Consumer complaint received 2022-10-13
Company: Chime Financial Inc
State: MA
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:
My dispute is with chime bank, and to provide all of the unauthorized transactions would take forever but all my other financial institutions and accounts have returned my money to me from these same people. Where can I send the rest of the screenshots because I keep having to start over due to low memory everytime I try to add more screenshots and I can only add one at a time, up to three then it resets. 

Dispute claim ID # XXXX # XXXX # XXXX # XXXX What more do you want from me? Can I please have the documents you've used before these people get away with this unscathed and get to keep all my money that I've never had my entire life. I don't understand how this is ok I submitted everything I could under the Chime chat but with only being able to provide ten screenshots per dispute What is that you want? How is it not enough that literally the cashtags of these people dissappeared afterwards and they haven't been active ever since I secured my phone and my chime account, I literally don't know what to provide you guys and you make it so difficult to prove my case with just ten screenshots and not being able to provide video. I wouldn't be disputing these charges over and over again if l they weren't unauthorized and fraudulent. I don't get how XXXX, XXXX, XXXX, and XXXX can all reverse the charges made to these people but chime can not. I literally provided receipts for transactions that I didn't authorize or send, I admitted to sending one transaction which is how this all started and when that wasn't enough I've been constantly targeted by the same group of individuals because they know that they'll get away with it. It's no coincidence that since my account has been secured the only transaction that has been done where the two on XXXX which I authorized, these I did not. Add this to the other transactions I've Disputed as fraudulent and they've taken over $ XXXX and for someone who's unemployed at the moment and has retired parents that's alot of money. If I'd been the one that authorized these flurry of transactions I wouldn't be continuously trying to prove my case. I literally wasn't even home like I said previously, and I've contacted XXXX support, XXXX support, chime support, and everyone that I could that would help me get my money back. But I can't unless chime is the one to initiate it, as time is running out and I keep trying to submit disputes with ten different screenshots at a time, it's literally becoming clear to me that chime isn't the place I thought it was neither do I really want to keep my funds in this account. I'm going to try to submit these unauthorized transactions and the additional information required to reverse these transactions one more time and if what I provide isn't enough I don't know what to do. I've already submitted a complaint to the CFPB and I wouldn't have to do that but literally how can I prove my case when the transactions alone probably take up 7-8 screenshots and then I send the rest to XXXX in an email and they say it's going to be elevated and added to my dispute/ rebuttal but I don't think it is, now granted this time you guys took a little more time than usual which was appreciated, but I don't get how all my financial institutions even my credit card with open sky can reverse all these transactions made to the same scammers accounts, I've literally lost so much money that now I don't have enough to fix my car and register/insure it for work I'm starting next week. If I authorized these transactions I wouldn't be wasting my valuable time trying to provide whatever it is that you guys need, but it doesn't seem like chime cares about the customer anymore as my disputes as shot down so fast but yet XXXX still has my dispute open from a month ago related to money stolen from my chime account. When someone has access to your teamviewer information and entire device, plus all your financial information that you stupidly unknowingly handed over by clicking on a link as well as providing the wrong OTP code because someone spoofed it. I can't keep going in circles and not even know what I'm typing anymore or of if makes any sense. I literally feel like I'm going to have a mental breakdown. So please from the bottom of my heart can you please take back my money from these people before they go on to target the next person, which they probably already have because they think they've gotten away with it, please show them they haven't and it's not ok to strike up a conversation offering something based off of false advertisements, and when the victim refuses to give in they resort to any means necessary. Thank you for your time. I will submit more documents but I just want it to submit before I lose it again. 

I tried to provide receipts of me shopping on the days in question I'm still looking for XXXX and XXXX of XXXX but I think I was with my family that day, XX/XX/2022 I was with my family and I included screenshot of my texts with my mother verifying that.

Company response to consumer: Closed with explanation