Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
so I XXXX XXXX went to attempt a ATM withdraw from my checking account I have with chime and I used my credit builder card so I tryed to withdraw XXXX dollars an the mechine made a sound as it was going to dispens the money but it didn't and it was well did not print me a receipt but yet my account was charged the XXXX an cleared in my account that same day so I called and reported an started the wrok for chime by calling XXXX atm XXXX XXXX an told her the women I spoke with what happened an gave her the I. d number an all that for the ATM mechine and told her location an what happened an she started a log and papper work fir this issue an as well informed me to call my bank chime and start a dispute an to tell them to start it an to file a regulation XXXX dispute and tell them that I have done an called an started the XXXX XXXX to this matter and for them to issue me the credit for the XXXX the ATM didn't give me an tell them as I told her what happened so I called chime spoke with them told them as I was told by allpoint coustmer service and what happened an how they said for me to make sure that they know to start the regulation XXXX an credit me the money while I wait for the chime to get in touch with them an start the process so I did an they said that I would not get the credit while they invasgtion is on going an as well send me email saying i would not get as this issue does not fall under regulation XXXX and so I called chime back an explained to them that yes this is the law an that I as a consumer do have rights an am protected by that law as this matter falls under that law then then started to go on an on how it does not an I told an read to them the law and quoted it as it's wrote out from the regulation site it's self and they them said well it does not an I will not be getting credit while they invasgtion because it's a credit builder card that I used so I said yes there is different laws to that policy they are trying to use XXXX lie an hide behind because fir them to try an use that law that would mean that XXXX there selfs would had of spotted me that XXXX that I try an failed at getting when trying to withdraw but that's not the case even tho I used a credit builder card I still as a customer have rights to regaltion XXXX because they did not provide the XXXX the XXXX I tryed to withdraw was put into my account by me that was my own money not there's so I explained that to them an told how it even says that in there policy an yet they refuse to help me an change there error an provide me with the credit while I wait for them to invasgtion so I would first off like that Chime stop trying to lie an maunplute me an the law by hiding behind the excuse that it's a credit card when they know that they first off did. not spot me no money for that withdraw as I XXXX XXXX have to put my own money into that credit builder card an use my own money so for that reason I do as a customer fall under regulation XXXX an for chime to be such an petty an sorry banking company to treat an lie an abuse laws in this manner ridiculous and should be look into an fixed becwue they think people are dumd an do what they think they can because there about robbery an shady business practices an to try an say that I do not an am not protected by retaliation XXXX because I used credit builder card when they know thats a lie an that they did not provide me the cash advance that even tho its credit card I put my own money in there an ti use as they provide nothing but my own money back to me so I won't them to stop being like this an credit me my rights as a customer an stop violating my rights an the federal law an do as the law says am provide me with credit while I wait for them to I say not really look into but who knows XXXX after this I truly feel like chime does indeed not take anything serious an follows the law as I have to do as well

Company response to consumer: Closed with explanation