Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX around XXXX in the morning I was moving into my new apartment from a different city I came upstairs and I noticed that the police are outside with a tow truck driver, apparently there was some kind of car show going on and they were going to tell my car I went out there to police said fine just play a drop charge and it's fine Don't worry about it they won't tow. Through the state mandate In XXXX a drop fee is the maximum of {$100.00}. I agree to {$100.00} even though I thought it was excessive I handed on my card he didn't know I had my phone on me he ran my card I got an instant alert for my fraud protection unshime he charged me {$260.00}.. I asked them to reverse it He's arguing me I called chime up they have me on recording trying to put a stop on the payment, they hear me arguing with the guy back and forth He's telling me to call his boss this and that so that's one aspect of it they told me they can not put a stop to my charge I said what is the purpose for real-time texting for real-time fraud alert they said I have to let the charge go through then I could dispute it. What you mean no sense to me and I argued back and forth stating that. I went into a charge went through I also prior to that tried calling the tow truck company to talk to the owner but the same guy answer the phone and cursed me out. When I was putting a dispute in I figured everything was said and done because they heard me argue and I put a stop on her I tried to everything was already recorded there's no way to even dispute this on their end of it, first they thought they're going to return my money immediately and then do the investigation and then give me the paperwork, I also provided the receipt which was illegal for the guy to do because on a receipt also by state mandate he has to have an itemized list for any work he does anything that was involved that has to be itemized this receipt had nothing on but in parentheses custom amount which is also not legal in XXXX  because certain laws and regulations we're put in a place because of predatory tow truck drivers and agencies. So that's number XXXX fact that I present it number XXXX is the police I called the police the police will not turn over a report to me and it's understandable because anybody can get the report put in their computer change facts or whatever My instructions were from the chief of police have chime bank call the police station or email and they will turn over the full report to them. Chime says they will not do that and it's not my their problem it's against their policy if I can't get a police report there's nothing they could do. That was in her final report. Also on that final report it states that there was no wrong doing and there was no errors on my account. I called up I was on the phone with them XXXX times arguing with them what do you mean no errors I called you in real time you have it on recording me arguing with the tow truck driver I was trying to stop the payment immediately and there's a couple factors I'm arguing number XXXX they have the receipt which is not legal and that's fine they don't want to take that it's okay, there's the recording in the arguing with the tow truck driver while I'm on the phone with trying they're telling me in real time they can not stop it they hear the guy in the background arguing and insured me on that phone call that as soon as it goes through to call them up then I could dispute it then I'll get my money back. Also there's a state mandate and how much they can charge for a drop and it's maximum of {$100.00} and most places it's XXXX to XXXX and that's to prevent predatory dealings. I told him I want that thing changed from air to fraud or theft which it is because I was told XXXX amount I agreed to XXXX amount and he charged me XXXX and a half times more than he agreed him out. So he charged me {$260.00}. I find it crazy and unbelievable that they're telling me there's no errors or whatever and they're telling me that this is not a fraud they told me because I knew the guy and I disputed I don't know the guy he's a random truck driver I never met then they said because I handed over my car to this guy and I let him charge it That's why it's in there I didn't agree to charge a {$260.00} I agreed the charge a XXXX which in my mind and according to police and state law that is a fraud It could be access device for it too depending on how they look at it because he scanned it on his phone through that kind of credit card reader the police have to look at the exactly what the charges could be. Now I have a standstill with filing through police report because I need proof for my bank which would be chime that this happened now they're telling me there did not happen so now I can't even file a police report or I should say fall through with my police report because I started it but I can't finish until they have proof for my bank that that was with was charged and it was a fraudulent markup or whatever you want to call it. So not only are they not getting my money back they're putting me in a position I can't even file charges against the thief I should have got my money back to begin with when I called and reported I should had it stopped they said there's no way to do that and my question is what is the purpose of real-time theft protection on my account,? Also what is the point of this place being FDIC insured or any kind of insurance to OCC 's covering them through insurance what there's no checks and balances here The way I'm seeing it is they'll turn down a XXXX claims out of a XXXX maybe XXXX person will fight at that so we have to pay off they're playing the odds they get to keep this money or not responsible which is not fair. And why is it fair for them to pay the thief off while I'm standing in front of him and I'm telling him this is illegal Don't do this and chime is listening at the same time and they're saying it just wait until it goes through and they will give my money back and all of a sudden they did it " full '' investigation. I want to know how it's a full investigation if they didn't call my witness that was there I left The phone number of a friend that was there that also witnessed that happened in real time that was standing next to me they never called her they never called the police they have my proof which they're not using what investigation did they conduct who did they call why didn't they call my witnesses this is not a full investigation?? Like I said they won't even change it from error to fraud because they said it's not a fraud which it is a fraud. I XXXX  it online I looked all over the forms and that and it seems like they do this to absolutely everybody and I know over the years that I had some disputes and they were all denied and I ended up getting the money after all of them after I had a fight and fight and fight for this and that police call them and everything or whatever had a lawyer call them I end up getting my money in the end but I had to fight a tooth and nail to get my money back and that's not fair from a financial institution who's backed by the a XXXX government agency XXXX way or another.. 

P.S. I forgot to mention it took them literally 2 days to do this full investigation and XXXX of those days was a XXXX  when business 's are closed and owners or supervisors and even the police XXXX are not in the office. So they claim to do this thorough investigation on what happened in 1 day and called or contacted noone I have a a witness or the actually chief of police locally. 

Attached is the receipt from the company, it shows the charge, which also is not itemized and says custom changed which is not only against XXXX  's laws for tow company 's, but it also should show that he changed the fee from what I agreeded to pay, which is the state XXXX of {$100.00}. I also didn't get to see what he charged due to he ran it fast

Company response to consumer: Closed with explanation