Consumer complaint received 2022-11-10
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was reviewing my bank statements from chime and I noticed that my card was used for multiple ATM withdrawals without my consent. The following transactions are were taken out of my account. XX/XX/XXXX {$160.00} was withdrawn XX/XX/XXXX {$200.00} was withdrawn from my account on XX/XX/XXXX {$260.00} was withdrawn from my account on XX/XX/XXXX {$200.00} was withdrawn from my account on XX/XX/XXXX {$300.00} was withdrawn from my account on XX/XX/XXXX XXXX was withdrawn from my account on XX/XX/XXXX XXXX was withdrawn from my account on XX/XX/XXXX {$83.00} was withdrawn from my account totaling in XXXX that was taken from me. After reviewing all of these transactions I immediately called chime to file a dispute. My first dispute filed with them was denied they told me that they need more supporting documents for my claim after speaking with them over the phone I sent them supporting documents letting them know the locations where the transaction occurred and how they were in multiple spots all around XXXX XXXX not near myself. Also how during the time I just started school so all my time was spent mainly on campus or at work. After I filed a rebuttal my claim was still denied after that I sense more documentations of my school schedule and my work schedule showing them that during the times of the transactions I was either at work or on campus at school. They still denied my claim even after I sent them the documentation that they were asking for. I then decided to ask them to send me their report over why they denied my claim after viewing the report I was able to see that the dispute team did not try to really look into my claim they said that I was using the card that I locked because fraudulent claims are found on it even though I was not using that card since it was locked. I have rebuttal them on their dispute review showing them how they did not handle the reviewing of my claim correctly and how they made multiple mistakes and they still denied my claim. After sending them so many supporting documents for my claim they still deny it at this point I can see there is nothing that I can do with chime for my claim and to get my money back. I explained to them how one of my cards was on my phone as a form of XXXX pay and how that phone was stolen yet this still does not matter to the company I've tried numerous of times to try to be patient and try to give them documents however everything I do just results in a denial of my claim. Lastly I was told that my claim would come to a final decision on XX/XX/XXXX I waited all day to see their decision however they never got in contact with me to let me know their decision. I had to get in contact with them to find out what their final decision was which makes me see that the dispute team of chime is not trying to diligently work on my claim since they forgot to make me aware of their decision. I have many more forms of documentation if any is needed please let me know and I can send more.

Company response to consumer: Closed with explanation