Consumer complaint received 2022-12-03
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, while I was in XXXX, KS, I went to a gun show to look at guns and purchase some items to start my build I am building. Upon finding those items I proceeded to pay for those items so I needed to turn on my Chime debit card to make that transaction and it went through. After that transaction was made I forgot to turn off my card and not even XXXX minutes later I started to receive text messages from Chime bank saying my debit card was being used in Florida. So I go back into the Chime app and turn my card off and I received a call from someone that appeared to be from Chime fraud services. The man asked me to verify information and told me that the charges would reversed. Well turns out that only one charge of {$250.00} to XXXX was reversed. As I was headed back to Texas where I live at I decided to check my bank account and the amount went from {$700.00} down to - {$100.00}. All of my VA XXXX check that I get every month was completely gone. My VA XXXX check is {$2200.00} each month. Someone stole all of it leaving me with nothing to pay bills or get food for myself and my family. There are XXXX separate charges of {$250.00} at XXXX different XXXX locations in Florida. There is a charge for {$55.00} at a XXXX gas station in XXXX, FL. There is a charge for {$47.00} at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, FL. There is a charge for {$7.00} Star XXXX XXXX XXXX in XXXX XXXX XXXX, FL. There is a charge for {$9.00} at XXXX XXXX in XXXX XXXX XXXX, FL. All of these charges were made while I was in the state of Kansas. I have and also had possession of my debit card in question. I filed a dispute claim on all of those charges on Monday, XX/XX/2022, because Chime bank told me that they could not make a dispute claim on a pending transaction. So I called back Monday after I told them they had XXXX hours to get my money back. After I filed a dispute claim on those charges I receive an email the next day saying that they reversed one charge of the {$250.00} and denied all of the other charges I mentioned above in this report. I called Chime bank and asked them about why they denied the other charges and they said the charges were not made in error and if I wanted to open a rebuttal case I could. So I sent in a picture of me at the gun show along with a picture of me standing in front of a sign saying the name of the gun show on it. After spending about XXXX minutes on the phone with Chime I get frustrated with them and hung up on them. After about XXXX hours I receive XXXX separate emails saying that they closed my accounts due to activity on it that didn't adhere to their deposit terms and conditions. I have been getting deposits to that account from the same people for over 4 years. Those people are the VA XXXX. I called the XXXX XXXX XXXX, FL police department and filed a police report with them as well as contacting my local police department here in XXXX, TX. I have attached a copy of my bank statement showing the unauthorized charges on my account. The charge for XXXX XXXX XXXX for {$53.00} and the XXXX charge of {$21.00} was me.

Company response to consumer: Closed with explanation