Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX located in XXXX XXXX XXXX, New Jersey, regarding what is to be deceptive and negligent automotive repair practices. 
On XX/XX/XXXX, I dropped off my XXXX XXXX XXXX at the XXXX location in XXXX XXXX XXXX. During a prior visit, I was advised that my vehicles motor mounts and timing belt should be replaced due to vibration and mileage ( approximately XXXX miles ). I authorized the timing belt replacement and requested the full timing belt kit with water pump, as well as an inspection of my left blinker, which was not functioning. 
I was informed on XX/XX/XXXX, that the vehicle was ready, and I was asked to pay {$1500.00} over the phone before pickup. When I retrieved my car on XX/XX/XXXX, I was told the blinker issue could not be fixed and that I would need to find a replacement XXXX XXXX from a junkyard. I was not shown the old parts that were supposedly replaced, nor was I provided a detailed explanation of the completed work. 
Shortly after picking up my vehicle, it began making a loud squealing noise, which worsened over several days. On XX/XX/XXXX, I contacted XXXX again and scheduled a follow-up appointment. When I brought the car back on XX/XX/XXXX, the technician stated that the belt had been installed too tightly and that the noise was normal for new belts. 
Over the weekend, the issue persisted and worsened. I then took my vehicle to an independent mechanic for a second opinion. Upon inspection, the mechanic found that : * The pulley for the belt was bent and wobbling ; * There were no fingerprints or signs that necessary components had been removed to access the water pump and timing belt area ; * The timing belt appeared used and was identified as a factory XXXX belt, not a new XXXX kit as listed on my receipt; * The job should have taken approximately three hours, not justifying the {$760.00} labor charge listed on my invoice without any breakdown. 
On XX/XX/XXXX, I returned to the XXXX XXXX  and spoke with XXXX ( shop representative ) and XXXX from corporate. I presented my concerns and evidence suggesting the work was not properly performed. They dismissed my claims, spent nearly two hours rechecking the vehicle, and again tightened the belts. I was told the XXXX belt was part of the XXXX  timing belt kit as stated on my receipt. I was told the repairs were covered by a XXXX warranty, which I never received at the time of service only after I complained. When offered a document to sign, I refused due to lack of trust in their integrity. They also told me that the XXXX belt that is currently on my car is sold at XXXX  the store that they buy their parts from. I personally went to the store as well as messaged XXXX online myself and both confirmed that if I paid for a duralast timing belt kit part number XXXX, I should not have a XXXX belt part number XXXX. They even checked their system for the XXXX and confirmed they do not sell that part in their stores. 
Based on the independent mechanics findings, XXXX  findings, and my own observations, I believe XXXX charged me for parts and labor that were not performed or installed, constituting fraudulent billing and deceptive business practices. My vehicle now runs worse than it did before the service, and I am seeking a full refund of {$1500.00} to have the necessary repairs correctly performed by a qualified mechanic. 
Attached are copies of my invoice, photographs of the parts in question and messages between me and XXXX. 
I appreciate your offices time and attention in investigating this matter. I am available to provide any additional documentation or statements as needed. 

After dealing with that I put in a dispute twice with chime and never got a reason why my dispute was denied only got a generic answer was told I would get a email within 10 days why it was denied and only got back the information I sent in. XXXX did not do the work I paid for and I have proof and have even filed a complaint with the state attorney generals office. I went to XXXX myself twice and they completely deny anything that I am saying and telling me they did the work. I sent pictures of my car and the belt on my car currently and even messages within XXXX XXXX where XXXX bought the parts and XXXX XXXX said they do not sell XXXX belts they even looked the part up in their system and it did not show up. The pulley on the side of my belt is bent as well and my car squeals when I reverse or make hard turns. I never had this issue before hand and Im afraid to even drive my car. I use my car to get to all my job locations and I am missing out on work having to deal with all this aggravation and no help from anyone. Im being told this is a problem but XXXX is just getting away with this and my own bank who Ive said nothing but good things about is giving me a hard time on top of it. I told them Id be happy to send in anything else they would need as proof and they cant even tell me what else would be needed and not explanation on why my dispute is being denied.

Company response to consumer: Closed with non-monetary relief