A merchant withdrew $619.98 from my account for services that were never delivered. I promptly filed a dispute and provided clear supporting documentation demonstrating that the services were not rendered. I also submitted complaints to the Better Business Bureau and the Federal Trade Commission in an effort to resolve the matter.
Despite the documentation provided, I was informed that the investigation may not be resolved until May 8, 2026. This extended timeframe is concerning, particularly given the clarity of the evidence submitted. Furthermore, after I filed external complaints, the merchant stated that a refund had been released and advised me to contact my financial institution for further assistance.
Unfortunately, my attempts to obtain clarification from the dispute department have been unsuccessful. Customer service representatives have been unable or unwilling to provide detailed updates, confirm whether my documentation has been reviewed, or escalate the matter to a supervisor. I have repeatedly been told only that the investigation department is reviewing the case, without any meaningful information regarding progress or resolution.
It is deeply frustrating that recovering funds wrongfully taken from my account may take up to 90 days, especially when fees and charges are processed immediately. As a result of this experience, I am seriously reconsidering my relationship with this financial institution.
I thought that Chime was a good deal but I thought wrong.
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