ComplaintsforStride Bank, N.A.
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Initial Complaint
07/03/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Transaction date - 7.5.2024 Transaction date - 7.8.2024 Type of Transactions- Employer Direct Deposit I just signed up for Direct deposit through this bank and they advised that they are going to hold my employer direct deposits transactions for an additional 2-5 days after the pay date on the *** transaction. They have not provided a reason as to why they refuse to release my pay. I am requesting my funds be released from this fraudulent bank. *** already informed my employer in which they advised me to change my direct deposit account in which I did. Im requesting all funds from my employer direct deposit. FYI, my employer is Octane LendingBusiness response
07/08/2024
***************************************** serves as the issuer of the DasherDirect Business ************ Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect customers who utilize the DasherDirect Business ************ Card very seriously. Because of this, we have reached out to Payfare, the program manager of the DasherDirect Business ************ Card, to help review the circumstances surrounding this matter. Payfares investigation shows the following:
Payfare reviewed your account and found that you contacted their customer support on July 3, 2024 regarding this issue, and you were correctly informed that direct deposits will typically take 2-5 business days to be received in your DasherDirect account. Payfare can confirm that the direct deposit of $1,571.99 was successfully deposited to your DasherDirect account as of July 4, 2024 and you were promptly notified (ticket #*******). In addition, you can review your transaction history or download your monthly statement through the DasherDirect app.
Stride Bank, N.A. prides itself in providing excellent customer service while attempting to help serve the needs of our customers. As such, the Bank takes complaints and allegations, such as those that you have submitted, very seriously.Initial Complaint
07/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I signed up for the secured credit card. I also requested that they pay my monthly bill. By doing this they take the money I transfer into my credit builder and hold it in a secure pot so they say and pay on the payment date and are supposed to report to the credit bureaus. This all happened in March. They have not reported my credit at all since December when I owed 51 dollars which was paid. There is nothing for the months I did use it and they still arent reporting. I rented a car from enterprise and I moved the $ ****** from my checking to my credit to use my credit to pay for it. This included an amount of $300 as a deposit. My March statement shows that they used this as a payment to my credit account even though I had already paid that 300 once and it was sitting in that secure pot. My March statement clearly shows my balance being 1350. It then shows payment from enterprise, which should have been refunded so I could use it, dropping my March balance to 1050. I immediately called customer service and was told I could not dispute this. They did refund it and I said no I had already paid and they stole my 300 refund. The lady hung up on me eventually. I immediately took my payments off of them managing payments. I thought that might release my funds. Then they state I have 185 payment due the next month which was ****** I went through and calculated every single transfer that I had made to my secured credit and it was a total of *******. They state on my checking account that I transferred 1200 something but on my credit statement they say I transferred 1100. They said I owed 1181. One statement clearly showed the 1549 being deposited but they refuse to return that money in the secure deposit account . They said the 300 refund was not disputable. I contacted the **** as well. No response from Chime still.Business response
07/05/2024
Hello,
Stride Bank established your Chime Checking Account and serves as the issuer of the ********** Debit Card and, as such, is concerned with your complaint. We have conducted an investigation into the matter and reached out to ***** to understand the full scope of this matter.
Chime found that you enrolled in Move My Pay on December 18,2020 and it was disabled on November 13, 2023. Chimes records indicate the transactions and transfers shown are correct.
March transfers from Checking account to Secured account were a total of $1,201.36 (March 1 to 31, 2024) March transactions from March 9 to 27, 2024 equal $1,350.69. Chime verified that you received a $300.00 refund from Enterprise Rent A Car on March 26, 2024 to your Credit Builder account, not your Secured account. Thus the amount due for March shows as $1,050.69 which is correct.
You stated that transfers completed from the Checking account to your Secured account in March were $1,566.09, which is correct, but you did not include the transfers from your Secured account to your Checking account in March which equal -$364.73. All March 2024 transfers equal $1,201.36.
On April 2, the full March amount due ($1,050.60) was paid.The payment brought the new Secured account balance to $150.67. On April 4, you made a transfer to your Checking account to your Secured account for ********** transfer posted to the Secured account which made your new available balance to $185.82.
Chime additionally reviewed the credit reporting associated with your account and found that there was a delay in updating credit reporting data. Chime apologizes for the inconvenience Chime states that the credit bureaus have confirmed the processing of the credit data and the updated reports should be available for viewing.Please feel free to contact ************ Services at ************ if there are any further questions or concerns.
Initial Complaint
06/25/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Im a chiime bank account holder for almost 6 years now. Early Saturday morning I sent someone $805 towards a amount that and they sent it back to me and said because they wanted all the money in lump sum.I never received the $805 back and the individual I sent it to keeps saying they in fact sent it back to me and dont understand why I havent gotten it yet. Called a chime representative Saturday afternoon and he acted like he had no clue what I was talking about and laughed about it.This was my whole 2 weeks paycheck and Id like to have my money backBusiness response
06/28/2024
***************************************** established your Chime Checking Account and serves as the issuer of the ********** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously.We have conducted an investigation into the matter and reached out to ***** to better understand the full scope of this matter. Chimes investigations show the following:
Chime reviewed their records and found that on June 21, 2024, you made 2 Pay Anyone transfers in the amounts of $600.00 and $205.00 to **************** The Pay Anyone transfers were executed and delivered correctly to the recipient on the same day.
