Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
On XXXX XXXX i filed XXXX disputes ( XXXX for non receipt of goods paid for and XXXX for unauthorized use. i am not sure why it was done this way as all of them were items unreceived this was chime banks decision ). i will split them into XXXX the first and most amount of money was on my visa credit builder credit card and denied for " not enough information '' .It was for many many items bought on the XXXX XXXX website over about 2 months and over XXXX $ worth of items not just never received but not shipped even. the XXXX dispute was for unauthorized use of my debit card also visa brand and also chime financial. these were also XXXX XXXX  charges and were successfully disputed and i was compensated for the money charged on my debit card ( less than XXXX $ about XXXX of the amount i paid for the items never shipped. ), but all of the charges from that company that went on my credit card were denied by the dispute, they stated " not enough information ''. I was confused and upset, because i didnt ever get my merchandise and still they denied it. I was unable to print out the proof of the non receipt because the company ( the undelivered merchandise was purchased through a company that locked me out of my account was called " XXXX XXXX '' a XXXX purchasing, shipping, storage and package consolidation company ) locked me out of my account when i let them know that i was contacting my bank. I'm sure this is a common occurance and i have had this unfortunate thing happen to me years before but through XXXX, and they had no trouble getting me my money back because that company was unable to provide tracking numbers. it seems the XXXX at chime never called and asked for proof of the delivery of items bought, or they would have decided in my favor. After this was denied i filed with XXXX who within a matter of XXXX days recvered the funds that were charged through XXXX  and never received. XXXX charges XXXX was XXXX $ purchased XX/XX/XXXX and the XXXX was XXXX $ purchased XX/XX/XXXX but never received. i am left to believe that the chime bank investigators did not even ask for the tracking numbers for the disputed items as i have already stated, because how could they say not enough information, and yet XXXX had no problem verifying those purchases from XXXX XXXX that were never received ( the items that i purchased myself went through XXXX always, the other charges were made only through my bank using a card i had to leave " on file '' )? 
some important info on the company that I filed the disputes on XXXX XXXX XXXX XXXX  worked as a purchasing company of goods in XXXX for people that could not speak XXXX, or so they said. they then would hole your items in storage for up to XXXX  days while waiting toreceive ALL the purchasesmade using their website, then they would consolidate them and ship them together to save money on shipping many small items. although i did not give them the authorizartion to run my credit card because i wanted to pay using XXXX however I had to leave my card on file as they were paying for the goods upfront ( that is what they said ). I was not supposed to pay until it was received at the warehouse and checked by XXXX to make sure it was as described. XXXX  started running my purchases themselves and did not use XXXX as i had stated i needed to use. i even paid XXXX $ for the shipping of one of my XXXX packages and they returned the shipping fees to the bank and then locked me out of my XXXX account after i had over XXXX $ worth of goods being stored awaiting consolidation and shipping when they did this. 
since I could not access my account to print screen the fact that it showed my items still in storage and not shipped i wrote a detailed statement about exactly my experiences. I would have filed with XXXX because I know they value their customers and have done a thorough investigation that ruled in my favor ( and stated when i filed that they always rule in the customers favor on non receipt of goods, and that it is the consumer protection policy. ), but almost all of my purchases were made by the company running my card through themselves without my authorization ... and didn't use XXXX. i filed with chime bank and waited and waited. then i received a notification on my app that they denied for not enough information and ruled in my favor for the small dispute they filed under unauthorized use. there were many charges I disputed on both accounts i believe over XXXX and they ranged from XXXX $ to over XXXX $ and over a couple of months. 
This has lead me to your website hoping, no praying for some help on this issue. I am a XXXX XXXX XXXX and I can not afford to lose this money. I feel there is a glaring amount of incompetence on the part of chime investigators, i will help in any way i can in order to get my money back for items i did not receive but paid for. I believe the consumer protection policy has not been followed by them and would like my money back and also some kind of penalty for chime bank so they do not do this again to someone else. 

Thank you in advance, XXXX XXXX ( my bank account is under this name, the email address it is under is XXXX that is not a joke it is my real email that i have used for about 8 years ) i would prefer a call or even better a txt if you are able ; my email tends to filter out many of my personal emails even when i add the email address to the no spam list.

Company response to consumer: Closed with explanation