Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
b"Hello, my name is XXXX XXXX XXXX I have an account with CHIME online banking. I started the account to have my disability checks set up for direct deposit. Everything was fine until XXXX XXXX XXXX. On XXXX XXXX XXXX. I went to XXXX  to pick up a few things and right after I checked out on self-checkout register, waiting for my receipt to print my wallet was stolen off the top of my purse. I had the straps of my purse in my hand holding onto my cart and turned my head to wait for the receipt, I grabbed it and went straight to my vehicle got in and went straight home. I did not realize that my wallet was missing for approximately XXXX  min or so. My phone was pretty much dead when I got home so I put it on charge and a few min later my notifications started going off so I grabbed my phone and seen a bunch of transactions being made and trying to be made on my accounts. I ran and checked my purse, and my wallet was in fact gone. I started trying to lock everything down and I went to the last store that I had gotten a notification from and I asked if anyone had just came in trying to use cards that got declined and was told yes that it was a black man in his mid XXXX's and I asked if their store cameras were recording. The employees stated that they were and i advised them that I was headed to the XXXX  Police Dept. to file a report and that someone would be contacting them for video. The suspect that stole my wallet used it at XXXX  in XXXX, Fl. The unauthorized charge to my Chime card was XXXX on XXXX XXXX XXXX @ XXXX. After speaking to Chime rep and notifying them that my wallet with debit card in it was stolen and they put in to reissue me a new card. I have disputed the charge, DISPUTE: XXXX on XXXX and Chime denied my dispute on XXXX. I called them and talked to several people and redisputed the charge of XXXX from XXXX again DISPUTE: XXXX disputed on XXXX and again denied on XXXX. I again called spoke to reps and filled a dispute for the XXXX time DISPUTE: XXXX XXXX  and denied again XXXX. I am supposed to be protected under the XXXX  zero liability policy and Chime has not honored that. I have sent police report number, Detective name and contact info., I have provided the police incident report, I have provided proof of having to reorder my social security card as well as other personal cards. This has caused a financial hardship for me and my XXXX XXXX children. They have been provided more than enough evidence to prove my wallet was stolen but they don't want to honor the XXXX  zero liability policy that they advertise. I have given them more than enough time to do the right thing. I don't know where else to turn for help. I am on XXXX and have XXXX XXXX XXXX  kids to support and care for so losing XXXX is a huge amount of money to lose due to someone stealing my wallet and taking money that they had no rights to. I don't have the money to pay an attorney, so I am asking for help in getting my money back. I can provide you the same documents that i provided Chime. \nThank You for your time and consideration.\nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX  FL XXXX\XXXX  Police Dept Case# XXXX\nDetective XXXX XXXXnChime Acct# XXXX"

Company response to consumer: Closed with monetary relief