Consumer complaint received 2026-05-27 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: OH

Complaint narrative:
On XX/XX/XXXX someone attempted to use my Chime debit card. The XXXX transaction was declined due to insufficient funds, the charge was for {$190.00}. Not long after this on the same day my card was debited XXXX for {$100.00}, apparently from XXXX, according to my banks records. When I contacted the bank the same day to cancel my card and to dispute the transactions I was told there was nothing I could do because the transaction had not settled yet, and I had to wait XXXX business days. I explained that I DID NOT make these charges and wanted to cancel the card. At this time I was told that it was an in person purchase and my pin number was used. I attempted to explain that at the time of the charges I was in the hospital with my daughter, speaking with her dr and an eye dr on the phone, because she had a severe abscess on her eye and again that I did not make these charges, I actually needed that money for a {$90.00} copay at the XXXX XXXX XXXX same day as the charges happened. I was again told there was nothing that could be done till the charges settled. When I saw the charges were processed and someone actually over drafted my account and got away with stealing my money, I contacted Chime again and explained the whole situation, that I was not using my card, and that it was with me and I had not given it to anyone, and was told that the dispute would be investigated, however it appeared I had made the charges. When I got the email that my dispute had been settled, and the bank found no error in the charges I contacted them again, explaining everything again, to a new person, I explained I would send my XXXX order history showing I did not make the charges, I would submit my driving history off of XXXX, to verify my location, I would send my XXXX discharge information showing during that time I was at the hospital ( I only had concerns about who would have access to her personal health information ( they fought with me for an answer but then said our dispute team. I also sent my daughters cat scan showing she really had a medical issue, supporting I was at the hospital with her. I did in fact send all of this information too Chime and was told it would again be reviewed by the dispute team, but on the original dispute denial it informed me that I needed to contact XXXX to get my money back. I did wait for this, because I thought my bank could easily verify that I did not make the charges, with my evidence and actually investigating my claim. However, I received a follow up email today, that once again they seen nothing wrong in my account and denied my money back. I at this time reached out to XXXX, spoke with a fellow who investigated my account, and only confirmed that I did NOT make those charges. My last charge was in person at a XXXX on XX/XX/XXXX. Nothing else after. I asked the fellow for some type of documentation stating that I did not do this, and that they had even found the debit card used was NOT linked to MY XXXX account. XXXX was unable to provide written documentation that I did not do this, and that I needed to contact my bank. Which I informed them I had, and the bank told me to follow up with the merchant for a refund. I was put on hold so a supervisor could be spoken with about my situation. When the fellow came back on the phone, I had my daughter record the conversation because that was the only way I could get some type of proof that I did not do this, and my card is not even showing on my account. I was informed that the supervisor had checked into my concerns and only confirmed what the first fellow had told me, that they have no transaction information for what I was charged for, and my card is not linked to my account. I thanked him and hung up. I am reaching out to this website for help, in getting my money back, because as someone who literally lives paycheck to paycheck, could not afford to lose {$200.00}. This caused my husband to short his account by sending me money to cover my loss and copays, causing our family even more loss. I have attached medical documentation, driving records, screenshots of bank accounts, XXXX account information showing last in store purchase, and no online purchases,

Company response to consumer: Closed with explanation