Consumer complaint received 2024-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Referring to complaint # XXXX In regards to aforementioned complaint number Chime did state that they sent me a check for {$330.00} in XXXX. upon further waiting for this check to arrive. I have now contacted them multiple times. I still have not received the check and there is now stating that I owe them money after this complaint has been filed. There has been behind the curtain transactions and now theyre stating I owe them {$410.00} I would like this address immediately and I would like this corrected immediately as for they did publish on your website they response stating they owe me money and then after the response days after their response, they found a way to make sure I owe them money. This is a federal violation of baking practices and standards, and I need CFPB to step up and have my back on this. They have screwed me out of thousands and thousands of dollars and claims they have misled me they mismanaged my money and now theyre saying I owe them money. Please read this letter that was mentioned within the last complaint and I will attach any other correspondence I have had with them in regards to the thousands of dollars Ive lost close to {$7000.00} Ive lost the claim due to their malpractice in their lack of continuity and constitution to their policy, thank Letter to Consumer Protections Agency : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Protections Agency [ Address ] [ City, State, Zip Code ] Dear Sir/Madam, I am writing to bring to your attention a matter of grave concern regarding Chime 's failure to properly investigate disputes, which I believe amounts to discrimination against me as a XXXX American customer. 

My name is XXXX XXXX, and I have encountered significant challenges in addressing disputes with Chime. Despite providing comprehensive evidence to support my claims, I have faced repeated denials, resulting in substantial financial losses. These experiences have led me to believe that there is a lack of due consideration and professionalism in the treatment of my concerns. 

I have taken proactive steps to involve my bank in this matter, submitting a Regulation E form accompanied by a signed affidavit attesting to the errors in the claims. However, even with these measures, my claims have continued to be summarily dismissed. Furthermore, actual transaction receipts from ATM errors were disregarded despite being submitted as evidence. 

The financial ramifications of these issues have been severe, leading to significant personal and business-related upheaval, including my divorce and the loss of my home. I have engaged in discussions with banking and investigation agents, who have acknowledged the validity of my disputes and have indicated that the claims in question should be reimbursed. 

I firmly believe that I have been discriminated against as a XXXX  American customer, and that Chime has failed to conduct a proper investigation into my disputes. I urgently request your assistance in addressing this matter and ensuring that Chime upholds fair and just treatment for all its customers. 

I trust that your agency will give the serious attention this matter deserves, and I eagerly anticipate your swift intervention in this regard. 

Yours sincerely, XXXX XXXX Subject : Urgent Complaint Regarding Treatment of Claims and Disputes Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction with the treatment I have received as a XXXX  American customer of Chime. My name is XXXX XXXX, and I am reaching out to address a matter of utmost importance concerning the handling of my claims and disputes. 

My experiences with the Chime claim team have led me to believe that there is a lack of due consideration and professionalism in the treatment of my concerns. Despite diligently providing comprehensive evidence to support my disputes, I have faced repeated denials, which amount to over {$3300.00}. This pattern has prompted serious doubts about the thoroughness and fairness with which my concerns are being addressed. 

I have taken proactive steps to involve my bank in this matter, submitting a Regulation E form accompanied by a signed affidavit attesting to the errors in the claims. It is perplexing and deeply concerning that even with these measures, my claims have continued to be summarily dismissed. Furthermore, actual transaction receipts from ATM errors were disregarded despite being submitted as evidence. 

The financial ramifications of these issues have been severe, leading to significant personal and business-related upheaval, including my divorce and the loss of my home. In light of federal regulations by FDIC and FBI for federally funded institutions, it is imperative to ensure complete transparency in all interactions. 

I have even engaged in discussions with the banks and investigations agents, who have acknowledged the validity of my disputes and have indicated that the claims in question should be reimbursed. The closure of my account in these circumstances is not only unwarranted but also raises serious concerns. Therefore, I urgently request the reopening of my account for a comprehensive investigation into both prior and current filings. 

Moreover, I wish to formally lodge complaints against the investigation team members handling these claims. It is evident that due investigation of the facts has not been conducted, and the latest emails received from your team have been unprofessional and unacceptable. 

I request formal proof of complaints filed against these employees and further request proof of reprimand for this behavior. In addition, I kindly request that all future correspondence be directed only to a proven supervisor to ensure fair and appropriate treatment of my concerns. 

I trust that my concerns will be given the serious attention they merit, and I earnestly request a thorough review of the treatment of my claims. Your immediate attention to this matter is indispensable, and I eagerly anticipate a swift resolution. 

Yours sincerely, XXXX XXXX Chime Inc . Customer Support [ Chime Inc . Address ] [ City, XXXX, ZIP Code ] Subject : Request for Reinstatement of Account ( XXXX ) and Full Access for XXXX XXXX  Urgent Need for Proper Investigation Dear Chime Inc . Customer Support, I am writing to address the recent limitations placed on the account associated with the email address ( XXXX ), owned by XXXX XXXX. It seems that these limitations may have been implemented in error, as there have been no breaches of any contract or signed agreement on our end. We kindly request that XXXX 's account ( XXXX ) be fully reinstated, granting him immediate and complete access. 

XXXX XXXX, as the account holder, has been a loyal and responsible Chime user and has always adhered to the terms and conditions outlined in the user agreement. Therefore, the sudden limitations on his account have caused significant inconvenience and distress. We believe that this action was taken in error and may have resulted from a misunderstanding or misinterpretation of account activity. 

We urge Chime Inc. to conduct a proper and thorough investigation into any disputes and allegations brought forth against XXXX XXXX. We request that Chime Inc. carefully review all evidence provided by XXXX XXXX in defense of his position. It is imperative that Chime Inc. defends its clients rather than condemns them, especially given the significant amount of funds involved, which exceeds {$4000.00}. 

Furthermore, it is essential to note that the limitations on XXXX 's account have not only hindered his ability to carry out necessary financial transactions but have also prevented him from accessing an amount exceeding {$4000.00}. This has caused significant financial hardship and impacted his ability to conduct essential financial activities. It is our hope that Chime Inc. will consider the gravity of these limitations and expedite the review process accordingly. 

Should this matter remain unaddressed for 24 hours, we will be left with no choice but to escalate our concerns to the appropriate authorities, including the Consumers Protection Agency, the XXXX XXXX XXXX, and the Federal Office for Financial Protection and Responsibility Department. We trust that Chime Inc., as a reputable financial service provider, values its customers and strives to resolve issues in a fair and timely manner. 

We urge Chime Inc. to conduct a thorough review of the situation and provide transparent and documented evidence of any alleged violations. If no infraction or violation can be substantiated, we expect Chime Inc. to promptly reinstate full access to the account ( XXXX ) owned by XXXX XXXX. 

We appreciate your prompt attention to this matter and look forward to a swift resolution. We trust that Chime Inc. will act in good faith and address this issue with the urgency and consideration it deserves. 

Sincerely,

Company response to consumer: Closed with explanation