Consumer complaint received 2025-06-16 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:
My XXXX statement shows that there was an adjustment totaling {$2700.00}. Ive called them plenty of times asking them to give me the transactions that total totaled out to that amount they could not provide me with the transactions they told me that it was credits refunds, and my my pays for the month when I told all the adjustments that are listed in my statement it equal out to I believe {$410.00}, so I told them I reviewed the statement and I can not find any other adjustments totaling up to them out. They told me that I needed to add my transfers to that amount so I reviewed all my other statements. The amount listed on the adjustment section on my summer statement is whatever my mypay advance I got. I called again. I asked the representative to explain to me My adjustment for XXXX and so she did she explained balance on my statement were my total of advances for the month. so then I asked her OK now lets look at XXXX. Can you tell me the adjustment and so she placed to be on hold came back says its one moment Im calculating then she came back and said I can send you your statement so you can review your transactions. She placed me on hold and never returned. I got the silence. Then the call dropped I have spoken to 32 agents. None have been able to give me the transactions that were done or an answer to what those adjustments were. Im placed on hold disconnected given various answers oh, you need to add your purchases once it oh its all your transfers. They once said if youre ATM withdrawals, it doesnt make sense and I can not get an answer. Ive asked them a multiple times that I want an audit because from XXXX through XXXX, I have so many errors I had really high deposits. On XX/XX/XXXX, I had a deposit of {$2900.00} by XX/XX/XXXX. I was negative. How could that be possible? There was transferred in and out from credit builder it will transfer and it will transfer right back out. I received two emails on XX/XX/XXXX stating your payroll has made it you have covered your advances of your balance is {$700.00} then I receive another email same day your payroll made it. Your payroll has covered your advances. Your new balance is {$900.00}. I have dispute it many transactions that were set through XXXX automatically that I did not know I have provided pictures showing them that XXXX was submitting them constantly and they were being denied XXXX XXXX. Then they would try XXXX, XXXX I have told him I did not authorize this, and they refuse to approve my dispute now they approved XXXX {$25.00} amount that was going to XXXX same as the others so why if they approve this one why cant they approve all the other transactions that Ive told them and send pictures that I did not authorize. Another issue. On XX/XX/XXXX I took out A My pay advance. It shows up twice on my chime account. {$53.00} my pay on XX/XX/XXXX, XXXXXXXX XXXX then again {$53.00} my pay on XX/XX/XXXX at XXXX XXXX I called them and asked them maam. Its reflecting on my app twice they told me go ahead and just disregard it. Its a glitch what XXXX worried about is that yes they gave me only one payout, but is their system going to add it up at the end of the month saying I got XXXX. Because there is times that I repay and it says that Im still owe on XX/XX/XXXX. It says that I had a transfer of {$180.00} from my credit builder to my checking minutes later it shows that I had requested a My pay advance. Of {$180.00}. Now I have a screenshot from my Chime map where it shows the my pay advance twice {$180.00} same hour same minute and I have screenshot it. I have called multiple times complaining to them because Im afraid that this is being added well what a coincidence that I transferred {$180.00} for my credit builder and then request on my pay advance. It doesnt make sense. Ive asked him for statements showing my transactions, but also where my balance was at the time of my purchase so that I can see how much money I had in my account when I went negative when I was positive, but they can not provide me with one. Ive asked ask them to audit my account to do a reconciliation because there is some errors from XXXX through XXXX. Those are the months that I got the most high deposit. All I could see is money being transferred to credit builder credit builder credit builder when I close my account on XX/XX/XXXX on XX/XX/XXXX credit builder was paid {$1900.00} around there then XX/XX/XXXX another payment was sent of {$900.00}. I just dont understand I have so many deposits coming in. Im spending the money that I get paid for my payroll but also I see that Im always paying those my pays or that theres I request a large my pay of XXXX XXXX thats impossible they dont give you the full amount at once for the month of XXXX. Its it that I had {$530.00} and I still owed XXXX that total out to {$600.00} thats more what they lend you I really think that those transactions that were showing up twice. Im still paying them and its showing up that I owe them and then they collect for them later. I dont know how my money is being applied. I really trusted chime. But if they cant answer what my adjustments were for the XXXX if they cant tell me then who can and this is the business Im trusting them with my money there are so many errors. They have denied all my disputes. I provided evidence and even like that they have denied. I dont know what to do. Im very frustrated. My biggest concern is where are the {$2700.00}. Then in in XXXX it was XXXX. Also, the errors are found between XXXX and XXXX. High deposits and it seems that more money was added to pay. I just dont know what to do. Please help me find out the answer. I want a statement with showing my remaining balance after each transaction. When I close my credit builder, I received no money back after they took {$900.00}. I have screenshots showing the double transactions. I have screenshots of the representative telling me they cant figure it out. They dont know. I have recorded audio and I told them that I was recording them.

Company response to consumer: Closed with explanation