Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I have reopened my disputes on numerous occasions and Im sick of being denied my money. These unauthorized transactions took place in XXXX. The first transactions was on XX/XX/XXXX for {$820.00} which was made to a XXXX XXXX account. I dont have XXXX XXXX and in order to use XXXX XXXX you have to have an account. I dont have an account and have suggested they reach out to XXXX XXXX to confirm theyve failed to do so. The name also on the XXXX states XXXX My name isnt XXXX nor do I know anyone by that name. The next transactions occurred the very next day XX/XX/XXXX. XXXX of these merchants was able to check her video surveillance and tell me she seen a guy completing a purchase that day at the same time that appeared on my transaction. She also stated it was done using his cellphone, this explains why these transactions were made with that card end in XXXX and not my physical card that I normally use to complete any phone transactions. Also I dont ever just make that many transactions back to back in ONE DAY. There was XXXX transactions made that day. XXXX XXXX XXXX for {$2.00}, XXXX XXXX XXXX XXXX for {$13.00}, XXXX for {$61.00}, XXXX for {$28.00}, XXXX XXXX XXXX  for {$8.00} ( this was the merchant who viewed there surveillance footage ), and XXXX for {$8.00}. Eventually after continuously going back and forth they refunded me for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They stated on XX/XX/XXXX they investigation revealed an error occurred and as a result they credited me back the amount totaling {$51.00}. They didnt refund me for the other XXXX unauthorized charges ( XXXX & XXXX ) but these transactions were ALL made in the SAME EXACT DAY! The very Next day XX/XX/XXXX which is when I received a fraud alert transaction asking did you try to use your Chime card ending XXXX for {$360.00} at XXXX XXXX BALANCE ADD on XX/XX/year>? Reply XXXX or XXXX I replied No Z it stated the transaction was blocked no funds was taken from my account. I received another chime fraud alert right after stating the same thing but this time the card was trying to be used for XXXX. I replied no. This immediately prompted me to login into my scoping to see what was going on because I wasnt trying to make these purchases. At the time thats when I was continuously logged out my account every-time I logged in & learned someone else had to be done got my information. I quickly contacted chime member services and the representative instructed me on how to reset my password from the home versus logging in try to do & being kicked right back out every time. My email even confirmed a New login was detected was picking up XXXX different locations as it stated XXXX XXXX XXXX. These transactions were made in XXXX which is closer to XXXX and confirms the unauthorized transactions no way its possible to be in XXXX and XXXX when these XXXX places is minutes to hours apart! Ive sent in and provided proof on top of proof. Ive called and get threatened because Im constantly being denied my money. Money that I get up and go work for, I have bills that has to be paid, Ive been fighting with this company for months and it has been nothing but a hassle and stress because I know I didnt make these transactions. They dont even review the information if its something theyve already received. One of the dispute representatives told me that. They only review new information but Ive even provided new information. That explains what she stated they arent reviewing it because if they was theyd see everything Ive been stating hasnt changed and theyll see the proof. This is my second complaint on this company and Im tired, Im fed up because theyve took from me hard. Times are hard everything is going up in my price, my money, my dignity, my respect has all been abused by this company. I get up and bust my XXXX to make sure my bill and business is handled and this company allowed this happen and keep refusing me money. If I made these transactions no reason why Id still be trying XXXX to 4 months later to be credited back money. Im settling and not giving up until Im satisfied with the outcome and thats all my money being returned back to me because I know these charges werent authorized nor made by me. The feds have even filed a complaint with you all CFPB regarding XXXX due to them knowing that scams are being conducted using their platform. Also them lying about having customer service representatives and getting peoples information when they arent even legit customer service agents. Not to mention theres also been a complaint filed against Chime XXXX XXXX XXXX. For not properly investigating disputes and not refunding customers their money in a time appropriate manner. All this level documents that can be searched and pulled up. Im requesting that you demand my funds be returned to my account immediately CFPB. If not I will be forced to take higher legal actions against Chime XXXX. & Ill make sure they pay not for only my issue but everyone else as well. This being done to me I know theyve done this to the others and its not fair and yall need to be investigated as well. The fraud department doesnt even have a number where you could talk to a live person like a regular federal bank which I feel is very odd. Also theres never no way to speak to a higher up and they tell blatant lies about not having supervisors and managers. How dont a company have a manger because there has to be someone that hires and fires you. It dont just stop at the customer service representative its people higher and never know way to contact their corporate office as well. You ask them for the information they dont even know it. How are you working for a company and cant provide the information a customer is asking for and yall are over the confidential information.

Company response to consumer: Closed with explanation