Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against Chime regarding a dispute I filed for multiple unauthorized transactions that were not properly investigated. 

On XX/XX/year>, I submitted a dispute to Chime covering 19 transactions that appeared unauthorized or incorrect on my account. These included payments to XXXX XXXX XXXX, XXXX, XXXX, and multiple charges from XXXX XXXX XXXX XXXX. The total amount in dispute was several hundred dollars. 

Chime notified me that my dispute was denied on XX/XX/year>, but provided no clear explanation or supporting documentation showing how they reached that decision. I reviewed my email and account records, and there was no evidence that Chime conducted a proper or timely investigation as required under Regulation E ( 12 CFR 1005.11 ) of the Electronic Fund Transfer Act ( EFTA ).

According to Regulation E, financial institutions are required to : Conduct a reasonable investigation into all reported errors ; Provide the consumer with the results and evidence supporting their findings ; and Credit the consumers account within 10 business days ( or 45 in special cases ) while the investigation is ongoing. 

Chime failed to meet these requirements. I was never provided detailed evidence of their investigation, such as merchant correspondence, transaction logs, or proof of authorization. I also did not receive any provisional credit during the review period. 

As a result, I am out {$1100.00}, and my account was negatively affected. 

I am requesting that the CFPB review Chimes handling of this case and require them to : 1. Reopen and properly investigate my dispute ; 2. Provide documentation of their investigation process and results ; and 3. Issue the appropriate refunds for any unauthorized or improperly handled transactions. 

Attached is a screenshot from my Chime account showing the list of denied transactions and dispute dates. 

Thank you for your attention and assistance in resolving this matter. 
XXXX XXXX XXXX, XX/XX/XXXX at XXXX XXXX  for {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  for $ XXXX XXXX XX/XX/XXXX at XXXX XXXX  for {$310.00} XXXX XX/XX/XXXX at XXXX XXXX  for {$78.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  for {$5.00} XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  for {$13.00} XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  for {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  for {$13.00} XXXX XXXX XXXX XXXX XXXX  XXXX at XXXX XXXX  for {$13.00} XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  for {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  for {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  for {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  for {$13.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  for {$25.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  for {$20.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  for {$10.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  for {$30.00} XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  for {$2.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  for {$8.00}

Company response to consumer: Closed with non-monetary relief