Consumer complaint received 2021-07-18
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX my problem is with chime bank. They won t reimburse funds that were fraudulently removed from my account during a time period of which I was incarcerated due to a XXXX  violation for an unrelated personal matter. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$4500.00} This is the last email I sent to them today. 
Chime closed my account 2days after claim denial! 

I DO NOT UNDERSTAND WHY MY CLAIM WAS DENIED PLEASE REOPEN MY CLAIM! I WAS STOLEN FROM POINT BLANK PERIOD!!! XXXX $ WAS REMOVED FROM MY CHIME ACCOUNT BETWEEN XX/XX/XXXX TO XX/XX/XXXX VIA ONLINE TRANSACTION FROM AN XXXX  XXXX IP ADDRESS LOCATION SHOWED NEBRASKA AND A XXXX NUMBER ATTACHED TO THE DEVICE THAT HACKED INTO ALL OF MY ACCOUNTS CHIME PLUS OTHERS THE CRIMINALS KNEW I WAS XXXX  DURING THE ABOVE MENTIONED TIME FRAME AND USED MY ABSENCE AND INABILITY TO RESPOND TO ANY SECURITY BREACH THAT OTHERWISE I WOULD HAVE BEEN ABLE TO RECOGNIZE AND IMMEDIATELY STOP AND REPORT. I COULD NOT EVEN REPORT TO MY UNEMPLOYMENT PROVIDER TO HALT DIRECT DEPOSITS THAT THE CRIMINALS WOULD STEAL OUT OF MY CHIME ACCOUNT DUE TO THE DOCUMENTED AND PROVEN FACT THAT DUE TO A XXXX  VIOLATION I WAS XXXX  AND SERVING TIME IN A CORRECTIONAL FACILITY IN XXXX TEXAS THIS OF WHICH I ALSO SENT CHIME PROOF OF. I FILED A POLICE REPORT WITH XXXX TEXAS CITY POLICE DEPARTMENT AND PROVIDED CHIME WITH THE POLICE REPORT NUMBER WITHIN DAYS OF MY RELEASE FROM SAID CORRECTION INSTITUTION AND AS SOON AS I BECAME AWARE OF THE FRAUDULENT ACTIVITY ON MY CHIME BANKING ACCOUNT. I HAVE THE FULL NAME AND DOB AND CITY AND STATE OF THE PERSONS THAT HACKED MY ACCOUNTS AND STOLE MY MONEY. FOUND VIA XXXX ACCOUNTS SECURITY MENU SHOWING THE SECURITY ALERT FOR UNKNOWN LOCATION AND DEVICES LOGGING INTO MY XXXX  ACCOUNTS ALSO DURING THE AFOREMENTIONED TIME FRAME TO WHICH I COULD NOT BE MADE AWARE OF UNTIL MY RELEASE IN ORDER TO STOP ANY SAID SECURITY BREACH ... # 1 name of thief : XXXX XXXX XXXX dob : XX/XX/XXXX resides : XXXX NEBRASKA this person had or has ALL of my personal information enough so as to be able to change/delete/reset any and all of my security measures applied to any and all of my banking social media email etc.. Accounts as she was an adopted child of my mothers and through this source used info to defraud me steal from me and she also stole from my mother. # 2 XXXX XXXX XXXX dob XX/XX/XXXX resides : XXXX NEBRASKA she did assist Ms XXXX IN FRAUDULENTLY REMOVING MY FUNDS FROM MY CHIME ACCOUNT ONLINE INTO THEIR PERSONAL XXXX XXXX ACCOUNTS THUS I TOO USE XXXX XXXX YET I WAS XXXX DURING THIS TIME AND UNABLE TO BE NOTIFIED OF THE TRANSACTIONS AGAINST MY ACCOUNTS AND BOTH THESE THIEVES TOOK ADVANTAGE OF THAT FACT AND FOR NEARLY 3MONTHS HAD FREE ACCESS TO ANY AND ALL OF MY FINANCIAL AND PERSONAL