Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX, an unauthorized charge of {$390.00} posted to my Chime Credit Builder XXXX XXXX Credit Card ( account ending XXXX, issued by XXXX XXXX, XXXX. ). The merchant descriptor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - a payment processed through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not have, and have never had, any XXXX XXXX XXXX account, consumer, business, wireless, or otherwise. My actual wireless carrier is XXXX, which is documented on the same XX/XX/XXXX statement ( XXXX XXXX XXXX XXXX, {$94.00}, XX/XX/XXXX ). I received no payment confirmation email or text from XXXX XXXX XXXX or Chime for the {$390.00} charge, which XXXX XXXX XXXX and Chime send to the cardholder of record for every payment or charge. There is no XXXX XXXX XXXX account in my name that could have received this payment. I filed a dispute with Chime on XX/XX/XXXX, identifying the charge as unauthorized. On XX/XX/XXXX, Chime denied the dispute ( Claim ID XXXX ) with a form letter stating that " no billing error occurred '' and that the disputed amount of {$390.00} will be added to my next statement payment due XX/XX/XXXX. The denial is improper for multiple reasons : 1. WRONG REGULATORY FRAMEWORK. Chime 's denial letter classifies the dispute under " Credit Unauthorized Transaction '' and references provisional credit rules " under Regulation E. '' Regulation E governs electronic fund transfers on deposit accounts. This transaction was posted to a XXXX credit card account issued by XXXXXXXX XXXX XXXXXXXX, which is governed by Regulation Z and the Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ), not Regulation E. Chime appears to have applied the wrong legal standard to the investigation. 2. THE DISPUTE WAS TIMELY UNDER FCBA. The disputed charge first appeared on my XX/XX/XXXX statement. Chime emailed me on XX/XX/XXXX that the statement was available ( email subject : " XXXX, your Chime Card statement is ready '' ). Under 12 C.F.R. 1026.13 ( b ) ( 1 ), the 60-day billing error window runs from the date the creditor transmitted the first periodic statement reflecting the error. Sixty days from XX/XX/XXXX, is XX/XX/XXXX. I filed on XX/XX/XXXX within the statutory window. XXXX. NO DOCUMENTARY EVIDENCE OF INDEBTEDNESS WAS PROVIDED. Under 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) and 12 C.F.R. 1026.13 ( f ), when a creditor determines no billing error occurred, the creditor must, on request, provide documentary evidence of the consumer 's indebtedness. Chime 's denial letter provided none. The letter merely states the investigation concluded " no billing error occurred '' with no evidence supporting that conclusion. 4. THE TRANSACTION PATTERN ITSELF IS DIAGNOSTIC OF FRAUD. My Chime Card spending on the same statement otherwise consists of small everyday charges ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The largest non-XXXX XXXX XXXX charge on the entire statement was {$19.00} at XXXX. A single {$390.00} business wireless payment to a carrier I do not use is wildly out of pattern and is the type of anomaly XXXXXXXX XXXX own fraud models are designed to detect. A review of XXXX consecutive months of statements ( XX/XX/XXXX through XX/XX/XXXX ) shows this is the only XXXX XXXX XXXX charge of any amount in that entire period, while a XXXX charge recurs every month on the XXXX confirming XXXX, not XXXX XXXX XXXX is my actual carrier and that the XXXX XXXX XXXX charge is an isolated, non-recurring event consistent with one-time fraud. 5. CHIME REISSUED THE CARD. Chime issued a replacement card after the XX/XX/XXXX, dispute was filed. Chime can not simultaneously treat the card as compromised enough to reissue and treat the disputed charge on that same card as authorized. 6. CHARGEBACK RIGHTS ARE STILL AVAILABLE. Independent of FCBA, XXXX XXXX XXXX permit a chargeback under reason code XXXX ( Fraud Card-Absent Environment ) within XXXX days of the transaction date. From XX/XX/XXXX, that window closes on XX/XX/XXXX. Chime/XXXX retains full chargeback rights against the merchant and has elected not to exercise them. I am also separately filing a written FCBA billing error appeal directly with XXXX XXXX XXXX I already contacted XXXX XXXX XXXX XXXX fraud department to identify the account that received the payment, but to no avail, and filed an identity theft report with the FTC report # XXXX

Company response to consumer: Closed with explanation