Consumer complaint received 2023-08-30
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is in response to the response given by the institution on my last complaint, Chime has failed to properly investigate my disputes, ignored requests for proper documentation and a valid reason for denial of claims. As a consumer I have a right to file a chargeback in the following circumstances Fraud or unauthorized charges on the account.

Orders that were never delivered.

Merchandise that arrives damaged or defective.

Orders that do not reflect what was purchased. 
Incorrect charges ( additional charges or incorrect totals ). 


In regards to Dispute XXXX Chime has continued to fail to investigate, provide a reason, and supporting documents used to support their denial or honor my chargeback/dispute rights backed by XXXX. I request my money back for the amount of XXXX. I have submitted supporting documents regarding the disputes and the shady practices performed by the merchant and how they have blatantly violated VISAs rules and Policies all of which Chime proudly says I am protected by. Chime has already failed to comply with their obligations on this dispute. I have proof that Chime has failed to provide supporting documentation or a valid reason to deny this claim within the 10 day time frame they are required to. 

In regards to Dispute XXXX Chime had failed to investigate properly, provide supporting documents for their denial or honor my chargeback/dispute rights. Chime decided to deny my claim of unauthorized transactions without properly investigating the supporting documents supplied by only 1 of the 4 vendors in question.

They have failed to address how my card was charged 7 times in under a minute by two different vendors with a similar name who also failed to provide supporting documentation to validate one of the charges they did not willfully refund. They have failed to address how this same vendor charged my card for the same amount in under a minute, did not provide a refund and did not provide supporting documentation to validate the charge. They have failed to address charges not associated with the vendor who did provide documentation and did not provide any supporting documentation or reason to validate the charge.

In regards to 9 of the charges that documentation was provided by the vendor, this vendor has blocked access to the account has not attempted to communicate with me at all and I have no way to contact them, based on that premise, I do not have access to the supposed purchases chime says I made and now own. Based on that alone I am entitled to a chargeback. It is CLEAR THEY ARE NOT REVIEWING COMPELLING EVIDENCE AS I HAVE DISPUTED WHAT WAS SUBMITTED BY THE VENDOR. And using evidence from one vendor as an excuse to deny charges am from a totally different one. 

In regards to Dispute XXXX They have failed to investigate ANY charges dated XX/XX/2023 from a vendor currently in dispute. I have 60 days to dispute billing charges from the time that I receive the statement. The charges they immediately denied appeared on my statement delivered in XXXX, there should be no reason why they were not handled in the same manor as the other charges attached to this dispute. Chime continues to pick and choose what rules and policies they wish to follow. Again not honoring Visas practices. 

No matter what evidence or documentation that I submit, it is clear based on the responses that I am getting that NO ONE is really investigating my claims. I have provided proof of the merchants in question shady business practices, how I have been prevented from using my purchases, and how the merchant has violated rules set forth by VISA and who Chime is refusing to do their part to hold them accountable. I am a victim of a fraudulent merchant and should be protected by financial institution. 

I want chargebacks filed on all the requested transactions and access to the money that was taken from me.

Company response to consumer: Closed with explanation