Complaint Review: Chime bank -

My "loyatlties" lie with people who want to be responsible for their actions and accounts.

The fact is that you didn't refute or deny anything I stated except for the cause of the error, and that was only because of something YOU had failed to mention in your original report.

**** I think the readers know where your loyalties lie ****

HOW DO YOU KNOW WHAT MY MOTIVES ARE?

- Really, so their cost had absolutly nothing to do with your decision?

It couldn't have been by their reviews, because at this point your next response would be "Just look at how horrible their reviews are all over the Internet".

It couldn't be because of "online" convienence, because just about every major bank has the same(and sometimes additional) services this bank provides.

It couldn't be their availablity to talk to someone face to face..because they don't have that ability. 

It couldn't be getting paid two days early if you have Direct Deposit..Because while that's great the first time, but after that you have exactly the same time between paychecks.

Automatic Savings Program? Yea that can be pretty good, but there are other banks that have similar programs.

I KNOW THEY MADE THE MISTAKE because after over 10 calls emails and whatnot, they finally told me what happened and then they finally credited my account back.

- When you are writting a "RipOff" on a PUBLIC site, don't you think it would have been a good idea to mention this little fact in the original post? You see we can't read your mind we have no idea what you "mean" to say.

But unlike my post, you appear to be the one full of assumptions and reading things that aren't there. As no where in the response did I "blame" you, in fact the comments were just to point out that nothing you had posted showed that they were at fault.

As again you are assuming that the error was on THEIR end THE PROBLEM DID TURN OUT TO BE CHIMES FAULT. They did eventually return the funds, but only after I was charged late fees from my landlord and now I have late payment on my record.

- If they are at fault, then yes they should also reimburse you for the fees that were incurred due to the error. But again it goes back to the reason, you stated that they told you the reason was that it was missing the +4 of the zip code. If you were responsible for providing that, then it may not be their fault. However, I will say that is a very strange reason and should not cause something to be sent.  But I wonder if again since we seem to be only getting pieces of your story if there is not more that you are leaving out.

Oh and sorry contrary to your other assumptions, I do not now or have I ever worked for this or any bank.  As mentioned this is a PUBLIC website and as such the PUBLIC may respond and not in the way that goes with what you believe.

Who does this guy Robert think he is? HIS RESPONSE SHOWS THE TRUE NATURE OF THEIR "BANK". It illustrates the exact frustrating attitude of these bank people. Maybe that's why he doesn't identify his relation to chime. AUTHOR: Robert - (United States) SUBMITTED: Friday, December 14, 2018 I signed up with chime bank bc they claimed it would make my life easier. - No you signed up with them because it was cheap. HOW DO YOU KNOW WHAT MY MOTIVES ARE? 4) When they have an issue with your payment. They don't bother to return the money to your account nor do they even notify you that there was a problem. - How do they know there is a problem with the check? It could be just a case where the receiver hasn't deposited the check yet? Again, without access to my account, how do you know? In FACT I finally got someone to admit that they NEVER EVEN MAILED it bc the +4 on the zip code was not included. THE CHECK WAS NEVER MAILED! AND they knew it for three weeks without letting me know. 5) when I called customer service. They always say " that payment as already been TRANSFERED." - Because the payment was transfered to their company that prints the checks so they are correct, and regardless of the number of times you call it wouldn't change this fact. I could care less what this companys internal procedure are. The problem here is that there is a difference between taking money from my account and actually printing and sending a check. Apparently everyone associated with this organization does not understand basic banking. 6. I asked for proof of payment. A canceled check anything, and they repeatedly give the same story. "We don't ever provide canceled checks. - A "Cancelled" check is a check that was presnted to the bank by the receiver..according to you the check wasn't deposited so there is no cancelled check to provide to you EXACTLY MY POINT. this organization was saying my check was already paid, but refused to provide proof. My apartment complex wanted proof that there was a check. All along they knew they never mailed it. 9) it took almost a week to get the money returned to my account for a mistake that THEY MADE -How do you know that THEY made it? If they processed and mailed a check, it could have been lost/misdirected by the post office. It could have been received by the apartments and "lost" (I've worked in offices where this would happen on a regular basis). This would be a bigger chance in your case if the management company doesn't expect "rent" checks to be sent through the mail, especially 3 weeks ahead. The fact is that with these companies, there isn't some guy in a back room handwriting checks. They send their data to a company who processes and sends out the checks. Could something have been where yours was some how missed..yes, but it is more likely further down the line. I KNOW THEY MADE THE MISTAKE because after over 10 calls emails and whatnot, they finally told me what happened and then they finally credited my account back. But almost a week? Perhaps it isn't a case of what you are asking but how you ask it. Instead of going on the "blame game" with them, perhaps you should have asked them to just Cancel the check. I tried this several times and each time they said that the money was already "transferred" and the check could not be canceled. 10) if I had not had to call repetidly over 10 times to get help, they would have simply kept the money. - Of course because unless you call they don't know there is an issue. Again it is not always a case of what you are saying, but how you say it. This "bank" intentionally tries to frustrate anyone with an issue in hopes of making them just give up. . As this guy "Robert" 's response proves. They ASSUME the problem is the customers and this incorrect assumption is what upsets customers. No "customer service" person is willing to do anything other than what you can look up on the web interface. I was very nice the first 3 times I called after they provided incorrect, evasive and deceptive information. What I expected was the bank to send me a message IMMEDIATELY when there was a problem sending a check ( or any transaction) - Your expectations are unrealistic. As again you are assuming that the error was on THEIR end THE PROBLEM DID TURN OUT TO BE CHIMES FAULT. They did eventually return the funds, but only after I was charged late fees from my landlord and now I have late payment on my record. I CLOSED MY ACCOUNT BECAUSE OF THEIR PREDATORY BEHAVIOR. - May I suggest instead of trying to go "cheap" opening up an account with a regular Brick and Mortar bank, where if you have an issue you can actually go into a bank and talk to someone face to face. THIS IS EXACTLY WHAT I AM RECOMMENDING EVERYONE TO DO. Run away from chime while you still can. Yes I agree this "bank" is cheap. They obviously don't hire banking professionals for customer service.

