Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
on XX/XX/2026 I had purchased products from State filings to legitimize my business XXXX XXXX XXXX. These charges were taken from my Chime account on the same day in the amounts of {$79.00} and $ XXXX XXXX XXXX I addressed my issue of filling for anXX/XX/XXXX with the rep from State fillings ( XXXX ) that I did not want anXX/XX/XXXX and I did not understand what the additional chargers were for. I sent them to her in an email and stated I needed her to stop all processing of the XXXX immediately and withdrawal the application. XXXX deflected multiple times when I requested this and I stated to her " if I ( the customer ) request to withdraw the request Immediately she has to do so. XXXX proceed to tell me I would have to call the XXXX of XXXX myself and ask for this request although I did not submit the filling. I explained that is not what I read on theXX/XX/XXXX website. I also sent he a screenshot of the XX/XX/XXXX website stating the request was received, which means it had not be reviewed yet and I could get my money back due to it not being processed by theXX/XX/XXXXXXXX had no issue refunding the {$79.00} charge which was credited by to my account on this day. XXXX also stated to me she saw an additional {$190.00} charge for " agent service fees '' which would pertain to herself that I did not see on my account. From this point I filed a dispute with chime for funds taken out that I did not authorize because I did not wish to have an LLC it would be a Sole Proprietary and I was not getting anywhere with State fillings on XXXX XXXX. Chime said the dispute would take XXXX days " but it shouldn't be that long '' and that if my dispute was not settled by XX/XX/XXXX I would receive and advancement. I called Chime on XX/XX/XXXX to asked about the advancement and to speak with the investigator on the dispute. I was told I could not speak to an investigator and the rep read the same status off to me that I read on my app. The I was transferred to a different department to ask about the advance because I have charges coming out of my account that are affecting my credit and I can not have that as I am starting a business. I was denied the advance due to it being too early and I was denied a loan. I looked on my Chime account on XX/XX/XXXX to see that my dispute was denied and there was not additional information in the email they sent me. I checked to see if the XXXX had been processed through theXX/XX/XXXXTexas data base because that would be the only reason I got denied. The documentation on the XX/XX/XXXXdatabase stated the application was rejected and they did not receive any payment because of the withdraw so it was done in time. I called chime to speak with someone about this and I was told I had very valuable information and the reason why my dispute was denied was because it was not categorized properly. The rep reopened my dispute and assured me it was open correctly this time but I would have to wait XXXX days and I could not get an advance until XX/XX/XXXX. I expressed that it was not my fault they screwed up and the investigation wasnt handled properly so why should I have to wait when I clearly got the documentation they never bothered to look for. I was told this was all she could do and to upload the document I have from theXX/XX/XXXX. I asked if I could speak to an investigator and if they could give my updates and I got an excuse that they work in the back office and there is no one I can speak with. From this point I just said okay. I have a recording of the chime call when they reopened the dispute and documentation of emails screenshots and the sealed document from the XXXX Texas that they did not receive any payment.

Company response to consumer: Closed with explanation