Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/29/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Thursday January 26th 2023 I tried to take $500 out of a Chime *** and the $500 was removed from my account but the $500 was not dispensed from the *** so I contacted Chime to let them know and I have not received my $500 back and it has not been resolved and Chime can not tell me when I will get my money back or if I will get my money back. Due to this I will be late paying my rent I was taking the money out to pay my rent and now I no longer have my rent money because my money was not dispensed from the *** please help me resolve this matter.

  Business Response

  Date: 02/18/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
  
  On February 1, 2023, ******** contacted us via email regarding an ATM withdraw totaling $500.00 which ******** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On February 10, 2023, we applied a provisional credit to Terrances account for the full amount of the dispute. This temporary credit was provided to allow ******** with full use of the funds while we completed our investigation.
  
  The investigation is currently in process, and we are working to resolve ********'s case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than March 18, 2023. ******** will be notified via email as soon as the investigation is completed.
  
  We thank you for the opportunity to respond to ********************************* complaint. If ***************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  

  Customer Answer

  Date: 02/19/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:01/29/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had my unemployment funds deposited and do my time bank account. My actual unemployment funds not pandemic. Unemployment assistance. Somebody had gotten hold of my account information and drain my account before I was able to stop it and chime bank didn't stop it. When I filed a dispute on the fraudulent transactions, chime ended up closing my account and I didn't get my money back when the money was legitimately fraudulently stolen from me. In order to file this complaint I emailed them trying to obtain my bank statements to refer to and was refused my statements in multiple emails as well. I just want my money back. That was fraudulently taken because I worked hard to earn my unemployment for somebody else to steal it and then chime to tell me oh well and close my account. I would refer to specific transactions but like I said they won't even give me my bank statements now. This is all very frustrating

  Business Response

  Date: 02/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  When members notice an error with transactions on their Chime accounts, they can file a dispute through Chime. Disputes can be filed over the phone, by email or in the Chime app. 
  Chime records indicate ******* filed multiple disputes when their account was open. We are confident that our disputes were investigated properly. 
  
  We have uploaded a copy of *******'s statement to the BBB as a courtesy to *************** 
  
  We thank you for the opportunity to respond to ********************** complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  

• Initial Complaint

  Date:01/29/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **** Complaint - Refund Requested on 12/31/2022. A secondary firm (************) defrauded me (a ****) of $59.95 on worthless product. Chime Bank's Dispute Team denied my request for a **** refund from this secondary firm. On 12/31/2022 I officially filed a Request for Reconsideration from the Dispute team and was denied at each step of the process, even though I diligently supplied Chime with all the facts and figures, email threads, expectations, and related info. Chime Dispute team broke ALL their promises (did not supply the proper docs, timing did not exist, etc.) and basically told me to just go away. As a Social Security survivor I cannot afford to waste money, especially with a **** bank and their extremely poor customer service. It is plainly obvious of the original **** that took place with ************ and now the **** that exists with Chime Bank. Any of the additional docs that I possess can be supplied at any time for your assistance in this matter. I cannot speak for Chime's possession of their docs, if they even exist.

  Business Response

  Date: 02/12/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  On November 16, 2022, ****** contacted us via phone regarding a transaction totaling $59.95 which ****** stated the merchandise received was not as described. We then opened an investigation into the matter and filed a dispute.
  
  A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is legitimate. Our records indicate we received compelling evidence from the merchant regarding your dispute. On December 28, 2022, we concluded our investigation and determined no error occurred. You were notified of this on the same day. As a result, we also notified ****** that the provisional credit issued on November 16, 2022 would be reversed and the account would be debited on January 5, 2023.
  
  On December 29, 2022, ****** inquired about reopening the case, and a rebuttal claim was opened.
  
  On January 10, 2023, we notified ****** via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied.
  
  We appreciate the circumstances surrounding ******'s dispute. While we understand the quality of the merchandise ****** purchased is not up to their standards, they were provided with an option to return the merchandise. As such, Chime is unable to compensate ****** for this transaction. 
  
  We understand this is not the resolution ****** was seeking, but we are confident the investigations of the claims were properly conducted and resolved. If ***********;still does not agree with the outcome of the claim, they may submit a rebuttal to ********************************.
  

