Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: FL

Complaint narrative:
To express my deep dissatisfaction and concern regarding a misleading incentive offered by Chime, a technology company of the State of XXXX, which was presented as a true benefactor for opening a financial account with their services. The account was promoted with the promise of a bonus and the ability to file taxes for free, alongside the claim that it would serve as a multifaceted financial toolacting as a credit builder through everyday transactions and bill payment reporting. Initially, I was enticed by the promise that using this account would help me build or improve my credit score, which was a pivotal opportunity for developing new credit history. I understood that the account would report bill payments and transactions to the ( XXXX ) XXXX major credit bureaus, thereby positively impacting my credit profile. However, this resulted in a lack of satisfaction and damage. Upon immediate notice of negative credit impact, I submitted a customer support request via telecommunications within the first XXXX months, trusting that this period would be sufficient to see tangible results and a positive report reflecting the credit-building activity. Granted, after the XXXX months, no credit report or evidence of credit activity was ever provided. Instead, I observed a sudden and unexplained XXXX decrease in my credit score, which occurred instantaneously. This drop severely impacted my ability to secure credit through cards or loans, creating a domino effect that has hindered my financial options. Throughout the entire duration of using the account, I have seen no formal reports indicating a correct balance, how that balance was determined, or any activity that would contribute to credit building. It appears that the credit has not been accurately reported at all. Despite multiple attempts to seek clarification and support from Chime, which leverages XXXX XXXX, I have received little to no assistance. These representatives are unable to account for the conditions of the credit arrangement, nor do they provide clear explanations or solutions regarding the lack of reporting and the damage to my credit score. This situation is extremely disappointing, especially considering the initial promises made during account opening. In fact, their communications have expanded to excessive spam providing notice that their email box is no longer supported. I believe I have been misled by false advertising and inadequate disclosure about the actual functionality of the account and its credit reporting capabilities. The absence of any formal credit activity, combined with the sudden score damage, constitutes a significant breach of trust and a failure to deliver the promised benefits. This without the disclosure of restrictions applied when filing formal taxes. I request a thorough investigation into this matter, a clear explanation of why the credit reporting has not been activated accordingly, and appropriate corrective action to restore my credit score and rectify this misleading experience.

Company response to consumer: Closed with explanation