Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX XXXXXXXX Standard Time I received a notification through the CHIME banking app that I had spent {$2300.00} on a charge called XXXX XXXXXXXX as XXXX. Recognizing that this charge was fraudulent, I opened the application and turned off both my physical and my digital cards. I was in possession of my physical card and had always been since its issuance in early 2025. I immediately contacted the CHIME customer service support through the chat which took approximately XXXX minutes to receive an actual human on the line. I then requested to speak with someone in the fraud department so that I could get the charge cancelled immediately. Once on the phone with the representative I was told that I would have to wait for the charge to clear or contact the vendor immediately to get this charge stopped at its source. I opened a claim with CHIME stating that it was a fraudulent purchase and then I contacted XXXX XXXX to request that they stop this purchase. Speaking to XXXX XXXX, I was told that they could not find any ticket information or purchase information based on my name or my card number since it was still pending and I would have to wait until the charge updated to receive a XXXX digit number that is in the description of the purchase through my bank. I then called CHIME back and wanted to add a note to the claim that XXXX XXXX did not have any record of my name or my card being used at this time due to it still being pending. On Monday XX/XX/year> I received notification that my claim had been denied through Chime citing No evidence of fraud. I then looked into my bank account and noticed that the purchase had changed names once it cleared, from Alaska air as XXXX to XXXX XXXX  Suspicious. and there was now a number associated with the purchase in the description. I called XXXX XXXX  and requested to speak with their fraud department to assist me in finding this purchase so that way I could get it cancelled or find more information to prove that it was not me that made this purchase. Upon further inspection we noticed that the number now showing in the account details of my CHIME account was only XXXX digits not the required XXXX from XXXX XXXX. Suspicious XXXX. I then contacted CHIME in order to submit a rebuttal claim to them showing further confirmation that I had not made this purchase in either location that it was showing ( XXXX, Ok for the XXXX, and XXXX, Wa for the cleared purchase ) as well as to provide them information including my current assigned duty station location through the United States XXXX and that I have not had any leave requests or travel plans. This rebuttal was submitted on XXXX XX/XX/year>. I was submitted with information showing the aforementioned details to include confirmed legitimate purchases prior to the fraudulent one showing my location. This rebuttal was denied on XXXX XX/XX/year>. I have proven that I was not in the location of the purchase made with my physical card information, I was not nor do I have permission to use said purchase due to my military commitment, and that the purchase data has been manipulated ( I believe by someone that works with CHIME or XXXX XXXX  ). This hardship brought upon me by CHIME refusing to conduct a full and true investigation and return the funds to my account that were stolen as well as the recent political unrest with government funding has forced me to use emergency funds for simple things such as food, gas to get to my assigned duty and pay mortgage for my family.

Company response to consumer: Closed with explanation