  Customer Answer

  Date: 02/13/2023

   
  Complaint: 18945966
  
  I am rejecting this response because:  Chime is not a bank.  This business response is their standard and incorrect response.  There is no way that Chime can deny my legitimate claim IF any sort of due diligence was performed and real banking laws were followed.  My evidence of a SCAM operation, both with the original SCAM and now with Chime is obvious, conclusive, and telling of the sort of risky business that Chime (not a bank) performs.  Simply read ANY of the single-star reviews posted for Chime (not a bank), and there are a lot, and you'll see the same results, deny, deny, deny.  Mine is a small loss - some and often have lost thousands.  Stay with a real bank, with real people who must follow real banking laws.  Do not be swayed by Chime's (not a bank) folksy demeanor.  Restrictive laws of these non-banks will soon follow.  Good luck and stay clear of this SCAM operation called Chime (not a bank).
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 02/18/2023

  Thank you for giving us the opportunity to follow up on ************************* BBB complaint.
   
  We understand this is not the resolution ****** was seeking, but we are confident the investigations of the claim was properly conducted and resolved. We recommend ****** works directly with the merchant for a refund. We now consider this matter resolved.
   
  We thank you for the opportunity to respond to ************************* complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 
  
  
  

• Initial Complaint

  Date:01/28/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My account has been negative due to a charge back from BestBuy so naturally I filed a dispute. The same day January 21st and it was approved. I received an email saying an error occurred and I have yet to receive my funds. My accountant has not been credited and its been 8 days they have already escalated to their investigation team several times which has yet to produce any results.

  Business Response

  Date: 02/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
  
  We have escalated the dispute referenced in **********'s complaint. We appreciate their patience while we review their transaction. 
  
  We thank you for the opportunity to respond to ********************************* complaint. If ***************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  
  

• Initial Complaint

  Date:01/28/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My old landlord didnt remove my rent payments off autopay in his system months after I moved out and as a result I was charged for a rent payment from him in a home I havent lived in for months so I filed a dispute with chime and sent all my documents to prove my dispute was accurate then the next day chime closes my account with over $2500 of my money and cant tell me why the only response is I will have a check mailed within 30 days I have kids to feed rent to pay and cant even get to work cause I have no access to my money and with no explanation. Then yesterday I get an email from my ex landlord saying my autopay was cancelled 4 months after I moved to a different state and still chime has no resolution to the situation

  Business Response

  Date: 02/06/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
   
  On January 21, 2023, ****** contacted us via email regarding a transaction totaling $1,709.99 which ****** stated was cancelled. We then opened an investigation into the matter and filed a dispute.
   
  On January 22, 2023, we applied a provisional credit to ******* account for the full amount of the dispute. This temporary credit was provided to allow ****** with full use of the funds while we completed our investigation.
   
  The investigation is currently in process, and we are working to resolve ******'s case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than April 21, 2023. ****** will be notified via email as soon as the investigation is completed.
   
  On January 25, 2023, after a complete review of ******'s account, we determined that the account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account. The same day, a check for the remaining balance on ******'s account was requested to be sent from our processor. Once the check is sent, please allow up to 14 days for it to arrive. 
   
  We thank you for the opportunity to respond to ******************* complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  
  
  

• Initial Complaint

  Date:01/28/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  December 14 my Chime card was stolen, and 3 purchases was made. I immediately canceled my card and reported the items stolen, 2 of the transaction's amounts expired and were placed back in my account. The ***** Transaction was settled and $353.27 was pulled from my checking account. I did not make this purchase and I have not purchased from the company. I would like this transaction disputed. I have called 8 times, emailed once and received 8 ticket numbers asking for help. I have not received any communication from a member of Chimes investigation team. This has been "escalated' 6 times from the dispute department, but I still have not received any communication from Chime.When I've called to follow up, I've been told that the entire claim was marked "closed" because the *********************** transaction "expired", when I've noted that the Shien transaction was not "expired" and was "settled" the supervisors have all told me it should be reopened, and they would "escalate" the dispute to have it reopened by the "investigation" department. As of today, the claim is still marked "closed" despite it never being investigated. I also have not received any Commnication from Chime. Below and attached youll find both ticket numbers, the dispute number and a copy of the transaction. Ticket # - Dec *********** Ticket # - Dec *********** Ticket # - Dec 23 ******** Ticket # - Jan 3 ******** Ticket # - Jan 23 - Chat ******** Ticket # - Jan 23 - Reopen dispute ******** Ticket # - Jan 23 -Phone ******** Ticket # - Jan 26 ******** Dispute number *******- Shien , ********************* I would like immediate resolution regarding this claim. I am asking for a refund of the stolen money, per the terms and agreements on Chimes website.

