Consumer complaint received 2023-12-03
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:
XXXX day, a friend sugested me to use Chime as my bank, it was easy to work with them and it woul help to improve my credit. It was a honeymoon for about XXXX years : money was " safe '' and my credit was fantastic! Suddenly, I got a notification about my card been used in Florida on line with a charge of {$3200.00}, and I denied, they cancelled my card and send me other one. From there, I guess I changed like 5 times my debit, and my credit cards, to the extreme that in some point in time, my online card did not match my physical card, or I got chargers with a card I did not had yet on my hands. 
But the worst was about to happen : last XXXX, siting in my desk computer, at home in XXXX, getting clear about some charges made in my Chime checking account, via chat with a representative from the bank ( no name ). Suddenly, a transfer from my savings account, {$550.00} was moved to my debit card account, and from there, ( I'm looking at the app in my phone at the same time I'm chatting with this person ) I saw several small drafts start appearing, from Chick-fil-A, XXXX every minute, others under door dash, all in GA, other charge was made in a movie theater in Florida, pizza place XXXX Papa XXXX in California XXXX XXXX total XXXX XXXX chargers to my debit cars, from XXXX pm to XXXX ... in the middle of all this madness, I asked them if we need to call the police, the answer of this person was " no, it's not necessary, we take care of this ... '' more coming and I ask to stop it, to cancel the card and deny all the expending, this person said that he can not do it nothing about it, and close the chat window. Inmediatelly, I tried to disconnect the card, I could not do it. I try to reconnect, nothing, I called, they let me on hold for about XXXX minutes ... no response. I was checking all the charges, and the total ammount of all those charges was the same ammount that was moved from my savings, to my checking account. 
After that, I went to different websites to place a complaint, nothing happened. I asked chime to dispute the charges, they did the investigation and said : " Nothing wrong, those charges were legit, and they did not accepted my demand of reopen the investigation, and finally, XXXX months of insisting, I was able to made an other complain, and before XXXX I had a No valid, and I can not try again. 
For good or bad, I have screenshots of the bank account, the dispute with the denial, and some information of some of the charges, XXXX from each company. ( I'm attaching the screnshots to this email ). 

My bank account was left with - {$40.00} ... anything solved? No, and I do believe they own me more than that money... I live scare to use any bank, because someone empty my account I got behind on my payments, getting me in a really bad situation, even, some payments programed were canceled ... it has been a very stressful situation. 

I hope this information help people, and think twice and research better about the bank the choose to work with.

Company response to consumer: Closed with explanation