AND BUSINESS AND SOCIAL MEDIA ACCOUNTS AND HAVE COST ME TENS OF THOUSANDS OF DOLLARS DUE TO THIS FRAUD TO SAY THIS THAT MY CHIME ACCOUNT IS NOT THE ONLY ACCOUNT THAT WAS COMPROMISED DURING MY ABSENCE AND INABILITY TO RESPOND TIME FRAME OTHER FINANCIAL INSTITUTIONS WERE HACKED THAT I BANK WITH AND FUNDS REMOVED ONLINE FROM THOSE ACCOUNTS AS WELL. REOPEN THIS INVESTIGATION. NOT DOING SO SHOWS THAT CHIME IS ON THE SIDE OF THE CRIMINAL HELPING HACKERS DENYING CLAIMS ASSISTING IN THE FRAUDULENT OBTAINMENT OF FUNDS VIA INTERNATIONAL WIRE, I e THE INTERNET I AS THE CONSUMER HAVE PROVEN BEYOND A REASONABLE DOUBT THAT XXXX $ WAS INFACT STOLEN FROM ME SENT DOCUMENTS PROVING I WAS XXXX AND HAD ABSOLUTELY NO WAY TO ACCESS INTERNET PHONES DEVICES COMPUTER ETC ... .THUS WAS RENDERED UNABLE TO STOP OR REPORT THE BEACH OR FRAUD UNTIL I WAS RELEASED AND MADE AWARE!!! INSURED FOR XXXX $ CHIME STATES THIS IN THEIR ADVERTISEMENT AND CARDHOLDERS AGREEMENT YET CHIME CHOSE TO FORCEFULLY CLOSE ALL OF NY ACCOUNTS WITH THEM UPON MY CLAIM ASSISTED THE FURTHER VIOLATION OF FINANCIAL TURMOIL IN MY LIFE AS I CAN NOT RECEIVE MY STIMULUS, IRS, UNEMPLOYMENT, GRANTS THAT WERE SET FOR DIRECT DEPOSITS TO MY CHIME ACCOUNTS AND CREATED SUCH A BACKLOG AND DELAY OF RECEIVED FUNDS THAT I AM NOW XXXX  CARLESS AND HAVING TO SEEK XXXX XXXX FOR THE XXXX AND XXXX  IM CURRENTLY SUFFERING AND XXXX XXXX OF BEING DENIED MY CLAIM OR DISPUTE SIMPLY BECAUSE CHIME WOULD RATHER ME BRINK XXXX  THAN TO REIMBURSE MONIES PROVEN TO HAVE BEEN TAKEN AND CHIME WOULD RATHER NOT STAND BY THE FACT THAT THIS IS WHAT FDIC INSURED FOR XXXX $ IS SUPPOSE TO MEAN WHEN A CONSUMER SUCH AS MYSELF IS VIOLATED IN THIS WAY ... NO CHIME WOULD RATHER CUT YOU OFF CLOSE YOU OFF AND HALT ANY FINANCIAL PROGRESS TO RECOVER FROM THE XXXX OF ONLINE IDENTIFY THEFT AND ROBBERY BECAUSE GOD FORBID CHIME MIGHT ACTUALLY DO WHAT THEY SHOULD AND REIMBURSE MY FUNDS AND GO INTO PROSECUTION PROCEEDINGS OF THE INDIVIDUALS RESPONSIBLE FOR THIS CYBER ATTACK. THIS IS WHY INTERNET CRIME IS AT SUCH A HIGH LEVEL AND USUALLY PPL GET AWAY WITH THEIR CRIMES VANISH WITHOUT A TRACE AFTER THEY HAVE VIOLATED THE INDIVIDUAL CONSUMER YET WHEN I THE CONSUMER HAVE INVESTIGATED ON MY OWN FOUND THE CULPRITS REPORT THE CRIME THE ONLINE INSTITUTION REFUSING TO ACKNOWLEDGE THAT A CRIME EVEN OCCURED AS TO KEEP THEIR INSURANCE COSTS LOW NOW APPEARS TO BE IN CAHOOTS WITH THE CYBER CRIMINALS CHIME REALLY DOES NOT CARE ABOUT THE CONSUMER AS LONG AS THE CONSUMER DOES NOT COST THEM!!!! BEST BELIEVE IF I WAS OVERDRAWN BY XXXX $ THEY WOULD HAVE ME IN COLLECTIONS!!!! AND IF MY XXXX AND XXXX  PEAK LEVELS OF INABILITY TO COPE TO SUCH A DEGREE AS XXXX  SEEMS TO BE MY BEST OPTION IS CHIME FDIC INSURED FOR THAT AS WELL?? HERES HOPING SO ... I DONT HAVE BURIAL INSURANCE EITHER!!!!

Company response to consumer: Closed with explanation