Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I received various deposits adding up to around $ XXXX.My bank account before those deposits which they were a person to person money transfer was XXXX. After the {$550.00} was in my account I made several different purchases which showed up as pending on my Chime account. I understand what pending means, basically the money is held or taken out of my account by Chime to ensure that when the transaction is finalized that I have the amount to cover the total. XXXX of the purchases I made was for {$100.00} on XXXX. Probably after an hour or so I decided I wanted to cancel this order. So I cancelled it and at first I received a message from XXXX saying the order could not be cancelled and that I could track the package and once I received I could refuse for a refund. I waited and after a few hours the transaction showed up as cancelled on XXXX. The charge was still pending on my Chime account. No worries I knew this could happen and I knew that it could take up to 10 business days for the pending hold to finalize its self out because it had to do with the banks and merchants, I know that the 3-5days is an occurrence where the merchant says it will take them 3-5 days to finalize but it can then take your bank up to 10 days to release the money back. Ive dealt with a previous transaction like this that occurred between XXXX and a different bank account but that in that my other bank waited the full 10days to release my funds because they could and I guess because I had raised such a fuss and demanded to know what was taking so long for my money to go back into my account when the transaction was cancelled. 

So yeah I understand how all of that works. On XX/XX/year> I had a direct deposit go through and into my account. Right before that deposit I remember my bank account was sitting at XXXX available with several pending charges. As soon as that direct deposit hit my account all of the pending transactions finalized themselves out. Which I thought odd, never has that happened. But still excited I checked my deposit amount which was {$860.00} something dollars. Awesome. Expecting my available balance to be {$960.00} since the pending charges had all resolved and that {$100.00} XXXX order was cancelled it should be added to my available balance! Nope. My available balance was what I had received via direct deposit. 
Not only that any history of the transaction was no where on my statement anymore. Weird. No message saying that the pending charges had been resolved. Which is something that usually occurs in notifications from Chime. Nothing! Like it had never occurred! Except I have screen shots and proof from XXXX and speaking with someone at XXXX with a release number proving this transaction occurred. When I spoke with someone at Chime they said they would get me a specialist. Nobody ever got on the chat or emailed me. Now Im wondering how many other times this has occurred. I have proof. Screenshots and just adding and subtracting my transactions. The money is there just not there for me. How many times is Chime doing this to me or someone else??

Company response to consumer: Closed with explanation