Consumer complaint received 2023-08-09
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
After reviewing my monthly statements i noticed a transaction from Usps PO in thee amount of {$150.00} posted on Friday XXXX thee XXXXXXXX XXXX @ XXXX. I didnt recognize the merchant nor do i remember making any type of payment, purchase or subscribe to any type of services especially for that amount. I used the moblie app to inquire more in regards to the unfamiliar transaction. Upon looking at my statement for the month of XXXX there was not much information on the merchants information such as a Address or Telephone number to contact the merchant. It had vague information such as account description. I then called chime to report the unauthorized transaction. Upon contacting chime i was asked if i lost my card i replied no that i was just reporting the unauthorized transaction abd would like to know if they can give ne a contact number for the merchant. The Agent stated that i would have to look them up since they dont have a number on the merchant. Then shev asked if sometone else in ny household has access to my card and if i had my password or pun numbers written down on a notebook or piece of paper. i replied no i have them memorized because i use my mothers birthday. Then the agent told me i would have to get a different card in the mail and cancel the existing card i had. The proceeds to open a dispute claim that was supposed to take 10 to 30 days to conclude the investigation. 
It took them half a day to inform me that there was no error in the transaction made by the merchant after contacting them and that my claim was therefore denied and closed based on the evidence gathered in thier investigation. i then asked if i can get the phone number of the merchant name of the person they got in contact with. I was told again that i would have to request copies of the documents used to conclude my claim. which take up to 10 days to process the request. Funny how it took them 1/2 a day to conclude my claim but it takes them 10 days for them to send me the documents used to close my claim. On XXXX the XXXX i finally received the documentation request which was screen shots of my transaction history to look for patterns that shows i have used the merchant in the passs. I know i have never used or approved any type of service or purchase with the Usps. They also used mapquest to determine the distance from my address to the merchant address which i thought not relevant to a unauthorized transaction claim. So basically on top of having to proof didnt authorized the transaction i have to show proof that i didnot go to the location listed in thier document. What can i expect when they have the nerve to ask if i had any reciept to submit as evidence for my claim. Why would inhave a receipt or a invoice of something i didnot purchase or have no clue of what i am getting charged for. up to this date chime cant tell me what i purchased or subscription i got charged for. i reopened my claim only to get the same results. No solid evidence that i authorized, signed or approved the transaction. They still couldnt provide a contact number to the merchant because there was none available at the time. so based on the mapquest address i looked them up and got in contact to the usps. The Usps agent told me it would be hard to find my transaction if i did one and suggested i notify chime so they can file a dispute claim otherwise usps would not be able to help me in any kind of way. So back to where i started with chime having very little reliable information on the merchant. So i called chime to inform them what usps told me and was told to open a rebuttal claim. I was told that it would take 30 to 60 days to conclude the claim based on the type of claim i was reopening. ao pretty much was prolong my case till i go over the 60 days i have to resolve the case. i dont know how to go about this now so i am sharing my experiences with chime support team.

Company response to consumer: Closed with explanation