Consumer complaint received 2023-01-27
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:
XX/XX/2023, XXXXXX/XX/XXXXfunds were transferred out of my savings account into my checking account by an unauthorized user. 
XX/XX/XXXX{$1900.00} was transferred out of my account to XXXX unauthorized XXXXXX/XX/XXXX I got notification on my phone, logged into my chime app and was able to cancel the transaction, and move the money back to my savings. 
XXXXXX/XX/XXXX{$1900.00} transferred back out of my account to XXXX XXXXXX/XX/XXXXI was able to cancel the transaction and put the money back into my account. 
XXXXXX/XX/XXXX. I transferred my money back to savings XXXXXX/XX/XXXX I called Chime to notify them of this fraudulent activity XXXXXX/XX/XXXX., while on hold waiting for an agent, a different person was able to get into my account, transfer {$1900.00} out of my savings XXXXXX/XX/XXXX I was able to transfer the {$1900.00} back to my savings XXXXXX/XX/XXXX while on phone with Chime agent, {$2000.00} was transferred out of my savings XXXXXX/XX/XXXX. {$1900.00} was transferred out of my account and payed to $ XXXX XXXX XXXX, payment immediately went final, could not reverse the transaction Notified the agent of this unauthorized transaction, XXXX filed a claim for this transaction. I also had to have the agent reset my email address, phone number, and password for my account because i could not access with my saved details so these items were changed by someone, other than myself, to gain access to my account. This was all documented by the agent that i was on the phone with. I had to email them a photo of my drivers license, front and back, as well as a selfie holding a piece of paper with the date and my name for authorization. 
XXXXXX/XX/XXXX {$780.00} was transferred out of my savings account by another person, unauthorized. 
XXXXXX/XX/XXXX.00} was transferred from my account and paid toXX/XX/XXXX. Called Chime back to let them know that i did not authorize this transaction. XXXX said that transaction was still pending, They filed a claim for it and said that if the merchant didn't claim the money within XXXX business days it would be returned to my account. XX/XX/2023 I got an email from Chime saying that the claim for the first transaction was denied because they couldn't find anything wrong with the transaction, I immediately called them and the agent filed a rebuttal for me. The agent said that the process could take until XX/XX/XXXX. XXXX also said that I was eligible for a temporary " credit '' of the {$1900.00} that should be in my account no later than XX/XX/XXXX. Still no deposit from Chime. This deposit should not be temporary considering all the evidence that I did not make or authorize this transaction and the measures I took prior to the final transaction taking place. 
XX/XX/2023 The merchant claimed the transaction for the amount of {$940.00}, I called Chime to let them know. The agent on the phone filed the claim for me. 
XX/XX/2023 XXXX a denial email from Chime for the {$940.00} claim, stated found no problem with transaction. Called Chime, agent filed rebuttal, said that I qualified for a temporary " credit '' to be deposited into my account no later than XX/XX/2023. My money was not temporary and these claims were not authorized by myself or my wife. There is plenty of evidence that i provided them and the claims department can look at my account and see all the activity to see that these transactions were fraudulent. I am on XXXX and my account was drained of all the money I had. I needed my money to pay my bills and the bill XXXX don't care about the problems that i am having. 

Please interact with Chime to get my money back in my account.

Company response to consumer: Closed with explanation