Consumer complaint received 2026-02-21 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: CA

Complaint narrative:
STORY TIME To Whom This May Concern ( If At All ) I called Chime to file a transaction dispute. 

First call : operator couldn't hear anything or understand anything I said on the call because I suppose he had problems understanding English language. 

Second call : operator said upfront that my card will be cancelled out for filing a transcation dispute. That only happens if the transcation is specifically unauthorized, not for authorized tramsactions. You know why she said right away that my card will be cancelled out, because she had no clue what she was saying or doing. The call was then transfered to the XXXX  department. The XXXX  department operator could not be heard, sounded like she was at some party, operator said she will call me back, but she didn't call me back. 

Third call : I asked to speak to a supervisor. XXXX, the phone operator refused to let me speak to a supervisor, she harassed me on the call enough to satisfy her ego. Then, instead of transferring the call to a supervisor, she transferred the call to the XXXX  department. I did not tell XXXX that I was calling about any dispute. She assumed I was calling about a dispute. 

The XXXX  department operator picked up the call. I asked her to transfer the call to a supervisor from the disputes department. The operator transfered the call. Guess, who picked up the call!? XXXX! XXXX, the previous phone operator picked up the call. 

By the way, I hope you realize XXXX is not her real name, these are made up English names falsely used by overseas call center people to appear as an English speaking American, but unfortunately their thick accent, their level of English language understanding, and more importantly their standard completely negates their fake name approach. 

Fourth call : XXXX, the phone operator picked up the call. Asked her to transfer the call to XXXX  department. Call was transfered with no issues. XXXX from XXXX  department picked up the call. Asked to speak to a supervisor from XXXX  department. Call was transfered without issues. XXXX, the disputes supervisor came on the line and finally filed the dispute and confirmed my card won't get cancelled out for filing this dispute. 

Now, let 's do the math : If I divide my hourly pay rate by the number of minutes I spent on phone with chime to dispute a {$8.00} transcation, I lost more than {$8.00} in order to dispute a {$8.00} amount. 

Question : Why do I have to call chime 4 times to file a dispute? I can answer the why! - but it will sound politically incorrect. 

Answer : The real reason I had to call Chime 4 times to dispute a {$8.00} transcation and the reason I had to go through this chime member services ' extraordinary ordeal is because I was subjected to XXXX standard. You have such a seamless user- friendly app, but that is falling short in front of this member services experience.

Company response to consumer: Closed with explanation