Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
On XX/XX/2024, I noticed unauthorized charges on my Chime checking account. I filed a dispute for 4 different charges. These are the charges. 
XXXX XXXX XXXX {$47.00} {$26.00} XXXX XXXX  {$41.00} XXXX XXXX XXXX XXXX  {$39.00}. 
Within two hours they denied the dispute. I requested proof of their investigation and 30 days later still had not received anything. 
Since that date I have filed 3 rebuttals, sent in documentation that they requested and requested the proof of investigation each time, and still have not received anything. 
The last rebuttal was made on XX/XX/2024, in less than one hour the rebuttal was denied. 
I have also demanded an email or even an address of somewhere I can send a complaint and they have downright refused to give to me. 

I did not authorize these said transactions, and can get no where with their dispute department. Its like a merry go round nightmare. Im feel like they are hoping that I will finally just give up. However that is not the case. 

I also sent this in with the documentation, Subject : Formal Complaint Regarding Disputed Transactions and Lack of Response Dear Chime Support Team, I hope this message finds you well. I am writing to formally address a series of ongoing issues regarding disputed transactions on my Chime account. Despite multiple attempts to resolve these matters through your customer support channels, I have not received satisfactory responses or resolutions.I have diligently followed your procedures by submitting documentation and following the specified links provided in your emails. However, I continue to encounter difficulties as the emails bounce back with an " unable to deliver '' notification. This has made it nearly impossible for me to provide the necessary evidence to support my claims that I did not authorize these transactions.Furthermore, I have reached out to your support team numerous times to request information about the investigation processes and the findings of your investigations into these disputed transactions. Unfortunately, I have not received any substantive information or updates regarding these inquiries.As a result of these unresolved issues and the lack of communication from your end, I have decided to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and intervention. I believe that this step is necessary to ensure transparency, accountability, and a fair resolution to the disputed transactions on my account.I kindly request that you take immediate action to address these concerns and provide me with the necessary documentation and information regarding the disputed transactions and your investigation processes.I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution.Sincerely, XXXX  I have also attached what is said on Chimes website about unauthorized charges. 
XXXX XXXX XXXX. 
Shop worry-free at millions of merchants. Chime debit cards are protected by the XXXX XXXX XXXX Policy to ensure that cardholders will not be responsible for unauthorized charges.

Company response to consumer: Closed with explanation