Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
Subject : Unresolved Dispute with Chime Your Name : XXXX XXXX XXXX Your Contact Information : XXXX ( XXXX ) XXXX XXXX Transaction Dates : XX/XX/XXXX Through XX/XX/XXXX Total Amount : {$1500.00} total Description of the Issue : On XX/XX/XXXX, my phone was lost/stolen during a weekend stay at " XXXX XXXX XXXX XXXX XXXX  '' for a wedding party. During the time frame it was missing, several unauthorized transactions totaling {$1500.00} were made using my XXXX XXXX XXXX that at the time also had my Chime debit card linked to it for depositing/ moving money between accounts. All of these funds were spent at XXXX online gambling app. Within HOURS... The spending was back to back, hundreds at a time. Neither XXXX, chime, or XXXX flagged it as suspicious for whatever reason ... even though my XXXX year deposit history with them shows ONLY small transactions, depositing {$25.00} or less, days or even weeks apart, at times. There was several failed attempts of the perp trying to withdrawal funds from XXXX to several different prepaid debit cards, to no avail! This is due to their strict policies on the withdraw of any funds only being allowed to be deposited into an account or card that matches the name and address exactly to that of the account holder at each individual casino. Thank XXXX!!! 

XXXX XXXX XXXX XXXX Due to licensing and state laws and regulations regarding online gambling, it very clearly states that when a customer is within the boundaries or surrounding areas of any casino property, geofencing must be set in place to prevent any member / customer from accessing any gambling features whatsoever of another casino. As they are not affiliated with XXXX another and it creates a negative impact on their gameplay at the casino they are physically at... Not XXXX cent of my money should have been approved for deposit at betmgm, whilst my phones location clearly showed me physically on the grounds of a competing casino. Not once did my phone ever leave that location. It was literally connected to the wifi at XXXX!!! XXXX violated their own rules and regulations set forth by Federal and State laws. They broke their own terms and conditions in allowing this to occur. I provided XXXX and chime, both, with all of this evidence... Yet, my disputes were denied shortly after I submitted them. I was provided with no real explanation as to why and no documentation of any investigative work on their end, despite my best efforts to obtain them. XXXX XXXX XXXX XXXX I promptly filed disputes with XXXX XXXX immediately upon recovering my phone. While a few transactions were refunded, many were denied despite providing substantial evidence, including receipts, location proof, geofencing laws and regulations proving the transactions should not have even been made possible during this time, by law. As well as tons of screen shots, emails and any other relative proof of all the transactions being unauthorized transactions. Since XXXX will only allow you to appeal XXXX time, I was advised to dispute the transactions directly from where the money was initially deposited into my XXXX from. Hence, Chime... 


Resolution Sought : I am seeking assistance to recover the remaining funds of {$1500.00} and to ensure Chime revisits their decision in view of the mountain of evidence provided. 

Thank you so very much for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation