- Report: #1418330
Complaint Review: Chime Bank - Internet
Reported By:
Kia -
Birmingham, Alabama, United States
Submitted:
Updated:
-
Author Not Confirmed
Why?
Chime Bank
Internet, United States
Phone:
844-244-6363
Web:
Www.chimebank.com
Categories:
Business Rating:
(0)
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Chime Bank did not issue credit nor did they honor the zero liability policy due to fraud Internet
I contacted Chime Bank and filed a dispute because money was fraudulently taken from my account because my phone was stolen. They gave me a provisional credit but then reversed it from my account and left my account overdrawn and they denied my claim and told me to send in a rebuttal with more info to prove my claim. How can I prove that my phone was stolen. If I could prove it then I would have it back. They say that they have a zero liability for unauthorized transactions but they don't honor that. Now I'm responsible for funds that was taken from me.
I wouldn't recommend Chine to anyone. It's best to Bank with a physical Bank and not this mess of an online Bank because you have to constantly email because the representatives that you speak with doesn't have any information and can't tell you much. They keep referring you to email. If you're looking to use Chime then always be sure to not let your card be stolen or lost and don't report any unauthorized transactions. (as if you can control that!) Please don't let them reel you in with the no fees and easy banking because it is not easy banking.
1 Updates & Rebuttals
Robert
Irvine,California,
United States
Stolen Phone?
#2Consumer Comment
Thu, December 21, 2017
Part of these "Zero Liability" and Fraud protection is a responsibility from the cardholder(you) to not be negligent in protecting your infomation.
So the question becomes how exactly does your phone getting stolen result in fraudlent charges? Do you still have the card in your posession?
If your phone contains personal information you should have some sort of Password to access the phone. If you have apps that access financial information those should also be protected by some sort of password. If those are in place, then there should be no reason that who ever stole your phone would have access to any financial information. Unless the person that stole it is someone you know and who knows your passwords. Which is a valid reason for denying your dispute.
The next part is the proof. Of course you can't prove the phone was stolen, unless they happen to catch the thief. However did you file a Police Report and send it to them? If not, why not? As since you could be charged with filing a false police report, that usually knocks out the people trying to cheat or provide false information.
The next item is your reporting responsibility. Did you have a reasonable belief that your card was compromised before it was used? If so then it could be seen that you did not call them in time to prevent the card from being used. Also, if you wait too long it could be seen as you didn't report it soon enough. As the Federal Regulations only give you 60 days to dispute a charge.
I'm not saying you don't have a valid dispute, as you have not posted all of the facts. I am just pointing out a few things that leave some holes in the story.
Good Luck
