Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
I just spent an hour and a half writing a detailed explanation of my issue and left the window to gather documents. And it's completely gone. Here is my recount again...... I was robbed the night of XX/XX/XXXX of my chime credit card and mobile phone I was unsure if I was robbed or I had misplaced them until XX/XX/XXXX when I was able to access my online bank account via a borrowed device I needed to call chime to regain access to my account. Upon entry and while still on the phone with a chime agent, I discovered that 21 unauthorized transactions totaling approx. {$500.00} had been made from XX/XX/XXXX @ XXXX pm until that moment ( XX/XX/XXXX XXXX XXXX ) I then asked for what little funds that were left to be transferred to my checking account, canceled my card, froze my credit account, requested a replacement card to be sent, and asked to file a dispute. When my new phone arrived 2 days later, I was able to access my account next. I discovered that only about half of the charges were included in my dispute and that it was denied I immediately called chime again. They did not provide me with an explanation as to why my dispute was denied. I was only asked rudely " well, did you file a police report? '' I did not know that was necessary as this is my first time dealing with this sort of situation. They reopened my dispute and filed an additional dispute to include the charges omitted from the first one I then filed 2 police reports. 1 theft report to XXXX XXXX police department where the incident took place And another to XXXX XXXX Police dept. For identity theft where my mailing address is The next time I checked the status of my disputes, they were both denied. This investigation lasted less than 24 hours. I called and reopened my disputes again. And again .. totalling 9 " investigations '' total for the first dispute and 6 " investigations '' for the 2nd. Each were denied. I requested a detailed reasons as to why, and none of the information I was provided had a valid reason I've called chime probably 50 times and probably wasted 30-40 hours of my time trying to resolve this. I got robbed the night my tax returns got deposited. I had been chomping at the bit for weeks waiting for that deposit. Things have been so hard for months financially and this incident has been devastating. Financially and emotionally I've been working since XXXX and still haven't been paid as it's taken forever to get processed through the system I can't help to think that because my account balance has been so low, my disputes have been looked at through discriminatory eyes I currently live out of my car and scrape by through XXXX XXXX I hoped chime would have been on my side but unfortunately they decided to side with the thieves. And every time my disputes got denied. It felt like I was getting robbed all over again. Please help me to hold them accountable and recover my {$500.00}. It doesn't sit right being robbed of my money, time, and well being. The time and well-being feels worse and that is because of chime

Company response to consumer: Closed with explanation