Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally file a complaint against both Chime Financial and XXXX XXXX XXXX XXXXXXXX, Member FDIC regarding my ongoing issues with unauthorized transactions on my account. My experience with both institutions has raised serious concerns about their practices concerning dispute resolution and customer service. 
During my period of incarceration, several unauthorized transactions were made from my Chime account. Upon discovering these activities, I promptly notified Chime and initiated the dispute process, providing comprehensive documentation to substantiate my claims, including : Official records verifying my incarceration, demonstrating my inability to authorize financial transactions during the relevant period. 
Detailed information about the specific unauthorized transactions in question. 
A letter from another financial institution, XXXX XXXX, approving my dispute based on the same evidence I submitted. 
Despite providing this conclusive evidence, which has been accepted by another financial institution, Chime has repeatedly denied my disputes without a clear or substantiated rationale. The denial letters have been vague, lacking the necessary details to understand the basis of their decisions. When I attempted to clarify my claims further, Chime informed me that they would not accept my letter as a basis for reopening the investigation. 
Key concerns I would like to highlight include : Repeated Denial of Disputes : Chime 's continuous denial of my claims, despite compelling evidence, reflects a failure to conduct a thorough investigation into my case. 
Unfair Dispute Resolution Process : Chime 's process appears arbitrary, dismissing evidence accepted by another institution that directly contradicts their findings. 
Insufficient Explanation for Denial : There has been a lack of clear and detailed explanations for the denial of my claims, complicating my ability to understand the decision-making process. 
Recent Attempted Fraud : On XX/XX/year>, there was an attempted fraudulent transaction on my account for {$320.00}, as well as XX/XX/year> for the amount of {$40.00} which were thankfully prevented this time. These incidents further emphasizes the need for Chime/XXXX to take my security concerns seriously and thoroughly investigate all suspicious activities on my account. 
Throughout this process, I have faced dismal customer service, now feeling caught in a cycle of being passed back and forth between Chime and The XXXX XXXX XXXX, Member FDIC, with little resolution. This lack of accountability is extremely disappointing and contradicts the high standards of service that I expected from both institutions. 
Given the gravity of this situation, I am also filing a formal complaint against The XXXX XXXX  to seek necessary rectification. I strongly urge both Chime and The XXXX XXXX  to reconsider the findings of my dispute and conduct a thorough re-evaluation of the evidence I have submitted. 
I look forward to your prompt attention to this matter and a timely resolution.

Company response to consumer: Closed with explanation