Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received my XXXX year long wait of my federal tax return but it was in check form so i had to find somewhere to cash it due to chime being the main bank i put money into and it wasnt my first time using this feature i decided to use the mobile check deposits feature where you scan your check and upload it on the mobile bank app and itll deposit the scanned check within a certain tile frame. But when you deposit is chime has you sign check and write some sort of chime slogan on the back of the check. So after doing this i confirmed a date of the XXXX when the check should be deposited in which i was olay with but not even two minutes later i receive notification that the check wasnt accepted but when i confirmed if to get the date it said that it was okay and depositing. So now i have came to conclusion i needed to contact support which took hours to get in contact with an actual agent. But once talking to agent he gave me false information that it wasnt they fault it was the government check that denied them access to cash it and once i stated that couldnt be true to came up with another false statement that i could upload check again just check the corners and make sure everything shows and appear in photos in which i did and tried it again but ended with the same results. Called back agent stated that he was gone put me in contact with supervisor i expressed i needed a agent that can comprehend what im saying and actually help me he continued that the supervisor had more access and could better help i agreed okay and continued to wait to be transferred to supervisor supervisor answered but said hold on and next thing i know 30 minutes later i was back on the phone with XXXX XXXX picks up thinking i was a new customer and i expressed i wasnt he asked what happened with supervisor i told him i was put back on hold he stated he was going to look into it and cane back with the lie of the supervisor lost connection and try to get me back in contact with another supervisor but I was on hold of additional 45 minute before being back in touch with the same agent and he asked me again. What happened? I explained I was never put in contact with someone and I was just put on a hole he explained that he will try again. I would finally put in contact with the supervisor, but that supervisor explained that it was basically nothing on their side that they could do but tell me to order another check because I could no longer cash my check anywhere else due to them having me sign it and put that logo on the back of It. I expressed and stated that that was not OK with me because I trusted try and with me trust and try got me into the situation so I was hoping that they could either put the trick through or have another solution on how I can cash my check, but they had neither and they expected me to be the one to resolve the issue myself instead of acknowledging the fact that their system is the reason Im in this situation in the first place instead of taking accountability and trying to resolve the issue with their company. They expected me to the customer that trust itself to do they part

Company response to consumer: Closed with explanation