Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
A dispute was filed on XX/XX/XXXX by myself to Chime, the mobile money app. Represented by XXXX XXXX XXXX 
The amount was for initially {$690.00}. That was denied XXXX XX/XX/year>. On XX/XX/year> that dispute # XXXX. Also said to be ( by Chime customer Agents for Member Services ) a different dispute number XXXX. Totaling {$690.00}. I don't know what to believe. Neither of their details turn out to be accurate. Based on what information they've provided me through my account, provided by the UPDATED CHIME APP. 
XXXX XX/XX/year> that dispute was approved. Dispute number XXXX. For the total amount of {$690.00}. 

On XX/XX/XXXX, at XXXX my account balance was a total of $ XXXX. Thats including the SPOT ME and MY PAY FEATURE. 
On XX/XX/XXXX, at XXXX XXXX My account was - {$100.00} with multiple purchase deductions from various merchants. That i did not do. And all of the. Where the same purchases id just disputed and been approved for refund for. They were all timed and dated for the exact same date and time on XX/XX/year>. Which is i.possible for several reasons. 1 reason being. If the account was - {$19.00} there's no way those purchases could've been made by me. 2. No purchase can be done and completed at the exact same time as 5 others from one card. 
Ive had 6 Dispute Supervisors escalate and provide me with reference numbers. They are as such ; # XXXX / # XXXX. / # XXXX. / XXXX XXXX / # XXXX. / # XXXX. 
These reference numbers are ALL DISPUTE SUPERVISORS TAKING AT LEAST 2HOURS ADDING AND SUBTRACTING MY TRASACTIONS, SOME DATING BACK TO XXXX XXXX THROUGH TO TODAY XX/XX/year>. 

THIS HAS WENT ON TOO LONG. INVESTIGATIONS HAVE SENT EMAILS ALLEDGEDLY THAT I NEVER RECIEVED OR WITH I FORMATIONS NOT CORRELATING WITH INFORMATION IN MY ACCOUNT. SUCH AS, ON XX/XX/year> I WAS CREDITED {$270.00} FROM A UNKNOWN MERCHANT. MYSELF AND SUPERVISOR XXXX CONFIRMED THE SOLE AND ONLY TRANSACTION XXXX MY ACCOUNTFOR YHA DATE WAS {$1.00} WITHDRAWAL FOR XXXX SERVICE TEXT NOW. 
THE ALLEDGD PARTIAL CREDITS NEVER HIT MY ACCOUNT NOR WERE THERE ANY CREDITS EXPLAINED AS CREDITS OR FROM WHAT MERCHANT. 
FAR TOO MANY DISPUTE SUPERVISORS HAVE CONFIRRMED CHIME OWES ME MONEY AND THEY NEED TO REPLACE THE {$99.00} THEY ERRONEOUSLY DEDUCTED FROM MY DIRECT DEPOSIT FROM SSI ON XX/XX/year>. 

I HAVE EVERY SINGLE. PHONE CONVERSATION. ALL WITH EITHER 3 HR HOLD TIMES. BING HUG UP ON AFTER WAITING HRS. HAVING AFENTS BLATANLY LIE TO ME ABOUT DETAILS NOT ON MY ACCOUNT. GIVE ME FALSE INFORMATIOON ABOUT WHAT AGEBTS CAN AND CANNIT ACCESS. TANSFER ME ACKAND FIRT BETWEEN MEMBER SERVICES AND ISPUTE DEPARTMENTS 4 AND 6 TES STILL GIVING ME NO RESOLUTION. BEING RIDE TO ME FOR ONWIIRING ABOUT MONEY MISSING FROM MY ACCOUNT. SUPERVISORS HANGN UP ON ME. ITS BEEN A VEY STRESSFULL AND HARMFUL EXPERIENCE. 

PLEASE BEFORE THIS HAPPENS TO SOMEONE LESS FORTUNATE THAN ME. AS IM PRACTICALLY A DESTITUTE BELOW AVERAGE INCOME BASED CIIZEN WITH A NEWBORN. 
Ive experienced agents that can not speak English beyond 2 or 4 words hardly legible. Ive experienced agents talking so fast with that strong accent everything sounds like constant sounds you make for a baby to laugh. And ive experienced this EVERY SINGLE DAY SINCE XX/XX/year> AND IVE HAD TO REEAT MY ACCOUNT INFORMATION OVER XXXX TIMES SOMETIMES XXXX IN XXXX DAY TO MULTIPLE AGENTS ON THE SAME PHONE CALL

Company response to consumer: Closed with explanation