Consumer complaint received 2024-05-16 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: OH

Complaint narrative:
Hello. A few months ago I was involved in a XXXX XXXX XXXX I was not the at XXXX XXXX. My car was totaled and I was XXXX XXXX XXXX XXXX. After speaking with lawyers and going back and forth to the XXXX I have several XXXX XXXX that have put a pause to me XXXX temporarily. I received a settlement for my car and for my iXXXX. My settlement check was deposited into my chime bank account. ( Which was a huge mistake ) I have a different bank account with a real bank but my chime card was accessible to me at the time of speaking with my lawyers. A few weeks after I got my XXXX I noticed multiple transactions being made on my account. Once I noticed these unauthorized transactions I called chime customer service and informed them that I was not making them. At that time I canceled my debit card and filed XXXX disputes. At this time only these XXXX transactions were done pending. I received a email stating that my claims were denied. Then I filed an appeal and it was also denied. XXXX ALL off these unauthorized transactions were done pending and settled I called chime and filed the additional disputes. It took them less than XXXX hours to come back with a decision of denied for the second time. This time they were investigating XXXX transactions that were unauthorized. I am very upset because I have been out of work since XX/XX/year> with injuries due to a XXXX XXXX. I received money for this and my money is being stolen daily. I have several bills and important things to pay for that I have not be able to because of all these Transactions. I also could not understand now a decision was giving back to me in less than XXXX hours. I have explained several times how this was NOT me making these transactions XXXX debit cards have been replaced since this has happened. I reach out to chime and do my best to do the right thing. I am asking that someone take their time to please investigate my case fully. I and not responsible for any of these reported transactions. I also opened a XXXX  bank account with my bank XXXX days ago. I love chime and have been with them with over XXXX years and never have ran into a problem like this before. I very upset and disappointed that my case is not being taken seriously and that money from my XXXX  was stole at the hands of a stranger or a scammer. Im also on the verge of being XXXX  because I cant pay my bills. As I stated before I have been off work for XXXX  months with no income coming g in until I am fully XXXX. PLEASE TAKE YOU TIME AND INVESTIGATE EVERY TRANSACTION WITH CARE AND TIME. Im begging you. I have not even been able to get the opportunity to receive a provisional credit because how fast the denial comes after I filed my dispute which is causing me to almost lose everything. I have submitted several documentation regarding my claims. Some of the documentation includes a letter from my employer and a letter from the XXXX stating that I have been off/out of XXXX. I also send a copy of my police report with the date of my XXXX XXXX. I was also told that I could send any pictures text messages or anything g of the sort to prove that I was at home at the time of some transactions and I provided XXXX pictures from my camera roll with the time and location on them. I also reached out to XXXX of the merchants and received written confirmation that I in fact do not have an account with them. I also send a copy of my XXXX  days XXXX XXXX With chime simply denying my claims instantly I have not been successful at receiving any help or even a provisional credit while my case is being investigated causing my landlord XXXX XXXX XXXX XXXXXXXX XXXX. There is a total of XXXX transactions and there is not way possible these are being fully investigated.

Company response to consumer: Closed with explanation