Complaint Review: Chime Bank (Bancorp Bank) - Internet

that you claim we are ASSuming things wrong when actually it's you who's doing it. Even after being told that we don't work for Chime, you still insist on ASSuming and claiming we do. Guess that tunnel vision is part of the problem you posted about.

 Haha. I loved your hypocrisy at the end. You did everything you said you were not trying to do. THAT IS THE TYPE OF PERSON you are. So, with that you have lost credibility from the start. If you had used your brain, you would see that I said I am NOT the only one who has had this issue. I also stated I am not one to just lay down, and get over it. People like YOU are why companies get away with what they do. Now..since you thought you knew the facts. Let me correct you. READ this SLOWLY. Ha. I was NOT given any notice. I was literally sent an email at 7PM CST, still have the email stating my account would be closed on April 1st. I then tried to withdrawal the remaining, and it was already closed. I am sure Chimes records will show an attempted debit at that time. With that being said, it was a HUGE inconvenience. Hence why the attorney I have retained states I have a case. See, I never once disagreed with any terms. Nor did I violate any of the terms. My account was closed, simply because Chime was TOO lazy to work to fix the issue. Why should I ask their customer have to drive to the other side of town, just because their product isn't working? Why should I have to fix an issue I dis not cause? You say I must of done something wrong? LOL I simply swiped my card, as I always have. Simple. The funds were held, but the transaction was declined. I will say this again. I DID reach out to BOTH parties. I have proof of that as well. No one could tell me the issue. Really? No one knows anything? To me that us utter bullsh**, and quiet alarming. Now, if you wish to I continue being a know-it-all, arrogant POS, you are more then welcome to join me in court. :) I follow through. I'm not a yapper like yourself. Now on that note... I rest my case. Get a life. A hobby, or maybe a job? Stop trolling those who honestly do not even need your input. So, see you in court?

 No one with a brain would waste time harassing people on this site, unless they are paid or just no life trolls. I appreciate the "internet" lawyers on here who think they know everything, but we all know what ASSuming does. Ha. I have retained and ACTUAL ATTORNEY who has looked at the FACTS, and says I have a case. No where did I say I was looking for some lavish settlement, that is you ASSuming once again. I am simply asking for change, and simply warning others. See, you know the saying.. "A happy customer tells one, a pissed off customer tells many!" so think on that. Lastly, get a life. Stop assuming you know everything. I as a customer have the right to fair business, just like everyone else. I reached out to Kroger. I did my part, and more. If CHIME gave any s**+**, they would of tried to figure out the issue the 1st, or 2nd time it happened. Why do you wanna be lawyers have such an issue with someone wanting change to a rubbish policy?

You stated that companies need to be held accountable. That is correct, they need to be held accountable to the law and the terms and conditions you agreed to when you got the card.

To that end, the terms and conditions that you agreed to state that they can close your account out at any time and for any reason. You have admitted that this is the case as well.  There is also no law that is contrary to that.  

They gave you a courtesy notice 1 day in advance that they were closing your account, yet you did not do anything about it. You stated you got an e-mail at 7PM stating it was closed, so you had close to(if not over) 24 hours to withdraw the funds before closure. You have given no indication that in the remaining 5 hours between 7PM and midnight that you were planning on taking out the funds. So it is unlikely you would be able to prevail on any claims relating to the closure.  As again they didn't even have to give you this notice.

You also show the basic "entitlement" attitude that somehow Chime is responsible for finding out why you have issues at Kroger. Sorry but you are one person, and if you are the only one reporting an issue(and obviously not the only transactions they get from Kroger) then the default is that you are doing something wrong. This even though you don't agree is a risk to them. They gave you 3 chances and you didn't get a clue that perhaps that is a store you may want to avoid.

The common thread here is that you have people giving you what the reality is, and not some wishful thinking when something doesn't go your way. Now this site gets your type of person every so often. The one with this "entitlement" attitude. Where, to paraphrase a semi well known TV host, the ones that even though they are being told the reality prefer to reject this reality substituting their own.

Yes you are like the ones who for what ever reason continue to say that they are right and they will be doing all of these things. But after awhile they just sort of go away and you never hear of anything that they "did". As you see we get people claiming they will take it to the National Media..never hear anything.  They say they will shut the company down...never hear them getting shut down. They say they will start a massive Class Action Lawsuit...never hear of one.

I hear you now. You are practically screaming that unlike those other people YOU will be the one to follow through, because your claim is right and unlike everyone else you have the motivation and desire to see the CEO put on a rocket for a 1-way trip to Mars and you will not rest until you spread your story around the world on Social Media, the regular media, and up to the Supreme Court.  You also probably already have a full legal team at your command where because your case is so horrible that they are willing to do this for no charge...right?

No, I am not doing this to make fun of you or "knock you down". Just to point out that you are not really seeing reality and yes we have heard all of this before.  

Good luck and in the end I do hope you get your funds returned in a timely manner.

1) Chime approved the transactions. You stated the money was reserved from your account so obviously the problem isn't on Chime's side. It's with Kroger. Something is not matching up to their standards and procedures so they are denying the transactions.

2) Standard response for the OP to claim someone works for the company when their post doesn't support the OP. I stopped counting after my 20th "employer" claim.

