Consumer complaint received 2022-08-09
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, an unidentified male entered my home with out permission and stole numerous items. Electronics, personal files, my vehicle, and my purse. At the time I was staying next door at a family members home bc I was extremely ill XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. My spouse was working out of town and I need help eating, bathing, etc. During the evening hours of XX/XX/2022 about XXXX my home security cameras caught a male entering my home and exiting it XXXX mins later with my belongings. He proceeded to steal my car as well. On XX/XX/2022 @ XXXX pm, XXXX and XXXX pm XXXX, XXXX, XXXX was withdrawn at a gas station ATM a few XXXX from my home, later really morning of XX/XX/2022 @ XXXX, and XXXX at another has station ATM {$200.00} and {$200.00} was withdrawn and XXXX x XXXX was charged for withdrawing the funds at XXXX that same morning, finally at XXXX on XX/XX/2022, that night, a purchase was made at that same gas station for {$43.00}. Due to my illness it was 2 days before I realized what was happening. When I became aware of the burglary I immediately began contacting my banks and credit card companies to notify them if unauthorized charges stemming from this mans theft. Every one investigated and found the above information to be true. Everyone returned my funds with the exception of chime financial. I provided them with my XXXX timeline proving where I was at the time of the theft. I also provided a photo still taken from my home security footage, 1 letter from each of the business where my card was used for my bank as evidence. Each business owner prefer their own independent investigation and each found that the theft was no fault of mine. The man in my security cameras at home matched the man illegally withdrawing funds using my debit card. There were several charges. 1 in store, with card presented at check out to make a purchase, and 5 total ATM withdrawals between the 2 business. I uploaded the proof and sunny my dispute straight to chime. Within XXXX how my cousin was denied without even a proper investigation. The GPS/timeline information shower I never left my home. The camera footage shows the assalant clearly that's why I uploaded it as well, a detailed list of my whereabouts from my digital footprint on my XXXX timeline for the day before an after the unauthorized charges where made. WHEN MY CLAIM WAS IMMEDIATELY DENIED by come without any tell investigation, i reached out again to chime to file an appeal/rebuttal. I've asked 5 additional time and reach time my claim was immediately DENIED. Even though they have the undeniable proof from myself and the business owners that this was theft, chime still refuses to return the money. I need help. Upon doing a little research into chime and their track record where disputes are concerned it turns out that they never give in favor of their clients. I found over XXXX complaints exactly like mine where people have given endless and absolute proof and chime had continue to deny their dispute claims, appeals, and any rebuttals they filed. They just ended up losing their money. I can't to that I need my funds for my family. This was all we had left. In total {$960.00} was stolen. Please help.

Company response to consumer: Closed with explanation