Consumer complaint received 2023-05-27 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: AZ

Complaint narrative:
Chime, The last time I had to deal with something similar you guys stepped up and fixed the problem. I hope you repeat yourselves with this because if not Im filing a civil complaint against the second I get word. The last complaint I filed was about dispute that was clear as day textbook Reg E, yet the call center staff still wanted to behave as if by me asking for my money I am then in turn stealing from them. When I explain or even read the law, it falls on def ears. Last time I spent at least a hundred hours dealing with that nonsense. 

I hope you understand that this is not amusing to me. I dont have some chip on my shoulder and Im not some whiner. I am an XXXX that is tired of companies doing whatever the freak they want to do. Im almost to the point where Im going to switch what my company does and Im going to hire a bunch of seasoned attorneys like 100 of them, and we are just going to start helping everyone and their moms opt out of these companies arbitration agreements, Im going to create a universal customer contract since in realty they are the important ones not you. That customer contract that is going to be in the hands of every consumer in the U.S. and it is going to ensure that your company and every other company that deals with the public have respect and proper business ethics that should resemble the fundamentals of the country in which you are ALLOWED to do do business in. If not then with all of the complaints we compile and all of the people we will have at the ready, we start dropping class actions until we start putting big corporations out of business. Im tired of this XXXX. Do you understand? 

Let me explain this most recent incident. Which resulted in one of you incredibly entitled XXXX disputes managers being such a condescending XXXX that I responded to him in the same way. Guess what he did He closed my account. Man o man. 

On the XXXX of XXXX I needed to carrier unlock my new XXXX XXXX. I found a company online that advertised they could do it for {$30.00}. I always thought it was free but {$30.00} isn't bad. So I paid it. About 10 minutes later I got an email that said we have the unlock XXXX, just pay {$88.00} and will give it to you. I knew right then that I was not in a good spot. But having a little faith I reluctantly paid the {$88.00}. I get another email that says, this timer will countdown the time of how long it will take to unlock your device. I was not happy., a day and a half later I got an email that says We can't unlock your phone because it's locked to a carrier. I was kinfpd of like ... No XXXX, that is kind of the reason I was giving you money I though. I, mean your name is Phone unlock codes maybe I'm missing something. But probably not. It turns out that the one product they offer is only in their hopes and dreams and not in reality. So when i realized this i reached out to the company and asked for a refund. They told me they would give me store credit to their online store and i could use what i paid already for their other non existent products. Needless to say, that was a hard pass. So I filed a dispute. The person who took the information for my dispute filed it under goods and/or services not what was expected or something like that. I didn't know that because I was pretty clear about the whole deceptive practices and fraud stuff. So how they got that confused is beyond me. So I send in all the hard proof that it's clearly a scam. Which according to regulation E as soon as a financial institution is aware of the error they must credit the consumers account with pin 24 hours of that discovery. Well they made that discover when they read my emails. And if they were not about to read the clear chronological emails that paint a very clear picture to come to that conclusion, then you absolutely have the wrong people doing a pretty important job. So over the last two weeks I've called a few and every single time your staff when to try and sell me the same XXXX  false products that this phone unlock codes did except that theirs was based on reality and real potentially real product. The XXXX your crew is selling is just all around made up. They are so certain that their wrong rules are correct they are XXXX about it. They told me, the type of transaction YOU filed this under is not eligible for temp credit My response to them is it 100 % is somsince you are not clear about the law let me read it to you. And I did. Many times. Each time they got more brazen and even more XXXX. And more condicending. 

They had the XXXX to sit they and say mmmhmm yeah,, mmmhhmm. Yup, ok ok mmmhmm sarcastically and lie basically to my face and treat me like a XXXX and then when say as bad word oh ma! It's like Me saying XXXX just washed away the consumer rights violations and laws that they breaking. Which last night is exactly what happened. It's been past the 10 days that are allowed for an investigation before you guys have to issue a credit to my account REGARDLESS OF CLASSIFICATION OF CHIME EMPLOYEES. And also your staff seem to think that your policies, like the ones they are trying to get me to believe are superseding state and federal law. It's too bad none of them are in XXXX because they might know that, and better yet, they might give a XXXX. Unlike your current array of nonchalant hypocritical law breakers. 

I made {$540000.00} in 2022 that I can prove and paid taxes onl Dont let my Chime account fool you. My life is different then yours. Or lost people. It's just different. Roller coaster of everything and nothing all wrapped into the same package. I've spent about 10 hours on this one dispute anove and beyond any mandatory necessities. If I was to take $ XXXX $ XXXX week on average. $ XXXX {$260.00} per hour if going off of a 40 hour work week. You guys owe me at the very least {$2600.00} and my disputed transaction amount. That's me being generous. I'm not counting for all the of the legal dilemas your staff has put you guys in. I filly intend to use against if this isn't fixed like now. I want my account re opened. And I want the person that closed it fired. If you don't know who he is let me know I'll send you the recording. My account was closed 3 minutes after the phone call. You can hear me say in the recording after he hung up on me about 3 minute later say they closed my account? Nice that didn't take long. I have all of this recorded. Do what you got ta do. Like I said I'm not putting up with type of thing anymore. I expect to be compensated accordingly for this.

Company response to consumer: Closed with explanation