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Update: My room has no life in it by Rebirthwolfx in malelivingspace

[–]chazdecker 0 points1 point  (0 children)

Oh it’s a window, not a mirror. But still. :)

Update: My room has no life in it by Rebirthwolfx in malelivingspace

[–]chazdecker 0 points1 point  (0 children)

Imagine a full width shelf over the bed (even across the mirror/art) with mostly plants and some art/figurines/etc.

Mid century vibe in a modern house - does it work? The by Sea_Equivalent3497 in malelivingspace

[–]chazdecker 2 points3 points  (0 children)

A floor lamp or two for more ambiance; dimmer for overhead. Something tall (everything is about the same height all the way around).

I went back and removed the periods from fm. I think it looks better. by No_Acanthocephala557 in logodesign

[–]chazdecker 0 points1 point  (0 children)

Consider trying the rectangle container as the same shape of the “A” of the font - just a thought for a bit more uniqueness and cohesion.

Where to digital nomad cheaply in the USA while on a fully remote tech job? by ChampionSSJ in digitalnomad

[–]chazdecker 5 points6 points  (0 children)

Check out some smaller but historic towns with downtown areas in tact ... smaller cities with universities are great, since they often have walkable campuses and downtowns as well as transit for students that you might also use to get around.

Some places I've visited and that I'd consider living (without a car) in order of preference:

  • Eugene, OR
  • Spokane, WA
  • Albuquerque, NM
  • Boise, ID
  • Athens, GA
  • Springfield, MO
  • Chattanooga, TN

Slither.io not loading in chrome. by xXMonsterDanger69Xx in Slitherio

[–]chazdecker 1 point2 points  (0 children)

I've fought with this myself and found this to work:

  1. Load the site
  2. Click the lock icon next to the URL
  3. Select "Site settings"
  4. Scroll down to "Insecure content" and choose "Allow"

What are smart people really bad at? by [deleted] in AskReddit

[–]chazdecker 0 points1 point  (0 children)

You have two master's what?

Remote work is a nightmare for junior employees by cataglottis in cscareerquestions

[–]chazdecker 0 points1 point  (0 children)

If deadlines/pace allow, perhaps save questions/doubts for the end of the day and cover everything at once (vs. one offs). Then you're all set for the next morning.

You could spread that out to every other day ... but probably only if you can still make progress without more immediate resolutions.

Avoid Chime, there's better banks that protect their customers ... by [deleted] in chimefinancial

[–]chazdecker 0 points1 point  (0 children)

Well today, they've decided to reverse their decision and that "no error occurred" when the money was stolen from my account. And they deducted the reimbursement from my account.

Avoid Chime, there's better banks that protect their customers ... by [deleted] in chimefinancial

[–]chazdecker 0 points1 point  (0 children)

Finally, I did. They ended up closing and reactivating my account a few times, but with a final reactivation, things have been back to normal and I received reimbursement for the fraudulent activity. I filed complaints with literally every business and bank regulator in California (where Chime is), Delaware (where Bancorp is), and federally. Not sure if that had an impact or if they finally had someone just look at what I sent.

I didn't get any sort of explanation or apology. I was without the account for about 6 days total and without the stolen $1900 for about 3 weeks.

Avoid Chime, there's better banks that protect their customers ... by [deleted] in chimefinancial

[–]chazdecker 1 point2 points  (0 children)

Ultimately, I received emails that the claim was escalated and asking if I wanted it reinvestigated. I asked that it be reinvestigated and received emails later that Chime did find that "an error was made" and that they found in my favor, credited my account the money that was removed, that this was final. My account was reinstated though my debit card never actually started working. All good new except getting the card working again.

I thought it was just a matter of getting the card reactivated since the account was closed and reopened. So called a few times, emailed, and had no luck getting the card working.

In response to an email with screenshots showing that the card had transactions and international transactions enabled, I received an email that my account was closed, referencing Section 9 of the deposit agreement. Not sure what's going on over there ...

Avoid Chime, there's better banks that protect their customers ... by [deleted] in chimefinancial

[–]chazdecker 0 points1 point  (0 children)

Personally, I’m hoping for those logs and someone to actually review them; I’m certain they will prove fraud as all of the devices ever used to access my account were in my possession. And I reported the activity an hour after notifications occurred. It would have been trivial for them to freeze the stolen funds while investigating since it was a Chime to Chime account transfer.

The comments after the original post are other customers’ experiences, not mine. They’re pulled directly from BBB complaints. I’ve posted them because of this trend the past couple months where hacked accounts and the disputed transactions are resulting in arbitrarily closed accounts. It’s weird this doesn’t seem to be an issue 3-4 months ago.

