Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NJ

Complaint narrative:
b'Situation : \n\n  Over a period of approximately six months, I made multiple payments under this false gaming platform. After collecting these payments, the developers discontinued support for the game, and the application was officially removed from the Apple App Store. Apple has confirmed the removal, resulting in my permanent loss of access to my game account, characters, and all purchased digital content.\n\nFollowing the removal of the game from the XXXX XXXX, the same developers publicly re-announced the launch of a new game, further demonstrating abandonment of the original product after funds were collected.\n\nAdditional public evidence supports this fraudulent conduct. Legitimate public forums such as Reddit contain numerous reports from other affected users, and promotional activity on platforms such as XXXX  was largely conducted by paid advertisers rather than genuine players. Copies of this public evidence, along with XXXX  confirmation of the apps removal, have been included in the previously submitted supporting documentation.\n\nAlso , the game developers engaged in material misrepresentation by presenting their payment flows as legitimate XXXX XXXX XXXXe in-app purchases. In reality, payments were redirected to external third-party websites controlled by the developers rather than being processed through Apples authorized system. This deception caused me to reasonably believe the transactions were protected, compliant with XXXX  policies, and approved by XXXX. Had the true nature of these transactions been disclosed, I would not have authorized any payments.\n\nBecause the purchased digital services are no longer accessible, usable, or recoverable and because these services were expected to be continuously available immediately upon purchase this situation constitutes full non-receipt of services.\n\n\n\n   I am disputing debit card transactions made through XXXX  XXXX  for a digital service that was not delivered. The transactions occurred over a period of time (dates and amounts are listed in the complaint as well ).\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAfter completing payment, the promised digital service was not provided, and the merchant failed to deliver what was advertised. I contacted the merchant directly and requested clarification and proof of service delivery, but no meaningful response or evidence was provided.\n\nI reported the issue to Chime XXXX XXXX and filed a debit card dispute under Regulation E for non-delivery and misrepresentation of a digital service. Despite submitting supporting documentation, including confirmation that the merchants application has since been removed from the Apple App Store and evidence of public consumer complaints, Chime XXXX XXXX) denied my dispute.\n\nI formally requested a Pre-Arbitration Reconsideration.However, Chime (XXXX XXXX)  denied the dispute again without providing documentation proving that the digital service was delivered or explaining what investigation was conducted as required under Regulation E.XXXX XXXXm requesting that Chime (Stride Bank) correct this error, conduct a reasonable investigation as required by federal law, and refund the disputed amount.'

Company response to consumer: Closed with explanation