Consumer complaint received 2025-05-30 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: CO

Complaint narrative:
On XX/XX/XXXX I contacted Chime, who is my banking institution, to dispute a series of charges that started in XX/XX/XXXX and went until the most recent charge on the XXXX of XXXX. Due to that charge being pending I wasn't able to dispute the XX/XX/XXXX charge at that time. I filed a dispute for the other XXXX charges which totaled out to XXXX. I filed the dispute and was informed that it could take up to 90 days to get a resolution. At that time, I had already contacted the vendor, XXXX, and informed them of the error. They confirmed that there was an error, but no refund could be issued because I did not have access to the account that had the card on it as it was not my account. They assisted me with getting that card removed off the other account remotely but that was all that they could do. I received an email from XXXX, the support agent who helped me on that day outlining what had been completed. What information was missing was that the card was used without my authorization, so I called back on XX/XX/XXXX and spoke with XXXX regarding the situation to which she confirmed and provided me XXXX emails outlining that the card was charged fraudulently and the account that it was charged on was not mine. She verified that the card was removed off of the other account but that they could not refund me due to that account being unverified ( Since it wasn't my account ). I then took screenshots of my XXXX account and showed that there were no purchases made in the last year, and I also attached the last XXXX days as well to supplement that. I uploaded the files on XX/XX/XXXX to the Chime dispute through the application. At that time I had already filed a second dispute on the XXXX XXXX charge from XXXX and that dispute was found correct and I was credited the {$21.00} from that after using the same evidence. I then got a notice that the original dispute was denied on XX/XX/XXXX. I requested the documentation showing the denial reason and was told I would have it within 10 days of the request. I received the email from Chime containing that information on XX/XX/XXXX which was outside of the days that I was advised of. The email listed the charges and at the bottom said the decision was reached by using information from my transaction processing details, records of calls with Chime regarding the activity, fraud alert responses, and Login history with Chime amongst other things. It didn't clearly outline why there was a denial. It did say that they requested documentation on XX/XX/XXXX but I had already provided that information. Upon receipt of that email, I contacted the dispute department again and they informed me that I wouldn't be able to do anything, so I requested a supervisor who them filed a rebuttal dispute stating that there was sufficient evidence that I provided as well as them approving the other dispute for the amount related to the pending charge initially. She submitted that claim for me and requested that documentation which was provided via email to their upload service on XX/XX/XXXX. That dispute has now come back denied as well. There is information from the vendor and from myself that disputes those charges and validates that they were fraudulent. I even provided the name of the person and the account to the vendor and chime, and I am unsure how it could be unfounded when the vendor even agrees.

Company response to consumer: Closed with explanation