Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
My debit card was compromised a couple of months ago. I caught it, had my bank shut that card off, and ordered a new one. Shortly after activating the new card, the fraudulent charges started trying to come through again, along with other charges from companies I hadn't updated my new card info with. I have had to start turning that card off unless I am getting ready to use it because of this. I have contacted my bank again, asking why these are going through on the new card info when I never updated my card for the legitimate sites. This is when I was told about the XXXX " XXXX XXXX XXXX '' XXXX that I never agreed to. It's possible it was in their updated terms of service, but was hidden in there which is UNACCEPTABLE given the implications that program has. I was told there was nothing I could about the program and the only way to stop the charges was to have all of those vendors blocked on my new card. I don't want all of them blocked, but that I didn't want charges from them coming through until I gave them my permission myself. Otherwise, it was theft. They then told me they would handle it on their end and nothing would come through like that again. 

It didn't stop though. And I'm XXXX. I'm trying to get my account under control and them allowing those charges to hit is making it impossible. I also researched that stupid XXXX  XXXX  and read where I have to opt out of it with the bank, which I feel I have, though the bank didn't tell me that. But again, XXXX is still trying to come through that I didn't authorize. 

Now the biggest issue. Because of this, I am having to delay bill payments while I try to get this under control. So on a rare occasion where I had my card activated when getting ready to pay my car loan, a payment for {$600.00} that I did not authorize myself hit my account, wiping out my whole balance and making it where I couldn't pay my XXXX car loan. This came through because of the XXXX XXXX  I told my bank I didn't want to a part of. I immediately contacted Chime, and was told that the vendor actually reversed the charge ( not sure why they would have ) and that the charge would stay as pending, then would go away and the funds would be returned. So I waited for that charge to go away. It didn't go away though, so the agent I was talking to lied to me. I had told those who hold my car note I would be paying them shortly due to this issue, and they gave me a grace period until those funds were returned. But they weren't. The charge was allowed to go through regardless. The charge was for a legitimate vendor, my storage unit, and was told the only way to get those funds back was to file a dispute. But doing that would then cause issues with my storage unit, and I don't want them cancelling my lease and making me find a new unit and move everything in it. In other words, even more headaches and XXXX. 

The bank lied to me, multiple times, about the XXXX XXXX  and then this charge. All I really wanted was for Chime reimburse me the {$600.00}, or at the very least extend my overdraft coverage to allow me to pay my car note, but the customer service agent I talked with last was unhelpful, extremely rude, and dismissive. I am considering legal action, and this XXXX they've pulled has caused enough distress that they need to make good for more than that {$600.00}. I will more than likely be changing banks, even though I've loved Chime up to this point, but can't because I'm now behind on more than just my car note. I have screenshots of the last three conversations I've had with them ( all through chat as I'm XXXX  and have trouble with verbal communication ) to prove what I've asked and discussed, along with their responses and proof of their lies.

Company response to consumer: Closed with explanation