Consumer complaint received 2022-10-07
Company: Chime Financial Inc
State: NY
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 there was a transaction not authorized in the amount of {$200.00} that was declined due to insufficient funds from a XXXX XXXX  account then not long after another transaction not authorized in the amount of {$200.00} that did go through and take the money out of my account from another XXXX XXXX  account in a different name and made out of California then the next day on XX/XX/XXXX there was another not authorized transaction from a XXXX in XXXX Washington that was stopped due to fraudulent activity then not long after that one another XXXX transaction from XXXX Washington went through and money was taking out of my account in the amount of {$25.00}. I reached out to my bank which is Chime immediately when I noticed while I was at work told them what was going on and wanted to lock all of my cards and account immediately and they told me I had to wait until those transactions are out of pending status to do anything. Instead of trying to stop them which didnt make any sense to me by the way. I asked them how someone charged my account using my debit card when I still had my debit card in possession and if there was anything I can do to help they said you have to wait until they are out of pending status to do anything and once clear they can start a dispute. Once the XXXX XXXX cleared which was the next day I called and asked to start the dispute process so I can get my money back in account and had them send me new cards for my account, they asked a few questions and I mentioned the XXXX transaction again and let them know that one was still pending but I still wanted to get the ball rolling they put me on hold came back and told me that transaction was canceled and now can add it to dispute I was frustrated and told them yous just had me wait a day for the bigger transaction to get out of pending status but just stopped that one he told me he didnt stop it that they did on their side ( XXXX XXXX but was canceled by the way while on hold came back and said it was canceled. So I filed the disputes and they were denied. I called them and asked them why were they denied and they told me they would send the documents they had that gave them the final decision and could take up to 10 days to receive it and told me I could start a rebuttal to send them proof showing my location and what I was doing on that time and it really rubbed me the wrong way because I have been a member of chime since XXXX never an issue at all but I sent them all kinds of documents showing proof of exact gps location, pay stub for the week many transactions before and after those ones that werent authorized with physical receipts with exact store number remind you these transactions were in XXXX Washington and California and I live in XXXX NY on the other side of the country they denied my dispute 4 times even other chime members I spoke to after spending 3 days on the phone!! Said I see you definitely sent more then enough information to prove and verify the transactions arent yours they would handle and resolve it immediately then kept getting denied I dont know what else to do and this isnt right I work very hard for my money and take care of XXXX babies and a fianc and self  and never had anything like this happen to me before and I pretty much did all the investigating to verify these transactions were clearly not me and mentioned they even stopped them due to fraudulent activity and wish they would have froze my account after that first very first transaction took place and confirm and verify it with me because either one of those transactions would have occurred and isnt right and now refuses to give me my money back

Company response to consumer: Closed with explanation