Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: MN

Complaint narrative:
I set up a direct deposit with Chime under the understanding I could choose bills to pay and the rest could be returned to my original bank to pay them and to manage the rest of my finances. The money went into the credit account meaning next month I'd have to pay it all back. This would and will ruin my financial situation. I tried to reach them on their " 24/7 '' customer service but it's only bots. I went on their social media and sent them messages only to be given information on the website. Finally a person sent me an email with instructions on how to solve my problem and a threat. Miraculously i was able to transfer out the money back to my bank after having to blow up their social media pages with tags. I still have not spoken with a human being and that is completely frustrating. 
In emails and on their app they push push push for you to get direct deposit so you can get your check early. I did get my check early but with so much confusion and nightmare. How can someone dealing with your pay not have a human being to discuss issues with when needed? It felt like a scam and not sure what will happen next month. 
I sent the money from XXXX XXXX to the checking card they gave me and then back to my account. I either spent {$700.00} or {$1900.00} but I won't know until XXXX. This is affecting my mortgage and every financial aspect of my life and still no human contact. 
The number they give from their corporate offices is the bot #. 

they sent me this snarky email as the only non bot communication XXXX XXXX, Welcome back to Chime Member Services. 

I understand that some amount of money was sent to your XXXX XXXX instead of your Checking account and now you will have inconveniences paying your XXXX XXXX next month. I understand how important it is this situation for you. I will make sure to go over my tools and provide you with helpful information. 

I just want to reassure you that Chime does not choose the account where you money will be send. Based on my knowledge in this field I was able to see that all the money that were sent to your XXXX XXXX is on your Credit Secure account and you can transfer those funds following this steps : To manually move money to or from your Chime XXXX XXXX XXXX XXXX Credit Card in-app : Select Move Money on the bottom of the home screen. 
Tap Transfer Funds. 
Tap the green arrows on the right side of the screen to select the From and To accounts. 
To move money to XXXX XXXX  : Select Checking Account or Savings Account from the From section and XXXX XXXX from the To section. 
To move money out of XXXX XXXX : Select XXXX XXXX from the From section and Checking Account or Savings Account from the To section. 
Note : The default in the To section is the Savings Account. 
Enter the amount to transfer and tap Transfer. 
On the next screen, review the transfer amount and the accounts selected. Tap Confirm Transfer to complete the transfer. 

XXXX, Chime has XXXX tolerance for any harassment. A warning was already issued to you about your misconduct. I will be ending this interaction and our team will be reviewing this interaction for further action on your account, as well as the involvement of law enforcement if warranted. 

I hope this information was helpful. 

Please feel free to contact us back if you have any other questions or concerns. We are always here for you. 

Thanks for being part of the Chime XXXX! 

Kind regards, XXXX | Chime XXXX Services

Company response to consumer: Closed with explanation