Checking or savings account -- Managing an account -- Complaint #7275787

Complaint Overview

Complaint ID: 7275787

Company: Chime Financial INC

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Sub-Issue: Problem using a debit or ATM card

State: Virginia

ZIP Code: 23224

Date Received: 2023-07-19T12:00:00-05:00

Date Sent to Company: 2023-07-19T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American

Consumer Narrative

My name is XXXX XXXX and I reside I. XXXX Virginia. I'm a XXXX XXXX XXXX senior citizen and I'm XXXX and have been since XXXX of XXXX. I receive my income from Social Security XXXX. I found some unusual charges from my checking account. So I invested my account and found out that some one was stealing XXXX 's of dollars from my checking account using my debit card that was saved on XXXX XXXX account. So I started my own investigation I to the unauthorized charges found on my bank statements and I found them recorded on my online banking account. I bank with Chime and have been with them since XXXX. I've never experienced this kind of fraud in all my years of banking. I reported all the unauthorized charges posted to my checking account immediately. I was informed that I needed to file a dispute immediately. So I filed a dispute with the bank. I also notified the merchant of all the u authorized charges posted to my XXXX XXXX Account that is recorded in my activity on my XXXX Account. XXXX did an investigation and they informed me that they only allow a customer to be refunded if unauthorized charges were made in my XXXX account. Their policy states that they only allow a customer to be refunded unauthorized charges made on your account. XXXX only refunded me XXXX for unauthorized charges in my account. Do I called my bank Chime and informed them that the merchant that was involved in the unauthorized charges refunded me XXXX XXXX that was what they were linked to refund. So I ask the customer service technician what was their policy of recovering charges made on my account that were unauthorized by me. I was informed that I have to file a dispute immediately do that they could conduct their investigation I to the unauthorized charges. I was then I formed that their investigation would take 7 to 10 days to be completed. I received their results by email. Their finding was that they found no suspicious activity in my checking account. I immediately called my back to inform them that I disagreed with their results and ask to file an appeal so that they would start another investigation I to the unauthorized charges made to my checking account. I received s email from Chime Bank 1week after I requested so appeal be performed. Again the results of the investigation was that they denied my appeal and that I was eligible to receive all documents used in their investigation I to my u authorized charges. They told me they had 10 business days to supply me with the documents. Well it's been 1 month since I was told to expect the copies of the documents 10 days. I've ran out of ideas to see how I could get reimbursed for the authorize charges. I ask my attorney what I should do about my bank that denied my appeal and was told to file a complaint. Well thank you for reading my messy and I hope to get a response from your company with good news. Thank you XXXX XXXX

Frequently Asked Questions

Disclaimer

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

Related Pages

• Chime Financial INC Company Profile
• Checking or savings account Complaints
• Managing an account Complaints
• Virginia Complaints
• Company Rankings
• Company Directory
• Search Complaints