Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I made a transfer transaction through chime app to send money from XXXX  XXXX XXXX on XX/XX/XXXX of 2025 at XXXX XXXX XXXX  XXXX. When I made the transfer, it said it was completed from XXXX  XXXX XXXX {$50.00} to chime account checking {$50.00} as well, I realize that it said 5 to 7 business days so I called both parties letting them know I wanted to cancel the transfer just so that it could go directly back into my XXXX  XXXX XXXX account. they told me I had to wait due to the time that I tried to do the transfer so it wasnt gon na go through because it was a Friday XXXX XXXX XXXX XXXX. So I had to wait up until Monday, which I called chime first to see where my money was at because they told me Friday that I would be able to access my funds. Then since it was it canceled on their end. I then called XXXX  XXXX XXXX to ask them what happened to my {$50.00} it was supposed to be returned. Also making a visit to the branch of XXXX  XXXX XXXX and speaking with Supervisor. I was told they dont know what happened with the money it just disappeared and that I had the money in my account when I originally spent and swiped for a XXXX which they were supposed to hold the funds for the rental car, but turned out they released the funds and was supposed to also release the {$50.00} as well on Monday, XX/XX/XXXX. Chime told me that they couldnt find the transaction and they didnt see it representative was very rude and disrespectful and hung up on me. I called chime again to speak with another representative regarding the {$50.00} in XXXX  XXXX XXXX said that they sent it over and released it two times which they declined as well that they never had it, but yet telling me that the funds was in the account and that it was never gon na be canceled and recent back to XXXX  XXXX XXXX when originally it was supposed to be as if I know back to trying and releasing the funds because account on both ends was negative. XXXX  XXXX XXXX had {$100.00} which they told me as well. Wasnt even there after I swiped my card for the rental car. Then told me for the {$50.00} that I already spent it when in total I had {$400.00} in my account and made three different transaction before the transfer I tried to make with the {$50.00}. Call XX/XX/XXXX and they told me that they didnt know other funds coming from The and the supervisor was that was also very rude and disrespectful and hung up in my face. I was in told to wait three more days after already waiting six days for both parties to return the {$50.00} that is still comes down to me missing {$50.00} in my account. Chime told me because the {$50.00} was canceled today when I already called XX/XX/XXXX on a Wednesday 2025 and was told that the fund should be there as of XX/XX/XXXX on Thursday 2025. Chime told me that it will be returning back to XXXX  XXXX XXXX because they canceled it today. XXXX  XXXX XXXX sent me information regarding the funds as of XX/XX/XXXX on Thursday 2025 that chime did initiate to take the money out of the XXXX  XXXX XXXX into the chime, but canceled it as of today to send it back when Ive been asked them to do so, but it was just done today but now no one knows where its at

Company response to consumer: Closed with explanation