- Report: #1368141
Complaint Review: Chime bank - Nationwide
Reported By:
Christina Araujo -
Inglewood , California, USA
Submitted:
Updated:
-
Author Confirmed
Why?
Chime bank
Nationwide, USA
Phone:
8442446363
Web:
N/A
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On March 24,2017 my boyfriend and I went to Universal Studios in universal city, ca. I have been banking with chime since June 2016. I bought various items at universal studios, posted pictures and even tagged where I was that day. After universal I saw the Power Rangers movie at the AMC at universal city walk. I kept my movie ticket and still have it. I bought popcorn and candy. While I was watching the movie I got a notification that an $800.00 ATM withdrawal from my account was denied at an ATM in Reseda. Then $500 were taken out and approved. I quickly searched for my bank card and found it. Not understanding how this happened I immediately contacted chime to find out what was going on. But chime is only open 7am to 5pm. So I called the following morning I spoke to Alice and told her the situation and she transferred me to risk management. I spoke to James and I told him the situation then he told me that it looked like someone must have made a copy of my card and withdrew money. He told me that they were going to reissue a new card and file a dispute.
My card showed up 10 business days later. James told me that I would be hearing a response in 7-10 business days but he would also be sending me an email with a form for provisional credit. I didn't receive the email. I called back and was told that James would call me. I never received a call. I called back on 3/30/17 I was told someone from risk would be calling me back. 5 hours later they did and sent me the email with the provisional credit document and I asked for status. I was told the investigation department would contact me with details. I never received a call.
A week goes by so it's 4/7/17 and I contact chime again asking for status. I was informed that they are still investigating the dispute. I ask how is that possible if I was told 7-10 business days. They told me it takes time. So I check my mailbox and I have a letter that was dated 4/3/17 from chime denying my dispute. I call back chime and am placed on hold for 45 mins then I'm hung up on. I call again and wait another 40 for a representative and ask to speak to risk management. I am finally transferred after 30 minutes and I tell him I am confused. I was told to email any documents stating where I was on the date to prove where I was. I immediately email [email protected] my transactions of 3/24/17 and a picture of my movie ticket.
Today 4/17/17 I contact chime again and speak to Alice the risk management manager. I ask her for status she tells me that my documents were denied again. I got upset and tell her that how can the investigation department do any investigation if they had no information. How are they denying my dispute if they obviously did no investigation. If they had done investigation it would show that I had not withdrawn any money at an atm way farther than where I was. And she kept repeating herself saying that I can request the documents from the investigation team that show what they investigated. After much back and forth I ask so pretty much what your telling me I will not be getting my money back that was taken from me. She tells me no I won't. I told her I have not ever dealt with a bank like this. I have never had an issue where my money was taken and I didn't get it back. And I asked her how can my card be replicated and money be taken out when the only two people who know my pin is chime and myself. She didn't answer me. Now I am out $500.00 and the bank doesn't help. This is the worst bank I have ever dealt with. I told her I will be leaving Chime and taking my money out of my account and she didn't care.
5 Updates & Rebuttals
Christina
Inglewood ,United States
I AM NOT AN EMPLOYEE
#2Author of original report
Fri, November 10, 2017
Your response to my complaint is that I am an employee? I have never worked for your bank. Do you know how many complaints there is about the same thing from this stupid bank.? There are hundreds of reports like mine. Your bank is committing fraud. And I still have not received my $500 that your bank has stolen from me. I will be taking legal action with several other people who have had an account with Chime. The right thing your bank should have done was refund my money now I’m pisses off and am taking it further.
Bradley
Phoenix,Arizona,
United States
Chime Bancorp Bank
#3Consumer Comment
Fri, November 10, 2017
You must be an employee of Chime and this is fraud.
Striderq
Columbia,South Carolina,
USA
Some information for you---
#4General Comment
Tue, April 18, 2017
I worked Customer Service for a bank and during that time I heard a lot of stories like this. One major aspect that banks/credit card companies look at is the type of transaction that is claimed to be fraud. If the card is used as credit, meaning no PIN used, the bank is more likely to decide in the customer's favor. If the card was used as debit, using the PIN, the bank usually denies the claim. The reason for this is that you have a responsibility to protect the card number and the PIN. There's several ways to easily steal the card number but it's harder to steal the PIN. Since the transaction in question was an ATM withdrawal, it means your card number and PIN were used. This is probably why Chime denied your claim.
I'm stating my facts
#5Author of original report
Tue, April 18, 2017
When the money was withdrawn I immediately moved all my money to my savings account. To prevent further money from being taken out. I called chime they were closed. I thought it was a mistake that's why I waited to get it cleared up first thing in the morning.
Robert
Irvine,California,
USA
Why?
#6Consumer Comment
Tue, April 18, 2017
Why if you were trying to show that you didn't make the purchase would you only display a page of transactions that doesn't include the withdraw?
You stated the withdraw was made while you were watching the movie. How long was that after your last purchase at Universal? Reseda is only about 20-30 minutes away and if your last purchase was at 6:55PM at Universal but the withdraw was at 8:30(for example). That was plenty of time to get there and withdraw the money.
Then what did you do AFTER the withdraw was made. Did you go into the app and disable the card or did you make transactions after that?
All of this goes into the "investigation".
Just a few other observations, not saying you did withdraw it, but we are talking $500. You wouldn't be the first person to set up a scenario such as this to withdraw $500. After all you have proof you bought a ticket, but no proof that you actually saw the movie, and 2 hours saying you were in the theater is a great alibi..right?
Also, when a card is compromised it is rare that they just stop at a single transaction. They run it until it is totally declined. Not just ATM's but Gas Stations, Stores and other places. Yet the last thing this person did was an approved $500 transaction.
