Consumer complaint received 2022-08-01
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an account with Chime online bank. My account received XXXX direct deposits from Nevada XXXX : {$740.00} on XX/XX/XXXX, and {$13000.00} on XX/XX/XXXX. 
I was arrested and my probation revoked on XX/XX/XXXX. I remained incarcerated from that day until XX/XX/XXXX. My ex boyfriend hacked into my cash app account, which was connected to my Chime account via my Chime debit card, while I was incarcerated. He then transferred all the money out of my Chime account into my cash app account using the attached Chime debit card, and then transferred all the money from my cash app to his and a few other accounts. I did not authorize this, and I had no access to my account during my incarceration. 

I filed a police report with the XXXX XXXX, Nevada sheriff 's office upon discovering the fraudulent activity. I also filed a dispute with both Chime and cash app. Both institutions closed my dispute claims, despite documentation I provided them proving my incarceration, identity and the police report filed. There is no way I could have authorized these transactions from a prison cell. 

Chime refuses to credit the money transferred out of my account back into my account, though they are FDIC insured. The reasons they give are : XXXX. I didn't have my card when the transactions took place. 
XXXX. The cash app transactions were normal for my account. 
I did transfer money from my Chime account to my cash app account when I was not incarcerated, but never in those amounts or worth that frequency, and I couldn't do so while I was in jail. It is also not possible for me to have my card while in prison. My father tried to have them cancel my card while I was in prison, but Chime also refused that without a notarized Power of Attorney. The prison I was in did not have a notary. Chime would not accept penalty of perjury. 

The last 4 digits of the Chime debit card number that was used to transfer the money fraudulently to my cash app account are XXXX. 
My Chime account number is XXXX. 
The case number for the police report I filed is XXXX, XXXX XXXX XXXX Nevada sheriff 's office. 
The dispute ID for my Chime dispute is XXXX. ( They have closed this dispute XXXX times. ) I was incarcerated in the XXXX XXXX, Nevada jail from XX/XX/XXXX until XX/XX/XXXX. I was transferred to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Nevada on XX/XX/XXXX and was released on parole XX/XX/XXXX. 
The name of the man who hacked my accounts is XXXX XXXX. 
My current phone number is XXXX. 
My current email is XXXX The documentation I am sending include images of : The front and backs of both my state issued drivers license and my prison ID ; my booking and transfer paperwork from the XXXX XXXX jail ; my booking report from XXXX XXXX XXXX XXXX XXXX XXXX ; my release paperwork cover page from the date of my release from prison ; the business card of the deputy who took the police report I filed ; Bank statements from Chime indicating the deposits made into my Chime account that were stolen and the transfers out of my account to my cash app account and the transaction history from cash app that proves my Chime debit card was used to transfer money into my cash app and then transferred again to the account of XXXX XXXX.

Company response to consumer: Closed with explanation