Company response to consumer: Closed with explanation