Consumer complaint received 2022-09-08
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime Bank Dispute Claim XXXX Fraudulent charge on debit card ending XXXX ( now closed ) XXXX XXXX received message on mobile app of fraudulent charge XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/2022 for {$48.00} asking if it was me, replied no ; I turned off debit card ; I called Chime and reported the fraudulent charge XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/2022 and they stopped that charge ( second charge ) and a third charge. Chime said they could not stop the first charge XXXX XXXX XXXX pending for {$580.00}. Told me I had to wait for the charge to settle before I could file a dispute. There was no message from my mobile app for the first charge to XXXX. Chime email new debit card processing. 
XXXX XXXX XXXX XXXX pending charge for {$580.00} settled and posted. I called Chime and filed dispute claim. Chime email that the dispute was filed. 
XXXX XXXX Chime email provisional credit given XXXX XXXX Chime email saying they were making the provisional credit permanent. Chime email you received a merchant credit and a provisional credit so we reversed the provisional credit. I emailed dispute team I did not get a merchant credit. Chime email we can send you documents. 
XXXX XXXX Email to Chime Please call me XXXX XXXX Email to Chime Why am I getting no response XXXX XXXX Chime email You need to send info to rebut decision XXXX XXXX Email to Chime What info do you think I have that you don't have XXXX XXXX Called Chime and spoke to investigations. She agreed I did not get a credit from the merchant and said she was sending a note to the XXXX XXXX XXXX XXXX emailed dispute team about XXXX XXXX message from investigations XXXX XX/XX/2022 Called Chime and spoke to XXXX XXXX he said dispute denied. I said that was not true since the dispute says I got merchant credit that I never got. At my request XXXX transferred me to a manager. Talked to XXXX - Manager Dispute Team. XXXX reviews everything with me and finally agrees there was no merchant credit to my account and talks to the billing department. XXXX and billing department agrees no merchant credit went to my account. XXXX said he was sending and elevated dispute to the investigation team to process in 3 business days. 

XXXX XX/XX/2022 Called Chime and asked to talk with XXXX the Dispute Team Manager. Was transferred then talked to XXXX ( lady ) who says the Merchant ( XXXX ) did not credit to Chime for the fraudulent charge even though Chime had said they did earlier. And I asked her specifically that assuming XXXX did not credit Chime would Chime not credit my account for the fraudulent charge. XXXX said that Chime will not credit my account for the fraudulent charge. 
XXXX XXXX emailed merchant to verify they credited Chime. 
XXXX XXXX emailed Chime forwarding the message from the merchant that they accepted the chargeback from Chime XXXX XXXX emailed Chime Federal Trade Commission Electronic Funds Transfer Act ( EFTA ) states that if debit card is not lost or stolen I can't be held responsible for the fraudulent charge XXXX XXXX Absolutely no response from Chime. Called XXXX and was transferred back to Chime. There is no way to contact Chime Corporate Office. 
XXXX XXXX I Filed Complaint to CFPB

Company response to consumer: Closed with explanation