Consumer complaint received 2023-03-26
Company: Chime Financial Inc
State: NJ
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:
This complaint is against Chime. I was an active consumer of their product for a little over a year, up until XXXX of XXXX. This is where the first issue arose with their bank. I woke up to {$1400.00} missing from my account. I immediately disputed the transactions as they were not made by me. I received an email from Chime stating that no error had occured, and the dispute was closed in less than a week, before I had a chance to even submit my documentation. I then requested the documents they used as evidence for their investigation, and was never provided them. After going back and forth with them, the claim was reopened. Around 3 months later in XXXX, XXXX, I received an email stating there was indeed an error, and my money was returned. After that, I stopped using this bank account because I could not trust them to correct this situation in a timely manner, and having to wait months for that amount of money could be detrimental to someones livelihood. It left me wondering, why not ( like other banks ) issue a credit during the investigation? Anyhow, fast forward to XXXX, XXXX. Somehow, the IRS used my deposit info from an old tax return, and my current tax return was sent to the Chime account I had not used in over a year. I did not even have the app installed. About a week later, I notice an email regarding the deposit. I reinstall the app, login to my account, and see that the money is already gone, this time in the amount of {$2300.00}! Again, I immediately dispute the transaction, explain the situation, show the clear account inactivity, and show my actual tax return documentation proving that the return should have never been sent there. Once again, I am immediately met with a response that no error occured and the dispute was closed. So, just as last time, I requested the documentation they used in their investigation, and as expected, have yet to receive anything. So this is the second time disputing a meaningful amount of money on an unauthorized transaction, and the second time being met with immediate resistance, and no support. I have been bounced between a number of support agents who repeat the same scripted response. I have asked for a supervisor multipled times, and have yet to be provided with one. This situation is more dire than the last, it is a higher amount, and my current situation left me relying on that to pay my rent, which I am now unable to do because once again this bank is showing signs of unethical business practices. They violated US Treasury regulation E already with their email response, and have been held accountable for that multiple times in court already. I would rather not have to file a lawsuit, and would like them to actually assist their customers. This situation could have been handled with a temporary credit while they complete the investigation, rather than possibly pushing one of their customers into being homeless.

Company response to consumer: Closed with explanation