Consumer complaint received 2025-10-13 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: WA

Complaint narrative:
I noticed on the about XXXX of XXXX that XXXX had been withdrawn from my account with my credit builder card at an ATM and a bank called XXXX. I could not recall that I had made this withdrwal. I called chime bank immediately and opened an dispute. I think I opened the dispute on or around the XXXX to the XXXX of XXXX. The withdrawal was made on XX/XX/XXXX at XXXX XXXX I requested that Chime please do an investigation into the withdrawall. They agreed. When I looked at my banking info, I noticed the dispute had been stopped and the notes were that they looked into it and saw no issues. I asked them to send me proof and they did not do that. At that point they offered to start another dispute. This next dispute they started and stopped within 2 days. I again asked for the info about how they went about the investigation. They offered another dispute. I asked how all these disputes are helping if they are just saying no issues that I made withdrawal. BTW ... in the beginning when I first saw the dispute there was no way for me to tell who or where the bank was I made this so called withdrawal from. They did not have a bank attached to it. Sometime during second dispute all the sudden XXXX was added.Now they have come to a decision with third dispute and that was that I made the withdrawal. I asked them how the made the decision. You will see on the paperwork I added what the answer is to that. During the time all the three so far disputes are happening, I have been asking them to please get camera footage from the bank or the ATM. They told me anything I asked them to do that had too do with XXXX I was to do. That is not true it is there job. They did not do any leg work I did it all. When third dispute ended they right away said " XXXX I think you should start another dispute this is your money you deserve to have your money ''. I foolishly started another dispute. I read that the more disputes you do the less time it should take. The 4th dispute took them almost 3 months. Interestingly enough when I sent in another form of proof, the next day the dispute was stopped and I was told it was not found in my favor. I asked them again can you send me proof of what you got from XXXX from the all four disputes and they would not send me anything. Just a pathetic list of things they say they used to look into and not one of them has anything to do with the ATM withdrawal. I am on SS and I only get XXXX a month XXXX is a significant amount of my monthly income. I sent them in a police report a copy of the form I was given it looks like by the CFPB. This was to prove that I was and have been going through the worst fraud. They ignored everything. They also did not do there job when it comes to what is it they have to follow during an invesigation and put the work on me. I felt like I was being patronized and it did not matter what happened it was not something they were going to do investigate. I had one woman ask me how it was I let someone get my banking information. I was so angry but I told her " what kind of question is that have you ever gone to an ATM wirgh a friend? One last thing is that my credit builder account is an account to help build credit. I think my credit has gone up 4 points over a year. I get my SS put into my checking account and if I need to get all my money out of my account at one time I have to move it to my credit builder account. Every month I have to move all my money to the credit account so I can pay my rent. My checking account only allows for a withdrawal max of XXXX perday. This is also what disqualified me from getting any financial help during the dispute process. That said because I move my money to XXXX account, I don't qualify for any financial help. This is because they make it or try to make you think that the credit builder money is there money no yours. As soon as the last dispute was over they told me I now owe them XXXX. Its my money I withdrew. Not once was it there's it's a transfer from my checking to my credit builder. This is just an fyi... I was not able to upload anything I do not know why. I do have proof of everything I did including a police report a complaint about fraud to the CFPB all my corresponding requests and comments to the bank

Company response to consumer: Closed with explanation