Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
Hi, I am writing to formally lodge a complaint against Chime Bank regarding the mishandling of a chargeback claim I recently submitted My claim number is XXXX. 
I have been a loyal customer of Chime Bank for several years and have never previously filed any claims. However, my recent experience with the bank has raised serious concerns about their practices and commitment to resolving customer issues fairly and accurately. 

On XX/XX/year>, I filed a chargeback claim with Chime Bank for several unauthorized transactions that were unauthorized. XX/XX/XXXX next day To my dismay, my claim was automatically denied without a thorough investigation. It appears that Chime Banks practices prioritize closing cases quickly rather than ensuring that they are handled correctly and justly. 

I am now at a loss of {$520.00} which has caused significant emotional distress. I am heartbroken, depressed, and stressed because the money I worked hard for has vanished, and the bank appears unwilling to address the issue. Chime Banks approach seems more focused on conveniently closing cases rather than investigating them thoroughly, leaving loyal customers with nothing but a loss of money and trust in banking institutions. 

Here is the breakdown amounts and dates of the unauthorized charges made on my account **Thursday, XXXX XXXX XXXX : - {$8.00} - XXXX XXXX XXXX : - {$2.00} - XXXX : - {$40.00} - XXXX : XXXX {$5.00} - XXXX XXXX XXXX : - {$110.00} **Friday, XXXX XXXX- XXXX : - {$26.00} - XXXX XXXX : - {$11.00} - XXXX XXXX XXXXXXXX XXXX : - {$95.00} - XXXX : - {$40.00} - XXXX XXXX XXXX : - {$9.00} - XXXX XXXX : - {$87.00} **Saturday, XXXX XXXX - XXXX XXXX : - {$1.00} XXXX XXXX XXXX : - {$20.00} - XXXX  : - {$13.00} - XXXX XXXX XXXX : - {$20.00} The total amount of charges that were deducted is {$520.00}. 

I would like to outline the following points regarding my claim : 1. I believe my claim should be honored because the disputed transactions were unauthorized, and I have a consistent history of responsible account management.

2. The card was not in my possession when the fraudulent transactions occurred.

3. My card has been lost, and I suspect my card information may have been obtained through a data breach or online security compromise.

4. I have never allowed anyone else to use my card.

5. I did not receive any merchandise from the merchant in question.

6. I did not authorize or participate in the disputed charges ; they were made without my consent.

I provided all necessary documentation and evidence to support my claim, yet it seems that Chime Bank dismissed it without proper consideration. This lack of diligence is troubling, especially for a financial institution that should be dedicated to protecting its customers ' interests. 

I am requesting that the CFPB review Chime Banks handling of my chargeback claim and investigate their overall practices in dealing with such claims. It is crucial for customers to have confidence that their bank will thoroughly and fairly address any issues that arise. Chime Bank 's current approach undermines this trust and fails to provide the level of service that customers deserve. 

I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my claim is properly reviewed and that Chime Banks practices are held to the high standards expected of FDIC-insured institutions. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation