Consumer complaint received 2025-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, of XXXX XXXXXXXX, in XXXX XXXX, California, being duly sworn state under oath that : I am a chime card holder of Account Number : XXXX Dispute Claim Number : XXXX XXXX That the foregoing statement is true, on XX/XX/XXXX I was at my uncles funeral since XXXX XXXX  I attended a family only final viewing at XXXX XXXX located in XXXX, California and then we followed to the XXXX XXXX XXXX located in the city of XXXX California and at XXXX XXXX once the service concluded we immediately followed to our local cemetery located in XXXX, California accompanied by family and friends where my uncle was laid to rest. At XXXX XXXX everyone who was present at the cemetery followed back to XXXX, California were my family and I held a special memorial service where food and drinks were served to all that attended the service to celebrate the life of my dearly departed father/uncle until XXXX. 
While I was attending the funeral service for my uncle my debit card was being used by an unknown individual ( XXXX ) who found or stole my cellphone with my wallet attached that had my debit card and CA Drivers license. The XXXX unauthorized transactions were made to a merchant with the name of XXXX, XXXX XXXX the following transactions below : Number : Date & Time : Merchant Name : XXXX Amount : 1. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} 2. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} 3. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} 4. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} 5. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} 6. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} 7. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$980.00} with out my consent or prior knowledge. 
I did not receive any fraudulent alerts notifying me for any of these charges or requesting my authorization prior to completing the transactions in question. 
At about XXXX pm while I drove home after a long and traumatic day of an emotional roller coaster and still grieving the death of my uncle/father who raised me as his only son I discovered that I have been a victim of identity theft and fraud. I immediately notified chime of the fraudulent charges that had been made with my debit card I wasnt aware I was missing along with my drivers license and a second cellular phone / wallet that I normally keep in my vehicle was missing we immediately cancelled and issued a new replacement debit card. 
I am in a state of disbelief for how Ive been treated by Chime Dispute Team, I am a victim of identity theft and fraud, this traumatic experience has left me without any financial resources and no hope that this will be resolved soon or in my favor. This is a serious matter and issue that needs urgent attention my safety and security have been compromised. This is a terrible situation and traumatic experience that I am currently experiencing. Your complete disregard for my claim has caused me further distress that once I have recovered all my funds that were taken from my account, I will no longer continue any type of relationship with Chime. 
To the best of my knowledge Chime is FDIC Insured, I have complied and assisted chime in the investigation process, Ive filed a police report with XXXX XXXX XXXX Department, filed a identity theft claim with the FEDERAL TRADE COMMISSION and filed a complaint with FDIC XXXX of depositor and consumer protection and have contacted the merchant.

I requested a stop payment, transaction reversal, and or credit / charge back each transaction when I noticed these transactions and were in a pending status and the representative from chime refused to provide adequate and appropriate assistance while my account was being compromised and simply disregarded the severity of the fraudulent activity that had occurred and insisted that I wait until the unauthorized transactions had posted completely and only then would they help me file a dispute claim.

I demand that my account be credited immediately and not have to wait a moment longer to have the funds returned to my account. I called when I noticed these transactions immediately and I for one am bothered for not receiving any notification or a fraud alert from chime while these transactions were being made. Please help me understand why chime didnt Flagg these 7 transactions and alert me of each one request my acknowledgment of each transaction when they were all for large amounts minutes apart and all to the same merchant. You have to be a complete XXXX or you have to be an accomplice to the fraudulent activity that was transpiring at that moment. Im a victim and chime didnt follow protocol to protect my account and keep my money safe. Previously chime has alerted me in the past with a fraudulent notification when I attempted to make a atm withdrawal multiple times before and denied each transaction until I replied with a yes or no if I was the person attempting to use my debit card for each transaction so I dont understand how these werent flagged. 
Ive now have had to file a fifth rebuttal in regards to my identity and fraudulent transactions against my account, each time you have denied my claim for some unknown apparent reason that isnt being explained. Ive been in contact with XXXX XXXX XXXX ( the merchant ) and they have requested that chime contacts them to assist in a charge back of my funds stolen from my account and Ive requested the original debit card number you cancelled that was used in the above mentioned transactions so that they may conduct there own investigation so that they can return my money. However, chime is refusing to cooperate with XXXX and myself and has denied my claim five times already. 
I have filed a police report with the XXXX XXXX XXXXt and with the Federal trade commission where I filed a identity theft report I have submitted all this information to assist with my claim and I kindly request your assistance in the matter and the appropriate response and to have my money returned immediately so that I can end all future and further relationship with Chime. 
Kindly do the needful and oblige. 
Thanking you in anticipation for your kind cooperation! 

Yours Faithfully,

Company response to consumer: Closed with explanation