Chime complaint: Incompetent employees – unauthorized charhes

There was an unauthorized charge on my chime account, so I proceeded to dispute the transaction. When I first began the phone call I spoke to a rep with horrible English (Asian accent I believe) and there was a great amount of difficulty communicating the issue. When she thought she had an under of the situation, I was transferred to another agent with horrible English (Indian accent). I repeated the problem multiple times and again, there was a huge communication problem. The agent could not understand that although I had done business with this company in the past, I did not authorize THIS transaction. An employee at the business in question charged my account without any prior communication with me regarding this payment. I did not consent to any kind of automatic debits, and my card information was basically stolen and fraudulently used to charged my account. I sent proof of the last communication I had with the company, stating that I would no longer be doing business with them. Multiple times during my conversation with the second agent I stopped him and told him I couldn’t understand him. He clearly could not understand me. Less than 48 hours after the dispute was filed’ it was denied. There was no “investigation “ as they called it, there was nothing. This was incredibly frustrating to me as a single mom on a fixed income. The charge in question was nearly $400 – a devastating hit for me. Feeling desperate, I reached out to the Regional Manager of the business that charged my account, and he immediately agreed that the charge never should have happened. The business actually refunded my money, acknowledging that this was in fact NOT an authorized transaction. This took weeks to resolve, and in that time I incurred late fees from the bills I should have been paying. I’m angry that the agents at Chime are not capable of handling matters a serious as this. This was treated like a joke, or a game, and dismissed , when in fact it’s the survival of a single woman and her child at stake. Financial institutions have a responsibility to keep their customers money – (and therefore their livelihood ) SAFE. In order to do that, the financial institution is charged with employing educated, responsible, and ethical employees who should have a basic understanding of the language that the transaction is being performed in, and of the field that they are working in, AT MINIMUM. This is the third time since I opened my account around 2020 that this type of situation has occurred. I promise this will be the last time. I am closing my accounts, because this company cannot be trusted. I have lost money, and suffered too many times because of the gross negligence that this company has committed. It’s disgusting that this can continue to happen. I cannot complain to Chime, because the only available contact information is for the inadequate, overseas, low rate workers that never took my situation seriously to begin with. Although the business that improperly debited my account refunded the charge in question, I lost money in late fees, and I lost money to two other improper debits in the past. I’m angry, frustrated, and I want to see Chime answer to this circus that they have going on