Consumer complaint received 2025-06-05 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: MN

Complaint narrative:
I contacted chime on Friday XX/XX/XXXX to report unauthorized charges and request a new debit card. A dispute was filed over the phone with an agent. I received an email Sunday XX/XX/XXXX stating my dispute was denied due to no error occurred. 

I filed a rebuttal on Friday XX/XX/XXXX and on XXXX XX/XX/XXXX I received an email stating my dispute was denied due to no error occurred. 

I filed a rebuttal again on Friday XX/XX/XXXX and requested the documents that were used in the dispute investigation. On XX/XX/XXXX I received an email with the documents that were used in the dispute investigation which was just a transaction history of the unauthorized charges. On XX/XX/XXXX I received another dispute denial via email. 

This is exactly what I wrote to chime in my last rebuttal. 
XXXX and documents for my dispute claim : This is my XXXX time filing a dispute against these charges. If the dispute is not resolved by XX/XX/XXXX I will be filing a claim with the XXXX XXXX XXXX. 

XX/XX/XXXX : My cell phone, along with my debit cards were stolen. I have XXXX different banks and debit cards. I have all XXXX of those debit cards saved to XXXX XXXX. My chime card ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX linked with my chime ending in XXXX XXXX XXXX XXXX Without my cell phone or my debit cards I had no way of knowing that unauthorized charges were happening. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I was finally able to get a new cell phone and upon logging into my banking apps I discovered thousands of dollars gone from my checking accounts. As soon as I noticed the charges, I contacted all XXXX of my banks and filed disputes. I also contacted both merchants and am now locked out of those XXXX accounts online. 

XXXX of the XXXX merchants ( XXXX ) that I am demanding chargebacks from I am familiar with and have previous business with. But during this timeframe ( XXXX XXXX XXXX ) I did not authorize any such charges nor did I even have a means to do so. 
The other merchant ( XXXX ) I have no prior charges with and did not authorize the charges.

Company response to consumer: Closed with explanation