- Report: #1459316
Complaint Review: CHIME BANK -
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Author Confirmed
Why?
CHIME BANK
United States
Phone:
8442446363
Web:
Www.Chimebank.com
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Business Rating:
(0)
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CHIME BANK Yessica ,Withholding MY money Other
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I contacted CHIME the same day the transaction hit my account. I have had double charges on my account in the past and with CHIME not being an actual "BANK" there is a section in the app where you are able to contact "SUPPORT." So as I have done every other time, I went into the app, told them my issue, for ALYANNA to come back and tell me that I can not get my funds back!!! I tell them j want to speak to a supervisor, after going back and forth, letting them know that I have had this SAME ISSUE in the past and have NEVER had to fill out a form or WAIT TEN DAYS!!! I have spoke to multiple "supervisors" for them all to tell me I need to FILE A DISPUTE, but XFINITY (the merchant that double charged me) They said that it will take TWENTY FOUR HOURS if I contacted MY BANK, BULL
2 Updates & Rebuttals
QUEEN
Atlanta,Georgia,
United States
Ha!!!! ACTUALLY!!!
#2Author of original report
Thu, September 06, 2018
I DONT NEED A REBUTTAL FROM AN EMPLOYEE OF CHIME!!!! You MAD...ha ha, MY TRANSACTION WASNT PENDING....Those were the ones that WERE returned IMMEDIATELY!!!! So next time you waste your time with PARAGRAPHS of NONSENSE that didn't even need to be read...THIS report was not wrote for COMMENTS.... it wasn't for YOU...However, ASK FOR THE FACTS or READ...its fundamental!!!! Thanks!!!
Robert
Irvine,California,
United States
Actually
#3Consumer Comment
Tue, September 04, 2018
Actually based on what you wrote here, you are being given BS stories by both companies.
Contrary to what you think, or what Chime told you, a bank can not just cancel a "pending" transaction. There are several technical, and regulatory issues that keep banks from doing this. What most likely happened in the previous case is that the "pending" transaction just "fell off" naturally either due to the length of time or the other company removed the hold and released the transaction. The only way Chime MAY have had a role in it is if someone at Chime called the other merchant to verify and got them to do something, but this is VERY unlikely.
Now the merchant that double charged you this time, if the transaction has posted(you actually didn't give a screen shot of that), then they were giving you a BS story as well and told you to call Chime to get you off the phone and out of their hair. If they in fact did double charge you, they actually have the power to push through a credit that you would have in a few days. In addition, while they will never admit any responsibility and it would be next to impossible to get them to agree. But technically since they double charged you, they should also be responsible for any fees this error caused.
Now, if the transaction is posted, Chime is right. The only way to handle it from their end is to dispute the charge. They are also right that it could take 10 days to get a credit to your account. But most likely this will only be a PROVISIONAL credit while they complete the investigation. The full investigation could take 30-45 days. At the end of the investigation if they find it was a valid charge the credit will be reversed and the money will again be taken from your account.
This is how just about every other bank works. This is why if it truly was a mistake by the merchant..the merchant needs to make it right.
