Consumer complaint received 2023-09-03
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First, please forgive me for the delay in filing this complaint. I put a lot of time into trying to resolve this myself. When I couldnt it took me months to figure out and understand how to file a complaint. I have XXXX XXXX due to XXXX XXXX as well as many other affected abilities all of which slows me down. 
On XX/XX/ a debit for {$120.00} was cleared through my checking account with Chime Bank. I immediately notified them and they began an investigation. About a week or so later the charge again tried to go through my account but did not clear because had locked my card. Nearly every day I messaged Chime customer service regarding on going attempts from this merchant. I asked how I stop these charges which were not mine from coming through. At this point I have contacted the merchant who told me they showed no active account for me and were unsure of how charges were being made. I had canceled my debit card and ordered a new one as well. Chime told me they could completely block the merchant which I requested be done immediately. On XX/XX/XXXX another {$120.00} was debited by Chime for another charge from the same merchant. I again contacted them and they opened another dispute. I continued to receive notifications at least once a day about another charge from the same merchant being declined because I had locked my card and removed all funds from the account at this point. After several weeks of me begging them to help me stop these charges that continued to charge my account and being told several times that they blocked the merchant entirely, I received an email from Chime stating that the charges were not done in error but were mine. 
They stated if I had further information or proof to appeal. I then had another conversation with the merchant and provided screenshots the chat I had with the merchant in which their representative stated that the charges in question did not come from my account. The representative also emailed me this statement. I forwarded both to Chime who immediately denied my appeal and maintained that the charges were mine. I requested copies of whatever was used to make this determination and was told I would have then in 10 days. It took 3 or 4 requests and over a month for me to be given a document that is 80 % blacked out and shows absolutely no inclination of it being my charge. It has my name nowhere on it nor my address. The only thing I did recognize was my XXXX XXXX XXXX mothers first name. I know very well that she did not make these charges. The proof they provided me only shows that the charges were not mine. After all this, I received an email from Chime asking me if I wanted to unblock the merchant. In the middle of all this I also received emails for other account applicants regarding their application. 
For me to provide actual proof from the merchant that the charges are not mine and then Chime to insist they are and provide proof that does not contain any of my information is absolutely insane and I have no idea what to do about it. My account has stood in the negative since the debited my account over {$250.00}. If I had not removed my money I Chime would have continued to pay thus merchant despite my continued requests not too.

Company response to consumer: Closed with explanation