Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
b"Ive filed a complaint with CFPB against Chime on XXXX cases XXXX. Chime never responded back CFPB complaint its been over 45 days & counting Ive provided a significant amount of evidence that as not been addressed. Chime continues to show negligence tampering with evidence & falsely submitted inaccurate information among other violations they continue to commit. Chime denied my dispute for unauthorized charges again even with evidence provided that proves my case. Dispute case #XXXX for the amount of XXXX. Ive demanded for Chime to send me a written explanation of the final decision & the supporting evidence they used to deny my claim & chime send nothing. Ive provided over 25 or more documents that Ive submitted & attached to dispute that clearly wasnt reviewed evidence that proves my claim & Chime still denied dispute. My next step of action is to file a case with American arbitration association. Chime needs to be held accountable immediately. How do you not respond to the CFPB in 45 days with a significant amount of evidence thats proves my case? But on XXXX  Chime denied my dispute again no response to the CFPB 45 days pasted & over 25 or more documents that was send by myself that clearly shows fraudulent charges. Ive contacted Chime on XXXX & spoken with a representative that said hes and specialist manager. I explained my situation clearly & also provided evidence that proves my case #XXXX for unauthorized charges. Chime representative said the unauthorized charges thats was approved for $XXXX from XXXX XXXX was miscategorizes as non goods and services when it was an unauthorized charges. Chime representative continued to give false information & opened and falsely claim that he opened for a direct depositing investigation XXXX ticket# & told me on record it was to change the categorizes to unauthorized charges but lied & filed false documents. Chime purposely did that the call is being monitored & recorded. Ive contacted a chime representative this morning on XXXX  & explain the matter at hand & gave her the information with the falsely above ticket number & was told that ticket that was open was for direct deposit. She then assisted me seen the evidence & proof that was send by myself & also the false & incorrect documents from the chime representative. Shes confirmed on record that she see everything that transpired & see the calls from XXXX & there was nothing said by myself about an direct deposit it was for Miscategorize dispute and apologize for the inconvenience caused. She then continues to work on my complaint & then given me an reference number XXXX. She also say she sees the forward emails & other documents that Ive send thats evidence & will prove my claims. The emails & screenshot thats been fwd is indeed evidence & more proof also to support my claim for unauthorized charges. On XXXX XXXX I contacted XXXX XXXX  regarding an unauthorized transactions thats was place XXXX XXXX for $250. Theres records and recordings of the interaction. The unauthorized transactions on March 2nd is 1 out of 3 that day its shows them fraudulent charges was placed on the same day & time & their were 17 more fraudulent charges. The unauthorized charge for $XXXX was approved & my funds was returned to account. It doesnt make sense all them fraudulent charges are on the same date & back to back & XXXX XXXX find that the fraudulent charges was indeed fraudulent & return $XXXX The proof is all there I demand my funds to be returned to me immediately. Ive called months ago saying the same thing & XXXX XXXX approved my claim finding unauthorized charges to be accurate. For the past few months Ive been gathering information plus evidence to support my claim & prove the dispute that was filed for unauthorized charges that occurred on my account. Back to back unauthorized charges was placed for a large amount of money & XXXX XXXX continues to show negligence towards the fraudulent charges. Ive ask for documentation & was locked out my account for no reason whatsoever due to me filing a dispute & opened a complaint against XXXX XXXX. Ive send numerous emails & never received no response back from no one regarding the unauthorized charges. Ive reached out to XXXX XXXX XXXX XXXX XXXX  & also CFPB, an open investigation is ongoing at the moment & I will like for this matter to be resolved. XXXX XXXX  will be held accountable for their conduct & actions. XXXX XXXX also deleted information & forge documentation. Documents like the transaction history was altered & some things were deleted. There are over 20 or more emails & letters from me & yet Ive received a response nor my money returned back to me. Please turn over all information. Ive spoken with a representative regarding this situation months prior her name is XXXX XXXX  & she suggested that someone in my household could be responsible for the unauthorized charges. My wife & I questioned my children regarding this matter & they say they have no idea of those unauthorized charges. I was advised to contact an attorney & Ive also spoken with police. Like I explained to the police officers I was told by an employee from XXXX XXXX  to get help on this matter.XXXX XXXX strongly suggests it could have been one