Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Last year I had to cancel my card a few timea due to someone paying a light bill and phone bill from XXXX and XXXX XXXX I made a dispute with chime and they came back and said that there was no error on my account I asked to check for duplicate accounts because I have no accounts with either merchant and I did not authorize transaction. The institution said they will not give funds back because there was no error. So further down the year I had about 5 deposits over XXXX each in 5 months and I have multiple transactions and purchases that were sent to my phone unauthorized transactions as if someone has cloned my card using it as their own I filed a dispute the bank claim there is no error and they won't give me my money back which is a whipping total of XXXX I received a student loan of XXXX $ and it show paid on my XXXX but the funds never made it to my account and the money was taken the loan is showing my credit score already I contacted the bank and they declared that there was no error. Not to mention that I have been locked out of my online banking for almost 10 months and someone hacked the account making all of my deposits go strait to my cc card that I have with chime bank which is not how I set the account up. I have sent the same information to get bank into my account over 30 times receiving the same response and no progress of me getting back to my account but more money is coming up unaccounted for and the bank is still telling me there is no error or the transactions did not go through in which they did and some how the hacker has it to were it's not showing on the statement but I receive at text after the transaction has been approved asking if I approved the transaction there were maybe 2 out of many transactions I authorized but there were many over charges and extra charges from the same merchant that wasn't authorized over XXXX at a time there are all send to my phone with a confirmation number receipt of purchase from a town or state I've never been to.bill were being paid and multiple online accounts including XXXX and XXXX 's charged that went through and not shown on the statement but the money is missing and the bank is saying that there is no error and I won't me reimbursed. I know my money is protected by the FDIC and I have fallen behind on bills due to this situation mid point auto and XXXX XXXX who lives in XXXX Texas had access to my information after trying to purchase a vehicle these are all the transactions that appeared on my account and law enforcement is stating on camera that the car lot has infact " stolen my identity '' and has duplicated my card and is making all of these online purchases from out of state with XXXX XXXX from XXXX Texas. And was confirmed that she had access to all of my banking information please help me get my money back please

Company response to consumer: Closed with explanation