*****'s records show as of June 27,2024, the Pay Anyone recipient (****************) has not sent any funds to you.
Chime indicated that they are unable to cancel or refund a transfer you initiated once it has been processed to the designated recipient.
Chime and Stride Bank place great importance on providing an excellent customer experience. Please contact ************ Services at ************ if you have any further questions or concerns.Initial Complaint
06/24/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
Had a bank wire send to account and routing number from fidelity investment they said they sent it back it was never sent back fidelity investmentBusiness response
07/02/2024
***************************************** established your Chime Checking Account and serves as the issuer of the ********** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously.We have conducted an investigation into the matter and reached out to ***** to better understand the full scope of this matter. Chimes investigations show the following:
Chime does not currently offer wire transfer services at this time. As a result, if a wire transfer was sent to your Chime account, it would have been automatically returned.
***** recommends that you contact the originating financial institution in order to locate the funds.
Chime and Stride Bank place great importance on providing an excellent customer experience. Please contact ************ Services at ************ if you have any further questions or concerns.Initial Complaint
06/24/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
04/2024 ************ called Kasamba took $99 plus $15 from my account and I reported to Chime and they did nothing about it. They just let it go.Business response
06/28/2024
Hello,
After further investigation, it was determined that the account in question is not maintained by Stride Bank, N.A. The complaint has been forwarded to Chime as it appears that the account may be maintained by another of *********** partners.It is our understanding that Chime and/or their other partner bank will be reaching out to you on this matter.Initial Complaint
06/19/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
Chime has a My Pay feature that uses your direct deposit, location, link to your email and pay processor to determine how much money you can withdraw before your paycheck. Each day that you work your My Pay will increase. When I looked at My Pay amount on 6/18 I had an amount of 420 dollars that I could withdraw. That was based on my direct deposit amount, my location (so tracking me driving to work) and my email at work. On 6/19 I checked and that amount was gone and I had a total of 66 dollars I could withdraw. I called the customer service number and was told they could not see the reason why but kept saying it is based on account activity. The rep I was speaking with said they saw no difference in my account activity and they would also be upset if they lost money from their My Pay. Could not explain what happened or why but kept saying its based on the features that u mentioned above. Nothing has changed. Nothing. They cant call themselves a bank and take peoples money for no reason. I mean I am pretty sure the reason is I wasnt withdrawing the money. Each time you withdraw they can charge 1.99. Since I wasnt taking the money out they werent making any money so they lowered my amount.Business response
07/02/2024
***************************************** established your Chime Checking Account and serves as the issuer of the ********** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously.We have conducted an investigation into the matter and reached out to ***** to better understand the full scope of this matter. Chimes investigations show the following:
Upon receipt of your complaint, we referred the matter to Chime for further review. This review is on-going and you will be notified via email upon the conclusion of the review.
Chime and Stride Bank place great importance on providing an excellent customer experience. Please contact ************ Services at ************ if you have any further questions or concerns.Initial Complaint
06/18/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
In November 2023, I used the Chime.com web site, owned by Stride Bank, N.A., to issue a series of checks to my wife's employer, ******** Country (**) ********** of ********** On 12/13/2023, nine of the checks were returned to the county as "Altered/Fictitious" by **** of America, who issued the checks on behalf of ********** **** of America will not talk to me as I am not a customer; they refer me to Chime. Chime/********************** **** continues to maintain that the money was taken from my account and the checks were paid. The checks were returned after the "processed date" shown in the account records from *****. My county government's bank, **** of Tennessee, has been unable to get any cooperation from **** of America to resolve the issue. Chime won't talk to **** of Tennessee because again, they aren't an account holder. In my opinion, the actual third-party check processor has ended up with the missing $273.05 and has not bothered to return it to Chime nor notify them that these checks were returned. Chime refused to identify what check processor they use. I've made multiple inquiries and I have yet to speak with someone who resides within the *** and who understands the banking system here in *****************. This event put my wife's benefit payments in jeopardy and I had to repay the amount with cash since it was "my" check that was dishonored. I'd like Chime to either return the funds to my Chime account or have the checks re-issued correctly to the county.Business response
06/28/2024
***************************************** established your Chime Checking Account and serves as the issuer of the ********** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously.We have conducted an investigation into the matter and reached out to ***** to better understand the full scope of this matter. Chimes investigations show the following:
Chime reviewed their records and found that on November 24, 2023, you used Chimes Bill *** Option and requested to send 9 checks to *************** ***** of ********* totaling $273.05. The checks were sent on November 27, 2023.
Chimes records show that all 9 checks totaling $273.05 were cleared on December 14, 2023.
Chime and Stride Bank place great importance on providing an excellent customer experience. Please contact ************ Services at ************ if you have any further questions or concerns.Customer response
07/02/2024
Complaint: ********
I am rejecting this response because:I am aware of the issued date and "cleared" dates. The rejection from **** of America came after the cleared date.
