Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> procured fraudulent charges from XXXX onto my time banking card. There were XXXX different charges totaling and {$57.00}. I thought the first  XXXX was a mistake and by the second  XXXX  I realized that someone had been charging my XXXX card. My wallet was stolen out of my car and I filed a police report. My negligence was not immediately canceling my cards, with everything else going on at the time I had honestly spaced it. That is my fault. The second those charges came in I canceled my card and filed a dispute with chime. I uploaded a lot of evidence including statements from XXXX proving it didn't come from my account, an email from XXXX, the merchant stating that those charges are not come from my account. I was on XXXX separate conference calls with chime in XXXX with them claiming those did not come from my account. I uploaded proof of my XXXX account and also from XXXX themselves stating that that card was never hooked up to my account. And also show dates of the last purchases I made and the delivery dates which also did not align with when those fraudulent charges were made. They are refusing to help me and claiming they still need more evidence. They did not write down the reference number for the police report and said even though I made the phone call I'm going to have to go get a physical copy and record of it and upload it and then maybe they'll think about accepting my claim. I have provided all of the evidence necessary listed on their website proving that I did not make those charges and they are still claiming they are not accepting that because there is no physical way that someone could have had my card in my information. Because there is no physical police report for them to see. Aside from the physical police report there is adequate evidence even the merchant themselves is saying it wasn't me, and this is blatant negligence on their investigation teams part. This thief has had more protection on my bank account than I have. It has been XXXX  months of me dealing with this the original claim and then XXXX disputes on top of that, working on the XXXX one. They also lied to me on separate occasions the XXXX  time stating that they have contacted XXXX, the merchant, and that XXXX has claimed that there was no error made. In XXXXXXXX XXXX defense if that card was not hooked up to my account ever and those charges are showing that they weren't coming from my account then XXXX system is going to show there was no error made to my account. The second time they tried claiming that it was XXXX who is responsible for these charges. Since XXXX is the merchant then it is their full responsibility to refund me. The other time they claimed that they have contacted XXXX, the merchant, and stated that XXXX was denying the refund themselves even though that they had already reached out to the team. I then finally got a hold of a XXXX a second time, because the first XXXX argued with the last XXXX XXXX dispute representative and then hung up on them because they said they were not responsible and time needed to do something, this conversation has been recorded. The other XXXX, the final one I spoke to said he looked and saw that there was absolutely XXXX attempt of their team reaching out in contacting XXXX, the merchant ; so those were blatant lies that they told me. They said their dispute team has a different way of looking at things than other Banks and the best he could tell me is they saw that there was no way for someone else to get a hold of my card and the only way for me to possibly get my money back is to upload the physical card or hard copy of the police report even though I admit all of their other requirements. I was told that XXXX  XXXX  XXXX for their disputes is their own department, with no phone number or phone contact, the only way to reach them is via email, and the only way to contact them via email is if you upload new evidence to your dispute otherwise they do not reopen the claim or speak with you, and was also told that they do not have a XXXX. I was told to upload the physical hard copy of the police report and then give them the reference number for the claim on the CFPB report, and that " might '' help my claim.

Company response to consumer: Closed with explanation