Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I got gas at a gas station I have never been to because my regular one was closed to replace the pumps. I usually never put my card in anywhere but I had to at this gas station and I think there was maybe a skimmer on the pump I used because not even XXXX hours later at XXXX XXXX  while I slept an unauthorized purchase for {$290.00} was made to XXXX. When I woke up there was a notification from Chime asking if I had made this transaction. I replied " no '' and it said ok you won't be charged for this. The transaction sat on my account until XXXX  when it finally processed. The money came out of my account so I disputed the charge with the bank and they denied it the next morning. I then contacted Chime to see what I had to do to prove I didn't make the transaction and they told me to contact the merchant and submit a rebuttal to my dispute. I did contact the merchant but it was XXXX  and I was only able to talk to a technical support person who said that XXXX works through medical supply companies and retailers so they wouldn't be able to help because they never take payment information from anyone. I gave this info to Chime and they denied my rebuttal. I submitted for another rebuttal to my dispute. I called XXXX again and talked to someone at customer service on XXXX  the XXXX and he asked how much the transaction was for and I told him it was {$290.00} to which he referred me to XXXX by XXXX saying that XXXX sells a product that is exactly that amount. I contacted XXXX and asked them what I could do or if there was any way they could help me since I'm not a patient. They said I should dispute it with my bank and I told them I have but the bank doesn't believe me so they gave me the info to prove I'm not a patient and have no orders or account with them. I provided Chime with this info and they denied my rebuttal again. I called Chime on the XXXX and asked if I could find out why I was being denied and what additional info I could provide to prove I didn't make the transaction. After being transferred XXXX  times I spoke to a XXXX in the dispute dept who told me that he couldn't even see why the claim was denied and that I needed to submit additional info to do another rebuttal. I told him I've done a rebuttal XXXX  times already and I don't know what else they could need. The merchant that took my money has proven that they don't know me and I have no account with them so I asked what could I submit to prove I didn't make this transaction. He said I needed a police report or something of that nature to prove I didn't make the transaction. I said well I didn't call the police about the transaction since Chime had alerted me and I had said I didn't make the transaction and it said I wouldn't be charged for it when it asked me from the app. He said unless you provide additional information I can't help you and hung up on me. I was shocked. I was never rude or hateful or cussed or said anything to be hung up on. I called back and made a complaint on that XXXX because he was completely unprofessional. I submitted another rebuttal and provided info from XXXX again saying I am not associated in any way with their business and it was denied as well on the XXXX. I have had to freeze my account, cancel my card and get a new one, I missed a loan payment because the funds I had in there was allocated for that, and empty my savings so I could cover everything. I also have to change all my automatic payments that were coming out from that card. This has been incredibly stressful, frustrating, and beyond inconvenient. I understand that {$290.00} is a lot of money and Chime just doesn't want to pay it but I also didn't want to pay it. I really can't afford to be out this much money and it's really put me in a bind. I don't understand what more I can do or how I can prove I didn't do this transaction.Chime wants XXXX to pay me but XXXX can't do anything to help me because they don't know who I am and the only proof I have to them is a charge that says XXXX for {$290.00}. Without an account or email address associated with their company they can't just give me money.

Company response to consumer: Closed with explanation