Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX XXXX Whom It May Concern, I am filing this complaint against Chime Financial due to their deceptive practices, fraudulent documentation, and mishandling of disputes, which have significantly impacted my financial stability and mental well-being. 

In XX/XX/year>, I filed disputes for unauthorized transactions on the XXXX and XXXX. On the morning of the XXXX, I called Chime and informed them that I was willing to assist in the investigation of these disputes. However, my experience with their dispute resolution process has been highly problematic : 1. Conflicting Information and Misleading Documentation The dispute resolution timelines provided to me do not match the records maintained by Chime. Their records indicate that disputes are resolved a day earlier than the dates they provide to customers, which is misleading and unfair. 

I have requested documentation regarding the evidence used to deny my disputes, but Chime has refused to provide it. On multiple occasions, I was told this information would be sent via physical mail, but I have yet to receive it. 



2. Failure to Provide Company Information for Transactions Chime has refused to disclose company details for disputed transactions, making it impossible for me to verify or further investigate the charges. 

Despite my repeated requests for clarity, their responses have been vague, inconsistent, and unhelpful. 



XXXX. Lack of Transparency in Employee Conduct and Internal Procedures I have made over 100 calls in XXXX alone, attempting to resolve these disputes. Many of these calls lasted hours, causing severe emotional distress. 

Chime employees have provided contradictory information regarding internal complaint procedures. 

I have been personally invalidated and mistreated while disputing charges. When I requested to review call recordings and for employees to be held accountable, I was told I would receive an email within 48 hours, which never arrived. 

I have been hung up on when requesting to speak to an advisor and was even told to obtain my own phone records to identify the employees I spoke withan unreasonable and dismissive response. 



4. Unresolved International Charges I have been forced to pay {$200.00} for a transaction in XXXX, despite never making international purchases. Chime has not provided any justification or resolution for this charge. 



5. Severe Personal and Financial Impact Due to Chimes mishandling of my disputes and their unwillingness to provide critical information, I have been unable to pay for or attend school. 

The ongoing stress has required emergency psychiatric appointments and a prescription for anxiety. 

I live on a limited income and am actively working to rebuild my life. Chimes actions have placed an undue burden on me, affecting my financial security, education, and overall well-being. 




Chimes practices are deceptive, their documentation is inconsistent, and their customer service is dismissive and unprofessional. I request immediate intervention to : Conduct a thorough investigation into my disputes. 

Provide all documentation used to deny my claims. 

Explain why I was charged for international transactions I did not authorize. 

Hold Chime accountable for deceptive and fraudulent dispute handling. 

Ensure proper oversight of their customer service practices. 


I urge the CFPB to take action against Chime Financial to prevent further harm to consumers facing similar issues. 

Im currently over stessed losing weight and now seeing mental health provider more often that previous my mental health is at risk so tiday XX/XX/year> i ceased all contact with them invalidated as a victim and hurt as a human theyvwith hild funds and double theyvare reporting me as oweing XXXX on credit report and i pay my balance monthly

Company response to consumer: Closed with explanation