Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
Ive been having trouble with this bank institution I thought it was XXXX it cost my account to close and drop I have a recorded conversation as well and for the record I let the agent for this company ( chime ) know that I was recording the conversation by law in Pennsylvania I must have both parties know that Im recording on XX/XX/XXXX at XXXXXXXX XXXX a payment of XXXX was made by direct debit card member services via web payment with a card to ( XXXX XXXX XXXX  ) with card number ending in ( XXXX ) I have a screen shoot of the virtual card that I will provide you with in this dispute so it is a card the problem is I cant make these payments to my XXXX XXXX institution. Cause there system is not set up to take cards only routing and checking account so how are accountants. Gon na itemize this at the end of the year u have one accountant doing checking one doing virtual one doing digital you have language changing idk but this bank statement that I also filed a dispute about another issue where language was changed and the transaction date was on my card is XXXX XXXX payment on XX/XX/XXXX the ( XXXX XXXX  ) XXXX receiving XXXX a day earlier then that of chime XX/XX/XXXX XXXX am on chime it says chimes says XX/XX/XXXX it was paid but on XX/XX/XXXX on XXXX XXXX  statement on the chime card from card ending in XXXXhow is that beyond me they did t think its a problem I do they hang up they dismiss me like Im crazy a pic will Tells a thousand words I been telling them the dates are off there something. Wrong its been costing me fees account to close with chase when the whole times that I know I have money in the times that is important they are not accurate I believe this is a direct violation of the clarification act nothing is clear with them its always it on me well when is it on them when and at what point are they gon na be liable for this I will give you another example I go to XXXX I needed to make two deposits each in XXXX increment I had to provide them with a physical card and Id that they swiped twice once for each transaction. that day and another day and it says I used a a card ending in XXXX and that is false I used my physical card that you can look at the cameras and see ending in. XXXX and XXXX also I have have a pic of them again today changing the language of a transaction at XX/XX/XXXX at XXXX for both XXXX t it went through to now it says card was declined cause it was frozen thats why it didnt go through when I saved a screen shot that contradicts what they claim well they cant both be right I will provide you with them pics of well its strange how it keeps changing and two months after the fact only when I brought this to there attention. So at XXXX on XXXX my the day of the actual transaction both went through but then on another time at XXXX todays XX/XX/XXXX that the transaction was declined cause the a iunt was frozen but then I will show you a pic from two days ago when it says Friday XX/XX/year> that it went through 2 months later but the actual date it happenes is XX/XX/XXXX, at XXXXXXXX XXXX so theres a pattern here so this is that I will show if they can do this they can do what they want I believe that there are serious issues and irregularities and I rules and many volations and acts where broken here I have two cash deposits saying it was done with a I just started looking closely Im sure Ill find more they will not take accountability its always in XXXX XXXX this is crazy they should have an agent come to me and come to physically see what they are doing and get the recording they hung up when they knew there caughtand im a chime olus member i get treated really good at I only scratched the surface

Company response to consumer: Closed with explanation