Checking or savings account -- Problem caused by your funds being low -- Complaint #4796966
Complaint Overview
Complaint ID: 4796966
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Overdrafts and overdraft fees
State: Ohio
ZIP Code: 43081
Date Received: 2021-10-10T12:00:00-05:00
Date Sent to Company: 2021-10-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I use Chime aka XXXX. My card was fraudulent used and once the charges settled I filed a dispute through the app because it seemed simple enough and its like pulling teeth to try to get through to talk to anybody for their customer service. I filed the dispute in the app and nobody ever contacted me or anything when I contacted him through the chat in the app to get an update they told me that I didnt get a provisional credit because I did not submit the required document when I asked them to send me the document so I could see what it was and fill it out its the same exact information that they have you fill out for the dispute itself, after finally getting a reasoning as to why I had to fill out the same exact form I filled it out and sent it in a confirmation that they received it yet I still have not received my credit which is now causing issues with other companies that I owe money to because I have auto pay set up through the account and routing number in the account is in the negative because of the fraudulent charges so these accounts that are trying to take money to pay my bills cant take it and I being charged additional fees for them not being able to pull the money and late fees Ive reached out to Chime several times and they all keep sending me back the same script a automated response nobody has contacted me through the chat over the phone via email or anything other than descriptive responses in the chat and I dont feel like Im getting anywhere with this whole process and its now causing me issues
Frequently Asked Questions
What is Complaint #4796966 about?
Complaint #4796966 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 2021-10-10T12:00:00-05:00.
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.