Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
on XXXX XX/XX/2025 I got a notification from Chime stating that XXXX grocery storehad tried to charge my account for {$89.00} which chime denied after I seen there were fraudulent charges trying to be put on my account. I stopped my card and canceled it and asked for new ones and contacted Chime and let them know that I did not buy anything that was $ for {$89.00} from XXXX and this was a fraudulent charge that my daughter buy groceries with her XXXX and I use my debit card to only pay a dollar fee that they return after the food is delivered to your house the cards were canceled. No other problem approximately four days later chime put down like if they allow the charge to go through on XXXX XX/XX/2025, which is a lie because they had told me they denied it and I didnt have any funds in the account so they gave XXXX XXXX store funds from their own account and then change the information on my account that I was over drawn by {$90.00} so they also took the dollar that was supposed to be reversed back to me after the food was delivered so I contacted Chime. They said they couldnt do anything at the moment because the charge was pending after the charge wasnt pending anymore. they claim they were gon na do something escalated even though it was on pending. They never did never was contacted so when I seen the charge go through. I had the charges investigated showing them proof of the conversation that I had with XXXX grocery store customer service proving that they said that that was not a valid charge apologizing to me and also an email stating that they were going to refund {$66.00}, which is still incorrect because they were complaining saying that the turkeys came up for the wrong price so they wanted to charge me for something that was a mistake on their part. I also sent chime the original receipt. I also sent them the email of XXXX grocery store apologizing, and how much the refund was for the only thing I received from Chime after them doing the investigation was a denial and they let the charge stand on XX/XX/2025. When I spoke with Chime, the first time the charge came on the representative agreed with me that why would they charge my account after I told them it was a fraudulent charge and turned off all my cards and have them replaced and they were frozen when the charge came through, which was what the initial notification stated that XXXX store had tried to come get something out of my account and that my cards were frozen need to be unfrozen for the consumer to get money out of my account and thats when I contacted him about the whole situation. I also contacted like I said XXXX customer service and like I said I have an email from them. They have not gave the refund or the refund has been given and chime has took all the money they took every money they came back to me from XXXX, which was over {$70.00}. They have took the money that was supposed to have been refunded from XXXX, which is {$66.00} and they have not gave me any explanation for why they denied me to get my money back when I gave them clear proof that they overcharged me and I wasnt even supposed to be charged and the turkeys have been paid for with XXXX, which is {$7.00} all these things I have proof of and I also gave to them and if I did agree to XXXX store charges which I dont because it was a fraudulent charge that I didnt agree to I would only owe them by the account after taking XXXX  and cash for me off of my personal debit card that has nothing to do with the transaction other than paying the dollar.. I would only owe them {$15.00} which I dont agree that I owe them anything more than what they were already paid so there has been no resolution and Ive been with Chime quite a few years.

Company response to consumer: Closed with explanation