Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DE

Complaint narrative:
CFPB Complaint : Unauthorized Charges, Refusal to Close Account to stop further unauthorized payments, Bad Faith Handling, and XXXX for XXXX XXXX : Chime Financial , Inc. 
Issue : Unauthorized transactions/ fraud, Account servicing issues, XXXX tactics, Attempts to collect debt not owed. 


XXXX. What happened? 

I am filing this complaint regarding multiple unauthorized charges on my Chime Checking account, Chime 's subsequent refusal to close my account or reverse the fraudulent transactions despite clear evidence, their threat to damage my credit history over these fraudulent debts, and the significant time and distress this has caused me. 

On XX/XX/year>, an unauthorized charge of {$150.00} was posted to my account from " XXXX XXXX XXXX XXXX XXXX This followed a smaller unauthorized XXXX charge of {$20.00} on XX/XX/year>. I have never authorized these transactions. 

I immediately took the following steps : XXXX. Contacted XXXX : A XXXX agent confirmed in a live chat that my XXXX account " has no recent account movements '' and " there are no incoming payments. '' The agent explicitly stated, " If the money is coming out from your bank account, then I suggest to contact your bank for more information on those charges. '' I provided these chat transcripts to Chime. 
XXXX. Contacted Chime Multiple Times : Over XXXX hours across multiple chats and calls, I provided Chime with screenshots of the fraudulent transactions and the evidence from XXXX proving the charges were not initiated by me or XXXX. 

Chime 's Response Has Been Unacceptable and in Bad Faith : Ignored Clear Evidence : Despite seeing the screenshot proof from XXXX, Chime representatives deflected and refused to provide any logical explanation for why this evidence was being disregarded. 
Refused to Close Account or Reverse Charges : When I requested to close my account to prevent further fraud, Chime refused, stating I had to first pay the negative balance created by the very fraudulent charges I was disputing. They have not initiated a proper fraud investigation. 
Threatened My Credit : A Chime representative explicitly stated that not settling this fraudulent balance would affect my " credit history '' and " future use. '' This is a direct threat to report a debt I do not owe to credit bureaus. 
Attempted Additional Unauthorized Collection : Chime also attempted to pull funds from another XXXX of my linked accounts to cover this fraudulent debt. 
Caused XXXX XXXX : Chime 's pattern of stalling, deflection, and acting in bad faith has forced me to spend over XXXX hours attempting to resolve what should be a straightforward fraud case. They have caused immense stress and wasted my time. 

XXXX. What would you like the company to do to make things right? 

To resolve this matter fully and compensate me for the significant harm and time wasted due to Chime 's negligence and bad faith, I demand the following : XXXX. Immediate Account Closure : Close my Chime Checking account ( ending in * * * XXXX ... ) immediately upon receipt of this complaint. 
XXXX. Full Financial Remediation : Permanently remove the fraudulent XXXX charges ( {$150.00} and {$20.00} ) and any associated fees. My account balance must be corrected and all negative balances must be waived. 
XXXX Credit Protection Guarantee : Provide me with a written guarantee, sent via mail and email, that Chime will not report any information related to this account or its fraudulent negative balance to any consumer credit reporting agency ( Equifax XXXX Experian, TransUnion XXXX. Furthermore, Chime must confirm that no such reporting has occurred to date. 
XXXX. Compensation for XXXX and XXXX : Compensate me for the over XXXX hours I have wasted due to Chime 's failure to properly investigate and resolve clear fraud. At a reasonable rate of {$50.00} per hour for this unnecessary burden, I demand a settlement of {$750.00} to be paid directly to me via check or electronic transfer. 
XXXX. XXXX XXXX : Provide a detailed, written explanation from a supervisor for : Why the evidence from XXXX was initially ignored. 
Why I was told my account could not be closed due to a fraudulent balance. 
Why a representative threatened my credit history over a disputed, unauthorized debt. 

XXXX. Steps youve taken to resolve this issue XXXX XXXX and obtained proof the charges were unauthorized. 
Contacted Chime Support on multiple occasions ( over XXXX hours total ) via chat and phone. 
Provided Chime with full screenshots of the fraudulent transactions and XXXX 's confirmation. 
Requested account closure and dispute resolution, which were denied. 
Informed Chime of their error and the threat to my credit, to no avail. 


I am attaching the following evidence with this complaint : XXXX. Screenshot of my Chime account showing the negative balance from the fraudulent charge. 
XXXX. Screenshot of the fraudulent {$150.00} XXXX transaction details. 
XXXX. XXXX of Chime transaction history showing multiple fraudulent XXXX charges XXXX. Screenshots of my chat with XXXX support confirming no account activity XXXX. Screenshots of Chime support refusing to close my account and threatening my credit history XXXX. XXXX of Chime support acknowledging my evidence but failing to act

Company response to consumer: Closed with explanation