Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
On XX/XX/XXXX a charge appeared in my Chime account for {$470.00} from some entertainment company that I had never heard of. I tried to dispute it at that time and they said I had to wait until the transaction cleared because it was just pending which made no sense to me but I did what they asked. The next day XXXX more transactions appeared for {$1000.00} each for a XXXX XXXX  transfer. I do not have a XXXX XXXX  account and have never heard of them. Same result I was told I had to wait until the transaction cleared before I could dispute it. A couple of days later they all cleared so I filed my disputes. They told me it could take up to XXXX  days to resolve it but if no decision was made in XXXX weeks I would receive provisional credit until it was resolved. In the meantime I looked into it on my own. All three charges were from a virtual card on my account that I have never used so they issued a new one which I froze immediately. I called XXXX Pay and knowing I did not have an account there asked them if an account had been open in my name. In a couple of days they sent me an email saying there was not an account in my name. Just before the XXXX weeks were up I received a provisional credit for the {$470.00} charge and the next day I received an email saying the other XXXX disputes for the XXXX {$1000.00} charges were denied. i asked them for the documentation they used to determine that and was told it would take XXXX business days to get that. That makes no sense because they must already have the documentation or they couldn't have denied the claim. In about XXXX  days I received the " documentation '' they supposedly used. All they sent me was a copy of my checking account ledger which showed the XXXX transactions came out of my checking account!!!!! I asked to dispute that and they sent me a link to add more information and at that time I sent them a copy of the email from XXXX XXXX  that shows I don't even have a XXXX XXXX  account along with a narrative on what had happened. Just as the XXXX weeks was about to be up on the new dispute I received an email saying the dispute was denied again..... In the meantime they closed the dispute on that {$470.00} charge and made my provisional credit permanent.... It was done on the same virtual card that the other XXXX charges were on which were XXXX day apart. It is clear that something is really wrong here. i moved most of the money I had in that account out and opened a new account elsewhere I always receive an alert or email when something is paid out of my account but those XXXX transactions I received nothing. I have had transaction I actually did get flagged and they asked if I tried to use my card at some company and I answered yes. their reply was pk we declined the transaction so you can submit it again. The amounts were less than {$100.00} and as low as XXXX cents but then they pay {$2000.00} without saying a word.... I feel they stole my money

Company response to consumer: Closed with non-monetary relief