Consumer complaint received 2023-06-05
Company: Chime Financial Inc
State: NY
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:
RE : Checking Account # XXXX Chime Dispute # XXXX / XXXX / XXXX / XXXX Since I opened the account with Chime, I have encountered numerous alarming instances of criminal negligence by their ( evidently ) limited English-speaking/understanding customer support staff ( who mainly are outsourced from XXXX, tXXXX XXXX XXXX etc. ), abroad, communicate, comprehend/process what you are saying react accordingly, and solve a ( simple ) problem in their job description. 

Note : They failed to add all mentioned fraudulant charges in my initial report/dipute # XXXX I later needed to dispute XXXX more charged seperately that is still pending dispute # XXXX There's no better way to describe ( factually ) the level of incompetence, infantile mental capacity, and criminal negligence of their pseudo : Bank front and customer support, that they falsely present to their customers ( I being one of them ). 

For example : Details on the XXXX dispute # XXXX initially filed XX/XX/XXXX at XXXX : XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX ) - XXXX XXXX - {$86.00} * XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX )- XXXX - {$52.00} * XXXXXXXX XXXX XXXX ( " XXXX '' XXXX )- XXXX - {$13.00} * XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX )- XXXX - {$6.00} * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$53.00} * XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) - XXXX XXXX - {$7.00} * XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX XXXX - XXXX XXXX - {$86.00} ( Note : This was left out by chime in the first dispute ) I filed it XXXX. This charge was later added in dipute # XXXX upon my discovery. ) XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX ) - XXXX XXXX XXXX {$88.00} *. Total Losses : {$390.00} Deatails of dispute # XXXX : XXXXXXXX XXXX XXXXXXXX ( " XXXX '' XXXX ) - XXXX XXXX XXXX {$86.00} * -- I say all this with experience/evidence, and can prove their rogue operation 's criminal negligence/acts. 
Note : that they claim that they record calls with customers, so you may be able to get a copy of calls ( if need be ). I also have records of their criminal acts, that can prove their ill-will from their over-simplified run infantile business. 
i.e. : Their intent to deceive and scheme to defraud multiple customers with their false : XXXX XXXX and Debit Card/ Credit Card service. 

What they present and falsely advertise to customers on social media and online is far from what you ( actually ) receive. Features/Services that they claim ( XXXX ) they provide ( e.g. : Mobile Deposit of Checks into your Checking Account ) all of a sudden don't work or are not available. 
When you ask why, they have no sensible, realistic, or grounded reason to explain to you why its not working or available; other than some vague/ambiguous excuse if any. They then try to point at their ever-changing, on-the-fly terms and conditions which try to wave their need to provide the services they promised and advertised. i.e. : Basic banking features. 

My biggest complaint at this point is with their companys deliberate mishandling of my grounded disputes in the past. Where ( evidently ) they willfully over-simplify the complaint and submittal of the dispute to the related merchant and Visa ( IF AT ALL ). And in turn, the dispute itself ( i.e. if they { actually } dispute it, after you filed it ) gets denied because of their rogue infantile operation and criminal negligence. 
When you ask for documents to show you what they've submitted on your behalf and what the merchant ( and/or Visa ) submitted in response, the only thing they send you is a very vague ambiguous short non-nonsensical frivolous/ridiculous ( canned ) reason, as to why they denied my dispute and decided in favor of the merchant. 

In a recent dispute that I filed for fraud, some criminal ( possibly a cashier at XXXX XXXX ) skimmed my Debit Card and used my Debit Cards details and/or clone of my Debit Card to fraudulently make multiple purchases at Merchants ( either online and/or in person ). Furthermore, I never purchased anything from these merchants before using my Chime account. 
When I called CHIME Customer Support to report the multiple fraudulent charges that I discovered, I yet again got a Customer Service agents with a limited ability to : pay attention, mentally process, and thoroughly communicate, what I'm reporting to them ; these agents simply read a script ( like a Bot ) and XXXX their Customer Support position, in the hopes they fool you to trust that they will properly report/dispute the charges with VISA. Only to discover that they again deliberately submitted a partial, incomplete and infantile dispute, causing it to be " denied '' within a week or so of initially being disputed. 




Account Number Ending In : XXXX | Claim ID : XXXX Date Error Reported : XX/XX/XXXX | Claim Amount : {$220.00} They then offered to send me documents To show me what they submitted for the dispute and how they came to that conclusion and decision where they claim Visa denied it. I have evidence to believe that they themselves denied it and not Visa, By the timeline, it took them to get back to me with the denial. Then later not given me the paperwork they promised to show me evidence how to how they disputed the charges. To this day, I have yet to receive any documents for the fraudulent dispute, where my Debit Card was skimmed ( i.e. Debit Card Details were covertly copied by a thief ) and used multiple times by a criminal without my consent or knowledge.

