Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau, This letter is a formal complaint against Chime Bank. The complaint concerns the bank 's disregard of a dispute claim for a fraudulent transaction of {$500.00}. This transaction used a Chime account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for tickets to the XXXX XXXX XXXX game scheduled for XXXX XXXX XXXX XXXX XXXX . The tickets were not received, which makes the transaction a clear case of consumer fraud. 

The dispute with Chime Bank was started promptly on XXXX XXXX XXXX after the fraudulent nature of the transaction was realized on XXXX XXXX. Evidence was provided to support the claim, including : Chime transaction records showing the {$300.00} debit on XXXX XXXX XXXX  and {$200.00} on XXXX XXXX XXXX. Evidence of the scam, such as screenshots from XXXX messenger between the scammer XXXX XXXX requesting funds for tickets to be transferred, a fake email sent by XXXX XXXX acting like tickets would be transferred to my fans first account and messages from XXXX XXXX  who is a XXXX  member stating that the ticket number given in the fake email were linked to XXXX tickets.

Documentation proving non-receipt of the promised goods/services will be provided.

Despite the evidence, Chime Bank denied the dispute on XXXX XXXX XXXX The reason for the denial was reversal of transaction can not be preformed because transaction was authorized. This denial contradicts Chime 's obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, designed to protect consumers from unauthorized electronic fund transfers [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The failure to deliver the purchased tickets constitutes an unauthorized transaction. Therefore, Chime 's refusal to refund the funds violates federal consumer protection laws. 

Chime Bank 's actions have caused financial hardship and significant distress. This pattern of denying claims is concerning, especially in light of the CFPB 's recent action against Chime Financial for delaying consumer refunds, requiring over {$1.00} XXXX in redress to affected consumers and a {$3.00} XXXX civil penalty. XXXX XXXX XXXX XXXX ] The Consumer Financial Protection Bureau should intervene in this matter and compel Chime Bank to : 1. Reverse the denial and begin a proper investigation.

2. Issue a full refund of the [ Transaction Amount ] that was fraudulently taken from the account.

3. Demonstrate compliance with the Electronic Fund Transfer Act, Regulation E, and all other consumer protection laws. 

All available legal actions will be pursued to recover the stolen funds and hold Chime Bank accountable for disregarding consumer rights and federal law. This includes escalating this matter to state regulatory authorities and beginning legal proceedings. 

Copies of all supporting documentation are attached for review. A prompt response is expected, outlining the actions the CFPB will take to ensure Chime Bank corrects this situation and follows its legal obligations. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation