Consumer complaint received 2023-11-14
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
over a 4 month period my Chime prepaid credit card was fraudulenly being charged by XXXX XXXX  and XXXX XXXX  for subscriptions purchased by someone other than me and on a XXXX account other than mine as neither the charges nor the subscriptions showed up on my XXXX XXXX  subscriptions or purchase history and only the transactions showed up in my XXXX  purchase history but the actual subscriptions were absent in the XXXX subscriptions list which points to some highly suspicious, irregular, and i beleive fraudulent unauthorised transactions having such a fraudulent nature that even the worst fraud prevention software would never allowed through especially given the austier and unbending mature of XXXX XXXX  subscription cancelation process that requires me to have access to these subscriptions in order to cancel them without which precluded me to stop the endless drain on my payment method even after i removed and canceled the payment method in my chime account and from XXXX  they still resumed on the new temp card as well s the real card wich was a prepaid credit cared Chime provides all its customers as an added feature to boost credit scores. But once i removed the card from XXXX all evidence of those fraudulent charges were permanently erased from my XXXX account which precluded me from disputing the charges from that cardon XXXX. As I attempted to stop this fraudulent hemmorage of my very scarce resources i once again towards the end of the 4 month seige once again canceled and removed the next version of the payment method being painfully unaware of the of the process of he process that had the subsequent unauthorised charges irretrievably removed from my XXXX XXXX  activity making it imossible to dispute the charges through the merchant represented by XXXX XXXX and XXXX. so i had to dispute them through the Chime account who is equally complicit of allowing such blatantly troubling if not fraudulent activity. For 4 months i disputed an redisputed the XXXX transactions totalling over {$300.00} that had amassed over the 4 month period. they gave the usual speak about it taking up to 90 days to recieve a decision but each time i would send documents they said were recieved but either werent or werent looked at they quickly within a days time would deny with no explanation. i felt like they were gaslighing me by denying me access to the actual person making these unconcionable decisions time after time. i had a previous dispute over a transaction that i had authorised but reported i beleived i was being scamed as i got no confirmation email and they not only gave me a immediate credit but it was resolved in a week and i provided no additional info and the documentation i sent Chime on this current dispute was so substantial and undeniable that it would have at least taken more than a week to go over sufficiently but they're decisions to deny came quicker and quiker while the the amaount of documentation they were acually able to recieve only increased. I dont know what kind of deal or candestined agreement these XXXX entities ( Chime, XXXX, XXXX ) have entered into and i dont care i just need my money back or my chances of survival will be deeply dimminished. What the XXXX is going on?

Company response to consumer: Closed with explanation