I opened a Chime Credit Builder account, which is supposed to be a secured card that only uses the money I deposit. It should never go negative. But because of a system error on Chime’s end, my card went negative even though it wasn’t supposed to. After that, Chime started reporting late payments and delinquencies that were not real. As soon as I saw the issue, I tried to pay the balance immediately, but every time I contacted Chime, they refused to take the payment. They wouldn’t let me pay through the app or over the phone, and instead they told me to “dispute it with the bureaus.” Not long after, Chime charged off the account, closed it, and started reporting multiple derogatory marks — 30-day lates, 90-day lates, a charge-off, and a $117 balance owed — all of which were caused by their own error. Since Chime blocked me from paying electronically, I went out of my way to send an official Citizens Bank cashier’s check for $117 by USPS Certified Mail, which Chime received. After that, Chime emailed me confirming that my account was fully paid, settled with a $0 balance, and that they would update all the credit bureaus within 30 days. Even with that confirmation and proof of payment, Experian, Equifax, and TransUnion are still reporting the account as a charge-off with derogatory marks, late payments, and a balance owed. NOW WHAT DO I DO?

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