Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
I I used my chime checking account to put a {$450.00} deposit to a moving company called XXXX XXXX. A week before the move a representative called me to ask questions about what supplies i was going to need. At that time the representative told me packing was not included in the move, although another representative named XXXX who had contacted me from his " personal line '' which was ( XXXX ) XXXX. He had sold himself as my personal representative that would assist me along the moving process. That he would be with me throughout the entire process. I had reiterated to him that I needed a FULL SERVICE packing experience due to being a XXXX veteran. That I was physically unable to do a majority of the packing myself and would need FULL Service. On top of that he also was the representative that had called me and warned me that the previous moving company I had made arrangements with was not a real moving company, that they were brokers and if anyone showed up they would probably be drug addicts and who knows where my belongs would end up. Using these scare tactics he convinced me XXXX XXXX XXXX  were not brokers. That they would work with me every step of the way for my move and that I could trust them. I signed a moving contract with XXXX XXXX on early XXXX for a JXXXX XXXX XXXX pack and move date. A week prior a different agent called me on XX/XX/year> saying if I didn't pay an additional {$800.00} on top of the {$5000.00} contract and {$450.00} deposit then my stuff wasn't going to be moved. I sent a message to my " personal representative XXXX '' stating that siad " Your agent just called me and quoted an additional {$800.00} for the full service packaging. This is something i have been stating i needed this over and over since the original quote. You quoted that you could beat their price. Their full service quote only added an additional {$200.00}. Not {$800.00}! '' That is the exact message I sent to XXXX. A representative who told me his name was XXXX contacted me from the ( XXXX ) XXXX phone number and stated he was XXXX boss. That XXXX worked for him and that I was going to have to deal with XXXX from now on. And that XXXX was on the other line hearing everything that we were saying. His reasoning was because I used an exclamation point in my text message that he wasnt going to move my stuff. He was doing me a favor moving my stuff, what other company did I want to release the contract to right then. I stated I didnt have another company lined up. I had a contract with them to move my stuff. He proceeded to talk derogatory towards me and that I did this by using an exclamation point in my text woth his representative. He proceeded to threaten me saying did I know what mechanics lean was because I was not only not getting my stuff moved He was going to sue me for everything I was worth and how dare I speak to him that way. I tried to get the conversation back on tract that obviously there was a miscommunication that had happened but that I was promised a full service move for a specific amount. He hung up on me several times and told me if I I interupted him one more time I wouldnt have anyone to move my stuff. Funally I was so upset I could not even speak anymore. I hung up and did not answer his repeated call backs. The next day when XXXX tried to contact me from both the ( XXXX ) number and the XXXX XXXX phone number I refused to answer and sent a return message saying I will not be doing business with anyone from your company. XXXX was rude and unprofessional.. XXXX proceeded to respond that that was a XXXXXXXX XXXX agent with the XXXX  That i had spoken to. He then proceeded to act like he didnt know what phone calls I was talking about and no one named XXXX worked with his company. At that time I notified XXXX, from XXXX XXXX  XXXX  that I would not be doing business with his company. I notified chime bank and filed a dispute about the {$450.00} deposit hold on my card for that company. Originally Chime gave me a provisional credit, but since then has denied my claim and is taking that credit back. I supplied chime with my signed contract with XXXX  XXXX  and a copy of all the text messages that I had received from XXXX  XXXX. They are refusing to refund my {$450.00} deposit although they have not provided a minute of service. I did not find a moving company to move my belongings and I stead tried to sell what not could and Loaded 7 suitcases on the XXXX airline plane I took to move from XXXX, TN to XXXX, WA. This has caused a huge financial burden on my household I had to start all over again when I moved here to Washington and had to pretty much give away everything that I owned in XXXX the least they could do is return me the {$450.00} deposit for a service that they didn't even provide. Chime has denied my claim to although I have supplied them with a copy of the moving contract, and the text messages that XXXX XXXX  representative sent me.

Company response to consumer: Closed with explanation