Chime

I have been with Chime for 30 months. I regret the entire 30 months and ashamed to let people know a bank with this institution.

In September 2022 I was incarcerated until May 2nd 2023 for 3 months no activity transactions anything other than deposits was done on my account starting around November 2022 and authorized transactions online merchandise started happening which I was unaware of until my release I'm on social security I'm being released I had forgot my password I could not get my account and it did finally get in my account I had found out it was $4,000 of unauthorized transactions made online from November to after my release. When I noticed this immediately filed a dispute I provided documents. Proof of incarceration, a letter from One touch point Incorporated stating my information I've been stolen hope that server documents from cash app stating I did not have an account , I provide a documents of unauthorized transactions that was approved to the same merchants that are being denied in my 73 disputes that was recently 76 ,Chime removed three of my disputes without notifying me, they did inform me that the disputes they removed was made adjustments to my account in November before I file dispute how did they know they was unauthorized they denied my 73 dispute May 8th they informed me that they had made for adjustments on my account for merchants of Walmart which are being denied in my 73 disputes when I'm about to dispute they canceled my debit card the very next morning at 6:02 a.m. that was two unauthorized transactions made to Walmart and Amazon which are being denied in my '73 dispute those two transactions was approved by Chime after my debit card was canceled I found a dispute I had two adjustments made to my account I contacted a couple more merchants it's listed in my dispute they informed me I need you to provide the debit card numbers the dates the amounts which I have the dates in the amounts in my transaction history and informed tChime of what merchant said and I refuse to give me the debit card number I will save my new debit card I activated it from home didn't leave home the next day there was four authorized transactions made to apple.com online and I never used my card I just activated it cuz I said so red flags someone has my account numbers too I was made an adjustment for live for a couple weeks later two more and authorized transactions someplace made same merchants I file dispute and was approved had two adjustments made to my account if I really bottle for the 73 have a good night total of eight rebuttal one dispute all denied 73 disputes that was lifted.

chime emailed meb every time mother speaks for tonight they informed me they had documents to make your decision no error occurred and I could review them and I did I request a review the first time was a copy of my transaction history showing and authorized transactions was approved and paid I never doubted that there wasn't my dispute consist of I did not make the online transactions I did not give no one permission to make them or give them my personal banking information on the next dispute outside denied another one tonight and I provided all these documents I stated you still denied I wrote a letter stating what consumer financial protection bureau had sent me tell me what's required of me to do to file a dispute and that's all the consumers are supposed to do file a dispute it's up to the bank to investigate it and determine whether Panera was made or not and I grew up provided all his documents Chime once again said they had documents I requested to review them and your documents contained a copy of my transaction history and my documents to support their decision to deny me yes they use my documents against me the last documents they provided to me was they copied my transaction history and your questionnaire they ask you to file your dispute they have yet to send me any documents from the investigation to the merchants also no documents from the emergency still got dispute going on I contacted consumer financial protection bureau and phone number what happened everything I just stated filed a claim with them against chime August 16th cfpb provided documents to chime and on August 16th chime denied my dispute once again but when cfpb contacted them they told cfpb they needed more time to investigate August 30th was the deadline for trying to investigation they contacted cfpb again and that's for more time to investigate we'll see if he be I haven't done anything I want to step further I've contacted FDIC which has nothing to do with chime so I had to contact OCC urrency I'm in the process of filling out the forms for my claim but this time OCC informed me that stride Bank is financial institution for chime that we needed to go after stride not trying I informed chime I'm not giving up you're not keeping my $4,000 they have done this to several other people I strongly advise to read all the reviews on this institution that's wrong advice not to open an account now they have this spot me going on and their ad says open direct deposit of at least $200 get up to $200 a spot me feel free they will cover $200 on certain transactions and you got to also meet other requirements mine you have been there for 30 months and I've had spot me for 30 months my direct deposit is well over 200 well over since day one I have not missed the direct deposit I have met all the requirements all the criteria and my spot me has went up from $20 my increase is zero it has not increased in 30 months so I started making comments on that ad they have going on on social media I made comments on people's post that was asking about the spot me asking to sign up need to activate your debit cards I inform them my experience just as I Am with you I strongly advise no one absolutely no one to open an account with this institution read the reviews the first 300 it's just like mine thank you have a blessed dday.

