Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: MD

Complaint narrative:
I called Chime in XX/XX/2025, XX/XX/2025 and XXXX. I informed the customer service Rep the statements I have make no sense. Why do I have an outstanding balance when I don't owe anything to them.

The Chime credit card was supposed to help my credit score. There is NO actual credit line.It operates like a debit card. I directly deposited my check every two weeks. And paid all my bills using this card. The customer service team Rep advised me to do this.

You can't spend pass your actual dollar amount. They have a feature called " XXXX XXXX ''. You could use as much as you accrued with friends who have Chime by sending what they called XXXXXXXX XXXX  {$5.00} each time to each other. This would be like additional spotted funds you could use. 
The amount is then AUTOMATICALLY taken out of my next direct deposit. There are no over draft possibilities or fees. Once that was used, YOU CAN'T make any more transactions. It would be DENIED if you even tried. 
There is no monthly total you pay off like a charge card. It processes like a debit account. You use the card and the amount is automatically taken. Period.

I could never charge up ANYTHING! I called repeatedly in XXXX XXXX and XXXX. Each customer service Rep stated sorry for this mishap they would take care of this. They stated that somehow when reporting to the credit bureau it was in the middle of their update and even though I OWED nothing, it was recorded in error. They would inform the credit bureau and this would be resolved. 
The customer service Rep sent me links to their " XXXX XXXX '' to send in my request, which I did three times and still nothing has changed. I asked each customer service Rep what type of report? What do you mean funds released at a certain time? I put the money directly into the account and used it. What are you all talking about?

They would always get quiet then come up with dates of updates and a bunch of statements which made no sense.

I stated to each customer service Rep, " This is a nightmare and with my credit score dropping. I can not apply for a home or even reapply where I live to renew my lease. This could have me homeless. 
I cry everyday because this was supposed to build my credit and I did nothing wrong. I did what was advised. Why are you all doing this to me? Please get this resolved. Why do the statements make no sense. I don't have a credit balance at all that I pay off monthly. '' I would repeat over and over, " Why do I have a balance? I don't have anything that needs to be paid off? 
I have never owed any money. I can't it's a debit account! '' Each customer service Rep would verify no you don't have a balance.Yes you are correct. 
This is true your payment history is in good standing. 
I would say to them, " I know! Can you please correct and update my credit report. My score is dropping!!! '' Now I have {$1700.00} outstanding over 72 days. How! I don't have anything outstanding and never did! 
I deposited {$100.00} that was automatically posted to " XXXX XXXX '' my accrued amount so that is totally cleared, and account status still OWING NOTHING, and then I immediately called the Rep on XX/XX/2025 and closed the account. 
The customer service Rep advised me they would send my left over money still in my checking and savings accounts via regular mail in the form of a check. 
Why are they sending me money? Because XXXX  I NEVER owed ANYTHING!!! 
I once again asked the customer service Rep why is there an outstanding balance on my credit report? He again said he would send in the request to the " XXXX XXXX  '' to resolve and sent me another link to put in the request and submit supporting documents. Still nothing has changed. And they have not updated or sent me a corrected Statement.

Company response to consumer: Closed with explanation