Consumer complaint received 2022-06-05
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I noticed suspicious activity on my Chime Bank Checking account on XX/XX/2022 and immediately contact Chime back via the mobile app. I alerted the bank that Id received Suspicious/SCAM messages via XXXX messenger , stating that Id won a bank-contest and that information was needed before the funds would be deposited. Chime Bank confirmed that this was indeed a SCAM and should be ignored. The bank immediately suspended my account and new cards were issued. 
On XX/XX/2022 at XXXX PST, my payroll wages were deposited into my account from XXXX XXXXXXXX XXXX XXXX XXXX the amount of {$1100.00}. 
From that amount, {$110.00} is automatically deposited into my Chime Checking account leaving {$820.00} in Checking and {$110.00} in Savings. I made the following payments from my account : {$45.00} to XXXX, {$35.00} to XXXX, {$260.00} to XXXX XXXX, {$47.00} to XXXX, {$14.00} to XXXX. 
I also transferred {$300.00} to my Chime Credit Builder account. The total amount in each account as of XXXX ; XXXX on XX/XX/2022 was {$300.00} in XXXX XXXX account. {$110.00} in Chime Savings account and {$520.00} in Checking account. 

On XX/XX/2022 at around XXXX, I received an email from Chime bank, stating that the phone number associated with my account had been changed and updated to a phone number that I DID NOT recognize. The phone number listed was ( XXXX ) XXXX a XXXX XXXX subscriber number. My account was suspended and I was not able to access any of my bank account information. 
I attempted to use my Chime Credit card at XXXX AM at XXXX XXXX to rent a vehicle and the transaction was declined. I immediately contacted Chime bank because the funds should have been available. The bank was unable to verify my identity ( because the phone number associated with the account had been changed ) and would not provide me with the information over the phone. My bank account was locked and unable to be accessed for XXXX hours and only when I submitted a copy of both my Drivers license and a photo of me holding the drivers license was my bank account unlocked and I was granted access. 
THIS IS WHEN I DISCOVERED THAT ALL OF MY FUNDS HAD BEEN WITHDRAWN FROM ALL THREE ACCOUNTS. The funds from my payroll, including the Overdraft were withdrawn and sent to Paysend.com I attempted to stop with transaction with the bank agent, but was told that I could not stop the transaction because it was still Pending and only after it cleared would I be able to dispute it. I continued telling the agent that I did not authorize this transaction and that no one had access to my banking information. 
The transaction cleared my account, leaving nothing but an Overdraft balance of - {$0.00} I have continued trying to work with Chime bank to get the funds returned and have submitted XXXX disputes because I did not authorize this transaction. My accounts have been locked, reset, and unlocked XXXX  times in the past 7 days with no success. Chime bank had denied each dispute that I have submitted, claiming that I did authorize the transaction. 
After going back and forth with the bank with no luck, I submitted a police report with the XXXX XXXX Police Department on XX/XX/2022. 
I received word from XXXX that it was not a case of Identity Theft, but rather an Internet Crime and a report should be filed here. 

I stressI DID NOT AUTHORIZE THE TRANSACTION FOR {$670.00} to be made from my account. I have never done business with XXXX  This transaction was not made by me, no one had access to my debit card or credit card. I have not been able to get any information from XXXX other than that it is a Money transfer service. There is no contact phone number in which to speak with an agent to get any information.

Company response to consumer: Closed with explanation