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Funds not handled or disbursed as instructed. I used Chime, the XXXX XXXX XXXX. They told me I could borrow XXXX $ of my XXXX limit of XXXX $ The feature allows you to schedule the deposit of the funds in 24 hours which is the option I chose. I chose to wait 24 hours and I purchased shoes from XXXX hoping they would give me the XXXX $ to go back into my account for the shoes. I waited an entire 24 hours for the XXXX $ to be deposited to replace what I spent and Chime never sent it to me they pretended to distract me with other deposits by my employer but never gave me the {$30.00} XXXX patiently waited for. They could not handle giving me XXXX $ of MY pay as requested and failed to disburse funds as requested.