Consumer complaint received 2026-03-30 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: OK

Complaint narrative:
Company : XXXX XXXX XXXX XXXX. ( issuer of Chime debit cards ) Product : Checking or savings account Issue : Problem with a lender or other company charging my account / Unauthorized transactions -- - I am filing this complaint against XXXX XXXX XXXX XXXX, which issues debit cards under the Chime brand, for twice denying a valid Regulation E fraud dispute involving an unauthorized charge of {$62.00}. FACTS : On XX/XX/year>, an unauthorized charge of {$62.00} appeared on my Chime checking account from a merchant called " XXXX XXXX XXXX '' ( descriptor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). This is a XXXX resort company I have never had any dealings with and did not authorize any payment to. I discovered the charge the same day, immediately reported it to Chime, and canceled my debit card. Because Chime 's system would not allow me to formally open a dispute until the charge fully posted, I called back on XX/XX/year> to initiate the dispute. I provided a complete and consistent account : I did not make this transaction, I had my card in my possession, my PIN was memorized and not shared with anyone, I had not given anyone access to my account, and I did not know how my card data was obtained. Chime denied my dispute on XX/XX/year>. I called the same day, escalated to a manager, and the investigation was reopened. On XX/XX/year>, Chime denied the dispute a second time. I requested the evidence file used to reach their determination. They provided three documents : 1. My intake call transcript which contains only my consistent, credible statements that the transaction was unauthorized. There is nothing in this transcript that contradicts my claim. XXXX. Supporting evidence I submitted including XXXX XXXX timeline data confirming I was in XXXX XXXX, Oklahoma on XX/XX/year> ( the charge originated from a XXXX company in XXXX ) ; browser search history showing me researching " XXXX XXXX XXXX '' immediately after the charge appeared, including searches for " XXXX XXXX XXXX fraudulent '' ; and Chime push notification screenshots showing my card being declined simultaneously at seven different XXXX 's restaurant locations at XXXX XXXX a few days later a textbook fraud pattern consistent with card data being tested across multiple terminals after being stolen. XXXX. My bank statement which shows XXXX months of consistent, routine spending at local XXXX XXXX merchants, with no prior or subsequent transactions involving XXXX XXXX XXXX or any XXXX merchant. REGULATION E CONCERN : Under the Electronic Fund Transfer Act and Regulation E, financial institutions are required to conduct a reasonable, good-faith investigation of unauthorized transaction claims. XXXX XXXX XXXX XXXX Chime has failed to meet this standard. The evidence they relied upon to deny my claim does not support that determination in fact, it corroborates my account. My location data places me in XXXX XXXXXXXX while the charge came from a XXXX company. My search history shows I had no prior knowledge of the merchant. The simultaneous declined transactions at multiple XXXX 's locations are a recognized indicator of card skimming or data compromise that Chime 's own fraud systems flagged in real time and then apparently disregarded during their investigation. I have retained all documentation related to this dispute, including the evidence file Chime provided, and am prepared to provide it upon request.

Company response to consumer: Closed with explanation