3) You acknowledge Chime has the right to cancel the account. You accepted this when you opened the card. You never had a problem with it until it happened to you, then "it's not right". Most the time when a financial institution cancels an account, it's done and then they tell you. So your complaint about them doing it early is just an inconvenience not a rip off.

So, basically that's 3 strikes just in your response to me. Not counting the ones in your responses to others. Keep dreaming about your great case against Chime and the great reform and recovery you'll get. Just remember if it's a class action suit, only the lawyers get paid. So if you want the big bucks you think you deserve you need to be the only party suing. Good luck.

 You're a lawyer or judge I assume? You sure act like you know it all, you do not. Companies need to be held accountable. You may choose to lay down like a pup, but I will not.

All of the things you cite as hassles and broken promises are not recoverable damages...  The question comes up before the courts almost daily.  The issue in your case becomes whether you would be able to recover anything from the lack of use of the card (a benefit) and subsequent inconvenience in not using the card.    The courts have cited the benefit of using the card is at best incidental, and generally award nothing.  The inconvenience has no value for the court.

Having said all of that, you staked your complaint here and elsewhere.  If they don't give your $$ back in a reasonable time, they're stupid.  Best of luck to you.

 This was not the only issue I had. I just chose not to blast ALL of my information on the web. How did I suffer? Ummm, they chose to close my account EARLIER then promised. They closed it at 7:00PM. I have the email. They closed at 7:00PM. They hindered me from my lively duties. My funds were literally held hostage, and I was given ZERO reason as to why. You are also wrong on filing a suit. The suit would be held wherever I live, as I am the one who filed it. At least in Tennessee that is how it works, hence why most companies settle out of court. If this was a problem with Kroger, do you not think Chime should of backed me as their customer, and reached out to see why it kept happening? No. They decided to punish me. I did my part in contacting Chime several times, AND Kroger. You do not know all the facts, you are just assuming things and trying to tear down a customer. That is gross, and why companies get away with the s*** they do now a days.

They withheld my monies, and with that being the only bank I used it immediately impacted my lively hood. So, that there is grievance. What if my rent was due? What if I had absolutely no food, and no way to put gas in my car to get to work? All those things happened, and that is WRONG. Companies should at least be REQUIRED to give you the option of withdrawing the remaining funds, instead of telling me when they will send me MY money. It is MY money, and what they did is theft. Changes need to be made, and I plan to push for those changes vs just whining online. So, take this advice. Sit back and think about you being a customer, and this happening to you. And once again. Chime lost NOTHING by releasing the Kroger holds. If CHIME cared about it's customer base, they would of reached out the FIRST time to see why my card wouldn't work at Kroger. Keep in mind...I had used my Chime card over and over at Kroger, no issue. Yet those 4 times it was an issue, and no one could explain why. Excuse it all you want. What was done is wrong, and repugnant. Have a blessed day!

The problem with pursuing a case in this situation is exactly how have you been damaged?? I know you went through a hassle with the company, and I'm not here to judge either party as to whether the hassle was legitimate, or not. The problem is that courts generally don't value hassle as a part of a judgment; in other words, even if you were to prevail in court, how have you been financially damaged, other than your money they're holding?? If this company finally hands your money back to you, then you are essentially back to where you were financially had there been no Chime, other than the hassle. As you and others point out, the company is certainly within their right to close the account, whether for cause, or not. I mean you can try to pursue this in small claims, but it would be in a city favorable to them, in accordance with your agreement. Even if the jurisdiction happens to be local to you, the first thing the judge is going to ask you (after the judge possibly rakes Chime over the coals), is how have you been damaged?? You bring up the hassle, the judge is going to sit there, and say, I'm sorry...you win, but your damages are $0. There are other minor problems with your case. For example, you're only citing the problem with Kroger, and someone else tried to bring this up as an issue, and you accused them of working for the company (BTW, no one here works for Chime). Did you have problems elsewhere?? If there were other merchants you tendered the Chime card for payment, and there were no problems, then your problem isn't with Chime, it's with Kroger. If there were other merchants with the same problems as Kroger, then yes, possibly your issue would be with Chime, but not necessarily so. These minor issues don't change the larger problem though of no damages.

 Nope. Wrong. If the issue was with Kroger, why did Chime allow the funds to be debited each time? You work for Chime, but can deny it all you want. There are multiple websites where people are complaining about the same things. PS...I should be able to use my card at any LARGE retailer without an issue. Chime lost NOTHING when releasing those funds, so your point is moot. Want to try again? Chime closed my account not only without reason (which I know they can do, but it still doesn't make it right.) but also closed it earlier then what they stated. So, enjoy your short employment at Chime. I have teamed up with many past customers, and we are taking action.

If a store (such as Kroger) requests the transaction, and your card approves it (as you say Chime did 4 times) and then says it was declined, it's something the store is doing not your card owner. Everything was good to go for Chime but Kroger for some reason said "nope, we can't do this". So this first part of your complaint should be on Kroger, not on Chime.

As far as cancelling your card, this is the right of any/all card companies. You said they were willing the first 3 times to release the money but the 4th time they closed the card. How many times do you think the card company should allow something like this to happen??? I can understand the first time. Second time should have taught you not to use that card at Kroger. 3rd time should have definitely been the last, but you just had to go for 4. Not a rip off here, just a company cutting it's losses short. Any upset you have should be with Kroger who caused the problem, not with Chime.

And before you say it, No I do NOT work for Chime.