Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
Company Name : Chime ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Product/Service : Checking Account / Managing an Account ( Dispute / Billing Error ) Dispute Reference Number : # XXXX I am filing a formal consumer complaint against Chime for a severe violation of customer service standards and fair billing error resolution timelines under Electronic Fund Transfer Act ( Regulation E ) guidelines. Chime has dragged out a clear billing error for over two months, while its supervisory staff has actively engaged in deception, stonewalling, concealing their identity, and disconnecting calls to avoid regulatory accountability. The original transaction occurred on XX/XX/year>, for {$54.00} with the merchant XXXXXXXX XXXX The merchant completely canceled the delivery on their end due to a technical/driver application failurespecifically, the driver was unable to successfully scan a validly presented identification. Because of this merchant software failure, the order was canceled, and I received absolutely XXXX goods or services. However, XXXXXXXX XXXX forced a full charge of {$54.00}, which included an automated {$25.00} " Alcohol delivery return fee '' for a delivery they failed to complete. I filed my original dispute with Chime on XX/XX/year>. Chime initially denied the dispute on Monday, XX/XX/year>, erroneously treating this as a standard merchant-canceled charge rather than a technical failure resulting in services not rendered. On Tuesday, XX/XX/year>, I submitted definitive new evidence to the open dispute file, including screenshots ( specifically files XXXX and XXXX ) proving the merchant 's explicit cancellation notice and the unjust penalty fees. Today, Sunday, XX/XX/year>, I contacted Chime customer service to demand a manual escalation and a temporary provisional credit, given that Chime has held my funds for over 60 days. The following interactions occurred : First Representative XXXX XXXX XXXX : The frontline agent, XXXX, repeatedly refused to issue a provisional credit and explicitly refused to provide his employee identification or reference number when requested. First Interaction with Supervisor ( XXXX ) : After demanding an escalation, I was transferred to a supervisor who identified himself as XXXX. XXXX repeatedly parroted a script stating the transaction " did not qualify '' for an automated credit. When I called out his operational authority to issue a manual supervisor courtesy credit and calmly requested his supervisor identification number to document the call, XXXX intentionally hung up on me and disconnected the line. Second Interaction with the Same SupervisoXXXX ( XXXX XXXX : I immediately called back to demand accountability. A frontline representative named XXXX answered the call and immediately transferred me back to the supervisor queue. I was placed right back with the same supervisor, XXXX. During this second conversation, XXXX continued to flatly deny a credit and again refused to provide an identification number. When asked for an escalation to corporate management, XXXX explicitly lied, claiming that he was " corporate '' and that he was the " highest form of escalation there was. '' Only after I repeatedly pressed and requested his credentials multiple times did he finally drop the claim and admit his actual title was merely an " Account Supervisor. '' Chimes supervisor network is actively lying to consumers about their corporate status, concealing agent credentials, and disconnecting calls to evade accountability for a poorly investigated dispute. Chime has had more than enough time to review the uploaded evidence showing a gross merchant violation. I am demanding that federal regulators step in and compel Chime to issue an immediate, full refund of {$54.00}.

Company response to consumer: Closed with explanation