Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was on an international vacation from XX/XX/year> to XX/XX/year> and upon returning home I found that my Chime card was missing which led me to discover a number of fraudulent charges that were made using my card. I immediately canceled my card and then I contacted the merchant directly to provide them with the details of the transactions so they could identity them. The merchant informed me that they were able to confirm that an individual used my card with their merchant account however due to their company policy they couldnt provide me with that individuals information. I then filed a police report in relation to the theft an subsequent fraudulent use of my Chime card. Next I filed a dispute with Chime and listed each of the fraudulent charges that were made using my card while I was in XXXX on vacation. Some of the numerous supporting documents that I uploaded to validate my claim included the police report, copies of my flight boarding passes to and from XXXX which by themselves prove that I was in fact unable to make the charges in question because Chime cards do not work internationally and also copies of my correspondence with the merchants customer support department. Despite the ample evidence that I was able to provide, I received an email less than 24 hours after filing the dispute informing me that Chime had found no error occurred and therefore denied my dispute. Unsure how to proceed at this point but knowing that I wasnt going to just give up when the charges that I am disputing were in fact made by someone else without my knowledge or consent, I decided to file a XXXX  complaint detailing the issue. Less than 3 hours of filing the XXXX  complaint I received another email from Chime, this time informing me that my Chime account had been scheduled for closure on XX/XX/year>, 3 days from the date that I received notice on. Considering the order in which things progressed beginning with the denial of my initial claim and the filing of my XXXX  complaint which was immediately followed by the account closure email that I received its blatantly obvious that the closure of my account is in retaliation for filing the XXXX  complaint because aside from the theft an unauthorized use of my Chime card there is certainly nothing in my account that could even be misconstrued as having broken the Chime Service Agreement in any way. So to have had my Chime card stolen and used to make nearly {$2600.00} in fraudulent charges only to have my dispute denied despite providing ample evidence in support and shortly after basically saying that I have no right to pursue a claim for funds that were clearly stolen from my account but if I do then I will be silenced through the forced closure of my Chime account. I am writing this complaint simply to take all suggested steps but I am actively seeking a lawyer to represent me in arbitration against Chime because based on the facts of the matter Im confident that it will be proven that Chime acted extremely unfairly in this situation by not only denying my dispute involving numerous clearly fraudulent charges but also by marking my Chime account for closure in response to the filing of my XXXX  complaint.

Company response to consumer: Closed with explanation