Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
I hired a fitness trainer that turned out to be a scammer. I canceled with him after 10 days due to unprofessionalism & realized he was a scammer. I formally canceled & this person refuses to cancel my card information & has it set up to be taken out indefinitely. 

XX/XX/XXXX I requested my debit card with chime to be canceled & requested a new card. That debit card was canceled & I related why because someone thats not authorized to have my information had it. I tried to avoid this by all means & it still happened. Someone was able to take money from me with a canceled debit card. They did not have my account or routing information only my card. Almost 2 months later on XX/XX/XXXX this person was able to withdraw {$210.00} from a canceled debit card. 


XX/XX/XXXX I noticed an unauthorized transaction for {$210.00} was taken out of my account. I called Chime bank immediately to dispute. 

XX/XX/XXXX Chime denied my dispute. I requested information to why it was denied & was sent some of the documents that I sent for proof I was stolen from. I also noticed that the intake form information was incorrect. I called several times to have it corrected but no one has corrected it. 

Chime continues to promise to give me a temporary credit to my account if they dont solve the dispute. Right before the date of me getting my temporary credit they deny the dispute. The representatives Im allowed to talk to always say its because of the dispute type which doesnt make sense. I sent in all the information to prove that this person stole from me. I also sent in proof that I filed a police report. No one is helping me. Chime is responsible for this person taking money from me & is not helping me at all. I keep on being told the same thing but no solution. They failed to take and correct the accurate information. Someone please help me. Im a single mother. Im afraid this person will continue & keep on trying to take money from me & chime isnt doing anything about it. Ive been dealing with this for a month & its been very traumatizing. I cant sleep & always worried because my money is not protected. Ive had to take all my money out my account bc Im afraid someone will be able to take it and get away with it because Chime is treating me so wrong & continues to lie to me about me getting my money back that was stolen from me.

What I sent Chime as a statement. 

Hello, As I stated before, XXXX XXXX has done fraudulent activity with charging my card. I signed contract on XX/XX/XXXX. 11 days later I sent written email to cancel contract & my card on XX/XX/XXXX which was 11 days later. I just attached what contract says, but overall I dont owe him anything & I didnt even finish out my first month of starting which was on XX/XX/XXXX. I paid & only agreed to pay via XXXX XXXX which I did. I never allowed him to charge my card. & technically due to the scam contract I dont owe him anything. I signed on XX/XX/XXXX & Canceled on XX/XX/XXXX. Please do not let this person get away with taking money from me. I canceled my card so this wouldnt happen & he still was able to do this to me. Im so scared because how was he able to do that? This is very traumatizing that someone can access my money like this through Chime. He claims the system did it. He had my card info set to take money out of my account indefinitely on the XXXX of every month. He is refusing to provide me proof of cancellation & has since then changed his business name twice. 

Please read this to understand whats going on. 

I paid for one month of services with XXXX on XX/XX/XXXX. I paid {$210.00} via XXXX XXXX as he requested the month from me & agreed to pay that way verbally & via email/text. I never agreed to pay via money taken from my card and thats in the email I provided. Since XXXX he has tired to receive money for services that wasnt provided. XXXX stated that he would not charge my card it just was part of the process of signing the contract. I never signed anything until after I paid him via XXXX XXXX. Technically I said the contract on XX/XX/XXXX & canceled 11 days later after signing. I was not supposed to be charged at all & he was supposed to delete my info but he didnt & has continued to try to charge my card & has it set on indefinitely. 

I canceled my contract & card on file with XXXX on XX/XX/XXXX via email. My card was never supposed to be charged or still on file due to the date I canceled. He claim he didnt receive my email but I know he did so I confirmed I canceled via text as well. To make sure he couldnt take my money from me, I canceled the card he charged chime on XX/XX/XXXX as well to avoid this from happening because I felt he was still going to try to take my money due to me doing research on him after this happened. Hes very rude & unprofessional & this has been a nightmare. I was honestly trying to better myself & find a reason to get out the house & this has completely traumatized me because of someone trying to take my money for services I didnt even receive from them. 

XXXX threaten to send my info to collections because I wasnt able to attend. If I wasnt able to attend due to car issues I couldnt pay. I agreed to pay him what he stated I owed via XXXX XXXX, but he continued to say he was going to send to collections & charge me more than what he stated I owed him. I attached text messages. ( My messages are in blue, his messages are grey ) so I told him to do that because it wasnt fair to me to have to pay for services I didnt receive. This is a person that tried to take advantage of me. I didnt even get my money worth for the XXXX month. He actually owes me money for paying for in person consultation fees I never received that as well from him. 

After I found out Saturday morning after he took money out on a Friday XX/XX/XXXX I noticed that XXXX tired to take advantage of me by still attempting to take money from me that services wasnt provided so I posted a XXXX review to make other people aware of his scam with getting your card info to train with him. He then tired Calling/texting several times claiming he didnt mean to charge my card & was going to refund it back, but he only said that because he know hes wrong & suppose to not charge my card at all bc it was canceled. He is a scammer. He has changed his social media & canceled his business name.

Company response to consumer: Closed with explanation