Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime keeps denying my dispute for XXXX XXXX XXXX XXXX delivered to my home. They say that no error was made when there were several. I made my statement and they asked for a picture. I told them I didnt have a picture. They told me I must have a picture or I cant dispute the charge which is not legal. How do you take a picture of cold food? So I submitted a generic picture of a broken hard XXXX XXXX to represent the poorly made and cold food that was delivered to my home. Where is the proof that my XXXX XXXX food arrived hot and as I ordered it? Which chime employee drove from XXXX XXXX to XXXX, Ca to watch my food be prepared? What evidence does chime have that supports that my food arrived hot. Did chime witness the XXXX XXXX employees cook each food item for the proper length of time? Did chime ensure that all the ingredients that I wanted added to my order were present and the items I wanted removed were those actually removed? Where is the supporting evidence that shows that the food was cooked long enough, where is the proof that the driver didnt have his a/c in his car pointed at my bag of food? How do you know that my food wasnt placed next to a drink and that effected the temperature of my food. There are so many unknown variables that chime has no evidence to support and they deny my claims so they can hold onto my money for aslong as possible to collect millions of dollars of interest on consumers money. When I deposit a check they hold it for longer than the time they originally tell me every time. This is another attempt to defraud customers out of their money, that is why the feds just ruled that chime may not refer to its self as a bank because they are not a bank and they do not operate under the laws of the banking industries. Plain and simple my food arrived cold and not as advertised. There were several errors made on this order and I am not responsible for the {$32.00} XXXX XXXX charge I have disputed five or more times and each time they deny it with no proof or supporting evidence and no details other than no error was made. I am the only person on this earth who can make the judgement of whether or not my food arrived to my satisfaction. Chime is a crooked company with integrity issues. Technicals this transaction is also an overcharge for charging me {$32.00} on a transaction I disputed. If I do not owe the charge and your not removing the disputed amount Iam being charged more than I agreed to as I did not agree to purchase cold and inedible food and per the over charging laws in the state of California that is a misdemeanor crime punishable by a {$1000.00} fine and the consumer gets all the disputed transaction back plus 10x the difference is collectible by the consumer for the overcharging for products delivered not as ordered or advertised. Chime is not a bank and can not refer to itself as a bank. Chime also continued to collect payments on disputed amounts which is a violation punishable by a {$1000.00} fine per instance.

Company response to consumer: Closed with explanation