I signed up with chime bank bc they claimed it would make my life easier.

- No you signed up with them because it was cheap.

4) When they have an issue with your payment. They don't bother to return the money to your account nor do they even notify you that there was a problem.

- How do they know there is a problem with the check?  It could be just a case where the receiver hasn't deposited the check yet?

5) when I called customer service. They always say " that payment as already been TRANSFERED."

- Because the payment was transfered to their company that prints the checks so they are correct, and regardless of the number of times you call it wouldn't change this fact.

6. I asked for proof of payment. A canceled check anything, and they repeatedly give the same story. "We don't ever provide canceled checks.

- A "Cancelled" check is a check that was presnted to the bank by the receiver..according to you the check wasn't deposited so there is no cancelled check to provide to you

9) it took almost a week to get the money returned to my account for a mistake that THEY MADE

-How do you know that THEY made it? If they processed and mailed a check, it could have been lost/misdirected by the post office. It could have been received by the apartments and "lost" (I've worked in offices where this would happen on a regular basis).  This would be a bigger chance in your case if the management company doesn't expect "rent" checks to be sent through the mail, especially 3 weeks ahead.  The fact is that with these companies, there isn't some guy in a back room handwriting checks. They send their data to a company who processes and sends out the checks. Could something have been where yours was some how missed..yes, but it is  more likely further down the line.

But almost a week? Perhaps it isn't a case of what you are asking but how you ask it. Instead of going on the "blame game" with them, perhaps you should have asked them to just Cancel the check.

From their site....

Can I cancel a check?

Yes. Checks can be cancelled as long as they have not yet been presented for payment. If you wish to cancel a check, please call us at 1-844-244-6363 or email us at [email protected]. Funds from any cancelled check will be credited to your Spending Account within 1-3 business days.

10) if I had not had to call repetidly over 10 times to get help, they would have simply kept the money.

- Of course because unless you call they don't know there is an issue.  Again it is not always a case of what you are saying, but how you say it.

What I expected was the bank to send me a message IMMEDIATELY when there was a problem sending a check ( or any transaction)

- Your expectations are unrealistic. As again you are assuming that the error was on THEIR end

I CLOSED MY ACCOUNT BECAUSE OF THEIR PREDATORY BEHAVIOR.

- May I suggest instead of trying to go "cheap" opening up an account with a regular Brick and Mortar bank, where if you have an issue you can actually go into a bank and talk to someone face to face.