Consumer complaint received 2024-05-08 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: MN

Complaint narrative:
I REQUESTED THE SPECIFIC REASONS FOR THE DENIAL OF MY DISPUTE TO AND TO HAVE MY DISPUTE RESOLVED IN MY FAVOR AND THESE ACCOUNT ERRORS REMOVED BECAUSE I WAS XXXX AND XXXX XXXX AND DID NOT MAKE OR AUTHORIZE ANY XXXX CHARGES. I DON'T EVEN OWN ANY XXXX PRODUCTS HOW I CAN USE XXXX XXXX SERVICE. THESE TRANSACTIONS WERE NOT FOR ANY ACCOUNT THAT BELONGS TO ME, OR DONE BY ANYONE THAT HAD MY AUTHORIZATION OR CONSENT TO DO SO. 

On XXXX XXXXXX/XX/XXXX, I noticed some unauthorized charges from XXXX on my Chime account. I immediately called Chime and as they reviewed my account, they noticed that XXXX has been fraudulently charging my account since XXXX of XXXX. Due to XXXX and XXXX XXXX I was not aware of these fraudulent transactions until XX/XX/XXXX. 

The account representative at Chime completed a claim for all of the transactions which totaled and astonishing {$930.00}. The representative did not request anything further from me, so I was only supposed to wait for the process to conclude and I would be given a provisional credit on XX/XX/XXXX. But, hours later I received an email stating : " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. '' This is an inaccurate resolution to my claim. I am a victim of human trafficking, identity theft, fraud, unauthorized purchases, transactions, and claims. I have also had my personal information exposed in recent data breaches. I have also been XXXX and had my cell phone, purse, keys, identification, credit cards, debit cards, and account information stolen and used without my consent or permission. I did not make or authorize any payments or charges to XXXX. I don't even own any XXXX products. So, I know these transactions are fraudulent errors. 

I am requesting the stolen funds be restored to my account immediately. Please do this and send me confirmation that the stolen funds have been restored to my account. Also, please provide me with a copy of any documents or information used in determining the final outcome of the investigation. 
Also, please provide me with a copy of any documents or information used in determining the final outcome of the investigation. 

I am also making an Americans with Disability Act ADA reasonable accommodation request so that I can have equal access to your services. 

I am requesting reasonable accommodation or modification under the Americans with Disability Act ( ADA ) Article III becauseXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am unable to communicate with a representative of your office via the given methods. 

I am requesting reasonable accommodations to be able to exchange two-way communication with a representative of your office via email, so that I may communicate with a representative of your office effectively and receive notices from your office successfully. Preferably unsecured email exchanges. This request is for 2-way email communication please dont send responses from a noreply email address. Please send the above requested information to me via email to/at XXXX.

Company response to consumer: Closed with explanation