Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX Chime bank This morning I received a notification that a transaction had been made in my account that I did not do, upon receiving this I proceeded to call Chime to inform them about the particular transaction, and proceeded to file a dispute against the transaction. They then explained that if I submit this dispute that my card will be deactivated and I will have to wait for the new one to come in the mail, this call was made at XXXX. I then told the representative that I I didnt want my card to be canceled due to the time it takes for another one to come. She said okay call ended. Only problem was I didnt recieve any notification that the dispute was submitted. So around XXXX I called back and explained to the second representative that I called at XXXX to submit a dispute and it was never submitted, that was when the representative explained the reason why was because in the event I submit a dispute that my card would be deactivated and a new one would be on the way in the mail. Mind you this is the 9th card I have received in the passed 3months. At that point I explained to the associate to not worry about filing a dispute because I couldnt afford for my card to be deactivated due to an urgent issue that I was dealing with with my family. I then repeated this numerous or times that u didnt want too file the dispute. We hung up, 20 mins later I recieve notification that my card has been deactivated and a new one was on the way. The customer service agent basically ignored my request to not file and did what he wanted to do with my account basically letting me know that the rep had more control and say so over my account then I did and my request to not file the dispute didnt not matter. At That point i tried to call and see if they would reactivate my card to 2 separate supervisors and was told by both they were sorry but I would have to wait two weeks and they then proceed ed to tell me how to use my account and the available cards ( virtual card and credit card ) which neither one allows me to make atm withdrawals in which due to the urgent family matter it was imperative that I used cash. Yet they didnt care and one supervisor hung up in my face while the other didnt try to make it right in no way shape form or fashion. I got off the phone feeling powerless, insecure, and no say so when it comes to my money and my account I have been a customer of Chime for over 10 plus years and I have never felt so powerless in my life. Then they have no real supervisor with authority that is able to fix and make situations like this right your just left with a ton of empty less sorry and what that rep did when he took it upon hisself to delegate my account was put me in a compromising situation and my son in a very dangerous position as to where and what he needs is an atm but why do I have to go into detail explaining myself is beyond insane now that is has occurred it not only ended my relationship with chime but has also made me emotionally unstable as well as terrified of the position my child is now in.

Company response to consumer: Closed with explanation