Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
First of all the only supporting documents that have been sent to multiple times and was XXXX page that had a list of transactions being disputed and a sentence stating that this email has all the documents and copy 's of any supporting evince that they used to make there final decision to deny my claim. So I called at least XXXX times ask over and over fpr assistance to resolve this matter and to do so in a timely manner since all my money was stolen out of my XXXX accounts that I had with my bank chime and know I was facing eviction do to my failure to pay the rent for my home. And at least 4 times they ended up after another month went by or longer sending me the same supporting documents that they used to make there decision. And it had no evidence support any thing they did. They made there decision based on the unauthorized transactions that I reported and that is all. This is clearly negligence on there investigation team since that is not the definition of an investigation and an ethical decision could not have been made wirh this evidence only. This is just XXXX of the XXXX violations of the FCBA law that they have committed and they are still in at least XXXX federal laws that are in place to safe guard cunsomer like me the account holder from such actions. I have notifed them on a daily bases of the damages that there I'll practices are causing XXXX mot just me but my entire family that is suffering and since I have informed them every day of these violof tge law and violation of my rights And they have done nothing to correct there mistakes but have done the opposite and causing more damages to my family and my family suffer from illness like my wife who has XXXX and this has caused not only her physical health to take a turn for the worst but her mental health has declined rapidly. My some has XXXX and is also XXXX rapidly. These actions are being done with a purpose and are done knowingly. This makes there actions malicious and know have become criminal acts no longer just civil matters. When some one was able to breach chimes security procedures and access my account these criminals had total access to both the accounts I held with chime and made extremely suspicious transactions that should have never been authorized I'm the first place. It is the responsibility of chimes security team to have the ability to see suspicious activities on an account holders account. Do to the fact that never before was there any activity on my account or any similar spending ever recorded on my account before these unauthorized transactions or since. Do the criminals that illegal access my account and do to there are no safe guards in place to prevent su ch criminals from access not just XXXX of my accounts bit all my accounts and do so with out ever having my credit card or debit card. They probably didn't even have to leave there home. The fact that there were extremely suspicious activities going like XXXX transactions for XXXX XXXX XXXX done in a matter of XXXX mins should have been falged immediately and the account holder me should have been notifed and this would have eliminated most if not all these transactions from going through and the chime bacnk losing all my money to these criminals but they did these burst transactions like that around 6 times totalling a few XXXX XXXX each time and since these standard security measures were nit followed the crimanls were able to take all my funds from both my accounts. All unauthorized transactions were made to XXXX merchant amd since the bank failed to pick on all these red flags puts chine liable for all funds that were stolen from my account. When I noticed that all my money was gone I contact chime immediately. I requested a dispute be open with out any delay only a week and a half after these transactions were made. Then chime dropped the ball again when there investigation team reviewed the XXXX disputes that were filed in conjunction with each and after reviewing all possible evidence supporting my dispute and all evidence that they gathered came to the an outcome that was the XXXX outcome that was impossible to tpncome to. They made the decision to grant my dispute for XXXX of my accounts and denied my dispute on the other account. After you review my statements and all evidence that I have provided there belief of what happen does like this, they believe that some did illegally access my accounts and make unauthorized transactions but only did this with XXXX of the accounts that had been breached and the other account was nit an error or a criminal act but instead was me and I did this at the same time the criminals were making purchases to a merchant that I never did business with ever in the past or to present time. I made the same type of transaction with same merchant the criminals were using at the same time they were doing it and as I stated I also only made purchases to XXXX merchant. XXXX Chimes investigation team came up with that resolution to grant my dispute for the XXXX account and denied my dispute on the other one that were filed tighter. Do to the erratic behavior that chimes investigation team must be dismantled drug tested and fired. Then they should be brought up on criminals charges, and finally sent to prison or a mental health hospital to get help the help they must need tthey have demonstrate in this matter. A new team would have to be trained unlike the team that took on my claim. It is clear that chime has no intentions on resolving this matter any were in the near future and has no intention on correcting there mistakes. At this time I request that all parties in this matter take legal notice that me tge accou t holder in this case has went above and beyond trying to resolve thisbmatter and that all possible avenues have been exhausted. At this time chimes legal department is being put on notice that I have been left with no choice but escalate my claim in the civil court system to be able to recover any of the funds that I have lost. I will also be seeking companion for all the damages that there violations of federal Law caused to me and my family. Chine has XXXX hours to refund all money stolen from my chime accounts and provide a very generous financial compensation funds for what they have done to me and my family. If chime does meet are demands then all legal civil and crimanl will be dropped by me and my representatives and will do so with prejudice.. Chime is the only party that can resolve this matter and save my family from any more torture the are. Committing on us

Company response to consumer: Closed with non-monetary relief