Consumer complaint received 2022-11-14
Company: Chime Financial Inc
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card is a prepaid credit card that is attached to my " bank account ''. I was going through mental health problems at this time and was taken advantage of. I allowed someone to use my card and they claimed to have lost it. When I went on my app, I had to do it from that persons phone because my phone had " gotten destroyed by water '' which is clear now that they did this on purpose, to cancel the card, the person who stole my card and claimed it was lost, looked over my shoulder to retrieve the log in information. Once I was logged in, the wrong card was cancelled. I stupidly allowed the person to help me cancel the card, and they canceled my actual bank card and not the credit card that was stolen and claimed to be lost. I then went into a XXXX XXXX XXXX XXXX and inpatient rehabilitation program. I went into the Hospital on the night of XXXX and it was not until I was on the phone with my Mother from the facility and I gave her my information to log into my bank to get funds because she had my daughter that I discovered my funds had been moved to my credit card and spent. I reported this to Chime and to the local police. My XXXXXXXX XXXX  XXXX had to call for me because I was in a facility at the time. When I reported this to the police they told me once I was home they would come over, and they did, to take a statement, from there I made a police report and pressed charges. When I heard back from Chime they wrote me back and gave me reasons why they would not repay me the funds. I then wrote a request asking that this case be re-reviewed. I read the reasons sent forth about why Chime made the decision to not return to me my money that was stolen. One of the reasons that were given was because the money was spent in the area in which I live and another reason was because funds were moved from my savings to my Chime credit account. Well, as stated in my police report, which I have attached, my Chime card was stolen from me and the person accessed my bank account and moved funds from my savings account to my credit account, therefore the money would be spent in the area in which I live. I used someone's phone to access my account and cancel the card when the person said that they had lost my card however the wrong card was canceled, as stated, my spending card or bank card, not my Chime credit card was cancelled by mistake. I have attached documentation to show that this person was later, in my Chime account from their phone, and this is while I was in a facility and Hospital where cell phones are not allowed, therefore I wouldn't have had access to my account, and also it states the persons name who did all this was logged in from their phone. The facility that I was in while the funds were being spent, is in the state of PA, so I was not in the vicinity where the funds were spent, and have attached proof of this as well. 

XXXX stands form XXXX XXXX XXXX XXXX which is located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Attached I have my police report, a screen shot that this person was in my Chime account from their phone, and my admittance date to XXXX and University XXXX XXXX XXXX XXXX. 

Thank you for your time and consideration in the matter.

Company response to consumer: Closed with explanation