Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XXXX I filed a dispute report with beyond compelling information for an approval, the bank then closed my account and removed my access to in app help and account access. i then received a acceptance from the merchant and I notified chime representatives, they stated funds regarding dispute would still be handle efficiently and quickly despite account closing, through the course of weeks Ive been following up with both merchant and chime ( recorded calls ) to ensure success of the mailed checked totaling XXXX for this dispute mainly but any any other amounts because I dont know what the value was prior to closing in any of my accounts as the closing was immediately no warning, instant account ban and no information given on why when I consulted chime agents just general book read information was given. They have lied about dates, denied me assistance and service, neglected me on numerous occasions, lied about the status of the dispute one days its done one day its not when I call in, sometimes the reps just hang up with the up most disrespect. 

Unfortunately, Chime has not performed well and the service i received was inadequate because representatives arent knowledgeably equipped or cant see that information as stated by representatives on numerous occasions leaving me the customers with XXXXXXXX XXXX, elevated XXXX and XXXX, no resolution, clarification or effective helping explanation for the actual issue at hand regarding chime withholding money, and discrimination. I am disappointed because the amount of help I got as a customer being a member for so long vs now having my account closed, has been the complete opposite of care, or the sympathy I got before it is extremely unacceptable especially when the problem can be easily completed as the merchant has already accepted dispute I even stated this was a life or death situation to the representative on XX/XX/28 as chime abruptly ended account and made all funds inconsiderately unavailable as I can no longer survive due to all funds being tied in one account leading to deterioration of life and jump starting my XXXX including XXXX, my symptoms have gotten extremely bad since then and extremely heightened after calls of bad service with chime, chime is basically holding up the line because they can and I am not a member now and this is just completely unfair to me and causing a ripple effect of chaos and struggle in my life, physically and mentally. The longer this weighs on me the more mental problems arise making my condition worse. 

To resolve the problem, I would appreciate and encourage chime to collaborate on a unique resolution that can satisfy the customer and bring healing instead of inhumane robotic behavior and actually help get this already done chargeback ( on merchants end ) to be done on chimes end chime is simply holding up a line for a time sensitive situation because they can, its unfair and I just really want this dispute completed and processed on chimes end immediately as the merchant has already accepted.

Company response to consumer: Closed with monetary relief