Consumer complaint received 2024-01-26 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: FL

Complaint narrative:
Was charged unauthorized transactions from Chime Bank. 
Filed Dispute and reopened XXXX  times all less then XXXX business days clearly didnt do any research. Requested Documents and was sent this ; no supporting evidence that would conclude the legitimacy of these transactions. Clearly they have no evidence and refuse to send me supporting evidence. The Dispute Team at Chime Bank is clearly being unfair and divisive. Not to mention when I originally reached out to file dispute the representative filed as a duplicate charge when I clearly stated it was fraud. Would rather bank with XXXX XXXX or XXXX XXXX. Same level of customer support which is sad because XXXX is an actual XXXX XXXX XXXX XXXX. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$500.00} Hi XXXX Attached to this email are the document ( s ) used in your dispute investigation. Your investigation included a review of the following transactions : Chime XXXX XXXX Date Amount Merchant XXXX. XXXX XXXX {$74.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$9.00} XXXX XXXX XXXX XXXX When we received your dispute, we gathered evidence pertaining to your dispute claim and made our decision based on this evidence. This included information that we had available to us at the time, such as device and/or location information, and additional information/evidence that you or the merchant provided us, if any.

The documents we included in this email may include : Documentation provided by you, including but not limited to receipts, emails/ conversations with the merchant, confirmation emails, answers to support questions, and call logs uploaded through the document portal or emailed to the Chime Dispute Support team.

Any information provided by the merchant. During the investigation of your claim, we may have filed for a chargeback with the merchant. A chargeback is a request made by Chime to the merchant to have the disputed funds returned to you. Merchants can reject chargebacks and provide their own evidence that a transaction is legitimate. If evidence was provided, it will be attached to this email. If no merchant evidence is attached, none was provided to us during the investigations. You can learn more about the chargeback process here.

Company response to consumer: Closed with explanation