Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

on XX/XX/year>, i noticed XXXX unauthorized charges on my checking account. i immediately contacted the bank to dispute the charges. These charges were XXXX from XXXX XXXX XXXX, XXXX from XXXX from XXXX XXXXXXXX from XXXX XXXX XXXX  and XXXX from XXXX XXXX XXXX  I was however informed that i could dispute them yet as the transactions were still pending. i then decided to XXXX the names of the merchants as they appeared on my account to try and see if perhaps, they could locate the transactions and stop them being that i did not authorize the charges or know the merchants or ever done business with them. i found out that these merchants are in the state of NY based off the fact XXXXXXXX XXXX XXXXXXXX &  XXXX XXXX are restaurants. i have never been to NY and had my debit card with me in TX where i live. i called XXXX XXXX XXXX  and gave them my info & they didn't have me in their system & adviced me that i should let the bank know so that they aware of the fraudlent charges on XX/XX/year> all transactions, except the XXXX XXXX XXXX  had posted so i called the bank again & filled a dispute. case # XXXX i was again told to wait for the XXXX XXXX XXXX transaction to post & file another dispute for it. on XX/XX/year>, i file dispute # XXXX for XXXX XXXX XXXX 

on XX/XX/year>, i got an email that claim XXXX was denied as no error occurred which was a big shock because these were fraudulent charges & how quick did they determine this based on i submitted the case on XX/XX/year>. I then request for additional information as to how they came to this determination as per their email to me if i need additional information as to how they concluded " no error occurred ''. In addition, i submitted additional evidence such as my grocery order which i did on XX/XX/year> that had alcohol which i have to physically show my ID for me to get my order. 

Since the other claim ( XXXX ) hadn't been finalized, i added the SAME supporting documentation to the pending claim and on XX/XX/year> i received an email that this dispute had been resolved and after their investigation they found an error occurred and they would refund the {$11.00} to my account. 
On XX/XX/year> what i got as documentation of what determination was used to deny my dispute was a transactional list of the transactions, just as i see them on my checking account. This has been very frustrating as i've called the bank several times to get resolution because money was taken without my authorization and how they can approve XXXX claim and deny another yet i submitted the same supporting evidence and all merchants appear in NY and i'm in TX. I spoke with one supervisor by the name of XXXX who said she'd have them review the claim again only for them to send me a list of the transactions as they appear in my checking account. How is this evidence of how they concluded this. Below is the additional information that i requested from chime as to how they came to that decision. How did they use the same supporting docs i provided and conclude with two different answers. This is theft! Nobody should have a bank that doesn't protect their consumers and doesn't do its due diligence in investigating. I feel like i did more work as a consumer just to even find out who these merchants are & where they're located. 

Chime TXN ID Date Amount Merchant XXXX. XXXX XXXX {$3.00} XXXX XXXX. XXXX XXXX {$26.00} XXXX XXXX I XXXX. XXXX XXXX {$31.00} XXXX XXXX XXXX. XXXX XXXX {$53.00} XXXX XXXX  XXXX. XXXX XXXX {$76.00} XXXX XXXX XXXX