Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (MA)

I opened a Secured Credit Builder Account with Chime on XX/XX/XXXX. This was in addition to the Checking and Savings Accounts I have with them. Every time I made a transaction, I would need to transfer money into the account first in order to use the account. On XX/XX/XXXX, deposits in the amount of {$190.00}, {$120.00}, were deposited from my Checking Account. On XX/XX/XXXX, {$60.00}, {$10.00}, and XXXX XXXX in the amount of {$2.00} were deposited. The charges were XX/XX/XXXX XXXX - - {$22.00}, - {$20.00}. On XX/XX/XXXX, - {$79.00} towards my classes, XXXX Convenience Store, XX/XX/XXXX - {$80.00} XXXX XXXX XXXX - {$10.00} Convenience, XX/XX/XXXX - - {$11.00} Convenience. On XX/XX/XXXX - - {$11.00} Convenience, - {$110.00} XXXX XXXXXXXX XXXX ( Not Authorized ), - {$10.00} XXXX. On XX/XX/XXXX, I was charged {$110.00}! On the statement, it shows only the charges from XX/XX/XXXX and it only shows the deposits of {$120.00} and {$190.00} = {$320.00}! This is in the deposit account and was not reflected as my available balance! In XXXX, deposits were taken from my direct deposits and put into the deposit account for the Secured Credit Builder Account, which was not authorized, in the amount ( according to their third statement for the same time ) + {$1300.00} ( {$320.00} + {$1000.00} ) and they charged the erroneous amount of XXXX which, as mentioned previously, I could not possibly owe. This continues into XXXX where {$1200.00} was charged for a secured account that I had to transfer money into for use. In XXXX, XXXX, it shows that the balance in the deposit account on XX/XX/XXXX was {$1200.00} ( should have been {$1300.00} ), plus an additional {$300.00} deposited. Then, they charged {$1200.00} ( that I did not owe ) with {$310.00} still in the deposit account. Their math is not even correct because it would have been {$300.00} that remained. So, the total I should not have been charged and is owed at this point is {$2900.00}. In XXXX, XXXX, a total of {$5000.00} was deposited into the deposit account without authorization, bringing the amount they owed at this point to {$8000.00}! I did not receive credit for refunds or errors/disputes they made either. This statement was changed multiple times and I have each statement. In XXXX, XXXX, I no longer was using this account and no new transactions took place. However, the statement claims that I spent {$1400.00}! The only activity that took place was my being refunded in the amount of {$980.00}, which should have actually been {$1200.00} for fraudulent XXXX charges which I won the dispute regarding. Furthermore, an additional {$1000.00} was charged to me on XX/XX/XXXX for a supposed balance of {$2300.00} ( on the third statement ). An additional {$76.00} was deposited into this account which is far less than what actually was and so that brings the total they owe to {$10000.00}! They charged me {$1400.00} on XX/XX/XXXX when absolutely no transactions were made. They went on to charge {$260.00} on XX/XX/XXXX when no transactions were made and {$59.00} on XX/XX/XXXX when again no transactions were made. {$10000.00} is the total they have fraudulently stolen from me.