Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
On XX/XX/XXXX XXXX eats charged {$6.00} to my Chime account. I immediately contacted XXXX to inform them of the unauthorized charge and then contacted Chime the next day when the charge was no longer pending. I had to submit message to XXXX so I had to wait for a response. I disputed the charge with Chime on XX/XX/XXXX. On XX/XX/XXXX I received email from Chime stating that my dispute was denied ( no reason given ) so I appealed the dispute on XX/XX/XXXX. This time I uploaded documentation showing proof that this was unauthorized charge. I was able to send copy of discussion I had with XXXX along with the email I received from XXXX stating that this charge was authorization hold and it was voided on XX/XX/XXXX. I also uploaded screenshots of my account showing no activity or orders. I also included a screenshot of the order activity page showing no orders but there is a notation at top stating I have an outstanding balance of {$25.00} for previous trip on the same page that it shows I have had no trips! I also spoke to XXXX different agents around this time explaining all of the proof I had and the progress I had made with XXXX on this charge. Then on XX/XX/XXXX I received another email denying my dispute with no reason given except to request copies of the documentation that was used to make there decision so I requested the information. I received an email from Chime today XX/XX/XXXX with the documentation they used and all of it was my documentation, nothing from the merchant or anyone else for that matter!! They couldn't have investigated or even reviewed my submissions because if they had, they clearly would have seen that this money was not authorized and should not have been charged to my account. I sent email to support at Chime on XX/XX/XXXX after seeing the email address given for us to use and then I received an email back saying that the email address isn't monitored!! I then called Chime on XX/XX/XXXX to get answers as to why it was denied because the email they sent me didn't give me any information I didn't already have since I was the one who supplied it. The first agent I spoke to put me on hold and XXXX minutes later still no sign of her so I hung up. I then called back again and spoke to an agent for XXXX minutes and then she just vanished and never heard from her again so I called a third time and spoke to a gentleman who at first seemed like he would help me and then he said that my information I supplied was irrelevant to the case right after he said that he had no information to give me on the dispute because he could not see any of that information. My thought then was how could a letter from the merchant stating that charge was voided and should be back in my account within 3-10 business days? The same charge I am disputing??? How can that be IRRELEVANT? I could tell at that moment he wasn't going to help me. He then said I couldn't appeal the decision because I didn't have new information and I said but I do and proceeded to tell him that they are trying to say this is a charge for an order back in XXXX of XXXX!! Again, there are no orders on my account with XXXX, I didn't use Chime account back in XXXX of XXXX, this is all new info I didn't supply at first because I thought what I submitted was more than enough information and at the time of the dispute, and I wasn't aware of this XXXX date until after disupte was filed. I originally had told agent at time of dispute, i thought it was for a chargeback done back at the beginning of the year but the agent told me that the amounts were different so it wasn't that, plus the fact that in the past I had to dispute charges with XXXX because there were unauthorized charges on my account and Chime refunded me these charges and told me that they were putting a block on my account so no future charges would be done from XXXX on my account. I still continued to have problems and they told me at the time that XXXX uses so many different spellings and ways they put there name when they charge debit cards that is why some charges continued to get through. I am so disapointed with the way I have been treated and I have been a customer with them for a couple years now and have my direct deposit going into that account and everything. I told the agent I was reporting them to any and all authorities because of this. What they are doing is just as fraudulant as what XXXX did, and the customer service is one of the worst I have had to deal with. This is over {$35.00} which isn't alot but for me, a single mother trying to make it, it might as well be {$100.00}.

Company response to consumer: Closed with monetary relief