Credit card or prepaid card -- Trouble using the card -- Complaint #4691311
Complaint Overview
Complaint ID: 4691311
Company: Chime Financial INC
Product: Credit card or prepaid card
Sub-Product: General-purpose prepaid card
Issue: Trouble using the card
Sub-Issue: Trouble getting information about the card
State: Ohio
ZIP Code: 43612
Date Received: 2021-09-04T12:00:00-05:00
Date Sent to Company: 2021-09-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, I am forwarding this complaint because Chime truly put my family in a bind and presented additional mental distress during this pandemic, I emailed this company over 15x for a better understanding of why our overdraft limit went from XXXX to XXXX in one fail swoop in a spann of 2hours. I would like to offer context and backstory to this, I have been with Chime for 3 years-they are not a traditional bank so that's why I tried them out. One of the features the app has is the ability to have a friend send you a XXXX. A friend of my husband and I sent a {$5.00} boost and that in turn increased our XXXX Overdraft limit to XXXX. We received an email notification at XXXX, XX/XX/21 then at XXXX we received an email stating that our overdraft limit had been dropped to XXXX. That is a huge difference, granted we aren't entitled to the overdraft but this is what they advertised and I partook in that. This caused instant panic and distress due to the fact that the XXXX was factored into our budget. I reached out to customer service, and the rep did not have answers, so I then spoke with a supervisor, and then floor manager. The floor manager XXXX added insult to injury being rude, sarcastic, flippant, he would put the call on mute while we asked questions and would not respond. After a phone call that was over a hour and Us being pushed to the extreme limits I mean exhausted mentally and angry, we are given emails XXXX XXXX XXXX and XXXX XXXX XXXX. I reached out to them and was told that that our last qualifying deposit in order to enable XXXX was in XXXX, but I was confused by this because in XXXX the SpotMe limit was XXXX. They had no rhyme or reason to why it continued leaving my family under the impression that the overdraft was XXXX. I emailed them so many times with no response, until the point I knew I was being ignored. This has put my family and I in a terrible bind for the next 2 weeks. There was no warning that the limit would change or anything. This entire experience was traumatic and I pray someone looks into why there wouldnt be a warning email or something.
Frequently Asked Questions
What is Complaint #4691311 about?
Complaint #4691311 was filed against Chime Financial INC regarding Credit card or prepaid card specifically about Trouble using the card. It was received by the CFPB on 2021-09-04T12:00:00-05:00.
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 (Credit card or prepaid card) 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.