Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX Glittering XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX https : XXXX RE : Formal Complaint XXXX Chime XXXX XXXX XXXX and XXXX For Violations of Regulation XXXX, UDAAP, and State Consumer Law Account Holder : XXXX XXXX Chime XXXX Account : XXXX Total Disputed Amount : {$1900.00} To Whom It XXXX Concern : I am filing this formal complaint against my financial institution, Chime Financial XXXX XXXX XXXX XXXX Chime '' ), and the merchant, XXXX, for a pattern of unfair, deceptive, and abusive practices that have resulted in {$1900.00} of unauthorized and erroneous charges. This complaint details how XXXX systematically billed me for undelivered services and how Chime has subsequently failed in its legal obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate these errors and provide provisional credit, causing me continued financial injury. 

I. Systematic Violations by the Merchant ( DoorDash ) My attached documentation, including detailed transaction logs for XXXX and XX/XX/year>, reveals that XXXX engaged in a persistent and illegal pattern of charging for services not rendered. The violations are twofold : Charges for Undelivered/Unaccepted Goods/Services : Across XXXX documented instances, XXXX charged my account for orders that were never delivered, were significantly incomplete, or were incorrect. Each time, I contacted XXXX directly, and my valid requests for refunds were systematically denied. This constitutes a fundamental breach of contract and violates : The Fair Credit Billing Act ( FCBA ) principles, which define charges for " goods not delivered to the obligor as agreed '' as a billing error ( 15 U.S.C. 1666 ( b ) ( 3 ) ). 
The Nevada Deceptive Trade Practices Act ( XXXX XXXX XXXX ), specifically XXXX XXXX ( XXXX ) for " knowingly failing to deliver goods or services as promised '' and XXXX XXXX ( XXXX ) for " charging a customer without their consent. '' Duplicate Billing : My records show multiple instances of duplicate billing for single orders or services, a direct violation of the FCBA 's prohibition on charging " an amount greater than the actual amount of the transaction '' ( 15 U.S.C. 1666 ( b ) ( 1 ) ). 
XXXX. XXXX XXXX Failures by Chime XXXX XXXX XXXX. 

Despite providing Chime with exhaustive evidence of this pattern, Chime has failed to meet its obligations under federal law, specifically the XXXX and its implementing regulation, Regulation E ( 12 C.F.R. 1005.11 ). 

Failure to Conduct a Reasonable Investigation : Regulation E requires financial institutions to conduct a " reasonable investigation '' into disputed errors. Chime 's investigation was perfunctory at best. The bank relied solely on XXXX 's boilerplate responses without critically evaluating the voluminous, patterned evidence I provided that proved the charges were for non-rendered services. A reasonable investigation would have recognized the systematic nature of the merchant 's errors. 
Failure to Provide XXXX XXXX : This is Chime 's most serious violation. Pursuant to XXXX C.F.R. XXXX ( c ) ( XXXX ) ( i ), if a financial institution can not complete its investigation within XXXX ( XXXX ) business days, it must provisionally credit the consumer 's account for the disputed amount. I formally notified Chime of these errors in writing, yet they have willfully withheld the mandatory provisional credit of {$1900.00}, depriving me of the use of these funds and exacerbating my financial instability. 
Evidence of a Clear " Error Ignored by Chime : The most stark evidence Chime ignored is documented in my XX/XX/year> statement. On XX/XX/year>, a XXXX charge for {$55.00} posted to my checking account. In response, I was forced to make an emergency transfer of {$56.00} from my savings account on the very same day to cover this illegitimate charge. Despite this transfer, my checking account was still left with a negative balance, which is mathematically impossible unless the XXXX charge was erroneous or double-posted. This single transaction is irrefutable proof of an " error '' as defined by Regulation XXXX, yet Chime failed to acknowledge it. 
XXXX. The Documented Pattern of Financial Harm My bank statements are not merely records of transactions ; they are a ledger of the direct financial harm caused by these violations. The evidence shows a consistent, damaging cycle : An illegitimate XXXX charge posts. 
This charge immediately causes my checking account balance to become negative or insufficient for essential expenses. 
I am forced to execute an emergency transfer from my Chime XXXX Account to cover a debt I do not rightfully owe. 
This is not a pattern of discretionary spending but a documented sequence of financial injury caused by being billed for fraudulent and unauthorized transactions. 

IV. Conclusion and XXXX for XXXX Chime 's failure to adhere to the core consumer protections of XXXX XXXX the mandate for provisional credit and a reasonable investigationhas left me without recourse. Meanwhile, XXXX continues its deceptive practice of charging for undelivered food. 

Therefore, I respectfully request that the CFPB : Investigate Chime for its failure to comply with Regulation XXXX, including its refusal to provide a provisional credit and conduct a meaningful investigation. 
Investigate XXXX for its unfair and deceptive practices under the XXXX XXXX XXXX XXXX ( XXXX ) and for violations of state law. 
Facilitate the full restitution of my {$1900.00}. 
Ensure that both Chime and XXXX correct their business practices to prevent this from happening to other consumers. 
I have attached all relevant documentation, including my bank statements, detailed dispute logs, and my formal correspondence with Chime. I am prepared to provide any further information required. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation