Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WA

Complaint narrative:
I am filing a complaint against my financial institution for their repeated failure to properly investigate a billing error dispute, as required by Regulation E.

On XX/XX/year> I filed a dispute for a charge from XXXX XXXX from XXXX XXXX  for XXXX. The dispute was for " services not rendered, '' meaning I paid for a service that I never received. This is a billing error dispute.

However, the bank incorrectly and repeatedly classified my dispute as an " unauthorized transaction '' ( fraud ). I have called the bank at least four times to correct this error. Each time, a representative agreed it was a mistake and promised to update the dispute reason to " services not rendered. '' Despite these promises, the bank continues to deny my claim based on the incorrect " unauthorized transaction '' classification. The denial reason is always that I authorized the payment. This is irrelevant, as I have always stated I authorized the payment. The issue is that the merchant, XXXX, failed to provide the service. XXXX has already confirmed this and is canceling the transactions on their end. 

Furthermore, the bank failed to provide a provisional credit within 10 business days of my dispute, as required by Regulation E for billing error investigations. When I asked about this missing credit, I was told the representative had " no knowledge '' of it.

The bank 's failure to properly code my dispute has resulted in an automatic and wrongful denial of my valid claim. They are not investigating the actual issue : whether I received the services I paid for. This is a violation of my rights under the Electronic Fund Transfer Act ( Regulation E ). I have another dispute on the same account. Just using a debit or a credit card and that one hasn't been denied and it's still pending. And I was supposed to have a provisional credit on the XXXX, which was never credited through my account. And XXXX has already canceled most of these transactions yet the money 's still not back in my account. And I've had issues with chime, bring it. XXXX is refunding my money. It doesn't go directly back into my account. I had to wait almost a month and a 1/2 to get one from XXXX. That was, or do you return like a month? Prior it was not back in my account for over a month. And every time I have corrected the dispute information, they say, it's good, but then the next day. It's denied the next day and then I have to call again and file and refile the dispute, so now it's taking more time. If this does not get fixed, I'm going to get an attorney. I'm going to file lawsuit because this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am tired of dealing with time and them denying every dispute. It's ridiculous.You can never get your money back even when you have proof. They keep wanting me to send documents. I'm done sending documents. I had sent you all the documents you needed. You guys kept classifying it under as an unauthorized transaction, which I did not say it was when I call, I have to talk to somebody and that person on the phone takes down my dispute, half the time they don't speak English. And uh when I tell them to correct it, they tell me that it's corrected, but then it comes back denied because they didn't change the dispute reason since XX/XX/XXXX. I have been sitting here waiting for my money to get back to my account because XXXXXXXX XXXX  already canceled most of my transactions. Yet they're not back in my account at all.None of them

Company response to consumer: Closed with explanation