Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AR

Complaint narrative:
As of XX/XX/XXXX, I have been fighting tooth and nail with Chime trying to file disputes and get my money back for the services. I did not receive on the beginning of XX/XX/XXXX I was meant with the sum of utilities Arkansas crewmember coming to disconnect my services for nonpayment. I wasnt aware why my services was getting disconnected because I have been paying my bill monthly with my chime account, I was told by some of utilities to provide documentation of the payments and I did after going back-and-forth for about a week with summit and shine they had discovered that the payments that were taken out of my account by chime was not being sent to the summer utilities Arkansas and I was told by summer utilities that they have not been paid for their goods and services since XXXX and that I need to quote get my money back from Chime so I then begin to contact Chime about the issue and spoke with different people of member services and finally, they decided to file a dispute. The dispute was supposed to be escalated and take up to 3 to 5 days but it was not. I am on day 11 of fighting too and nails to get my money back into my account so that I can pay some utilities and get my services back in order. I was told today as of XX/XX/XXXX that it is not chimes issue. it is summons issue, and I asked to speak to a supervisor who gave me the runaround and hung up on me several times regarding the matter of this dispute. I also did my research and found out that Chime will say that theyre going to do an investigation, but they really dont have a resolution team. It is ran by AI and they will deny the claim after speaking with another supervisor. I asked him is there anyway that I can personally get in touch with the resolution team about seeing whats taking the matter so long and when I will be even receiving a provisional credit for this matters, I was told that they dont have a number where I can reach the resolution team they can only put in a request for someone to reach out to me hopefully they will the agent/supervisor also stated that they have had people who have never heard back from the resolution team and once they deny it, its just denied. I just feel like theyre trying to keep my money for this issue. It is over {$1000.00} that Im old. I also have a dispute with XXXX  mobile in the amount of {$630.00} and {$.00} for a phone that I did not receive I also sent the documentation with that of me purchasing the phone. The confirmation and no update on tracking or anything from XXXX mobile I reached out to them as well as well as try to get a three-way call both of them refused to even talk to me or chime so Im left with trying to get funds back and it seems as if theyre not trying to give me my money back and its almost total {$1900.00} that Im owed. I made a single mom of four children one of which has XXXX XXXX and Im unable to work because of my child with XXXX XXXX so I have no room to be giving out money and I would appreciate if there was anyway I can receive my money back expeditiously it has been 11 days and as of XXXX policy after 10 business days they are supposed to allocate me a provisional credit in the amount of the disputes until the investigation is complete. I have not gotten that either.

Company response to consumer: Closed with explanation