Checking or savings account -- Problem caused by your funds being low -- Complaint #10080903
Complaint Overview
Complaint ID: 10080903
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Bounced checks or returned payments
State: Texas
ZIP Code: 75093
Date Received: 2024-09-10T12:00:00-05:00
Date Sent to Company: 2024-09-10T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX at the XXXX XXXX XXXX in XXXX I experienced a water leak which left me without water the entire day.I contacted the front desk and complained.And they told me they would issue a refund for that day since I was unable to use the water. On the receipt for that day, I have adjustments that have been placed on that payment.However, there is no card number for them to have re issued the refund to on the receipt.So I was told to contact my bank and have them do a charge back. I even called chime and gave them the number and name of who to speak to regarding this refund. Chime never called them. My bank being chime, has decided 4 separate times to deny my claim of a charge back for a payment that the hotel has deemed should be refunded. I disputed this transaction on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Each time I am sent through the exact same processes that lead up to the exact same outcome. Chime has chosen to override the hotel authority of a refund and deem the payment as processed. The issue I have now is that after the the first rebuttal XX/XX/XXXX, I was issued a credit. It was then reversed before the second rebuttal XX/XX/XXXX. That reversal has taken my money and left the account in the negative for a month now. On a credit building account this negative balance has demolished my credit score. And this is unacceptable. Any good this credit building account has done has been undone to a degree leaving me worst off than when I started. How chime feels it has the right to do these things is beyond my comprehension at this time. Even with the reversal of reversed credit payment how do I rebuild my credit score due to this injustice? I am trying to get a new apartment and car. And my credit rating is preventing me from doing so. I'm disgusted with this company.
Frequently Asked Questions
What is Complaint #10080903 about?
Complaint #10080903 was filed against Chime Financial INC regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2024-09-10T12:00:00-05:00.
How did Chime Financial INC respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Chime Financial INC?
Yes, visit the Chime Financial INC company profile at readthecomplaint.com/company/chime-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.