  Business Response

  Date: 02/06/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
   
  Upon receipt of ******'s complaint filed with the BBB, we escalated the dispute referenced in ******'s complaint for further review. ****** will be notified via email as soon as the investigation is completed.
   
  We thank you for the opportunity to respond to ******************* complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 02/07/2023

   
  Complaint: 18944006
  
  I am rejecting this response because:  This is the same response the business has given me, (please see my original compliant for details).  This has been "escalated" over 8 times with a promise of an email response.  I have never received one. 
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 02/12/2023

  Thank you for giving us the opportunity to follow up on ******************* BBB complaint.
   
  Chime records indicate ****** filed a dispute for four transactions. **********'s request, one transaction to Amazon was removed from their dispute. Additionally, two transactions did not settle on their account. As such, they were also not included in ******'s dispute. 
  
  The remaining transaction, $353.27 to ***** settled on December 13, 2022. We are working quickly to resolve ******'s remaining dispute and apprecaite their patience. Once we have further information regarding this investigation, we will contact ****** by email. 
  
  We thank you for the opportunity to respond to ******************* complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
   
  

  Customer Answer

  Date: 02/17/2023

   
  Complaint: 18944006
  
  I am rejecting this response because:  I received an email from Chime on Feb. 17, 2023 stating that the CHIME **** transaction I disputed "expired" and the funds were not removed from the account.  This is not true, the transaction was 'settled' and the funds were removed from my account on Dec. 13, 2022.  The other two transactions from ********************* did not go through and they 'expired'.  Again, the Shien transaction that I am disputing was 'settled' and the funds were removed from my account. Attached you will find a copy of this transaction marked 'settled' taken directly from my
  Chime Account.

  Sincerely,
  
  ***********************

  Business Response

  Date: 02/23/2023

  Thank you for giving us the opportunity to follow up on ******************* BBB complaint.
   
  We are working quickly to resolve ******'s remaining dispute with ***** and appreciate their patience. Once we have further information regarding this investigation, we will contact ****** by email.
  
  We thank you for the opportunity to respond to ******************* complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  
  

• Initial Complaint

  Date:01/28/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  1/21/23 I transferred $1000 to chime to be able to use and have not been able to access my money and chime refuses to fix their application so that I can access my money. Their marketing and promotion clearly states that I would have access immediately to a temporary card while waiting 7 days for my physical card. Chime says I will not be receiving my card for three weeks. That is illegal and they are ?? ng their terms and conditions by not allowing me access to my money by limiting functionality to their application only. Even calling them they refuse to reverse the deposits or even fix their broken app(which has had numerous complaints about lack of access since months ago and it is getting worse.). My credit union also refuses to help or be of assistance in returning my money.

  Business Response

  Date: 02/06/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  Chime records indicate ****** opened a Chime account on January 21, 2023. When a consumer opens a Chime account, the physical card may take 7 - 10 business days to arrive. Members can access funds through a temporary virtual card during this time. 
  
  **********'s request, their account was closed on January 31, 2023. As the account had a zero balance at time of account closure, there will be no refund check sent to ************* 
   
  We thank you for the opportunity to respond to ********************* complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 
  
  

• Initial Complaint

  Date:01/28/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My chime account has been being hacked and money has been being taken out of my account since August I have been contacting chime on this matter so many times I have lost count since August of ******************************************************************************* and time and date on a piece of paper to reset my email and phone number I have done this numerous times in order to get my email and phone number updated and to this day it has still not been updated when I call I get transfered from one person to another person and then back to the first person I was talking to no one in chime seems to know how to help or wants to resolve my issue and I wish to get this resolved as soon as possible and get reimbursed the large amounts of money from my Social Security benefits that has been stolen out of my account! I live on a fixed income and due to this continued mess up with my account I have not been able to pay my bills and rent! I am currently on the verge of homelessness and I need to get these stolen funds returned to me as soon as possible so I may hopefully resolve my housing issue avoid homelessness and avoid termination of my utility services! I would really appreciate a prompt address to this complaint as I do not know how much longer I will be able to push non payment of rent with my landlord! I currently have disconnection notices on my utilities and I'm awaiting a response from assistance but that is not a guarantee! Can you please contact me back at this email or by phone at ************ if no answer when you call please leave a detailed message and I will return your call ASAP..... Thank you and have a great morning ??

