Consumer complaint received 2024-06-05 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: AR

Complaint narrative:
I am a XXXX veteran who served in XXXX and have XXXX XXXX XXXX XXXX from the burn pits. I have also been the victim of Identity Theft have letters proving this. I got locked out of my chime bank app because my phone is infected with virsuses and malware. Thieves reached into my account and took every dime I had, leaving me not a XXXX in which to buy food or pay bills. The theft occured using XXXX. I had made a complaint before with Chime Bank about someone using XXXX XXXX to make unauthorized charges to my account but they denied the claim. 
This time they have taken {$26000.00}. My wife has spoken with XXXX XXXX and they have stated that there is definite fraud that has taken place and they are doing their own investigation. Chime bank has denied my claim after only 2 days. I do not believe they even had time to investigate. I have reported the theft to the XXXX XXXX XXXX office as well as the Federal Trade Commission and filed reports with both agencies. 
The Sherriffs department stated that in fact there is Fraud involved by the sheer number of transactions and the times in which they occurred. The Sherriffs office was shocked that Chime Bank allowed these transactions to take place over and over and over again without reaching out to me to verify anything in any way. This seems to me to be a total lack of responsibility on behalf of Chime BANK. 
Now, they have decided to deny my claim to be reimbursed for the charges in which I did not approve nor did I have any knowledge of. I am still in shock that every dime I had is now gone with no hope of recovery. Why did Chime Bank NOT put a stop to this? You will see what I mean as I am attaching copies of the transactions, not only the sheer number of them but the amounts and the times in which they occurred. On XX/XX/2024, for example there were XXXX transactions totalling {$5100.00} to XXXX person. And according to XXXX XXXX and independent investigation this person is fictiticous. XX/XX/2024 the same person transacted {$4200.00}, and on XX/XX/2024 {$1600.00} again by the same person. This is just XXXX person in 3 days that does not include the other XXXX people. 
XXXX XXXX, from XX/XX/2024 - XX/XX/2024 took thru XXXX XXXX {$5200.00}. XXXX XXXX between XX/XX/2024 - XX/XX/2024 took {$6800.00}, another ficticious person XXXX XXXX, between XX/XX/2024 - XX/XX/2024 took {$9900.00}. Even stranger is the fact that these transactions were at the same time while others were just minutes apart. Wouldn't that in and of itself be a red flag to the Bank? 
This stress is very very bad for my health my wife is the XXXX helping me with this problem, I am not physically able to deal with all of this. I also suffer from extreme XXXX  XXXX, I am housebound and like I said have severe XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and now I am needing help for a matter that I had no knowledge of until it was too late. Me and my wife well, my wife mostly had to fight to receive the pay from the XXXX XXXX that was due me and to have it taken from us is beyond our comprehension. We cant even buy food, pay our electric bill or anything else all because we chose to use a non-bank. We are definetly moving to the Credit Union.

Company response to consumer: Closed with explanation