And they keep giving me a false promise to either, email me or mail me letter with all relative information and communications with the VISA and the merchants. 

In turn, they are ( but not limited to ) committing the criminal acts of : Scheming to Defraud multiple people, False Advertising, and running their rouge operation with severe Criminal Negligence by aiding and abetting and acting in concert with Credit Card/Debit Card thieves/scammers ( which makes them guilty of the following criminal acts committed, under Accessorial liability, and Culpability ). 

[ Criminal Charges they are guilty of under NY State Penal Code Law ] : - Culpability ( XXXX ) - Criminal liability for conduct of another ( XXXX ) - Criminal liability of corporations. to the following ( XXXX ) - Criminal Possession of Stolen Property in the fourth degree ( XXXX, section 2 / Class D Felony ) - Forgery in the second degree ( XXXX, section 1 / Class D Felony ) - Criminal Impersonation in the second degree ( XXXX sections 1 and 4 / Class A Misdemeanor ) - Scheme to defraud in the first degree ( XXXX section 1 part C / Class E Felony ) - Unlawful Possession of a Skimmer Device in the first degree ( XXXX / Class E Felony ) - Unlawful Possession of Personal Identification Information in the Second Degree ( XXXX ) - Grand Larceny in the fourth degree, section 2 ( XXXX / Class E Felony in NY XXXX ) The fact that the Criminal committed several felonies listed above, it therefore also constitutes : - Identity Theft in the second degree ( XXXX section 3 { possibly Section 4 } ). 

I'm supposed to be protected and insured by VISA in such instances of fraud ; yet evidently by whatever willful inaction, support/suppression of criminal acts, or incompetent means of this rogue Online Bank ( CHIME ) company, that insurance is basically pseudo and nonexistent. 
Especially when infantile CHIME employees ( with the { mental/communication } capacity of a peanut ) act as your ( telephone-game ) translator ( if you will ) and middlemen to VISA. 
Their staff on recorded lines have proven their incompetence/carelessness on multiple occasions. 
i.e. : In processing/comprehending ( what they are hearing ) and communicating properly in XXXX, executing a proper investigation/submittal for a Debit or Credit Card dispute, then responding and acting upon a request of VISA or the Customer. 
XXXX. : When I asked them numerous times to provide me with documents to prove what they've done, submitted and how that decision came to be. 
The lack of providing that documentation acts as circumstantial evidence, makes them suspect, and points to the likelihood that they knowingly/willfully mishandled the dispute. 

Causing this and previous disputes to be denied either by their back-end without even submitting it to VISA ( and CHIME pretending they did ) ; or by VISA, because of their criminal negligence/acts, and infantile communication or execution. 

Then they try to hide their willful criminal negligence, and rogue operation by not providing you a copy of what they submitted and what they did to try to investigate your dispute. 

I've asked them numerous times to give me the address of their corporate headquarters and legal department ; but they keep telling me the only way to contact their corporate Headquarters, is via email ; which never gave me access to a corporate level that could fix these issues. 

I'm quite sure they have enough, customers making complaints to them at some level, and some means of gathering that feedback from customers. Their continued willful acts of negligence, makes it evidential that their corporate Headquarters supports their XXXX Bank operation ( under the guise as a " Online Bank '' ). 

I have spent a great deal of time and money trying to communicate issues with their operation and mishandled disputed charges with them ; but their deviant staff carelessly hide behind their computers and simply try to troll/exhaust you, by sending you canned, patronizing, dismissive, evasive, sidestepping and disingenuous responses .... in the hopes you give up on whatever you're trying to bring to their attention ( and have them rectify ). I'm requesting your Bureau investigate this criminal operation, file criminal charges against those involved, and seek restitution for victims, that have been negatively affected by their rogue operation. 

In the past, when I filed a dispute against XXXX ( I think claim # XXXX ), I caught their staff lying to me ( in writing ), that XXXX claimed the disputed amount was already refunded, even before I received the item : Basically claiming : an item ordered ( let 's say ) XX/XX/XXXX, was refunded by XXXX XX/XX/XXXX ( for no reason at all ) while it was still en route to get to me on the XX/XX/XXXX. 
When I brought this to CHIME 's attention by phone and email, they kept dancing-around concrete evidence with the same canned response trolling, hoping that I give up on pointing-at-the-elephant-in-the-room ( in a matter of speaking ) and take the loss. 

They have committed several acts of fraud against me ( and I'm sure thousands of others ) with their Scheme to Defraud. I therefore wish to press criminal charges against those responsible within the company. Other than my demand for restitution. 

To this day, I've lost thousands of dollars damages/losses because of them, other than time spent trying to communicate issues to their company and merchants ( when filling disputes ). 
I can provide you with dates/recordings/emails and more detail if youre interested and can help rectify this. Just let me know where to send them and in what format. 

Thank you for your time.

Company response to consumer: Closed with explanation