Consumer complaint received 2024-10-03 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: IN

Complaint narrative:
This is in regards to both dispute and rebuttal denials. 
On XX/XX/XXXX my cell phone and wallet was stolen in XXXX. My card had already been compromised before I could make contact with Chime ( cell phone taken for I could not make calls ) when able I called into report theft of both my credit builder and debit cards to be cancelled and new cards were sent in mail. 
I was told after transactions completed pending status is when could file dispute. 
On XX/XX/XXXX I filed dispute. Claim was originally denied. I requested documentation as to why denied. I did not have supporting documents. NO error found. 
I then filed rebuttal on XX/XX/XXXX and uploaded copy of the police report and tracking number for supporting documentation. Followed up with customer service on XX/XX/XXXX and XX/XX/XXXX and I was told during the rebuttal process there would be review and would be issued temporary credit on account of {$1200.00} on XX/XX/XXXX. Instead my rebuttal was denied and no credit was issued and letter sent. 
I called back on XX/XX/XXXX and spoke with supervisor to request documentation of denial ( again ) and had this issue escalated. 
I have now received email with information. NO error found. 
I have been patient through this whole dispute/rebuttal process. My whole life was in that wallet from ID/Driver License, ss #, insurance cards, credit cards, etc! I had to freeze all XXXX credit bureau accounts for fear of any identity theft. This has also caused a financial strain in the amount {$1200.00} NOT {$12.00}! just waiting on money to be returned. 
I have had my Chime account for several years now and up until XX/XX/XXXX never had any issue with my account. CHIME is FDIC insured and i should be protected but my claim is still denied. I don't understand when all I have is my police report for support. There was another one of my main bank cards also that was compromised before could contact the bank in the amount of {$500.00} at the same XXXX and that account has already been credited back. 
On the intake form dates do not match. 
There is a question : when was card last used? Answer is XX/XX/XXXX this is incorrect! Phone call logs should show initial call in was made XX/XX/XXXX to report stolen cards. The theft happened on and card was last used XX/XX/XXXX by me around XXXX at XXXX XXXX for {$98.00}. ** and I used my cell phone to tap pay this amount. 
If you look at the close time stamps XXXX, XXXX, and XXXX and dollar amounts these XXXX amounts are all unauthorized transactions! 
My card was not locked at the time and pin # was bypassed and the transaction was successful. 
All I have is my case # : XXXX XXXX filed with IMPD and detective assigned to my case. I will follow up again for any updates. 
Please advise what else is needed to get claim approved and money credited back to my account. 

On XX/XX/XXXX, I filed complaint with my lawyer 's office XXXX XXXX XXXX and letter was sent for refund of account. Chime has also denied their correspondence as of XX/XX/XXXX as " No Error Found '' Claim closed. This is my XXXX attempt to get this matter resolved and monies returned to my account.

Company response to consumer: Closed with explanation