u/shrekd1337

Day 10 with no progress

Sorry this is long, but I honestly don’t know what else to do.

My debit cards were stolen, and shortly afterward, basically all of my money was drained through Chime Pay Anyone, Apple Cash, an ATM withdrawal, and debit-card purchases.

I did not make or authorize any of these transactions. I never pressed send, I don’t know the person who received the money, and I had never used Chime Pay Anyone or Apple Cash to send money before this happened.

What really doesn’t make sense is the timeline. My Chime history shows some of the money leaving before a large transfer from savings to checking that supposedly made the money available. Every time I ask Chime about this, I get a different answer. One representative said I had a significant balance, another said I only had a few dollars, and another said there was almost nothing in either account. None of those explanations match the transactions shown in the app.

Chime has denied my disputes repeatedly. I appealed and submitted screenshots, bank records, police reports, identity-theft reports, and other evidence. A representative confirmed that my documents were received and attached to all my disputes. When I called back, other representatives told me the documents were never uploaded. This keeps happening. I’m told the evidence is there, then I call back and I’m told it isn’t.

One representative accused me of committing fraud and told me my information was wrong because only Chime’s information was correct. They wouldn’t tell me exactly what they thought I lied about. Another representative actually told me that it wasn’t Chime’s job to protect my money and that the theft was my responsibility.

I also recorded a call where Chime’s automated agent seemed to understand the problem with the transaction times and told me I had a good point. It transferred me to a person, I explained everything again, they put me on hold, and then the call ended. During another call, a representative accidentally read out the same transaction time I was seeing, even though other representatives had been telling me something different.

I have saved every screenshot, statement, recording, dispute update, and document confirmation I could. I’ve also filed reports with the police and several federal consumer-protection, identity-theft, financial-crime, and banking agencies.

These weren’t random unrelated charges. They were all part of the same incident after my cards were stolen, and the same evidence applies to all of the disputes.

I’m not posting this to identify or harass the recipient or any Chime employee. I just want my disputes properly investigated and my money returned.

Has anyone else gone through something like this with Chime? What records should I demand from them? Should I ask for the full transaction ledger, balance history, login and device records, authorization logs, and everything they relied on when denying my claims? At this point, should I be looking for a consumer-protection attorney?

The solution offered was to make a loan.

On Saturday someone hacked into my bank account sent $4000, $939 , $80 on chime, and then the same person apple cashed themselves 900 900 and 400. Chime is refusing to refund me and claims I have to wait 45 business days to explain my denial. I don’t know what I am supposed to do, my entire life savings were drained and I negative money in my account now. I asked them what I am supposed to do in the mean time and they told I can make a loan with them. I have never used chime pay or Apple Cash in my life, nor have I ever met this person. I don’t understand what I am supposed to do.

Edit:

I have already submitted the police report and chime still is saying I still did not provide enough information

I keep being added and removed to project V, I had the campaign access for 1 day after passing the screener, but then my account was flagged because I recently graduated and my account split into two. I have passed the screener, recieved the bonus, and I passed the reviewer assessment. I have had my name changed in Slack to reviewer, but each time my 1-2 days is up to gain acceess to my feather campaign I am removed from the project and readded. Is there anyone I can contact besides fellow support?