Consumer complaint received 2021-04-02
Company: Chime Financial Inc
State: FL
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:
Quick Timeline From the date error occurred to present : XX/XX/XXXX Error occurred | amount {$210.00} XX/XX/XXXX Error reported to Chime XX/XX/XXXX @ XXXX An email was received stating Chime has begun the investigation, and a request for additional information : Clarify if the dispute is for transfer to incorrect recipient or transfer not received. 
XX/XX/XXXX @ XXXX XXXX back with the additional information and a document of the phone bill was included. 
XX/XX/XXXX @ XXXX The investigation concluded, and a final determination was made. Claim denied No error occurred '' and Claim closed. 
XX/XX/XXXX Requested for the Claim to be reopened XX/XX/XXXX, XXXX Response from Chime denying for the claim to be re- opened XX/XX/XXXX, XXXX Documents that were used for making a determination was received from Chime. 


Reason claim was denied | You stated that the money was sent to the wrong person. Upon checking your IP log, the phone number that you entered during the Pay Friends Initiation matches the recipients phone number in his profile. You also confirmed the transfer after the details were entered. No system errors. 
Mobile devices connect to your carriers ' network ( in my case XXXX XXXX XXXX ) by using an APN XXXX Access Point Name which is pre-programmed and compatible with your device 's sim card. The APN which again is provided by the carrier is used to establish a connection from my device to the internet. Mobile devices connected VIA Mobile Data have 2 IP addresses ; A public IP and a Private IP address. When a device is using a carriers ' network XXXX in my case XXXX XXXX & *** ) the device is connecting you to the nearest cell tower using your private IP address. Both IP addresses are assigned from your carrier by your devices APN and change every data session. Therefore, your determination is incorrect, false and misleading and your interpenetration of what occurred isnt even correct because the Phone number entered during checkout matches the phone number in the recipient 's profile does not matter because the money was MEANT to go to that phone number, not the person who was not authorized to use XXXX XXXX XXXX and spend money that did not belong to him which is illegal. To be clear, my claim stated the payment was deposited into an account illegally using XXXX phone number. The payment was supposed to be received by VC as a text message that someone sent her money and in order to claim it sign up for a Chime account. Instead, the payment once again settled immediately in the criminals account, and exhausted the next day by ATM withdraw which is clearly shown on the documents you used for your determination. If you really want to be a smartass and get technical then compare the device information from XXXX XXXX XXXX to XXXX XXXX device information that is collected every time, he logs into his account because surely if your right like you think you are then youd have a match to the device information that belongs to XXXX and directly tied to phone number XXXX XXXX XXXX through a contract. The money was sent to the right phoner number but not given to the correct person because this XXXX XXXX used XXXX phone number in his Chime account illegally and without authorization which caused the transaction to settle immediately not giving me the chance to cancel. This is an unauthorized transfer and I challenge your determination and demand my funds be returned to my account before I take further legal action. Thank You and will be waiting to hear from you XXXX XXXX *NOTE* In the included documents I have underlined and highlighted very important details that should be taken into account, I have also included information that debunks your conclusion and why your investigation results are not valid.

Company response to consumer: Closed with explanation