Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (WA)

Mon, XX/XX/2023, XXXX to XXXXXXXX, me I'm writing to contest the decision that was said no error occurred for the transaction amount {$280.00} per the email I received. I need to reiterate that these funds were illegally stolen/taken out from my account. My cell phone I lost over a week ago and therefore had no access to my Chime account up until recently. I got an email notification Sunday Morning at exactly XXXX PST from XXXX XXXX that says I confirmed a Pay Anyone Transfer to an individual named XXXX XXXX for {$280.00}. I DID NOT APPROVE THIS TRANSACTION- NOR DID I PHYSICALLY SEND IT TO THIS PERSON THAT I DON'T KNOW. The email was sent to my previous email address XXXX prior to me making the change to my now alternate email that now I use which is XXXX. When I filed this dispute the representative helped me by suggesting to use another email, change password and use another tel # which now I'm using phone # XXXX and have it set up to get verification codes when logging in. I also uploaded and scanned a picture of my government issue id ( drivers license to be exact ) front side, back side and also a selfie of myself. All of that I did while the chime representative was on the phone with me before the representative filed my initial dispute. 

This is not an issue to be taken lightly as there are too many people in the world being victims of identity theft, fraudulent bank account issues such as account hacking etc etc. I JUST HAPPEN TO BE ONE OF THE MANY TARGETED VICTIMS. 

That money I had in my account was all I had to my name. I'm currently XXXX  and the only source of income right now I get is unemployment compensation which is not much if you look at the history of my direct deposits. Those last bit of funds was to be used to pay my cell phone bill, light bill, electricity and not to mention buy some groceries and other household items that's essential. I would not be making a huge issue out of this dispute IF IT WERE TRUE -BUT IT'S NOT THE TRUTH. I DID NOT AUTHENTICATE, ALLOW, PERMIT, or APPROVE this pay anyone transfer. It must have been a couple of months since I last transferred paid out someone and that was just a small amount {$20.00} here {$10.00} there. \ I don't believe this was investigated thoroughly because I got a final determination way too quick less than 24hrs when I initiated this dispute. When I lost my cell phone I had my phone service line turned off or suspended so that if anyone who found it would not be able to use it. Turns out the suspension of that phone line XXXX a person can still access any information if he or she uses Wi-Fi. Therefore whoever hacked into my account and opened the chime app it would've been easy for the PERPETRATOR to get access to my account information such as account #, routing # and take the funds to make believe I Ok it. So in closing to this rebuttal I have to repeat that I don't know the individual XXXX XXXX I would not ever just give someone all what I had left in my account knowing I'm on a tight budget with just unemployment compensation that I get which is not much. I ask you to reconsider your decision and have this transaction thoroughly from the geographical location and also that persons bank where the funds went to. 

Since being a Chime account member not once have I had to contest any expenses or transactions. I lost or dropped misplaced my cell phone beginning in the Month of XX/XX/2023. I looked all over for it and waited a couple of days before reporting my phone lost to my phone carrier in the hopes that a good civilian would turn it in. On XX/XX/XXXX I called my phone carrier and had the line suspended so that calls could not be made nor received. It wasn't until XX/XX/2023 when I got the disturbing email from chime support {$280.00} successfully transferred paid to a person that I don't even know. The feature used is called Pay Anyone which I've never used that feature ever. I have a XXXX XXXX  account I use to receive and or send funds. That amount was all I had left in the account that morning and it was completely wiped out. So I immediately called chime to report the issue and I then also called my phone carrier to have the line totally deactivated and the phone put on blacklist.

The amount of days and times I spent on the phone calling Chime Support back and forth sometimes being on a call for almost 2 hours just to be given gibberish information no matter how many times I pleaded. I didn't even get considered for a temporary credit because the decisions denying me were made well before the investigation timeline..