Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

1. **Introduction** 2. **Background Information** 3. **Detailed Account of the Unauthorized Transactions** 4. **Timeline of Events** 5. **Attempts to Resolve the Issue with Chime** 6. **Evidence of Unauthorized Transactions** 7. **Impact on You** 8. **Request for Resolution** 9. **Conclusion** I'll start by drafting each section. Let me know if there's any specific information or tone you'd like to include. Here we go : -- - ** [ Your Address ] ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Chime for Unauthorized XXXX Transactions Dear Sir/Madam, **Introduction** My name is XXXX XXXX XXXX XXXX, and I am writing to formally lodge a complaint against Chime regarding their failure to honor a dispute I filed about unauthorized XXXX transactions on my account. Despite multiple attempts to resolve this matter and provide evidence of my innocence, Chime has not returned the amount of {$2100.00}. I am seeking your assistance in ensuring that Chime returns my funds promptly. 

**Background Information** I have been a Chime customer for [ XXXX XXXX ] and have generally been satisfied with their services until this incident. On XX/XX/year>, I noticed several unauthorized transactions on my Chime account, totaling {$2100.00}, made to XXXX. These transactions were not made or authorized by me. 

**Detailed Account of the Unauthorized Transactions** The unauthorized transactions occurred between [ date range ] and appeared on my account statement as payments to XXXX. I have never used XXXX for any transactions, and it was evident that my account had been compromised. The transactions were as follows : XXXX. Transaction on [ date ] for $ [ amount ] XXXX. Transaction on [ date ] for $ [ amount ] XXXX. Transaction on [ date ] for $ [ amount ] XXXX. Transaction on [ date ] for $ [ amount ] These transactions were made without my knowledge or consent, and I immediately took action to dispute them. 

**Timeline of Events** XXXX. **XXXX XXXX XXXXXXXX : I discovered the unauthorized transactions and contacted Chimes customer service to file a dispute. 
XXXX XXXX XXXX XXXXXXXX : I provided all necessary documentation and information requested by Chime to support my claim. 
XXXX. XXXX XXXX, XXXX : I followed up with Chime to check the status of my dispute and was informed that it was under investigation. 
XXXX. XXXX XXXX, XXXX : I received a notification from Chime stating that they could not determine that the transactions were unauthorized and that my claim was denied. 
XXXX. XXXX XXXX, XXXX : I provided additional evidence, including proof of my whereabouts during the transactions, to Chime and requested a reevaluation of my claim. 
XXXX. XXXX XXXX, XXXX : I received a final denial from Chime, stating that they would not reimburse the disputed amount. 

**Attempts to Resolve the Issue with Chime** I have made multiple attempts to resolve this issue with Chime, including : 1. **Phone Calls** : I have called Chimes customer service numerous times to explain my situation and provide evidence. 
XXXX. **Emails** : I have sent detailed emails with supporting documents, including proof of my whereabouts during the transactions and evidence that I did not make or authorize the payments. 
XXXX. **Dispute Forms** : I have filled out and submitted dispute forms as requested by Chime, providing all necessary details and supporting evidence. 

Despite these efforts, Chime has consistently denied my claim without providing a satisfactory explanation or resolution. 

**Evidence of Unauthorized Transactions** To support my claim, I have provided the following evidence to Chime : XXXX. **Account Statements** : Showing the unauthorized transactions. 
XXXX. **Proof of Identity** : Including my drivers license and a notarized affidavit confirming that I did not authorize the transactions. 
XXXX. **Proof of Location** : Evidence of my whereabouts during the time the transactions occurred, such as work attendance records and GPS data from my phone. 

**Impact on Me** The unauthorized transactions have had a significant financial impact on me. Losing {$2100.00} has caused severe hardship, affecting my ability to pay bills and meet daily living expenses. Additionally, the time and effort spent trying to resolve this issue with Chime have caused considerable stress and frustration. 

**Request for Resolution** I respectfully request the Consumer Financial Protection Bureaus assistance in ensuring that Chime returns the disputed amount of {$2100.00} to my account. I believe that Chime has failed to conduct a thorough investigation into my claim and has unjustly denied my request for reimbursement.

**Conclusion** In conclusion, I urge the CFPB to intervene and hold Chime accountable for their handling of this dispute. I have provided ample evidence to demonstrate that the transactions were unauthorized, and I believe that I am entitled to a full reimbursement. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX