Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
XXXX XX/XX/XXXX : The Abuse Begins I was trapped in an abusive situation that escalated to extreme XXXX XXXX. 
The assaults XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The abuse was both physical and financial, and my attacker exerted control over my access to money and personal belongings. 

XX/XX/XXXX : The Attack and Unauthorized Transaction On this night, the XXXX reached its peak. He grabbed my face and violently jammed his thumb into my eye, pressing down so hard that the pain was excruciating. I screamed for help, blinded and in agony, struggling to breathe through the pain. 
While I was disoriented, partially blinded, and physically incapacitated, he ripped my phone from my hands and initiated a {$2000.00} transaction from my Chime account. 
I did not authorize this. I was in the middle of a brutal attack, unable to defend myself or prevent him from stealing my money. 
By the time I could regain control of myself and my phone, the transaction had already gone through. 

XX/XX/XXXX : Reporting the Crime The very next day, I reported both the assault and the stolen money to the police and filed an official police report, documenting both the physical abuse and financial exploitation. 
The injuries to my eye, face, and body were medically documented, proving that I was physically attacked on the same night the transaction was made. 
I immediately disputed the transaction with Chime, explaining that this was not a voluntary payment but a direct result of XXXX  XXXX. 

Late XX/XX/XXXX : Providing Proof I submitted multiple pieces of undeniable evidence to Chime, including : The police report, which officially documented the physical abuse and unauthorized financial transaction. 
XXXX photos of my injuries, including deep XXXX, a XXXX  and XXXX XXXX, and other XXXX XXXX. 
Screenshots and account logs, proving my phone was used to send the money while I was physically unable to do so. 
Despite providing overwhelming proof, Chime denied my dispute. 

XX/XX/XXXX : Multiple Rebuttals and Continued Denials Chime repeatedly denied my dispute despite the mountain of evidence supporting my claim. 
I submitted multiple rebuttals, each time including more evidence, hoping someone at Chime would actually look at the facts instead of dismissing my case without a real investigation. 

XX/XX/XXXX : Final Rebuttal The Truth Can not Be Ignored After nearly XXXX months of fighting, I submitted my tenth rebuttal, now including additional medical context. 
I emphasized that : The human eye is the fastest-healing organ in the body. 
My injuries have healed because nearly XXXX months have passed, not because the attack didnt happen. 
Medical studies confirm that corneal abrasions, hemorrhages, and blunt force trauma to the eye can heal in days or weeks, but that doesnt erase the fact that I was brutally attacked. 
Just because my injuries are no longer visible does not mean the assault or the financial abuse didnt happen. 

Chimes Decision : Will They Do the Right Thing?

This is not just a simple disputeit is a clear-cut case of financial abuse tied to physical violence. 
I did not authorize this transaction. 
I was physically assaulted while the transaction was made. 
I provided police documentation, medical evidence, and account activity proof, yet I was still denied. 

At this point, Chime has a choice : XXXX. Approve my dispute, acknowledge the overwhelming evidence, and uphold the consumer protections they claim to provide. 
XXXX. Continue to ignore a blatant case of abuse and financial fraud, proving they do not protect vulnerable customers. 

This case is not subjective. It is documented, reported, and supported by hard evidence. I am not asking for sympathyI am demanding justice. Chime must honor its policies and return the money that was stolen from me during a violent attack.

Company response to consumer: Closed with explanation