Consumer complaint received 2022-10-27
Company: Chime Financial Inc
State: TX
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:
Hello I really hope you can help me. There was several transactions to my checking account which I didn't make. I contacted Chime bank ( my financial institution ) to get the problem resolved. The lady I spoke with at Chime, told me that she was going to have to make three claim because of the amount of unauthorized transactions made. She said it was Chimes policy. ( now I realize Chime does it on order to divide the incident to have reason to deny ). The three claims I speak of took place by the same person in the same time frame. The lady I'm speaking of name is XXXX and her husband name is XXXX. 

XXXX approached me saying the IRS has money to sort out and I might be approved of unclaimed funds. He said his wife should do the filing for me since she does income taxes for the IRS. Having done that. I Began to question her about the refund. She told me she wouldn't steal nor take advantage of me. Little did I know she was, by getting my personal info from Chime. She had Chime change all my personal info to reflect I was staying at the address she provided. She had my phone number changed as well as my email address. 
I was frustrated having found this out because Chime had a debit card mailed to her address which they should not have done. Chime would have their members verify themselves by sending a selfie holding driver license or ID holding an index card with name and the days date on it. Why Chime allowed this happen is senseless to me. 
Her coworker got in touch with me and told me what was happening. She advised me to Contact Chime and have them block the card. I also started the claim process. With this claim Chimes employee made three claims on the same ticket. Claim number XXXX, claim XXXX, claim XXXX. 

Chime approved claim XXXX which was {$2000.00} XXXXThey refuse to approve claim XXXX and claim XXXX. Their reasoning is " I didn't send them no new documentation " The documents I did send to them that they used to approve of claim XXXX is the same paperwork I got off my transactions history and messages from the lady that contacted me. ( I would like to send these to you ). I don't understand how are they allowed to do this. They are trying to make these separate incidents which they aren't separate incidents ( as you'll see when I send this to you. ) I also asked for the reason why and what they used to come to the conclusion. They never sent me documents so I could see why they would deny certain claims but approve some. Does not make any sense to me other than that claim XXXX is the lesser amount of the 3 which was {$2000.00} claim XXXX amount {$22000.00} claim XXXX {$2400.00} ( and something ). 

The lady that did this to me perpetrated a fraud. I trusted that she was a legitimate tax preparers. As soon as the IRS deposited {$31000.00} into my account she immediately started making withdrawals. ATM withdrawals, transferring money to her bank account XXXX XXXX and Bank XXXX XXXX also cash app transfers. I explained this to no avail. Now I come to you for help. After you review this hopefully you find the way to assist me In this.

Company response to consumer: Closed with explanation