These checks were returned to **** of Tennessee 12/13/2023.
These checks were issued on a **** Of America account, not a ********************** bank account, not a chime bank account.
Since neither Stride nor ***** admits to being notified, that indicates a third party payer is involved.
You have a 3rd party processor involved who has essentially stolen money from you and in the end, from me.
**** of Tennessee states that the original checks would have been mailed to account holder for that **** of America account.
Who actually processes the Pay by ************ for Chime? They owe you (and me) that money.
These checks look like a 5th grader tried to edit them. I've never seen anything like it.
Who owns the **** of America Account? How do I contact them?
Sincerely,
*************************Business response
07/03/2024
Hello,
For any further questions or concerns about this matter, please contact Chime directly via phone at ************ or via email at *****************.
Thank you,
Stride Bank
Initial Complaint
06/14/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have a dispute for $44.92 that was denied because the dispute department there filed it wrong then the 2nd and 3rd agent said they corrected it which they didn't. If I don't get my money back immediately I'm going scorched earth rapidfire fraud reports to you and chime until I get it back. I was also told months ago that the credit builder card had buyer protection so going forward for risker transactions I specifically used the credit builder card. Well I had an issue then disputed it and was told the complete opposite and then the claim got denied meanwhile my electric bill is due and at least with the credit I would have been able to cover it but nope not now. Just liars at ***** and mislead and file improperly. I'm contacting the consumer protections agencies BBB and whatever else I possibly can for both Chime and *********** FDIC until this is resolved.Business response
06/24/2024
Hello,
We are in receipt of this complaint submitted to the Better Business Bureau and we appreciate the opportunity to respond. We have responded directly to the consumer regarding this issue.
Thank you,
Stride Bank
Initial Complaint
06/11/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Needed to update personal information on my Chime account called customer service gave them the information uploaded documents. Documents cant be verified. They want to transfer me to different department, different disputes and customer agents that doesnt have this access or knowledge no clear answers the runaround still dont have access to my account suspicious vocabulary my account they have access, I dont have accessBusiness response
06/20/2024
***************************************** established your Chime Checking Account and serves as the issuer of the ********** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously.We have conducted an investigation into the matter and reached out to ***** to better understand the full scope of this matter. Chimes investigations show the following:
Chime reviewed their records and found that on May 26, 2024, you contacted them to request to update the email address and phone number listed on the account. However, you stated that you don't have a physical ID, only a photo of your ID on your phone.
On June 10, you were assisted by a Chime agent, however the authentication failed because you submitted a screenshot of your physical ID. Your issue was referred to an internal team for manual review of the documents provided.
On June 11, the review team emailed you informing you that they were not able to process your request after document review. The same day, you tried the scan ID process, however it still failed.
***** stated that you will need to contact ************ Services at ************ and provide a picture of your physical ID to successfully pass the Scan ID process and have your personal information updated.
Chime and Stride Bank place great importance on providing an excellent customer experience. Please contact ************ Services at ************ if you have any further questions or concerns.Initial Complaint
05/23/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I've had an account with chime/********************** Bank, N.A- ON MAY 9TH I requested for a new Debit card and I was told I would receive it within 5/10 business days however I still didn't receive the card in a timely fashion so I was told to REORDER A new one and WAIT ANOTHER 5/10 Business days witch will put me at a month of NOT HAVING A stable DEBIT system chime doesn't offer tap and go on there temporary cards, So I would have to transfer money from one banking system to the next. Which requires More money and fees I'm not able to use tap and go when I need gas And?Other accessories. As well as no cash back. With chime, not keeping their end of the bargain, it is making it much harder Because chime does not offer that! but they offer you to link a CashApp card or any other banking substance To transfer funds, however, that is very costly for someone who's already on a budget and also going a struggle. And a lower banking system! Also I would like to add that you guys offer(ed) $100.00 to refer a friend and I did not receive money nor payment to my account for 2 people under the refer a friend program(***********************)/( *************************) When I first opened an account with you guys, YALL WERE GOOD TO ME. NOW YALL COMPLETELY DROPPING THE ***** I also. Spoke with the supervisor by the name of *********** number ********Business response
05/31/2024
***************************************** established your Chime Checking Account and serves as the issuer of the ********** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously.We have conducted an investigation into the matter and reached out to ***** to better understand the full scope of this matter. Chimes investigations show the following:
Chime reviewed your account and found that on May 9, 2024 you contacted them via email and requested a replacement debit card be sent to you. Chime's records indicate that replacement debit cards were sent on May 9 as well as May 24 to the address on file. Please note that the new Chime card will arrive within 7-10 business days.
In regards to the referral bonuses,Chime were only able to locate a referral for ***********************; however, the referee did not receive a qualifying direct deposit of $200 or more within 45 days of creating the account, thus making you ineligible for a bonus.
Chime and Stride Bank place great importance on providing an excellent customer experience. Please contact ************ Services at ************ if you have any further questions or concerns.
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Customer Complaints Summary
332 total complaints in the last 3 years.
117 complaints closed in the last 12 months.