Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
CHIME CLAIM DISPUTE NUMBER XXXX XXXX XXXX XXXX XXXX I am in desperation that this letter finds the appropriate person ( s ) to help me resolve this issue.

It was highly recommended I send this dispute in writing with valid documents of proof. 
On XX/XX/XXXX I called Chime and spoke with a representative to dispute charges on my account in a total of {$610.00}. 
I checked the Chime app daily for an update but did not receive an update until XX/XX/XXXX via email. 
My claim to dispute these charges were denied. I appealed the decision only to be denied a second time. The merchant, XXXX XXXX from XXXX XXXX XXXX provided your financial institution fraudulent evidence to cover her unprofessional deception, of scamming many out of thousands. 
On XX/XX/XXXX, I along with XXXX others arranged to take a trip to XXXX XXXX, XXXX. We utilized a travel agent through XXXX XXXX XXXX, XXXX, which is XXXX XXXX who solely manages and operates the business. 
Trip name : XXXX  XXXX XXXX XXXX XXXX Destination ; XXXX XXXX, XXXX Trip date : XXXX XXXX XXXX  Total cost of trip was {$1400.00} ( proof of trip cost has been provided ) All payments were made through XXXX- Payment platform I made a deposit of {$100.00} on XX/XX/XXXX using my Chime credit card. ( Receipt has been provided ) I made another payment on XX/XX/XXXX for {$150.00} using my Chime card ( receipt has been provided ) Another payment on XX/XX/XXXX was made for {$350.00} using my Chime card ( receipt is provided ) Upon booking, I received documentation by email correspondence XX/XX/XXXX that the final travel itinerary would be provided XXXX weeks before departure. 
However, by XX/XX/XXXX, I nor the other parties involved hadnt received any updates. On XX/XX/XXXX, I sought out to contact XXXX XXXX by phone, text and email in regards to the final itinerary, which would include our confirmation of Resort reservations and transportation from the airport to the Resort, but never received a response from XXXX XXXX. On XX/XX/XXXX, I continued my efforts to reach XXXX XXXX without success. Due to XXXX XXXX failure to respond I decided to reach out to Breathless Resort in XXXX XXXX, XXXX where our trip should have been booked. On the call with XXXX XXXX XXXX, I learned XXXX XXXX never booked our trip with the resort which she was responsible for as a travel agent. 
She finally communicates via email on XX/XX/XXXX, that due to an administrative error the trip was cancelled and refunds would be processed. ( Documentation of proof is attached ). 
I have yet to receive a refund and for her to send in evidence to the CHIME financial institution that this trip was non-refundable is just another way of her using deceit so she is not exposed and held liable. 
If it is a non-refundable trip, why would she send an email taking responsibility for what she did and inform me I would be refunded??

Per legal, her conduct is in violation 2913.02 ( A ) ( 3 ) Theft by Deception, a felony of the fourth degree ( F ) ( 4 ). 
I have filed a XXXX XXXX Complaint ( see attached ) Complaints and reviews from other parties about XXXX XXXX XXXX XXXX XXXX XXXX business activity is attached which reflects she does this all the time to people. Please take the time to read the other individuals complaints of how XXXX XXXX scammed them as well, very disheartening. 
I have went to my local Police Station to press legal charges. 
Also, a Civil Suit is the next plan of action. 
I am aware that CHIME has a history of denying customers when they have a valid dispute. 
SERVICE WAS NOT PROVIDED BY THIS MERCHANT. I was scammed out of my money. 
Please provide email confirmation at XXXX Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation