Consumer complaint received 2023-09-05
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime bank online services. 
I, XXXX XXXX XXXX, have an account with chime Bank. 
On XX/XX/2023 there was a fraudulent transaction from XXXX XXXX XXXX for {$180.00}. A second fraudulent transaction from XXXX XXXX happened on XX/XX/2023 in the amount of {$290.00}. 
I contacted the police and told them there were fraudulent transactions on my bank account and when they investigated they found that the XXXX fraudulent transactions the ISP address matched from the person who committed the fraud and my ISP address did not match that of the fraudsters. In fact the fraudster was over XXXX miles away from me in a different state so it could not have been me according to the police. 
I contacted both XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX gave me my money back XXXX  days after I told them of the fraud and XXXX XXXX XXXX said they would never give me my money back, even if fraud had had happened. 
Chime Bank gave me a new card in XXXX of XXXX  because of the unauthorized transactions. 
For some reason now they are denying my claim and the documents they give me don't prove anything beyond the police finding it could not have been me based on the electronic fingerprints and the fact that XXXX XXXX XXXX admits they never gave me any goods or services. 
Chime Bank needs to answer why they say no error in the transaction occurred and denied my claim XXXX times now. The police proved it was unauthorized and XXXX XXXX XXXX proved and admitted they never gave me goods or services for the transaction. How in the world can my bank claim no error when there was nothing but errors and the fact they don't answer my claims shows that they're lying and hiding something and giving my money to the fraudsters. 
XXXX XXXX XXXX not only admits they never gave me goods or services but says they will give me a voucher for a show in the future to show they never gave me any value whatsoever yet for the money that my bank gave them on XX/XX/2023. All this is proven and in the possession of chime bank yet they are either stupid ignorant or just plain incompetent and can't read documents that are in their possession. 
How they can lie to the Consumer Financial Protection Bureau and say that there was no error and do it with a straight face is beyond me and the fact the Consumer Financial Protection Bureau is allowing them to say this and not holding them accountable. 
I sent chime Bank the police report and their own documents where XXXX XXXX XXXX admits they never gave me any goods or services and said please read your documents that you send me better because they admit they're not deserving of my money because they didn't give me anything for my money. Chime Bank simply breaks the law and says we can't find any error. 
There are two parts to a transaction number one is did I authorize the transaction and number two is did I get any goods or services? I have already proven the transaction was fraudulent by the police and the police report and XXXX XXXX XXXX admitted they never gave me any goods or services. How can chime Bank say no error in the transaction is almost ridiculous to the point of being Criminal. They are giving my money to an entity that didn't do anything to deserve my money. XXXX XXXX XXXX never gave me anything that is deserving of my money. Chime Bank needs to give me my money back.

Company response to consumer: Closed with explanation