Complaint Review: Chime Bank Card

I have been a member of chime bank for a little over 6 months.  The card was obtain as pay checks were paid 2 days ealier. ( now one day earlier). I have a traditional savings account with a credit union.  My paycheck is split 40% to savings and 60% to my chime card.

I reported my card lost on Oct 19th(Thursday) roughly at 9:51 AM.  As I drove into work, I realize my current address was not on file and called a representative to change it. I was advised at that time, it can only be done on line.  I was assured the new card would be shipped out on the 20th to the address I updated that day(Thursday).

I called a chime representative to ensure the new card was not shipped to the old address on Thrusday. I was assured the card would go to the updated address.

On 10/23 I attempted to link my Vantage Credit Union account and transfer money directly to my personal account that has the same name on my Chime Card. The connection went through the Credit Union Security asking the questions that were set up as a security measure, however it failed. I was unable to transfer money that route.

On 10/24 Chime was called to see if there was another way to transfer my money to my Vantage Credit Union account. I was advised there are only specific Banks that can be linked. (no where on the website does it say we only accept XXX banks.) I was then advise if I had a friend that had a chime account with my ID and friend's ID they would allow the transfer. (I have no friends with chime accounts).  The representative advised, the account is not frozen however, no money can go out without an active card on file. The representative further stated the account is not frozen because deposits can still be made. I was told to wait 14 business days for my card to arrive. (a total of 3 pay checks later)

I requested a supervisor and displayed my disappointment in the poor customer service received (no empathy for the customer).  How the website does not provide accurate information. You can not link any/all third party banks. I further expressed no where on the website does it state the account becomes inactive if there is not an active card was on file. (bills that were set to be paid via routing and account number (not card number) were denied. I encured 70 dollars for two return payments.

The supervisor advised the card is coming from Salt Lake City Utah via first class mail usps. As of today 10/27/2017 my card  has not arrived, postcalc.usps.com entering any utah zip code to a STL zip code would have place the card in my mailbox on 24th if the card was mailed on the 20th as stated.  Again as of today, no card over 1200 in my account, and savings account only allows so many withdrawls amonth, which have been exhaused. 

Today is payday, no food, no gas, no money and all I receive is poor customer service. I had to beg my neighbor for food to feed my children tonight. I have been in customer service/support for over 20 years. I have never in my life experience such poor, lack of concern, uncertain of company policy representatives in my life. I have trained many and these guys need my training.  Every last representative was rude, had no empathy, didn't care about my issue at all.  I would not recommend this bank to anyone.  It causes more headache then needed.  The representatives that speak with the customers as first contact show such lack of knowledge and have no pride in the company or being apart of it.  . These representtives are there for a paycheck only. (atlease they get thier paycheck).  As soon as my card comes, I shall be removing my money and closing my account.

I will post anywhere I can how horrible this card is. Chime, needs work on their customer service skills.  Teach your employees to have sympathy and empathy for the caller.  Its not the representatives job to fix the issue if it goes above thier head. It is their job to let the caller know they will do all possible to help.  They did not care if my children were feed or not.