Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CO

Complaint narrative:
XXXX XX/XX/XXXX, I began a transaction for which I was charged in full, from XXXX in regards to a rental car. For reasons which nobody on XXXX can articulate, XXXX charged my credit card while nearly concurrently DENYING my rental on the misinformed basis that my Driver License was invalid. As an aside, I'm a XXXX XXXX XXXX who has not received a traffic ticket in over 20 years - my license is the epitome of a valid license in perfect standing. Nearly immediately after contacting XXXX, an ordeal which was an utter waste of time, I contacted Chime Financial to advise them of the issue. 

Chime was great to speak with on the phone- they are great talkers! That's where it ends. In addition to the lengthy and detailed discussion where I advised the representative of the pertinent details of the events, I was also sent a link in order to upload the documents which I had in my possession which related to my complaint. It was at that time tgat I uploaded and submitted said documents. About a week and a half later, Chime asked for additional documents in order to further corroborate my, objectively factual, timeline of events. Again, I complied with these requests. 

However, on XX/XX/year> full days after submitting my complaint and corroborating documents, Chime still paid the MERCHANT after repeatedly telling me that they wouldn't. When I contacted Chime to inquire as to why this occurred and further inquiring as to why this would have been paid WITHOUT issuing a provisional credit or a credit similar to a provisional credit instead, they responded by saying that because it's a secure card, it's " not really '' subjected to Reg Z requirements. When I contested this, they said it's " not like regular credit cards where the payment can be held back '' However they couldn't cite any information or evidence which showed their interpretation of this rule. Fascinating. I was THEN old that it would actually be processed as a debit card transaction, and because it's now a debit transaction it's not the kind of complaint which would qualify for a provisional credit. Again, I asked what rules, Statutes, or policies they were relying on to determine this, and again nobody could expound on that. 

My next phone call occurred on Friday evening of XX/XX/XXXX, at which time I could be expecting my provisional credit " immediately. '' Yet after no credit was received, I spoke with Chime again on the evening on XX/XX/XXXX, and was told that even though my filing of the dispute was " timely, meritorious, and shouldn't have been paid to the merchant .... there is nothing we can do now except wait. '' Exact words. The phone call concluded with my asking for a detailed status update of the ongoings of this investigation as, if my financial institution doesn't APPEAR to be advocating for me and on my behalf, then maybe i should seek out someone or some institution who will be my advocate. And again I was told this isn't possible. 

This is pathetic and it wreaks of incompetence, non-action, ineptitude, and treatment which isn't being equally attended to.

Company response to consumer: Closed with explanation