Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXX my account at chime was hit with a - {$580.00} from a reversal that took place without giving me any kind of proper notices that this was going to happen I was not told that my dispute had been denied or why they denied my disputes. I had not been getting any of my refunds that should have been added back to my account from XXXX  unpin checking all my bank statements I have never received any of my refunds from XXXX so i disputed the transactions to get my money back that should have already been added to my account. I contacted XXXX daily several times a day and screenshoted all out messages they claim that my refunds have been issued back to my bank that if I have not got any them to contact my bank which I did so XXXX chime claims that they have not had any pending refunds from this business. I have been trying to have my money returned to me for several months now during the dispute chime added credits to my dispute to my account and I had not ever received a formal notice that my dispute was denied and upon checking that case had been closed. I did not owe any money on a credit reversal they just did a reversal on my account out of the XXXX and XXXX not provide me with the information that this was going to take place I was not giving any kind of warning so I XXXX have options to fix my account or solve the issues. I rediputed the transactions for the second time and chime told me that they would add my credits back to my account until the investigation process was over and this could take up to 90 days they gave me a date of when to expect the investigation team to complete the investigation and that date was XX/XX/XXXX. I could not get any funds from me account it was in a negative balance and I was not able to receive any funds that was needed to provide for my family I told them I was in a hardship because they did not inform me of this information first they would not fix the errors they made I sent in all my statements where I never have received any of my refunds from XXXX and I sent them screenshots of messages from XXXX support team and emails they sent confirmation from I sent them my screenshots of all my receipts I was to get a refund for and they denied me with our giving me the cause of why they made that decision when it was time to add my credits the second time they went ahead without any notice again of the denied decision they made I had just spoken to the supervisor and was told my credits would be added in XXXX hours but they denied my case the second time and left my account in a negative balance I have been calling them on chat and by phone everyday since to let them know that it's is against the law to not give formal warning notices before they take this action against my account inhave jot received any help or letters still I asked for the reason of denials and they could not provide me with the information they would not let me speak to the person in charge that made that decision on XX/XX/XXXX I received my direct deposit from my child fathers deaths benefits in my account which I'm suppose to get on the XXXX each month but chime adds my check a couple days early this time they added my check to my account XXXX day earlier than they usually do and because my account was still in the negative balance and they did not fix this issue they took my whole check to help me provide for my child now I can't pay my bills or buy necessary items or food for my family it's caused me to be in a terrible situation now I'm in a hardship and need help on getting my money back chime has not been adding my refunds to my account and they did not give me proper notices that my account would be having a reversal that do not provide me any warning this is against the law my right is violated they can't just take my check because they did not provide the information of what and when this would take place they also took XXXX dollars from my account that a friend of mine sent to me to help me out on XX/XX/XXXX and they also took my refund i had been waiting on from XXXX from XXXX they was out of I needed that money to finish buying my groceries but instead chime took that too for a negative balance I do not owe they owe me back all my money and need to pay for this stress and hardship they put me in by not providing the information to me before they took action on my account they have to give me a warning on when and where this would take place they did not provide me with this information and they have been taking money for double charges and not refunding me my money I want to sue them and I need my money back drom them i am reporting that my check was wrongly taken by chime to the social security XXXX to see what option i have and if i need a attorny or not this is important thay I get help now

Company response to consumer: Closed with explanation