Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (ID)

I am writing this in regards to the identity theft and mass amounts of unauthorized transactions that took place on my account with Chime a financial institution under The XXXXXXXX XXXX, that took place on XX/XX/2023 beginning at XXXX when I received a notification stating there has been changes made to my account. I immediately contacted member services at precisely XXXXXXXX XXXX informing them I did not authorize this action. During my hour and forty five minute phone call I was transferred back and forth between multiple representatives meanwhile my account was being compromised with unauthorized transactions starting at XXXX and continuing until my accounts were empty. Totaling XXXX unauthorized transactions all paid out to 3 different aliases on XXXX XXXX resulting in a total loss of {$10000.00}. 

I filed the first dispute on XX/XX/XXXX which I was lead to believe was for the total amount much to my surprise when I called member services to check the status of my dispute and account on XXXX XXXX to find out that dispute number was only covering the first 15 unauthorized transactions totaling {$3300.00}. At this point I had to file 2 new disputes for the remaining charges. Only to receive a email notification on XX/XX/2023 stating after careful review of my account Chime had decided to end their relationship with me, and my account will be closed as of XXXX XXXX. I maintained contact for the next few days hoping to get a resolution before the closure but never received a direct response for what was going to happen to my disputes I filed for the unauthorized transactions in the amount of {$10000.00}. 

I then received notification on XXXX XXXX after the account was closed that my one of the three claims for the unauthorized transactions has been denied. Followed by an another message stating that the second of the three claims in fact was approved for the unauthorized transactions that took place during the call with Chimes member services department. The first claim that was denied was in the amount of {$6700.00} and the second claim Chime approved was for the amount of {$59.00}. That leaves the final claim for the remaining amount of {$3300.00} which I still have not received any updates or outcome on. How can Chime deny the majority of the fraudulent charges and only take responsibility for {$59.00}. Why was my I initial inquiry and disputes not all covered under the same claim number since the phone number used during these unauthorized transactions was the exact same phone number used in the unauthorized transactions in the claim for {$6700.00}. I never received a response on the third claim. Now being extremely disappointed in how Chime has wrongfully handled the situation against regulation E and ETF guidelines leaving me a single mom of two young boys in major distress due to financial fraud. I reached out to my local law enforcement creating a report on XX/XX/XXXX which then lead me now to seeking your help in resolving this matter.