Consumer complaint received 2023-10-29
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am facing a significant issue with my bank. Over the past month, I have lost {$1600.00} due to unauthorized charges on my account. Despite filing numerous disputes, the bank has only provided me with my bank statement of these charges as evidence to why it was denied but has not refunded my money. To compound the issue, they have also closed my account. Upon discovering this breach, I immediately contacted Chime and was informed that it could take until XXXX to resolve the issue, with the possibility of receiving a provisional credit within XXXX business days, if eligible. 

However, I took matters into my own hands and engaged in the following actions within the first hour of discovering the breach : 1. Filed a report online with my local precinct, providing critical information about the unauthorized access and the suspicious activity on my account.

2. Submitted a complaint to the XXXX XXXX XXXX ( XXXX ), outlining the situation. 4. Called 3. Chime repeatedly, approximately 15-20 times, demanding updates and resolution, even though I knew there might not be immediate progress. 

I implore you to take this matter seriously and ensure that it receives the same level of attention and resolution as my previous case. I trust that you will treat this matter with the urgency and diligence it warrants. This was theyre response >>>>>>>> Claim ID : XXXX On XX/XX/2023, the most recent date a copy of the documents XXXX requested were forwarded to the email on file. 

On XX/XX/2023, another rebuttal was filed. On the same day, we notified XXXX via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 

Claim ID : XXXX On XX/XX/2023, the most recent date a copy of the documents XXXX requested were forwarded to the email on file. 

On XX/XX/2023, another rebuttal was filed. On the same day, we notified XXXX via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 

Claim ID : XXXX On XX/XX/2023, the most recent date a copy of the documents XXXX requested were forwarded to the email on file. 

On XX/XX/2023, another rebuttal was filed. On the same day, we notified XXXX via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 

The account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account. 

If XXXX would like to receive the documentation received again, we advise that they contact us via email at XXXX and we will provide it within XXXX business days of the request. 

We thank you for the opportunity to respond to XXXX XXXX ' complaint. If XXXX XXXX continues to have concerns regarding their complaint, please have them contact Chime directly by email at XXXX. <<<< No evidence for why it was actually denied or why my account was closed, its all very general. This is what I responded >>>>>>> I am rejecting this response because : Re : Dispute Response - Claim ID : XXXX Dear Chime, I hope this message finds you well. I am writing in response to your recent communication regarding my dispute, specifically Claim ID : XXXX. I appreciate your continued effort to address my concerns, but I must express my dissatisfaction with your response. 

Firstly, it is disheartening to learn that you have repeatedly denied my previous claims ( Claim ID : XXXX, XXXX, XXXX ) without providing substantive evidence or a clear explanation for your decisions. The statements you have provided so far lack the necessary detail to help me understand why my requests have been denied. I believe transparency in this matter is crucial to resolve any discrepancies. 
( I included those documents to this ) Furthermore, it has come to my attention that on XX/XX/2023, you decided to close my account, citing non-compliance with your internal policies and the account agreement. This action has left me deeply concerned, and I urge you to provide a comprehensive explanation of the specific reasons for this account closure, as well as any evidence supporting your decision. 

In light of the above, I kindly request that you provide detailed evidence and documentation related to the disputed transactions, along with an explanation of the specific grounds for your denial. This information will be instrumental in facilitating a fair resolution of this matter. If this isnt provided, return me my money. 

I remain committed to finding an amicable solution to this dispute and hope that we can resolve this matter promptly. Please send all relevant documentation and evidence to support my request to XXXX at your earliest convenience. 

Thank you for your prompt attention to this matter. I eagerly await your response. 
<<<<<<<<< So CFBP, In light of the ongoing unauthorized charges, the account closure, and the lack of transparent communication from Chime, my financial stability and peace of mind hang in the balance. The delay in resolving this dispute and the uncertainty surrounding my account 's closure have placed me in a precarious position. I am experiencing significant financial distress due to these circumstances and urgently need a resolution to reclaim my lost funds and address the unauthorized activity on my account. I implore the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Chime takes immediate and appropriate action to rectify this situation, providing the necessary evidence and documentation to support my claims. Your swift intervention is crucial in restoring my financial security and trust in the banking system.

Company response to consumer: Closed with explanation