Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #10744813
Complaint Overview
Complaint ID: 10744813
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Money was taken from your account on the wrong day or for the wrong amount
State: Oklahoma
ZIP Code: 741XX
Date Received: 2024-11-09T12:00:00-05:00
Date Sent to Company: 2024-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/year>, I attempted to make two ATM withdrawals using my Chime account : one for {$100.00} ( totaling {$100.00} with ATM fees ) and another for {$80.00} ( totaling {$82.00} with ATM fees ). Both transactions were denied by the ATM machine, and I received printed receipts confirming that no cash was dispensed. I immediately contacted Chime customer service to report the issue. I was advised that the pending charges would likely reverse automatically since the withdrawals were unsuccessful. However, the charges were later approved and deducted from my account, despite the fact that I never received any cash.I provided Chime with evidence, including the ATM receipts, which clearly show the date, time, and location of the attempted withdrawals. The receipts confirm that the transactions were denied, matching the bank records for the dates and times in question. Despite this, Chime denied my dispute. I also contacted XXXX, the ATM network operator, and they informed me that any issues related to the dispute need to be resolved directly by Chime. This leaves me with no other recourse but to escalate my complaint.
Frequently Asked Questions
What is Complaint #10744813 about?
Complaint #10744813 was filed against Chime Financial INC regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2024-11-09T12:00:00-05:00.
How did Chime Financial INC respond to this complaint?
The company responded with: "Closed with explanation". 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.