Once I made the comments on the post I was emailed a message saying sorry to hear about your experience with chime and it was a time representative it said I will be taking a look at your account and will be in contact well a little time not long hour hour and a half I'll email I look into your account and I see that you have met all the requirements as for now I'm going to increase your spot to me no no amount was spoken up and I am also going to turn this issue over to our support team they will be in contact with you three to five business days I figured I'd get $30 $40 increase hour later I get another email I have escalated your situation over to a specialist who will be in contact with you 24 to 72 hours that's a joke that's a joke I've been waiting on the specialist since last year to contact me what I was informed especially for contact you within 24 to 72 hours it was a year ago you know that joke was getting paid never showed up and might be where my 4,000 went till this day I still have not heard from a specialist I received from emails from so-called support team members are dispute team members but call him and ask him to speak to a supervisor they work from home they're in the Philippines there is no supervisor there's only one number and you can't get in touch with it no one at time best way to get in touch with him is go on chats with robot to make them you need something about a dispute about your account he gets confused very easily can you request a call from John we'll send you a little message you tap on it you'll get a call from time you'll get another robot but you have to listen to the prompts you can get through to somebody they're very well don't like me I have you some strong language would you say but I was just forcing my opinion freedom of speech you know what I mean I still have not heard back from the support team or the specialist and I strongly guess to run away from institution I wouldn't even open the web page reading reviews somebody just told me all this what a telling you That's enough for me I'm a phone believer and I am for him I'm not giving up You're not getting my $4,000 will go I would federal court of pills OCC can't get my money back that is the next step federal court of appeal contacting BBB Federal trade commission legal guidance. Thank you and have a blessed day

I accidentally sent someone money that had their time account attached to my daughter's last phone number. When I asked the guy repeatedly, could he send me my money back?

He completely ignored me. I took emails and screenshot's send them to time to try to get my money back. And they deny my claim and they're gonna keep denying my claim to get my money back. I just want my $70 back.

It may not mean much to them, but it means much to me.

Because it was money for me to feed my granddaughter. Who's handicap that has cerebral palsy and for them to think it was ok to let him steal from me and I have been with thim for 5 years

Chime has a spot me service where they will advance money in advance of getting a direct deposit. So far it worked okay.

Not being able to sleep I walked to the local gas station in the middle of the night to make a purchase. It did not go through. I was upset as I had just made a deposit. So then I called Chime to try and figure out what the problem was.

Of course I got some person on the other side of the world who can't speak english. They did not understand what I was trying to say to them.They kept insisting that they could. But they couldn't so this was the whole gist of the conversation. I kept trying to tell them that there were two transactions on the credit card that I was disputing.

I purposely do not keep a balance on the credit card with the intention that if anything gets charged against the card it won't go through. Chime for some reason allowed the purchases which caused a negative balance which they then told me was the reason the spot me was used up.
I then told them that I did not understand why they allowed the negative balance. They told me the spot me feature allowed that. So fine.

I have a negative balance.I have to deal with that.
The whole 45 minute conversation was about me trying to understand why that purchase was not going through. I solved that issue by giving the clerk 50 cents which then covered the cost of the purchase.
I was not rude. I was not profane. I did not swear at them.

I just merely said that one would think that with all the english speakers in the world that maybe they could maybe find someone who could speak english, that maybe someone else could It was really clear that they simply could not understand what I was trying to say to them and that it was a language issue. It was not an insult it was a matter of fact. The customer rep got really upset, insisting she could speak english when it was clear she could not because she could not understand what I was saying to her. So she hung up.
A mere three hours later I get an email saying they were going to close my account because all of this was apparently my fault.

Of course they had to close my account so I can't get my money out so I can use it.
I don't think these customer service reps have any empathy, understanding or inkling that maybe making a customer call them in the middle of the night to find out why a $11.00 transaction was not going throught when I had money in the account. I could not understand what they were saying to me. They clearly had no understanding at all. But of course it was all my fault.
I get why banks use the call centers in some third world country in order to save money.

The downside is that these csr's has no understanding at all about who they are talking to. I went thru this nonsense with Citibank and look what is happening to them.
So after a fruitless, pointless, fustrating 45 minute call to some call center on the other side of the world nothing was resolved.
I disputed one transaction that I have no idea why or what it was for. The second transaction was for something that Amazon charged me for that I didn't want. So I have to go back to Amazon and try to resolve it with them.
The problem with all of this is that nothing gets resolved quickly.

Talking to customer service takes hours. Hours and hours of time. Hours and hours of fruitless pointless discussion which is not aided by the fact that these csr's do not have a good command of the language.
So now I am the problem. The best way to deal with a problem is to cancel people.

It doesn't matter that I have not had problems of any real sort with Chime to date but when I do have a problem that I am trying to work out with them and they can't understand what the problem is, its my fault. Its my money.
So given that I am starting to see problems arising with Chime that are precisely the same problems I had with Citibank, I am guessing Chime is headed in that direction as well. I still have my Citibank account but for how much longer is Citibank going to be around.
I have one bad conversation with someone who clearly was not vested in solving the problem and I get cancelled. The problem is with me, its not Chime who allowed a transaction to go thru on a negative balance.

