Consumer complaint received 2026-05-27 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this formal complaint against Chime concerning its mishandling of my dispute claim, failure to properly investigate my complaint, inaccurate reporting of dispute information, reversal of provisional credit without justification, and the severe financial hardship their actions caused me. Consumer Information : Name : XXXX XXXX XXXX Email : XXXX Claim ID : XXXX I have been a customer of Chime since XXXX. For years, I trusted Chime with my banking needs, including the direct deposit of my Social Security benefits and other important personal funds. Unfortunately, my experience with Chime during this dispute process has been one of the worst and most stressful financial experiences I have ever dealt with. This complaint concerns a disputed transaction in the amount of {$600.00} related to a hotel reservation made through XXXX for a XXXXXXXX XXXX XXXX On or around XX/XX/XXXX, I filed a dispute with Chime after experiencing serious issues with the hotel reservation. Upon arriving at the XXXX hotel property connected to my XXXX reservation, I immediately discovered that the hotel was filled with dogs. I suffer from XXXXXXXX XXXX XXXX and exposure to those conditions created a XXXX XXXX XXXX XXXX XXXX. The environment was not suitable or XXXX XXXX XXXX XXXX XXXX XXXX As soon as I became aware of the situation, I informed the hotel staff and attempted to address the issue directly with the property. I explained that I am XXXX XXXX XXXX and that the conditions of the hotel created a XXXX XXXX XXXX XXXX Despite notifying the hotel staff of my concerns, no meaningful effort was made to accommodate me, relocate me, resolve the issue, or provide an acceptable solution. I then contacted XXXX to report the problem. During my communication with XXXX representatives, I was informed that I would be refunded due to the circumstances surrounding the reservation and the conditions at the property. I retained correspondence from the XXXX agent reflecting the promise of a refund and provided those records directly to Chime as evidence supporting my dispute claim. I fully cooperated with Chime throughout the dispute process. I submitted all requested documents, communications, and supporting information in a timely manner. I believed the documentation clearly demonstrated that I had a legitimate dispute regarding services that were not properly rendered and accommodations that were unsuitable due to my XXXX XXXX XXXX However, despite the evidence I submitted, Chime denied my dispute claim. I was shocked and disappointed because it appeared that little to no meaningful investigation had actually been conducted. I contacted Chime again to challenge the denial and requested that they properly review the evidence I submitted. Chime then denied my dispute a second time. Again, there was no clear explanation provided regarding what evidence they relied upon, what investigative steps were taken, or why my documentation was disregarded. It felt as though my claim was simply dismissed without fair consideration. What made matters even worse was that Chime later issued a provisional credit related to the dispute and then reversed that provisional credit only XXXX days later. The speed of this reversal raises serious concerns about whether any legitimate investigation occurred at all. It appeared that the provisional credit was removed automatically or arbitrarily without a good-faith review of the facts and supporting documents. After reversing the provisional credit, Chime removed funds from my account, including money connected to my Social Security deposit. This caused me severe financial hardship. Those funds were necessary for my living expenses, bills, food, and daily survival. The sudden removal of the money placed me in an extremely difficult financial situation and caused emotional distress and XXXX. I believe Chime failed to treat me fairly as a customer and failed to follow appropriate consumer banking standards in handling my dispute. After the second denial, I specifically requested information regarding the investigation that Chime claimed to have conducted. I wanted to know : What evidence the merchant provided What investigative steps were taken Why my supporting documentation was rejected What legal or factual basis justified denying my dispute Why the provisional credit was reversed so quickly Instead of providing actual investigative findings, Chime merely returned copies of the same documents that I originally submitted to them, along with an incomplete and inaccurate summary of my complaint. They failed to provide any real explanation showing that a meaningful investigation ever occurred. Even more concerning, the documentation Chime provided contained inaccurate information regarding the timeline of my dispute. Specifically, Chimes records incorrectly state that I filed the dispute in XX/XX/XXXX. That statement is impossible because XX/XX/XXXX has not even occurred yet. My dispute was filed in XX/XX/XXXX. This inaccurate reporting raises serious concerns regarding the reliability of Chimes internal dispute process and recordkeeping procedures. If Chime can not even accurately record the date a dispute was filed, it calls into question the legitimacy and integrity of the entire investigation process. At this point, I no longer trust Chime to safely or fairly manage my finances. Due to the way I was treated during this dispute process, I changed my direct deposit information after banking with Chime since XXXX. That was not a decision I made lightly. I had remained loyal to Chime for years, but this situation destroyed my confidence in the company. I believe Chimes actions demonstrate : Failure to properly investigate a consumer dispute Failure to reasonably consider supporting documentation Failure to provide transparency regarding investigative findings Improper reversal of a provisional credit Inaccurate and unreliable dispute reporting Mishandling of customer funds Conduct causing significant financial hardship to a long-term customer I also believe Chime failed to adequately protect consumers who rely on their accounts for essential living expenses and federally protected benefit deposits. The emotional and financial impact this situation caused me has been severe. I spent months attempting to resolve this matter professionally and in good faith. I provided evidence, responded promptly, cooperated fully, and repeatedly requested clarity and accountability. Instead of addressing my concerns fairly, I felt ignored, dismissed, and financially harmed. No consumer should have to experience this level of stress and financial instability simply because a financial institution refuses to properly investigate a legitimate dispute.

Company response to consumer: Closed with explanation