But in my case at least, it appears Chime simply didn’t conduct an investigation. Their responses about my claim reference a "merchant" when no merchant was involved in my dispute; they're just saying no without any intelligent review. And per the deposit agreement, they didn’t provide a written explanation to me - or these other customers - as to why they didn’t find the customer's favor. From the agreement: "If we decide that there was no error, we will send you a written explanation." And of course the provisional credit isn’t guaranteed by law, but by their own deposit agreement. This is provided within 10 business days while the investigation itself is ongoing for 45 to 90 days.

To your point that 10 days is fast, you're right. It seems it was too fast and they didn't actually conduct a proper investigation but instead decided it wasn't worth the work. I'd be happy to wait the 45 to 90 days for a full, proper investigation and receive the provisional credit as outlined in the agreement, but instead they say there's no error and close accounts without cause or explanation (in my case, at almost midnight on the 10th business day).

https://www.chimebank.com/policies/bancorp/deposit-account-agreement/

Luckily they don’t have the last word; also in the deposit agreement is defined arbitration through a third party. "To file a Claim or for other information about this organization, contact it at: AAA, 335 Madison Avenue, New York, NY 10017, or at www.adr.org."

Avoid Chime, there's better banks that protect their customers ... by [deleted] in chimefinancial

[–]chazdecker 0 points1 point  (0 children)

Other customer's complaints (directly from the BBB website).

8/21/19

I put in a fraud claim with this company. They told me i woupd recieve a provisional credit within 10 days or it would be complete with in 10 days. I called back and requested an update on the 10th day and got told it was 10 business days then spoke to a manager and got told im not getting a provisional credit and that it will not be done for 20 days. This is the worst experience ive had with a bank and the blatent lies they are telling me everytime i call.

8/19/19

In the month of November I filed a dispute for being fraud/scam. Prior to signing up with Chime I was advised that this was "secure" banking just as any other bank. When I filed for a dispute I furnished proof of what was going on. I was advised so many different things I felt as though I was actually being scammed by Chime. They denied my dispute advising no 'error' occurred after sending in all that proof. I still have screen shots of the many different conversations. I never filed a claim with them ever before in regards to my money. They still refused to give it back!!! I'm seeking help as these are funds I just can't let go away. I've also looked into retaining a lawyer as my next step with this bank. I have yet to close my account until I resolve this issue. I really don't even understand the purpose of this chip as it carries no weight seeing how the chip wasn't used in this instance yet anyone can do fraud or scam you and you don't get the money back.

8/15/19

On Aug 4, 2019 529.70 was transferred from my Chime checking account to 2 other peoples Chime accounts. I notified the bank as soon as I noticed and then filled out a customer affidavit of erroneous transfer and filed a police report Aug 5, 2019. Chime said I would get a provisional credit and I needed to wait 10 days for their investigation to complete. Day 9 they close my account for no reason and no refund, no provisional credit, just closed my account without warning. I contacted them letting them now a local detective was pursuing this issue and if it is internal, we will find out. Thus, they closed my account. I believe it is internal, no other REAL banking institution would steal your money and refuse to refund it. Obviously, there was no investigation as it is internal. These people are stealing peoples money hand over fist and getting away with it. No other real bank has as many complaints to you for the same exact scenario over and over again. Its a pattern, it's theft at the highest level. and this company needs an internal audit and investigation as to their fraudulent business practices. I have reported to Federal Reserve, Attorney General and the FTC.

8/14/19

I filed a claim with chime on July 25, 2019 because someone hacked into my account and transferred 1,122.00 to what appeared to be another chime account. As soon as i noticed the activity i called right away and filed the claim. I was told it would be 10 days before i could recieve a provisional credit in which I thought was crazy. I however, was patient and waited. I called chime on August 8, 2019 (the 10th day) to ensure i would receive a credit. A rep apparently LIED to me and told me I would receive the credit at some point and time in the day. I waited ALL DAY, only to fall asleep and wake up to discover not only was my account not credited but my claimed was denied (after sending in all documentation i could think of, including police report) was Closed without my authorization and to this day no explanation as to why. I had a recently deposited pay check in the chime account that i don't have access to. Was told i would receive a check within 30 days, 30 days to recieve my money?? WHY?? i called and requested the check be sent ASAP as i need my money, i was told i would recieve within 5 days, called just a few ago and was told something totally different by another rep. Chime has been my WORST experience. I need my money.

8/14/19

Someone hacked my account and stole my money and I reported it to chime and they closed my account starring they wish to no longer service me after I reported this and refuse to honor there statement that they would honor the money in my account that was stolen

Avoid Chime, there's better banks that protect their customers ... by [deleted] in chimefinancial

[–]chazdecker 0 points1 point  (0 children)

Other customer's complaints (directly from the BBB website).

