Consumer complaint received 2022-06-02
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My bank is holding me a liable for fraudulent activity I told them everything that happen and provided screenshots of receipt and merchant email and police report Chime XXXX denied my dispute even when I said i didnt make the purchase it was unauthorized of {$300.00} chime say there no error in unauthorized transaction I lost my card and it got stolen to where someone spent my hard working money just for them spend it on things They like how is that fair I know if it was your money you would he XXXX off as much me if you go work for so many hours just to have your money stolen plz grant my request and give my money back I needed that money from work to get back and forth and now I have zero transportation because I got my money stolen and They denied my request saying no error has occurred my daughter thats XXXX XXXX XXXX told me she may those purchases without permission she me she saw a AD where if you did download this XXXX game to win money and when she saw that you had to pay first she went on a spending spree that ended costing me {$300.00} which that was my work transportation sense I take XXXX  back and forth I work two jobs trying to provide for my family I hope you could understand I was only making enough to travel to work and trying to feed my family no matter what I said to chime they denied my request to return my money 13 times I need assistance to get it back from chime they need to be held responsible and accountable for their actions this all they keep saying over their dispute investigation team not taking me serious I need assistance Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : XXXX  XXXX Date Error Reported : XXXX Claim Amount : {$300.00} Hi XXXX XXXX XXXX We received your request to reopen your claim listed above. We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed. 


Chime dispute department even when I tell them what happen they still dont care they refuse to give me my money back even thoe I told what has happened your dispute department let people who take other people money and get away with it like all I wanted was my money back but come refuse is there a higher up I can talk that can override your dispute department decision because this not going anywhere I want my {$300.00} back I wont stop to get it no matter what I do the dispute department won't accept I'm not a fault what happen I didn't give my daughter permission and chime having some kind of grudge against me for some reason i know for a fact if y'all was in my shoes and lost money y'all would have contact your bank for a dispute when I tried to contact my bank they rejected my dispute of {$300.00} three times in a row so chime this is okay I told them what happen that i didn't do it and that my daughter did without my consent I can see chime doesn't have my back at all I would like to speak to a higher up that's above the dispute department my daughter thats XXXX XXXX XXXX told me she may those purchases without permission she me she saw a AD where if you download this bingo game you can try to win money and when she saw that you had to pay first she went on a spending spree with my XXXX XXXX that ended costing me {$300.00} which that was my work transportation sense I take XXXX back and forth I work two jobs trying to provide for my family I hope you could understand I was only making enough to travel to work and trying to feed my family like I said this purchase was unauthorized

Company response to consumer: Closed with explanation