Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I am filing this formal complaint against Chime for repeated violations of the Electronic Fund Transfer Act ( Regulation XXXX ). Chime has denied my legitimate merchant billing dispute XXXX separate times, completely failed to conduct a reasonable investigation of explicit documentary evidence, and grossly mishandled the provisional credit process. The dispute involves an unauthorized overcharge by XXXX XXXX XXXX XXXX on my Chime XXXX card ending in XXXX. XXXX. The Billing Error and Overcharge On my rental return, XXXX initially generated an incorrect, inflated receipt totaling {$2000.00}, which included unauthorized optional services totaling {$850.00}. To satisfy this incorrect total, XXXX split the billing across XXXX separate cards : Card XXXX ( XXXX XXXX ) : Charged {$1500.00} Card XXXX ( Chime Visa XXXX ) : Charged {$550.00} XXXX. Conclusive Evidence of XXXX XXXX XXXX I escalated this billing error to XXXX management, who acknowledged the mistake and issued an updated, legally binding final invoice. As proven in XXXX XXXX XXXX XXXXXXXX officially adjusted the entire rental total down to {$1100.00}. However, the " Adjusted.pdf '' receipt shows that despite reducing the total cost of the rental to {$1100.00}, XXXX kept the full amounts previously captured from both cards ( {$1500.00} and {$550.00} ). XXXX. Irrefutable Mathematical Proof of Overpayment The arithmetic of this case is absolute and undeniable : Total Legitimate Amount Owed to XXXX : {$1100.00} Amount Already Paid via Card XXXX ( XXXX ) : {$1500.00} Result : The payment on Card XXXX alone overpaid the entire adjusted XXXX invoice by {$390.00}. Because XXXX XXXX completely covered the legitimate cost of the rental, the entire {$550.00} charged to my Chime XXXX card ( Card XXXX ) is a 100 % unjustified overcharge. There was XXXX balance remaining for Chime to pay. XXXX effectively forced a double payment and failed to issue a credit. XXXX. Mishandling of XXXX XXXX and XXXX XXXX Chimes handling of this dispute has directly caused me financial harm. During my first dispute attempt, Chime issued a provisional credit, only to abruptly reverse it and deny the claim right before I left for a scheduled vacation. Upon reopening the claim and submitting the irrefutable evidence from XXXX, Chime explicitly informed me that I would receive a provisional credit on XX/XX/year>, while they investigated. XX/XX/XXXX passed without the credit being issued. Chime 's failure to honor this promised credit left me financially strained during my trip. This demonstrates a clear failure in their dispute resolution operations and a blatant disregard for their regulatory commitments to account holders. Chimes Failure to Investigate I have submitted XXXX XXXX XXXX ( showing the split billing error ) and XXXX XXXX XXXX ( proving the actual amount owed ), along with a detailed written explanation, XXXX separate times. Chimes dispute team has repeatedly rubber-stamped this denial, ignoring the fact that the merchant 's own official documentation proves they retained {$550.00} for a bill that was already fully settled by a different financial institution.

Company response to consumer: Closed with explanation