Prepaid card -- Problem with a purchase or transfer -- Complaint #12988505

Complaint Overview

Complaint ID: 12988505

Company: Chime Financial INC

Product: Prepaid card

Sub-Product: Government benefit card

Issue: Problem with a purchase or transfer

Sub-Issue: Card company isn't resolving a dispute about a purchase or transfer

State: Georgia

ZIP Code: 398XX

Date Received: 2025-04-14T12:00:00-05:00

Date Sent to Company: 2025-04-14T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Phone : XXXX Email : XXXX XX/XX/year> Chime Dispute Resolution Department Chime XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Unauthorized Transactions Case Numbers : XXXX & XXXX Dear Chime Dispute Resolution Team, I am writing to formally request a re-review of my dispute regarding unauthorized transactions on my account, which I believe resulted from the theft of my personal property. Below is a detailed account of the events and actions taken : XXXXncident Details and XXXX XX/XX/year> : My phone and wallet were stolen by my roommates. XX/XX/XXXX : I received my Social Security benefits on the same day my phones were transferred out to the suspects account. This strongly indicates a connection between the theft and the unauthorized transactions. Later that same day, XXXX XXXX XXXX sent me a XXXX message that included a screenshot of her inside my Chime account. This message appeared to be intentionally mockingalmost as if she was rubbing it in my face that she was taking my moneywhich further confirms her involvement in the unauthorized access and transactions. Transaction and Dispute Information The unauthorized transactions were processed in portions, which appears to have been an attempt to avoid detection. I regained access to my account on XX/XX/XXXX and immediately filed two disputes ( Case Numbers : XXXX and XXXX ). These disputes were unfortunately denied on XX/XX/XXXX and XX/XX/XXXX. The funds in question were transferred to XXXX XXXX XXXX. XXXX XXXX and Account XXXX I contacted Chime support on XX/XX/XXXX, XXXX, and XXXX to follow up on the status of my disputes and express concern about the fraudulent activity. On XX/XX/XXXX, I discovered that my account had been locked, and I had to call Chime to go through an identity verification process in order to regain access to my account. Supporting Documentation and Actions Taken A police report was filed on XX/XX/XXXX immediately upon discovering the fraudulent activity. On XX/XX/XXXX, I submitted the police report and all relevant documentation in support of my dispute. I have also reported the fraudulent activity to the Social Security Administration, as my government benefits were involved. Despite the steps Ive taken and the evidence provided, my disputes were denied. I respectfully request a thorough re-investigation of my case, taking into account the theft, the XXXX message and screenshot, the recipient of the funds, the repeated contact with Chime, and the official police documentation. Please understand that my intention is to resolve this directly with Chime. However, if I am unable to obtain a fair resolution, I may be left with no choice but to report this incident to the XXXX XXXX XXXX XXXX XXXX XXXX and other appropriate consumer protection agencies. I truly hope it does not come to that and that we can resolve this matter promptly and respectfully. Thank you for your time and consideration. Sincerely, XXXX XXXX Chime Account XXXX : XXXX

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