Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to submit a claim against Chime Bank, who has denied my dispute for fraudulent charges and refuses to return the amount of {$170.00} which was stolen from me XXXX after my car was burglarized in XXXX XXXX XXXX CA. I have already provided a police report of the incident in which my car was broken into and my debit and credit cards were stolen on XX/XX/XXXX to Chime Bank as well as a written statement that included photographic evidence of my burglarised car and GPS evidence that placed me in XXXX XXXX at the time of the charges, almost 200 miles away. 

On XX/XX/XXXX at XXXX am, I was sent a text from XXXX XXXX XXXX, alerting me that there may be the possibility of fraud. I was coming home from a friends house and when I saw this text, I rushed back to my partners house where my car was located to find my car completely ransacked. There were items thrown all around my car, my fuse box and middle console was open, and the lock to my driver side door was broken. All of my credit, debit, and gift cards were all stolen from under the drivers seat. The cards were a Chime Visa debit card ending in XXXX and a XXXX XXXX Credit card ending in XXXX. I called XXXX and then the XXXX XXXX Police Department hotline where I was able to give an initial statement with XXXX XXXX. 

I immediately cancelled my credit card and froze my virtual Chime card, thinking it was the physical card, but it was only the virtual card. I did not know I did not freeze the Chime card until it was the next day when I was getting alerts that charges were being placed on my card. Immediately, I called Chime Bank to cancel my card and to send me a new one. I was not able to submit a dispute until the charges were no longer pending, but I did call the merchants. They said the only thing I could do was file the disputes as the customer support for all merchants were unable to refund. Each charge ( which can be seen on the police report I submitted ) were all done in XXXX XXXX. I was able to trace all ten charges back to the respective store numbers, all in XXXX XXXX, also shown in my submitted documents and police report. 

Note that the charges were made on XX/XX/XXXX between XXXXpm and XXXXpm in these XXXX XXXX locations . I was not in XXXX XXXX on this day or during these times. I was in XXXX XXXX, CA at the amusement park XXXX XXXX XXXX with my XXXX XXXX XXXX XXXXXXXX  as proven by the timestamp and geo-location circled in the documents. 
XXXX XXXX XXXX XXXXXXXX and I were all visiting the theme park from around XXXXam - XXXXpm and XXXX XXXX is a 2 hour drive minimum from XXXX XXXX and where these charges were made. In fact, the time stamp shows XXXX which is during the time period where charges were made in XXXX XXXX XXXX The fraudulent charges were made from XXXXpm - XXXXpm on XX/XX/XXXX. Since my card was reported stolen on XX/XX/XXXX and it is impossible for me to have been in XXXX XXXX during the time of the charges, I could not have been the person that charged the card ending in XXXX and the charges should be deemed fraudulent. Another detail to note is that the person who stole my card went to 6 locations within 4 hours. If you look at my previous spending patterns, I never spend that much over such a small time frame and I have never been to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  After talking to XXXX XXXX, he also told me there is video of a man using my card at XXXX XXXX at the time designated. 

. This has been an extremely stressful experience as my car was burglarized and damaged ( as seen in the police report ) and it has not been any easier with the Chime team looking at this case. In the email sent to me by Chime Support, there was no evidence provided by the merchant and yet I was still denied. Even with the police report and written statement I have provided, I get no explanation as to why I keep being denied. I want it to be noted that after reporting this fraud to my credit card XXXX XXXX, they immediately found my claim to be fraudulent and returned my money.

Company response to consumer: Closed with explanation