Consumer complaint received 2022-06-21
Company: Chime Financial Inc
State: TN
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:
I Bank with Chime. On Friday XX/XX/XXXX at XXXX et. I had a transaction that was not authorized of XXXX. I call Chime customer service right after I saw the notification come up on my Iphone. The Rep I spoke with immediately cancelled my debit card. She then explained to me that she couldn't put a dispute in because the transaction was still pending. On Saturday the transaction went through and I put in a dispute regarding this unauthorized transaction. About two hours later They denied my claim. Below I will attach all the documents they have sent me regarding all of this. They stated in the denial email that there was no error. I called them again and they stated I could put in a rebuttal. I did ask the rep that I need a denial letter or a reasoning behind why they choose this decision. The rep stated it would be to much paper work and she wasn't sure if she was able to send me one. She stated that I need to send in paperwork to show where I was when this transaction took place. I then emailed the support with my dispute information my timesheet of I was clocked in at work from XXXX XXXX. to XXXX et. I also showed the location of my office in XXXX Tn. The transaction that took place was at a XXXX in XXXX, GA three hours away from me. I also sent a screenshot of my bank transactions that show 1 hour at XXXX pm et I was in a XXXX XXXX XXXX  getting gas an hour later the XXXX transaction took place. I explained to the rep there is no way I would of been able to get down to XXXX GA in 1 hour to use my debit card. the store is three hours away. I explained as well to the rep that I called the Pilot and spoke with the XXXX and on Friday XX/XX/XXXX right after the transaction processed. XXXX the XXXX I spoke with stated she saw no transaction with the amount of XXXX even there. She declined that she couldnt send me the transaction list of that day. I sent all that information again with all the timesheet and they still denied my claim. This is beyond outrageous that I have to send in all that information just to have my claim denied. They shouldnt even allowed he transaction to go through. No one has my debit card or account information. I have had my wallet with me the entire time the transaction took place. 


This was my first intial email to them regarding all my screenshots below : Dispute claim # XXXX To whom this may concern for my rebuttal of the denial of my fraudulent dispute of a transaction of XXXX I have uploaded my timesheet and highlighted the day of the transaction on Friday, XX/XX/2022. And also the location of my office in XXXX, Tennessee. The transaction that was fraudulent was in XXXX, Georgia. Which shows on the transaction information on my chime app. It will show the highlighted as the time I clocked into my job after lunch XXXX XXXX  and also when I clocked out XXXX XXXX. I have also uploaded three different screenshots of the fraudulent transaction in XXXX Georgia at XXXX et. And the second of the three screenshots shows my transaction for the whole day of Friday, XX/XX/XXXX. The third screenshot shows a XXXX transaction in XXXX, Tennessee. Where I was at XXXX XXXX as it shows. I googled the XXXX gas station in XXXX, Georgia. And you as well can XXXX it is over 3 hours away from me. There so if I did do this I wouldn't be able to get there in time of when the transaction processed. I will be emailing and calling until I get my money back. This is completely unacceptable that I have to show all this proof of where I was in order for you folks to know this is fraudulent. This is stressful as is having some take all my money from me and to add on I have to show proof. I've bank with you guys for a few years now and you guys have been awesome truly awesome. So I thought this would be an easy fix and this is becoming way more of a hassle

Company response to consumer: Closed with explanation