Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #6166056

Complaint Overview

Complaint ID: 6166056

Company: Chime Financial INC

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Sub-Issue: Transaction was not authorized

State: Arizona

ZIP Code: 85053

Date Received: 2022-11-04T12:00:00-05:00

Date Sent to Company: 2022-11-04T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/XXXX someone stole my debit card information and used it to buy several day passes to a fair in XXXX XXXX Massachusetts. I was on a flight from AZ to WA at the time the transaction happened without access to the internet so it could not have been me. Also, why would I buy day passes to a fair on the other side of the country? It makes no sense. I filed a claim with my bank, canceled my compromised card and change my account information to prevent this from happening again. Chime ( the bank I am using ) gave me a credit for the amount that was stole from me for {$200.00} three days later on XX/XX/XXXX. On XX/XX/XXXX I was informed that Chime had done an investigation on the claim and found " no error occurred '' so they denied my claim. When I called them to ask why they denied my claim and what I can do to appeal, I was told no one could tell me the reason they denied my claim. They said they can send me the " evidence '' they used to come to this conclusion in 10 days. After they have already removed the money from my account. When I asked to speak with the investigation team I was told I could not do that. No one reached out to me during the investigation process either. I am the epicenter of the entire issue and no one from my bank has spoken to me. I was told I could appeal the claim and provide evidence I was not the person who made this purchase. I sent them screenshots of my plane ticket that clearly show the flight times proving I was in the air at the time the card was used. I also had to contact the merchant because they did not. I got a copy of the transaction and sent that to them as well where you can clearly see the phone number and email address are not mine nor have they ever been registered to me. I also filed a complain with the cyber crimes division of the FBI for the crime committed against me and sent a copy of that to them as well. They denied my claim three times yesterday even after being provided with this evidence and they still have not given me a reason as to why. They will be removing this credit of {$200.00} from my account on XX/XX/XXXX despite still not giving me a reason why. The worst part is no one at the company is even willing to speak or discuss this with me. All they tell you is " I don't work in the investigations department so I don't know. '' But they don't let you talk to the investigation department or ANYONE at the company that could help explain why this is happening. I am not the first person this has happened to either. There are hundreds if not thousands of these exact stories online of Chime denying claims with clear and precise evidence to prove someone else used their account.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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