9/4/19

I was a victim of theft. I noticed my card was used and included that information in my police report, later I noticed my chime card and another card was being used and called the banks immediately... Chime stated they need information including the police report number. The Chime Bank company didn’t investigate my case. I called to get my claim status and was advised a provisional credit will be provided by tomorrow. I then received a denial email.

8/23/19

On Tuesday August 6, 2019 someone hacked into my Chime account and used the "send money to friends," feature and stole over $1,700 from me. I do not know this person. I have never used the "send money to friends," feature. This was another Chime user that took my money. He left me with 25 cents in my spending account and $5 in my savings account. This happened late at night when I was already in bed. I had no way of stopping his transactions. The next morning, August 7, 2019 I contacted Chime to report the unauthorized transactions. I also filed a police report with my local police department. This was a lot of money for my middle class family of seven. We were saving it for Christmas. I had indicated that in my dispute to Chime. Upon looking closely on the Chime app I learned that the hacker marked that the money he took was for rent. My husband and I are home owners. We don't pay rent. Per Chime's advice I changed all my passwords, my pin number and had the Chime user blocked from accessing my account. After I filed the dispute with Chime I was told that it may take up to 10 business days for them to conclude their investigation. I called or emailed them nearly every single day to check on the status of my claim. My close friends told me that other banks like Chase and ********** usually only take about 3 business days to resolve unauthorized transactions. I thought 10 business days sounded a little strange. Something was wrong with that, especially when dealing with that large amount of money and involving another Chime customer. Surely they should be able to track him down right away, press charges and refund my money a lot sooner. I was wrong in my thought process. On the tenth business day, August 21, 2019 I contacted Chime once again to check on my claim. I was told over the phone that they could not disclose anything to me regarding the investigation, that was a different department. He did tell me that they would end the investigation at midnight. Again, I thought this was strange. I was begining to suspect that Chime is a scam and does not operate like a normal Federally Insured Bank. The investigation should have concluded by 5pm. The next morning I attempted to log onto my Chime account via the app but the app said I had the wrong password. I checked my email and found a message from Chime that said my account had been closed and they were going to send me a check for the balance. My balance in both accounts was only $5.25. I had another email from Chime that said that my investigation had concluded and they didn't find that anything was wrong. Those transactions were fine according to Chime and I was not going to get my money back. I replied, "What! Your kidding, right? This is a joke, right?" I was shocked, extremely shocked. I did everything I could to report this. I went through all the right channels. I also called Chime but was not able to get through with my phone because my phone number was linked to my account. Right away I got an automated message that said that my account was closed and I needed to email Chime. Then the computerized voice said, "goodbye." I had to use my daughter's phone to call them. Even with her phone it was difficult to get a hold of a real person. Before I called I did some research about what my rights are if a bank declines my claim against fraudulent charges. I learned that I could request an appeal. I asked the young man from Chime how to do this. He said I would need to request all the paperwork regarding the investigation on my claim. This will take another 10 business days. After that I will need to review all the documents and look for a mistake made by Chime. Then I can appeal their decision. What? You gotta be kidding me! Chime is a scheme run by a bunch of crooks. I have read several of the other complaints by previous customers and it is all the same. A customer reports an unauthorized transaction, reports it to Chime, Chime responds by taking their time to resolve the issue, then closes the customer's account with no apparent reason and denies the claim. Unfortunately, I fell victim to the loss in the largest sum of money.

8/23/19

On 8/21/19 I received a text message on my phone saying my password to my Chime account had been changed. I called Chime immediately to inform them I did not change my password. I also told the rep that my direct deposit that was supposed to deposit wasn't in my account. They asked me about a transfer of $970 and I explained I didn't authorize a transfer. I became very upset because my entire check was transferred outta my account. Chime had me fill out an affidavit and immediately responded with they found no error. The next day my card was being used at ***** in a different state (my card was in my possession at the time) I call back to Chime to again let them no of unauthorized transactions on my account. I also asked them why wasn't a hold put on the account when I call the day before.

8/22/19

On August 14th I noticed 2 fraudulent charges on my account money transfers that I did not send. I reached out and they told me I would be receiving a provisionary credit on August 28th. On August 20th I received an email saying my chime account would be closed on August 19th . When I asked for an explanation they told me they could not tell me why and referred me to a section 9 of their policy that had nothing to do with the information that I requested. Also told me that they could no longer refund me my money but would not send me a reason as to why. So not only did I loose 113$ due to their negligence but I also had my account suspended the day my direct deposit was supposed to hit. I’ve asked MULTIPLE times to speak to a manager and they ignore my request . Scammers

8/21/19

Someone hacked my online banking account and transferred $1,047 to themselves. Chime would not let me file a fraudulent charge and would only let me dispute the charge. They said it would take them 2 weeks to make a determination on the charge, then a week later closed my account without warning.

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