of my children & I was truly confused by her statement. XXXX XXXX continues to give false information & try to keep suggesting its someone in my household that made XXXX unauthorized charges. My children are minors & are under (XXXX years old) XXXX charges were fraudulently charges & like Ive stated previously we asked our children & they swear they know nothing about this. Actions were taken & will continue to be taken against XXXX XXXX  Its illegal to have a minor under XXXX  years old) place an unauthorized transaction to gamble. XXXX fraudulent transactions XXXX. Its very disturbing to know someone can make several unauthorized charges XXXX to be exact for the amount of $XXXX XXXX XXXX continues to show negligence towards this issue at hand & also knows them transactions were indeed fraudulent charges & continue to try to cover it up. Minors thats under (XXXX years old) XXXX fraudulent transaction & its very illegal for minors to place sport bets & XXXX XXXX is money hungry & allowed it. XXXXXXXX fraudulent transactions back to back that doesnt raise no suspicion? My funds will be returned to me I assure you that & legal action against XXXX XXXX among other things been taken immediately. Therefore XXXX XXXX is implying that someone in my household access my account without my consent nor acknowledgment. XXXX unauthorized transactions sometimes 4 fraudulent charges at ones & that wasnt suspicions & didnt raise any questions. My children are all minors & under the age of (XXXX  years old) its illegal to have a minor place XXXX fraudulent charges. XXXX XXXX  is so money hungry they let the fraudulent transactions happen. XXXX XXXX says the XXXX unauthorized transactions was processed from the same device. So correct me if Im wrong XXXX XXXX is saying someone can access my device & make fraudulent charges & its okay even though you never gave no permission nor had any acknowledgment to the fraudulent charges? Also XXXX XXXX knows its illegal but still accepting minors to make fraudulent charges emptying my savings. XXXX XXXX is the biggest criminals & its being displayed.      Sent from my iPhone Begin forwarded message: From: XXXX XXXX Support  Date: XXXX XXXX XXXX at XXXX EDT To: XXXX Subject: Re: 'XXXX #XXXX XXXX Reply-To: Caesars Sportsbook Support   Profile Image XXXX XXXX Mon, XXXX XXXX XXXX XXXX UTC Re: 'XXXX #XXXX XXXX I'm happy to help with your request. At XXXX XXXX your security is our top priority. Before approving your change request, we need to verify some information. To change your phone number and/or email address, please click this link to open the XXXX XXXX Change Request Verification by XXXX  to verify your identity and provide us with the NEW phone number and/or email address you would like to use on your account. Please allow up to 24 hours for your request to be processed. You will receive an email upon verification. XXXX Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX  UTC XXXX #XXXX XXXX  Thank you for contacting XXXX XXXX  and XXXX  Customer Support. I will be the escalation specialist assigned to your case. Please give me a call to discuss your issue further. XXXX  Escalation Specialist I XXXX XXXX  and XXXX  Customer Support XXXX  My office hours are XXXX XXXX  to XXXX XXXX Pacific Standard Time- XXXX  through XXXX. Profile Image XXXX XXXX SunXXXX XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Thank you for using Live Chat. Have a wonderful day. XXXX XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') No thank you XXXX XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Okay thank you Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Is there anything else I can assist you with? Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX  UTC XXXX('EMAIL_SUBJECT') If you believe your information is compromised, I would advise you to contact your bank regarding this incident. We will still be conducting our own investigation of this issue, and we will let you know the next steps needed to resolve this matter within the next 24 hours. XXXX XXXX XXXX  Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Yes should I contact my bank to let them know what going on? Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX  UTC XXXX('EMAIL_SUBJECT') Do you still need my assistance? Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') Is there anything else I can assist you with at this time? Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') That is correct. The next steps will be detailed in the email after we investigate this matter further. This will be within 24 hours. XXXX XXXX XXXX  Sun, XXXX XXXX XXXX XXXX  UTC XXXX('EMAIL_SUBJECT') Okay please let me know what I have to do. Ill be receiving an email from Yall within 24 hours Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Do you still need my assistance at this time? Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Is there anything else I can assist you with? Profile Image XXXX XXXX  Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Hello, XXXX. Thank you for your patience. Unfortunately, it seems this matter will require further investigation in order to find a solution. Please allow me up to 24 hours to provide you with a resolution. I will contact you through your email as soon as possible within that time frame. Profile Image XXXX XXXX  Sun, XXXX XXXX XXXX XXXX  UTC XXXX('EMAIL_SUBJECT') I understand. Please allow me a few minutes to investigate this matter further. XXXX XXXX XXXX Sun, XXXX XXXX XXXX XXXX  UTC XXXX('EMAIL_SUBJECT') Someone used my account without my knowledge & Im trying to figure out the steps to take to try to recover the funds that was taking Profile Image XXXX XXXX  Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') I certainly understand. Unfortunately, I do not see any issues with the account or with the payment method. As it shows, it was a regular deposit. Could you please explain the course of action you would like us to take regarding that transaction? XXXX XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') There was tickets also I see that was placed that wasnt me it was unauthorized Ive contacted my bank about this matter to see if I can resolve this issue also Ive changed my password to my devices thats has my card numbers on file XXXX XXXX XXXX Sun, XXXX XXXX XXXX XXXX  UTC XXXX('EMAIL_SUBJECT') Ive ask my children & family has anyone of them use my account without my permission XXXX XXXX XXXX  Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') Yes Ive used my card before thats the card I have on file Profile Image XXXX XXXX Sun, 25 XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Thank you for verifying your account, XXXX After reviewing your account, I can see that the charge you are referring to was made through the same card you use for the deposits. Could you please clarify what you mean when you say it wasn't placed by you? XXXX XXXX XXXX  Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') XXXX XXXX XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') XXXX Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXXt('EMAIL_SUBJECT') I understand. I will send the code to your email address. Please let me know when you receive it. XXXX XXXX XXXX Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') Yes my number thats on file isnt available XXXX XXXX XXXX Profile Image XXXX XXXX  Sun, XXXX XXXX XXXX XXXX UTC $XXXX('EMAIL_SUBJECT') I apologize for this inconvenience. I'm happy to help you today. For security purposes, I will send a text code to the phone number registered to your account. Let me know when you have received the code. XXXX XXXX XXXX Sun, 25 XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') Yes there was a charge that wasnt placed by me for $XXXX on XXXX XXXX Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX  UTC XXXX('EMAIL_SUBJECT') Are you still there? Profile Image XXXX XXXX  Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Hello XXXX Thank you for contacting XXXX XXXX My name is XXXX. I see you are contacting about deposits; is that correct? Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Let me connect you to a Live Agent XXXX XXXX XXXX  Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT') Connect me to an agent Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') Card: What do you want to do? Return to Main Menu, Connect me to an agent XXXX XXXX XXXX Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') No Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') Card: Does This Answer Your Question ? Yes, No Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') You can securely deposit and fund your Caesars account using a debit and credit card. Currently XXXX XXXX XXXX XXXX and XXXX XXXX are accepted. Please note that because gaming websites convert credit card transactions to cash deposits, your bank may consider this a cash advance and charge a cash advance fee. XXXX XXXX does not control this fee or derive any benefit from the additional charge. Some banks do not allow deposits to online gambling sites. For more information regarding fees and restrictions please contact your bank. To find out if there are any restrictions to this payment method in your state, please refer to the  State Payment Method Restrictions and Regulations. XXXX XXXX XXXX Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT')  Credit and Debit Card Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') Card:  Please select which deposit method you used:  Credit and Debit Card,  XXXX XXXX Prepaid Play+ Card,  ECheck by VIP Preferred (ACH),  Online Banking,  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wire Transfer XXXX XXXX XXXX Sun, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX('EMAIL_SUBJECT')  Deposits Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXX('EMAIL_SUBJECT')  How can I assist you today? Please select one of the options below so I can assist you better: QuickReply Buttons: XXXX  Account,  Bonuses & Promos,  XXXX Rewards,  Deposits,  Responsible Gaming,  Withdrawals,  Issues with account access?,  Wire Transfer,  Win/Loss Statement, XXXX XXXX  Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX XXXX XXXX('EMAIL_SUBJECT') Hi XXXX XXXX , how are you? XXXX XXXX XXXX Sun, XXXX XXXX XXXX XXXX  UTC XXXX('EMAIL_SUBJECT') Thank you for your information Profile Image XXXX XXXX Sun, XXXX XXXX XXXX XXXX UTC XXXXXXXX('EMAIL_SUBJECT') Contact Details Form:  Please provide the following registration details to start the chat:"

Company response to consumer: Closed with explanation