Consumer complaint received 2023-12-06
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$89.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX$76.00} XXXX These are the transactions that I did not authorize I did send over proof of my work schedule I travel for work and on my schedule it does show where Im supposed to be those days and my location of where Im at doesnt match where these transactions are being made in person, as well as my computer, where all my personal information was taken which I did inform chime of. I tried to give them everything I could think of to give them. I also felt suspicious that maybe one of the workers at another store possibly wrote down my card information I just know for sure I did not make those transactions I listed above and there was no way possible I couldve made them being in a whole different state or another city that is like an hour or two away chime did not have any solid proof to deny my claim. This is discrimination. They base their stuff off of previous transactions based off of the conversation I had with a dispute manager prior to today but some of these transactions listed above Ive never had repeated transactions with some of these companies and I feel like thats bad ground to based their reasoning for denying my claim when I requested documentation of any proof or evidence that know for sure I made these transaction they had none they didnt send me anything yet. Im the one sending a lot of proof, and I still denied my claim even though I show proof of my work schedule, so Im asking you guys to report them as well as make them reimburse me of my funds. I have repeatedly reached out numerous times five times to be exact. I have spoken to dispute managers. I have tried to get in touch with the investigation team I was denied that I have reached out to support and got no response. I have sent over more and more pictures, screenshots written statements and basically begging them to do the right thing, and to reimburse me. I just given them all the proof I have. But even with me, making these numerous steps they still denied my claim with no solid proof or real investigation. They denied my claim in less than a day which is not enough time for a thorough investigation. I am being discriminated towards, and I did voice this to them. I also told them that my concern was that they denied it quickly because of the amount of money but I did not make these transactions. No pin number was use for these transactions. Someone had my card information and was making numerous transactions on my account without my permission and knowing. I did tell them this as well they ignored me. I have done everything I could think of to do to correct the situation. I have cried and pleaded with them to get them to reimburse. They treated me unfairly unjustly with no solid proof. I even had to call XXXX to see if it was possible that they could tell me if someone use the pin trying to narrow down if it may be with someone I knew, and it wasnt nobody I knew. I found out no one use the pin they use it as credit this should be causing them to raise a more suspicious eyebrow and see it wasnt me who use it because of that and because of my work schedule proof. As you can see, I have taken so many steps to try to bring a resolution for me and my account, but I have been treated unfairly I have been discriminated towards with no fair, justly investigation, or them having solid evidence, even though I had solid evidence.

Company response to consumer: Closed with explanation