Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
b'I recognized transactions on my credit builder card that I did not conduct. XXXX was transferred from my Chime checking account to pay for these transactions. These are the fraudulent transactions. \nXXXX XXXX XXXX PM  General shopping\nXXXX PM  Convenience stores\n-XXXX XXXX XXXX XXXX XXXX PM  Restaurants\nThe XXXX transaction I was credited back for. I was not credited back for the XXXX XXXX transaction or the XXXX XXXX transaction. \nI went to the XXXX XXXX police station to file a report I believe XXXX XXXX. While I waited for the police to arrive at the station I contacted the merchants. This was the information that I have provided to chime from the merchants. \nCard ending in XXXX \n\nOXXXX XXXX XXXX XXXXnXXXX XXXX\nNon-emergency #: XXXXnCase number: XXXXnNon-Emergency #: XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX \nAir Pump at gas station \nXXXX XXXX XXXX  main office call XXXX to get location\nXXXX on main \nXXXX XXXX XXXX XXXX XXXX XXXX \nOver XXXX in XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL  XXXXnUnited States\nXXXX XXXX XXXX XXXX  \nXXXX  Store manager will be in XXXX XXXX XXXX XXXX\nXXXX lost prevention department \nXXXX, IL XXXX  US\nXXXX XXXX XXXX PM XXXX\nSuspect Purchased a straight talk phone\nDescription: Skinny guy purple wrist band, black flat bill hat fitted hat playboy bunny on the front. Blackish dark hoodie, blue jeans. Dirty light colored whitish grayish pare of XXXX. Aged dirty dark color Adidas book bag. Rides an orange bicycle. \nChime Dispute #: XXXX\nI have filled out an FOIA form to get the report from the police station and provided the police report to chime. Chime keeps denying my claim. I did not authorize these transactions. I did not allow anyone else to use my card. The card was stolen from me and was fraudulently used. If I am not liable for fraud then why are they denying my claim? They have told me they would email me a response as to why the claim has been denied and the latest email I received was today that just had all of the information I have submitted disputing the denial of the claim. I called and spoke with a representative who said they can reopen the claim if I again can provide anymore information. This is the reason why I went back to the police station to fill out the FOIA form to receive documentation of the incident for chime on November the XXXX. There is no more information, I have spent probably XXXX hours total over this fraudulent activity. Ive gotten all the details I could from the merchants, Ive contacted and the police immediately and had a new card sent to me as soon as possible. I want to be credited back the XXXX for the fraud and for chime to stop denying my claim. Ive gotten reported the fraud as soon as I saw the transactions and reported it to the police. If we are not liable for any fraud then I should have been credited back with no issues. Its upsetting I even had to go back to fill out a form at the police station then wait for the police to send me that report so I could send that report to chime and for them to deny my claim again. I never received a reason why my claim was denied. I was told AGAIN today in XXXX  to XXXX business days they will send me the reason why the claim is being denied. Ive never received any reasons as to why my claims are being denied.'

Company response to consumer: Closed with explanation