Consumer complaint received 2023-03-09
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I contacted Chime bank about some unauthorized transactions on my account. A week later they denied my claim and I had to send up a rebuttal. Hello, a dispute was put in a rebuttal status for me, as I have additional information. On XX/XX/XXXXXXXX  I lost my phone, or if it was ever found it was never returned. This was in XXXX, KY at the XXXX XXXX XXXX was my last location with the phone. The phone never had any type of lock on it as far a pin, or passcode. The phone had all of my banking info, pictures of my ID, XXXX, and health insurance card for both me and my son. I never carried a wallet because my card was added on my phone. I asked the park staff if anyone had turned it in, no one had turned it in. I had to activate an old phone I had through cricket. I activated my old phone on XXXX/XXXXXXXX. I just received my new social security card, along with ID, and health insurance cards. I was looking at the transactions and most took place online. The first transaction I noticed was walmart.com for {$250.00} at XXXX XXXX, I was at work at XXXX am on XXXX/XXXXXXXX, I have my time card to prove that. Then there is another transaction for XXXX for {$23.00} on XX/XX/XXXX at XXXX am. On Friday XX/XX/XXXX there was an {$86.00} for XXXX XXXX. I live in XXXX, KY we don't even have an XXXX located in XXXX. There is a {$9.00} charge for XXXX XXXX on XX/XX/XXXX. I never use grubhub, I just go to the actual restaurant since it is XXXX mile away from my home. On XX/XX/XXXX there is a charge for {$9.00} XXXX XXXX XXXX Mon. I have no idea what that even is as I have never heard of it. Then there is a charge for {$12.00} for XXXX XXXX XXXX, I have no idea what that charge is. On XX/XX/XXXX there is a {$58.00} charge for temu.com, I have never ordered anything off of temu.com. On XX/XX/XXXX there is a {$46.00} charge for XXXX XXXX XXXX. I live in XXXX, KY which is no where near XXXX, XXXX On XX/XX/XXXX there is a charge for {$62.00} Golden Corral XXXX XXXX KY. I was with my husband on XX/XX/XXXX we live in XXXX, XXXX XXXX XXXX no where near XXXX XXXX There isn't even a XXXX XXXX in XXXX. The next charge was for {$370.00} XXXX XXXX XXXX, WV. I haven't left XXXX for almost a year now. There is a charge for {$31.00} on XX/XX/XXXX at Dollar general in XXXX, XXXX XX/XX/XXXX {$34.00} at XXXX XXXX in XXXX, XXXX On XX/XX/XXXX There is a charge of {$300.00} for XXXX XXXX XXXX XXXX KY. I was at work in XXXX, KY when this charge appeared on my notification from Chime. There is another charge for XXXX XXXX XXXX, KY of {$5.00} on XX/XX/XXXX. On XX/XX/XXXX There is a charge for XXXX of {$38.00}. A charge of {$8.00} XXXX NY XXXX. The only transactions I have made with my card before I knew my card had all of these unauthorized charges was SP Lilys Bows ( Thats my cousin I order bows from ). I paid my car payment for XXXX XXXX as it automatically comes out. Then I made a payment through the XXXX portal which is for my rent. My landlord started using the apartments.com portal to collect my rent. I have included screenshots that show where I live. I have included pieces of mail with mine and my son 's name and address. Pictures from my online account for my car where it is financed. It has my address as physical and mailing. XXXX XXXX knows that's my address as back in XXXX there was a mix up and they came there to try and repo my car. I have also included a picture of the street my apartment is on. Lastly I included a picture of my phone for cricket. It says XXXX XXXX. My old phone was released in XXXX XX/XX/XXXX. I got it a few months later. Cricket doesn't even carry this phone anymore. I also did try to file a police report on XX/XX/XXXX with my local police department which would be the XXXX XXXX Police Department since I live in XXXX, KY. The police officer I spoke with refused to file the report, and then I asked to speak to his supervisor and the supervisor refused to file the report as they said the phone was lost and if it was resulted in stolen there's nothing they could do. If I suspended my line with my phone carrier I wouldn't of been able to even activate my old phone since XXXX is a prepaid company.

Company response to consumer: Closed with monetary relief