Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hi, I'm filing this formal complaint against Chime Bank as I believe they are involve in fraudulent activity with an online company to take money from my account without my authorization, I'll explain. On XX/XX/year>, Chime allowed a company called XXXX, a company I've never heard of before, never done business with, never placed an with, to take funds from my account for an order I didn't place, in the sum of {$140.00}. I reached out to the bank immediately letting them know it's FRAUD, somehow someone got my card information and used it. The bank told me that that they can't do anything until the transaction is posted to the account. Granted I was traveling on the XXXX of XXXX and I told them that was my money to pay for my luggages and wouldn't be able to do so without the money, so it's a HUGE inconvenience, I need it back ASAP! Needless to say, they told me I had to file a dispute, so I had to borrow money to pay for my luggages because that {$150.00} completely depleted my Chime XXXX XXXX card. A couple days later when the transaction was posted, I filed a dispute and they told me XXXX business days and that in the meantime to contact the merchant to see if they would release the funds. I did contact the merchant 's billing department and they told me since they are unable to find an account for me and I didn't place an order, they would cancel the fraudulent order and because I started the dispute with Chime, they have to be the ones to contact anthropologie.com to have the funds release back to my account, the same day, XX/XX/XXXX, I called Chime to let them know what the merchant said, it's as simple as giving the merchant a call to have this resolved and they still haven't reached out to the merchant as yet, today makes XXXX  days since they claim they are investigating, this is not a murder case, it's a fraudulent charge, why if I told you so many days ago what the merchant said, you still haven't gotten in touch with them nor have I received any updates in regards to what you're doing or what's going on, I have to be wondering??? I called and told them multiple times that I need that money back into my account ASAP, because of their negligence they have inconvenienced me, my bills are piling up and I have people to repay for money I had to borrow, so it's IMPORTANT that I get it back in that XXXX  day time span you gave me, not XXXX months time on XX/XX/XXXX, THAT IS JUST RIDICULOUS!!!! They are the ones at fault, I trusted the bank to protect my money, they saw that I've never done business with that merchant before, they block legitimate transactions before, they sent a fraudulent text alert for XXXX cents, so why not {$150.00}, I had no way to know that these people got a hold of my card information and used it, I couldn't stop it, they could, they are the freaking bank! You have the power to stop/block this transaction and they didn't, they put it through on my card, so they must be working with these people to commit fraud on my card. I NEED MY MONEY BACK ASAP TO TAKE CARE OF MY FINANCIAL OBLIGATIONS!!!! I'M NOT WAITING UNTIL XX/XX/XXXX ON ANY RESOLUTION WHEN THE RESOLUTION IS ALREADY THERE AND THERE SHOULD BE NO OTHER RESOLUTION THAN TO PUT MY MONEY BACK IN MY ACCOUNT, IT'S AS SIMPLE AS SPEAKING TO THE MERCHANT IN A DAY TO GET MY MONEY BACK TO MY ACCOUNT! THEY HAVE BEEN RUDE AND DISMISSIVE AND HAD SUPERVISOR DISCONNECT CALLS ON ME BECAUSE THEY DON'T WANT TO SPEAK TO ME REGARDING MY HARD EARNED MONEY! I'VE DONE DISPUTES WITH OTHER FINANCIAL INSTITUTIONS WHO'VE ALSO GIVEN ME PROVISIONAL CREDIT WHILE THE INVESTIGATION IS ONGOING. CHIME IS AN UNSCRUPULOUS BANK, THEY ARE NO GOOD!!!! : THEY ARE A BUNCH OF FRAUDS, FROM THE TOP TO THE BOTTOM! I AM GOING TO SEEK LEGAL ADVICE AND TAKE LEGAL ACTION AGAINST THEM AS WELL IF I DON'T GET MY MONEY ASAP!!! THEY ARE UTTERLY RIDICULOUS AND THIS IS UNFAIR PRACTICES, I'M THE CUSTOMER, THEIR OBLIGATION IS TO ME, SO DON'T ACT AS IF YOU DON'T WANT TO SPEAK TO ME ABOUT MY MONEY!!!!!

Company response to consumer: Closed with explanation