Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5606273
Complaint Overview
Complaint ID: 5606273
Company: Chime Financial INC
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Minnesota
ZIP Code: 554XX
Date Received: 2022-05-26T12:00:00-05:00
Date Sent to Company: 2022-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Chime customer service has been completely horrendous. I have went over and over with them. Ive never had the opportunity to work with someone with any understanding, autonomy or initiative. Often times we have a hard time understanding each other accents. I am really getting nervous that this will never be finalized and i really need my money. Chime has a credit builder that is hard to understand, deceptive and has a mind of its own. I believe the max i ever wanted to go into the separate chime credit builder account was {$1600.00} But before I knew it, my entire paycheck was being put into a credit builder account. All was well, looking forward to revolving credit. Being in finance and being the son to a bank owner, i know revolving credit is crucial to ones XXXX. Anyway, last year around the same time i had XXXX or so in my account. I was scheduled to receive my pay check. ON like the XXXX of XXXX I THINK {$6700.00} was clearly taken out of my account. All it said was credit builder payment. Normally you'll see credit builder payment but the money from checking then goes to your " credit builder account. But this appeared as though i had actually borrowed the money. The money from checking was taken out but it wasn't transferred like normal. I made a call that day and the customer service rep said " o that's really weird let me immediately file a complaint ''. Then unfortunately the next day i called and a separate employment check was deposited and the amount were similar. The employees were saying it transferred to you credit builder. BUT clearly it was from my employer XXXX XXXX. One guy told me my balance the day before and clearly identified it, but after talking to his supervisor he said it was right. When i asked for the balance again for documentation he refused to give it to me. IT WAS SUPER SUPER SHADY. Something is not right here. I have sent countless emails and no one ever helps. It makes me sick and has been so disturbing to think this could happen with a federally regulated BANK. I need someone to help me with this but it is impossible to get any help.
Frequently Asked Questions
What is Complaint #5606273 about?
Complaint #5606273 was filed against Chime Financial INC regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-05-26T12:00:00-05:00.
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.