Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
It started happening on XX/XX/XXXX through XX/XX/XXXX the a random gaming or casino merchant by the name of XXXX was being paid numerous amounts ranging from XXXX dollars to XXXX dollars totaling XXXX out of both my checking and credit accounts. But since the money in the credit account comes from my paycheck as its a secured credit card thats needs to be funded before use. Although I submitted proof down to the police report they denied mostly all of my money except a XXXX dollars. But Im a little confused because out of these claims they only approved two transactions and one transaction they approved was connected to multiple other transactions within the same dispute but the rest got denied but one was approved. Never have I ever heard of that. Then on XX/XX/XXXX my fraud alert notified me of a suspicious spending pattern unfamiliar to my account. The day prior chime sent me a fraud alert text asking was I attempting to make a transaction to a merchant by the name of lucky day. And I said no they replied and said no funds had come out and that the transaction was blocked that happened three times, each time I said no. And yet they were able to access XXXX dollars over the course of 2 or 3 days. On XX/XX/XXXX this merchant lucky day was able to access numerous transactions in all different increments but I had to file 3 claims one for XXXX, one for XXXX, and one for XXXX. Both were on my credit and checking accounts. I have been banking with chime for XXXX years all my direct deposits go through them I never had a need to file a claim but I am also a single mother and sole provider financially in my household as the other members are all children. Each month between XXXX and XXXX XXXX goes into my account and the first clue that it was me attempting these charges is that yall can see what I usually spend money on bills and I am the queen of online purchases but I work 7 days a week and with kids and my work schedule I never have time to go in a store. However I dont game or gamble you wont see a dime of my money going to that unless it was like and XXXX game or something but gambling absolutely not. I filed police reports and contacted the merchants provided evidence out the XXXX and chime denies my claim they claim it was because of how I answered the questions on the dispute intake form well here is the grave issue I did not personally type those answers the dispute agent asked questions I answered but when they sent me the form it had none of my legitimate answers they had lied on the intake form. In any event form aside I showed yall proof I had no idea who or what thee transactions were who went to this place. I contacted the merchants only for them to never reply. And chime contacted them as well to no avail. I was so confused about why they denied my claim then it hit me the amount is the problem but imagine how I feel thats money I worked for because of this I could not pay my rent. My landlord is taking me to court I was unable to get to and from work I almost lost my job because I missed multiple days and I could barely feed my children had to take a bunch of cash advances from numerous companies to survive only deepening my debt and worst of all chime could give XXXX XXXX how do you treat so called valued customers that way its been XXXX years and I have never file one claim until now. Please help me I just need my money or I will have to file a law suit.

Company response to consumer: Closed with explanation