Its not that the customer rep was so bad at communicating it took 45 minutes of nothing. Maybe Chime needs to hear how bad these csr's are. Maybe they can't do their job and maybe its their fault that they are not doing enough to resolve issues. Maybe Chime should own that.

if they are a bank they should do more to improve their customer service instead of blaming the customer.
It was not that money was not in the account. I just made a deposit. Maybe Chime should clarify their rules. Maybe Chime is not providing good information But sure as the sun rises each day every morning if the customer service rep does not have a good command of the language.

It doesn't have to be English it could be French.

I pointed out to them that maybe if they had a problem with their bank account and the person who was supposed to be helping did not have a good command of the language they would be equally fustrated but don't make it my fault. Don't keep insisting they could speak my language when it was clear they could not.
Then a mere two hours later instead of admitting that maybe the problem was them they tried to make it about me when it was all about them not being able to provide assistance when that is the whole purpose of their job.

Im in desperate need of getting ahold of chime. Ive done everything to try and contact the San Francisco location to explain to them whats going on.

There is a HUGE culture barrier with the Philippines office please help.
Ive filed a dispute 5 times and I keep getting denied within hours have been treated very poorly and even have filed a police report. There is cultural barrier and chime which Ive learned through experience is impossible to get ahold of. Im writing this because I am desperate. Last week money was sent to my new number which that number had been linked to someone elses account who had this number before me.

It was $800 my entire paycheck GONE.

I had sent all the proof that I was the owner of the number and all evidence needed including a police report. Yet they keep denying my claim because they cannot seem to understand that the number was previously associated with someone elses account therefore instead of the pay anyone option it went directly into there account.

Initially last WK I sent $5 from cash app to chime for the first time since I found my card. I sent 5 to chime so that I cud withdrawal my 90 from fanduel.

Then a few nites ago I sent I had sent $20 from cash app to chime. While I was at the store late nite n card kept declining. I got a hold of customer service b the said My account was neg $25 for sumthin I didn't even purchase bak n 2022 n had jus recently found my card. Which left me wit a balance of neg $5.

Then a cpl days ago I wanted to gamble n since I'm aware My chime account was neg $5 n sum change, (which my prepaid card shud have never been n the negative since I didnt have the funds) I deposited $20 which shud have left me with $15. Except they never added it wen I transfered the $20 from cash app. On my cash app statement shows I sent the $20 to the bank corp etc. But never applied to my account in still neg $5.

I'm seriously goin to look into getting a diff card or carrier bcuz this is ridiculous. N then can not even get ahold of a live rep to help me fix it. Technically im owed $40 for taking $20 the first time n then the second time another $20.

Not even putting on my account. I need this resolved ASAP

Chime customer service told me to file a dispute on $37 plus an ATM fee of $2.50 for an ATM transaction that never even occurred on that day I transferred money from my doordash account to my chime and that's the amount it took out automatically then chime told me to close the dispute on that because the issue was resolved then chime told me because it was taken out of my account again today that they fronted me the money and they took the money back because I closed the dispute I was doing what time told me to do and my account is extremely messed up and now I have another dispute going on over $97.50 because chime again told me to file a dispute on a reversal an ATM reversal I'm still waiting on that money chime again told me that the money would be in my account today and it's not so my account needs to be fixed today with the $40 that they took out and the $97.50 that I'm waiting on

Is the card currently in your possession? NO Was the card in possession at the time of the transaction(s)?

No Were any personal belongings lost/stolen? Debit Card Data Stolen Was anyone given access to the card? Merchant had Historical access

Case#

1228****

1228****

1230****

CEO Chris Britt

Chief Operating Compliance officer

Ms. Victoria Edison please contact me at my office today 920-309-****.

U have backoffice Debitcard Dispute Analyst who are illegally closing Regulation E cases for unauthorized without Provisional Credit payments. I do not tolerate overshore vagabond Thieves & liers & feel these monitored calls prove that my case should have been sent , investigated by Visa under CFPB & consumer law & none of your analyst are following protocol to get the money back to me as a customer. If Have to disclose these calls to your Social Media & Consumer Relations Headquarters I will because I expect my money in my account today & my original case open. I did not do International Businesss & its Chimes job to incorporate customer financial security.

Your agents lie & never sent my case to Visa which is illegal & I want my money in my account today Ticket Investigation

#8023****

Soka Gakkai LLC

#RITLA8444 Please call me this is important all my money was taken & Chime did nothing to submit my claim to Visa.

Visa Inc says they never received my chargeback request. I need my Provisional credit money today.

I Request My Provisional Credits Today for all Transactions I can not wait until March Reg E is my Consumer Legal Right