Consumer complaint received 2023-11-29 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: CA

Complaint narrative:
Please note. I will be putting in the times according to what my screenshots say as I was travelling in XXXX and what I see now is only XXXX 

XXXX, at XXXX XXXX : I received a text from CHIME asking if I made a transaction for {$460.00} and for {$220.00} from XXXXXXXX XXXXk. I accidentally said yes at XXXX, because I was updating payment for a hotel i was booking and thought that was the merchant. One minute later at XXXX, I responded no because it didn't seem right. The text response from Chime said, " the transaction was blocked and no funds have been taken from your account .... '' XXXX : at XXXX XXXX I received another text if I had tried again to make a purchase from XXXX XXXX for {$56.00}. I responded no. Again, the same message that this purchase would be locked and no funds were taken. at XXXX, i received another text asking if i was making a transaction for {$22.00} from XXXX XXXX XXXX which I said no, and another message from chime said that the transaction was blocked and no funds taken out. 


XXXX at around XXXX : i disabled usage on my card and also requested a new card to be sent. WHen i logged into my checking account, i saw that there were XXXX different charges from XXXX XXXX for various amounts. 

These charges are all from XXXXXXXX XXXX and are all showing up in XXXX on my bank account statement : {$460.00} at XXXX ( i received a text from chime for this one and responded that i did not make this purchase to which they said they would block this one and it wouldn't go through ). 
{$220.00} at XXXX ( i received a text from chime for this one and responded that i did not make this purchase to which they said they would block this one and it wouldn't go through ). 
{$56.00} at XXXX ( i received a text from chime for this one and responded that i did not make this purchase to which they said they would block this one and it wouldn't go through ). 
{$56.00} at XXXX {$56.00} at XXXX {$56.00} at XXXX {$220.00} at XXXX {$220.00} at XXXX {$220.00} at XXXX {$56.00} at XXXX {$56.00} at XXXX $ XXXX XXXX {$22.00} at XXXX ( i received a text from chime for this one and responded that i did not make this purchase to which they said they would block this one and it wouldn't go through ). 

XXXX at XXXX XXXX time : I did chat support with Chime because I was concerned about the XXXX fraudulent charges totalling over {$1800.00}. XXXX of them were from XXXX XXXX for various amounts. A Chime representative told me not to worry. He reached out to XXXX XXXX and was told that all XXXX charges were already cancelled and that they wouldn't be withdrawn from my account. I would receive the credits within 7 days. 

XXXX at maybe XXXX XXXX : I see that all XXXX fraudulent charges have hit my account for some reason so I filed a dispute and I also see a note that a charge was denied because the wrong expiration date was used. 

XXXX at XXXX, I called chime to inquire about the evidence they used in determining that I made those charges. I was transferred 7 times despite requesting every time I needed to speak with a Dispute manager. They concluded that it was me who made all of those charges and told me that If i wanted to file a rebuttal, I would need evidence that it wasn't me who made those charges. I requested for them to send me all evidence they used in their determination including ip addresses, or pin codes being used if in person transactions took place, or any sort of photographic evidence i was making these transactions in place. He repeatedly asked me what proof or new evidence I had to show it wasn't me to which I became upset because how do I provide that i didn't use my card when it was fraudulent? I didn't have enough information to which he could not do a rebuttal since I had no new information. I asked him why CHIME continued to allow all the XXXXXXXX XXXX transactions to go through when I responded to their TEXT Please help me investigate their decision and claiming that they have evidence I made all of these charges. I did not authorize any of these transactions above, and do not know what evidence I can show them that I didn't make it unless they have ip addresses or photo/video that i did and we can compare me to them. 

Thank you so much for your help.

Company response to consumer: Closed with explanation