Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I have had two disputes that have been denied over and over and reopened and then denied for a long time now. Honestly I've lost count of how many times they have been reopened but it's always the same outcome of denial and these charges was also disputed through my other banks for charges from the same merchant and the merchant refunded the money almost immediately after filing the disputes. Now I've came into another dispute which I was hoping I wouldn't have to file considering I know the outcome before I even start the dispute which is sad. But I've already received my money back from this merchant as this was a scam and obviously they know it or they wouldn't have refunded all my money to 3 different banks within 24 hours of disputing the charges. I was hoping the merchant would just refund all of the cards that were charged as I'm sure they have list of it, but it didn't happen so therefore, after receiving my money back from my other three banks, I have went on to file a dispute with charm and I told them that the merchant is not gon na refund the money if they do not let them know that I'm disputing the charges and that is what I've come to realize every time that I've disputed these charges anytime they are not turning in the dispute with the merchant and that's why I'm not getting refunded. It only makes sense because anytime I've disputed with my other banks with similar or the same merchant I almost immediately get refunded from the merchant so why when I do it with Chime am I not getting refunded that's because they're not turning it in they're not doing their job. They're not doing something right And when I told them this, they said what do you have proof of being refunded at your other banks and I said well, of course and I said, but what does that got to do with charm they said so we know you're not lying which keep in mind all of these phone calls are recorded so Yes they said that which blew my mind and then over a period of time throughout all these disputes, I keep being told by the chime representative that I've been done unfair and they've looked at my documentation and they don't understand how it's been denied and I've even had a representative from Chime. Tell me that they've been scammed by the same merchant And I've told the dispute that the phone call is recorded and their own representative had been scammed by the same merchant and I have one all my dispute from my other banks from the same merchant so why do I keep getting denied and now I have a very big dispute totaling almost {$2000.00} And I'm tired of backing down to them and letting them just not do anything about these disputed charges and letting them XXXX me like I said I have never had a problem with any other bank because obviously I would not dispute the charges. If in fact, there wasn't a reason team so yes, chime is definitely not doing their job And I don't understand what their problem is with turning it into the merchant as it doesn't come out of their pocket, but they definitely are not doing that. So my question is why r they so worried about letting the merchant know I'm disputing charges??? Just doesn't make sense? It's not for them to decide whether the merchant is going to refund my money or not, and they're supposed to be my bank, so why would they want to get in the way of the merchant turning the money back over especially when it deserves to be because I don't know who this game wave limited is and that is exactly what my claim is on my other three banks that I have won my dispute because the merchant refunded the money so what is the problem? There's something bad wrong with chime!!! And they need to be taken down and removed off the face of the earth. I've been lied too so many times by them telling me that they have all the documents and there is no way it will be denied this time etc etc... they offer nothing but lies. I've even talked to supervisors that assure me they don't know why I'm being treated like this and they will make sure that I get to the correct resolution of receiving my money back but of course all they're doing is just trying to tell me what I wan na hear nobody should ever do banking with them ever as they are nothing but XXXX  And care nothing about the consumers or their customers.

Company response to consumer: Closed with explanation