Consumer complaint received 2025-09-25 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: KY

Complaint narrative:
on XX/XX/year> i started getting unknown charges to my chime credit builder card and debit card because the cards were lost or stolen on or around XX/XX/XXXX XXXX chime was not helpful. they do not have consumer protection as they claim. so in order for me to dispute these fradulent transactions they force me into making a phone call from them and when i do its impossible to understand them because they are foriegners. what should take about 5 minutes to do ends up taking about half an hour or more because of the language barrier. i have repeatedly asked the, for information rlated to the transactions like merchant i.d . numbers etc. again its very hard to understand them. i have asked for them to block the merchants and they claimed they did several times and didnt. i even changed my password. i even got them to send me new cards wth different numbers and they did but they claimed the person making the charges were not able to make anymore charges, and that wasnt true because they keep making charges to my new cards. i have had to call them or have them call me so many times and all ive accomplished is nothing. i have had to call and file disputes for each transaction and what i mean is they only seem to let you do XXXX dispute at at time. meaning if i have XXXX fraudulent transactons i have to make XXXX seperate calls to dispute each one. i have disputed several of these transactions but they only choose one out several to let me dispute at a time. they have not offered me any kind of help. i even tried speaking to a supervisor in their chat option and they immediately ended the chat aftyer telling me they were supervisor. so altgether i have lost about {$88.00} there was a little more but they let me dispute those charges. i have asked them several times to block the merchants that allow these charges and they claim they did but they clearly didnt. the main merchant is XXXX. thats where all my charges are coming from. i have contactcted XXXX  but got nowhere because i am not their customer. i have repeatedly tried making a ploice report but havent had very much luck getting in touch with an officer because of where i live. im in a rural area that is far from civilization. after about XXXX weeks of trying i was able to get in touch with an officer today and was able to file a police report. i have to add that i am XXXX and i am expecting my monthly check to arrive on my card and i know for a fact ill not be able to pay my bills because of this. the last time this person attempted to charge me on my cards was today XX/XX/XXXX XXXX since im XXXX and expecting a check to arrive any day now to my chime credit builder and debit cards both. i can not cancel my account and start over with a new one. i have filed complaints against chime with the XXXX  and they sent me a response that did not help me. they wanted me to call them. and like i mentioned when i do i get nowhere because they either dont know what they are doing or i cant understand them. my name is and my email is the easiet way to get in touch with me. thank you for your time.

Company response to consumer: Closed with explanation