Consumer complaint received 2026-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/year> : I made a payment of {$320.00} to XXXX XXXX. This was my last payment to cover what I owed for my policy period. XX/XX/year> : XXXX charged me XXXX separate payments totaling {$430.00} : {$410.00} ( Confirmation # XXXX ) {$15.00} ( Confirmation # XXXX ) These were extra, unauthorized duplicate charges. I had already made my last payment on XX/XX/XXXX. XX/XX/year> : According to XXXX 's own records, my policy lapsed on this date. Their system shows : " Policy Auto XXXX XXXX XXXX period XXXX XX/XX/year>. '' Despite my policy being lapsed, they still charged me {$430.00} on XX/XX/XXXX and kept part of my money. XX/XX/year> : XXXX sent me an official document titled " Important information about your policy '' stating that due to Florida insurance reform, they were issuing a credit to policyholders because they had made excess profits. The document stated : " If you have an outstanding balance, the credit will be applied to it. If you do not have an outstanding balance, or if the credit exceeds the balance, the remaining amount will be returned to your last payment source. '' XX/XX/year> : XXXX sent me a refund check in the amount of {$310.00}. That is not the full amount they owe me. They kept {$110.00} of my money. I still have that check. I have never deposited it. I do not want a partial refund. I want the full {$430.00} returned to me. XX/XX/year> : XXXX sent me a claim letter regarding medical bills from an accident. The letter was from XXXX XXXX in the Claims Department. XX/XX/year> : I received an official notice from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) stating that XXXX reported my policy was no longer active. The notice threatened to suspend my driving privilege and vehicle registration effective XX/XX/year>. XX/XX/year> : I contacted XXXX via live chat. The representative, XXXX XXXX, told me : " So you owed {$1300.00} on XX/XX/year> which included a balance from the policy period that ended. This is why that bill in XXXX was higher than the future payments you would have had. What you paid went towards the balance and a few dollars from the credit also went towards it. We refunded the difference. '' She also said : " I am finding that back in XXXX you only paid {$430.00} towards the {$1300.00} bill due on XX/XX/year> to renew your policy. This is why your policy did not renew and expired on XX/XX/year>. The credit was applied after your policy was already expired so we issued a check refund of the credit to you. '' XX/XX/year> : Progressive sent me a Florida Uninsured Motorist Coverage Selection/Rejection Form . This is a form they only send to active policyholders. They would not send this to someone whose policy lapsed on XX/XX/XXXX. This proves they were still treating me as a customer over a month after they claimed my policy was dead. On XX/XX/year>, I contacted Chime customer service and explained everything. I told them about : My XX/XX/year> payment of {$320.00} The XXXX duplicate charges on XX/XX/XXXX totaling {$430.00} ( {$410.00} + {$15.00} ) The partial refund check of {$310.00} dated XX/XX/XXXX That Progressive kept {$110.00} of my money The XXXX suspension notice The XX/XX/XXXX credit document The XX/XX/XXXX coverage form proving XXXX still considered me a customer I provided screenshots and proof of all of this. Despite this, Chime denied my dispute. They sent a generic email stating : " We've completed our investigation of your billing inquiry, and we've determined that no billing error occurred. '' They did not contact me for more information. They did not explain how they reviewed my evidence. They simply closed the case. Chime only credited me a partial amount. They kept most of my {$430.00}. I still have the XXXX refund check in my possession. I have never deposited it. That proves I am not trying to get paid twice. I just want my full {$430.00} returned to me. What I am requesting : Full reversal of the {$430.00} duplicate payment Confirmation that a human reviewed my evidence Accountability for Chime 's lack of communication and failure to properly investigate Documents I am attaching : Proof of XX/XX/year> payment : {$320.00} Proof of XX/XX/year> payment : {$410.00} ( Confirmation # XXXX ) Proof of XX/XX/year> payment : {$15.00} ( Confirmation # XXXX ) XXXX document showing policy lapsed XX/XX/year> XXXX document dated XX/XX/year> about Florida excess profit credit Copy of XXXX refund check dated XX/XX/year> for {$310.00} XXXX claim letter dated XX/XX/year> Florida XXXX suspension notice dated XX/XX/year> XXXX live chat transcript from XX/XX/year> XXXX Uninsured Motorist form dated XX/XX/year> Chime denial email

Company response to consumer: Closed with explanation