Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
XXXX XXXX XXXX my debit card was declined for insufficient funds. I had only used it once earlier that day when i was in XXXX XXXX I returned home in XXXX XXXX within the hour after using it, and had not left home. Both the transaction from that morning and the declined transaction were in app purchases. I discovered my account was overdrawn -XXXX.  Total amount of funds missing from my account is XXXX. I immediately contacted Chime customer support to report the unauthorized transactions, XXXX XXXX XXXX transactions for XXXX made at XXXX transactions for XXXX  made at XXXX, XXXX XXXX for XXXX  made at XXXX  and XXXX XXXX made for XXXX  made at XXXX at a XXXX  convenience store in XXXX, Ky XXXX XXXX XXXX XXXX XXXX from XXXX, KY. And was in TN, XXXX XXXX prior to the first transaction that was made that day..\n\nI called customer service, and was told i could do nothing until the transactions went through and was no longer pending. XXXX  morning, XXXX, all but XXXX had went through, so i called and filed the disputes on XXXX XXXX XXXX XXXX transactions. I was asked a series of questions about my card or phone being stolen, to which i said no, both were and still remain in my possession. I stressed i had not been in XXXX, or at a XXXX, and that these were all fraudulent  charges...and all my money is gone. The remainder of my paycheck for the next XXXX XXXX is gone. My credit card payments scheduled to be paid have been declined. Every subscription has been declined..\nI froze the debit card immediately before making the first call that XXXX..\nAs of this morning, the last transaction, XXXX is still pending to my account and i can\'t dispute it. \nAll XXXX disputed transactions were denied yesterday. Furious, i immediately called Chime again...question how they could deny my claims when they could see i wasn\'t making  charges in XXXX, because i was in TN that morning, and XXXX  the remainder of the day?\nA rebuttal has been filed and they are "re-investigating". No temporary credit has been given to me on my account.  No help has been given to me by Chime and their XXXX liability fraud claim.  I have been a Chime member for many years, and have never been treated like this.  \nThey want proof, documents...\nBest i could provide was a screenshot of my XXXX  map timeline of my location on the day of the unauthorized transactions. I submitted them via Chime app. I had logged into my account via chrome browser yesterday and received an email from Chime questioning the unrecognizable log in, stating it was made near XXXX, Ky.  I was at work,  in XXXX, Ky at the time i logged in. I sent that screenshot to chime as well showing them the inaccuracies of their location detection on me.  I also sent them a screenshot of my realtime location on Maps and the distance from where i am and was the day of the  transactions. \nIts very obvious that i wasn\'t depleting my own bank account at a gas station, over a span of XXXX XXXX XXXX transactions, XXXX of which are duplicate amounts, and XXXX  that i cant even dispute because its STILL  pending. \nChimes reluctance to protect my account, uphold their own policies and promises seem criminal to me, yet they treat me as if i am the one attempting to defraud them..\nI have been in contact with Chime XXXX different times about this matter. I offered the reference number i was given by a representative that Saturday to the representative i spoke to yesterday, and was told it wasnt important.  That number proves, to me anyway, that i reported these unauthorized transactions the day they happened. \nXXXX Reference number XXXX XXXX XXXXThis is information that Chime emailed me in the denial:\nClaim ID: XXXXDispute Type: Debit - Unauthorized Transaction\nDate Error ReportedXXXX XXXXClaim Amount: XXXXSo many inaccuracies.  \nMy rebuttal is still pending.'

Company response to consumer: Closed with monetary relief