  Business Response

  Date: 02/06/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  Claim no 4872534 
  
  On August 12, 2022, **** contacted us via phone regarding 12 transactions totaling $474.84 which Kara stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
  
  On August 13, 2022, we notified **** via email that we completed our investigation and based on the information available, we determined an error occurred for a portion sum of the dispute. As a result, a credit in the amount of $19.90 was posted to ***** account on August 4, 2022, and August 13, 2022. 
  
  On that same day, we also notified Kara via email that we completed our investigation and based on the information available, we determined that no error occurred for the remaining balance of the dispute.
  
  Claim no 6043244 
  
  On January 15, 2023, Kara contacted us via phone regarding 8 transactions totaling $317.00 which **** stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
  
  On January 16, 2023, we notified Kara via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  We understand this is not the resolution **** was seeking, but we are confident the investigations of the claims were  properly conducted and resolved.
  
  We thank you for the opportunity to respond to ***************** complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 
  
  

• Initial Complaint

  Date:01/27/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have provided the correct documentation and identification documents. their are two claims reported . I was denied the very same day I submitted the report. To me this sounds like an unfair amount of time to conduct a proper investigation. Ii believe this is not fair and not in good faith. I need to be refunded the money tooken from my account please. Please help resolve this issue thank u

  Business Response

  Date: 02/06/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  Claim ID: *******
   
  On September 17, 2022, ****** contacted us via  email regarding three transactions totaling $122.50 which ****** stated were  unauthorized. We then opened an investigation into the matter and filed a dispute. On that same day, we notified ****** via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Claim ID: *******
   
  On September 19, 2022, ****** contacted us via email regarding four PayFriend transfers totaling $147.00 which ****** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On September 20, 2022, we notified ****** via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  We understand this is not the resolution ****** was seeking, but we are confident the investigations of the claims were properly conducted and resolved. If ***********;still does not agree with the outcome of the claim, they may submit a rebuttal to ********************************.
   
  Please note, in order to reopen the claim, ****** MUST include additional information that was not previously provided to us during our initial investigation. The timeframe for the rebuttal process is 45 days and ****** will be notified via email once a final outcome has been determined.
   
  We thank you for the opportunity to respond to ***************************** complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
   
   
  
  
  

  Customer Answer

  Date: 02/07/2023

   
  Complaint: 18941947
  
  I am rejecting this response because: I already submitted all the documentation requested and I believe one day is not enough time to conduct a proper investigation and I believe your computer system automatically denied me  
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 02/12/2023

  Thank you for giving us the opportunity to follow up on ***************************** BBB complaint.
   
  The documentation provided by ****** through the BBB is not sufficient to reopen the investigation. 
  
  We understand this is not the resolution ****** was seeking, but we are confident the investigations of the claims were properly conducted and resolved. If ***********;still does not agree with the outcome of the claim, they may submit a rebuttal to ********************************.
   
  We thank you for the opportunity to respond to ***************************** complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 
   
  
  

• Initial Complaint

  Date:01/27/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a couple of unauthorized transactions on my chime account when I was doing training for my job. Someone used my info to make unauthorized transactions on my card. I called to report the transactions and chime only used 1 day to investigate my claim and not doing a fully investigation and denied my claim. This is not how you handle people that trust in keeping your money safe. I would like this issue solved because I work hard for my money and I am not just letting it go.

  Business Response

  Date: 02/06/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************************
  
  On January 27, 2023, Shatoyia contacted us via phone regarding several transactions totaling $2,412.85 which Shatoyia stated were unauthorized. We then opened an investigation into the matter and filed a dispute. On this day, we notified Shatoyia via email that we completed our investigation and based on the information available, we determined that no error occurred. On this same day, ******** inquired about reopening the case, and a rebuttal claim was opened. Later this day, ******** requested a copy of the documents we relied on in making our determination.
  
  On February 2, 2023, a copy of the documents Shatoyia requested were forwarded to the email on file.
  
  We understand this is not the resolution Shatoyia was seeking, but we are confident the investigation of the claim was properly conducted and resolved.
  
  We thank you for the opportunity to respond to *********************************** complaint. If ********************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.