Consumer complaint received 2025-11-22 00:00:00
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
State: CA

Complaint narrative:
On the evening of XX/XX/XXXX I went to the XXXX gas station and used my debit card with pin as I have always done. After I returned home I noticed a transaction from XXXX that I did not make in the amount of {$40.00} XXXX proceeded to go t o XXXX to inquire about the extra purchase that I did not authorise. at that time the cashier showed me a receipt that candy and XXXX cigarettes were purchased with my card using my card as a credit transaction with someone signing my name while speaking with the merchant as I was showing him my chime app showing the un authorised transaction someone was again using my card charging a additional {$100.00} I Immediately froze my card and contacted Chime. I described to chime the situation with my card being stolen and used illegally they informed me that I could not dispute those items until it was no longer pending. I called back on XX/XX/XXXX when account showed as cleared and told chime once again about the illegal transactions as they told me to dispute. They proceeded to act as if they investigated this dispute but did nothing but deny my claim even after telling them to look at my account and card history that I never used this card as a credit card always used my pin. In fact I did not even have knowledge that my card could be used as a credit transaction at all especially with no I.d . and fake signature. I then filed a police report and tried to get receipts from XXXX to resubmit dispute XXXX could not provide the receipts anymore due to only having access to XXXX transactions and it was XX/XX/XXXX. I uploaded the police report called chime and was told my dispute was being escalated and they did not know why my claim was being denied because I provided all the documentation and they would reopen my dispute. I patiently waited and herd nothing from chime via Chime App phone or e-mail. I called Chime once again regarding my dispute and was told that my dispute was never reopened. I got confirmation on App and e-mail that my dispute was open against only later find that my dispute was once again denied. Chime has done nothing to resolve this fraud or protect my money that I desperately I am on a budget barely surviving with 3 children and myself to provide for. This is a shame that I have been using chime for years with direct deposit as well and they provide me with no protection efforts or resolution for this fraud If this doesn't get resolved now. I will be going taking his to small claims court seeking legal fees as well as financial distress along with my financial emotional hardships.All I was asking for is justice and protection from my bank that I have been loyal to to only receive nothing but no support or protection .I can easily take my money elsewhere there are many other banks that would love to have my consistent direct deposit that will actual care about there customers Merchant name Date & Time Status Type Amount XXXX XX/XX/XXXX XXXX XXXX  PDT Settled Merchant Debit {$40.00} XXXX XX/XX/XXXX XXXX XXXX  PDT Settled Merchant Debit {$100.00}

Company response to consumer: Closed with explanation