Consumer complaint received 2026-05-05 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:
On XXXX XXXX XXXX a deposit of {$8000.00} was made into my account. Within hours, unauthorized transactions began. On XXXX XXXX XXXX unauthorized charges included : XXXX XXXX XXXX XXXX XXXX XXXX : {$30.00} and {$42.00} - ( food delivery, no response ) XXXX XXXX XXXX XXXX XXXX XXXX : {$34.00} and {$37.00} - ( food delivery, no response ) On XXXX XXXX XXXX, additional transactions occurred across multiple merchants, including : XXXX ( multiple XXXX locations ) : {$30.00} ( XXXX ), {$33.00} ( XXXX ), {$32.00} ( XXXX XXXX ), {$36.00} ( XXXX ), and {$38.00} ( XXXX ) - ( food delivery - all refunded except XXXX XXXX XXXX XXXXXXXX ) XXXX : {$4.00}, {$14.00}, {$32.00}, and {$37.00} - ( Unable to locate merchant info/scam site ) XXXX XXXX ( XXXX online order ) : {$25.00} ( XXXXXXXX ), {$36.00} ( XXXX ), {$50.00} ( XXXXXXXX ), {$100.00} ( XXXXXXXX ), and {$28.00} ( XXXX )- ( Emailed twice/no response ) Depop : {$42.00}, {$50.00}, {$51.00}, {$78.00}, and {$86.00} ( Responded /refunded directly ) XXXX : {$15.00}, {$15.00}, {$95.00}, {$200.00}, {$200.00}, and {$250.00} - ( Responded, merchant advised to re-dispute ) XXXX : {$84.00} and {$200.00} - ( No response ) XXXX XXXX ( subscription ) : {$20.00} ( No response ) XXXX : {$130.00}, {$140.00}, and {$290.00} ( fraud detection/ auto refund ) XXXX XXXX : {$72.00}, {$44.00} ( fraud detection/ auto refund ) XXXX XXXX XXXX {$150.00} ( fraud detection/ auto refund ) XXXX XXXX ( XXXXXXXX XXXX ) : {$57.00} - ( No response ) On XX/XX/scrub>XXXX XXXX XXXX, additional transactions included : XXXX XXXX XXXX ( XXXX transaction ) : {$120.00} ( Unable to locate merchant info ) XXXX : {$120.00} ( refund ) XXXX XXXX : {$110.00} ( refund ) XXXX : {$13.00} and {$200.00} - ( Responded, merchant advised to re-dispute ) XXXX XXXX {$2.00} ( no response ) On XXXX XXXX XXXX, additional charges included : Rebelstork : {$100.00} and {$21.00} - ( Responded, merchant advised to re-dispute ) Between XXXX XXXX XXXX, total purchases reached approximately {$6700.00} across 20+ merchants. I confirmed that XXXX XXXX transactions and XXXX XXXX transfers were mine, but the remaining transactions listed above were unauthorized. At the time of these transactions, I was located in XXXX XXXX XXXXXXXX XXXX, while many charges occurred in XXXX and other states. On XXXX XXXX XXXX, I reported the fraud to Chime Financial and : Filed five disputes Canceled my card Filed a police report Contacted merchants directly Merchant responses varied : Some merchants ( e.g., XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ) identified fraud and issued refunds Some merchants ( e.g., XXXX ) advised me to re-dispute with my bank Some merchants ( including XXXX XXXX XXXX XXXX XXXX ) did not respond at all For XXXX, some locations refunded after several days, while others never responded, even after follow-up Additionally, XXXX appears to be a non-legitimate or scam website, and no merchant response was obtained. Despite this, my bank denied my disputes within approximately two days, stating that merchants refused to return the funds. Given that these transactions involved 20+ merchants, this timeline is inconsistent with actual merchant response times, which ranged from several days to no response at all. It is unclear how a full investigation or merchant verification could have been completed in that timeframe. The bank also advised me to contact merchants directly for refunds, which contradicts their claim that merchants had already declined the disputes. I also identified discrepancies in transaction data. For example, the XXXX XXXX XXXX XXXX transaction ( {$120.00} on XXXX XXXX XXXX ) shows mismatched location details ( XXXX, XXXX XXXX ) in my account. However, the XXXX receipt shows different address details and includes a product description ( XXXX items ) that I did not purchase. I submitted supporting evidence, including : Location data confirming I was in XXXX at the time Invoices/order confirmations showing items shipped to different individuals and addresses in other states Evidence of no prior transaction history with these merchants Despite this, my disputes were denied without explanation of how this evidence was evaluated.

Company response to consumer: Closed with explanation