Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: WV

Complaint narrative:
I have over XXXX that has been taken out of my account from vendors that I am not responsible for. I contacted XXXX regarding these charges yesterday. I spoke with XXXX, who went through both of my XXXX XXXX accounts and can not find these charges that is on my statements that Chime says Im responsible for I was on the phone with him for over an hour and he never did find any of these charges. These charges go from XXXX day. XXXX, XXXX. Ive also had at least XXXX different cards with them due to identity, theft and fraud my most recent card I had only for less than XXXX hours and it had fraud on it already. I have contacted them several times about this and theyre letting people have access to my account .. filed the report for the {$3000.00} and less than XXXX hours they had reached a determination., I filed it on a Friday evening Saturday morning at XXXX. I got a determination letter saying that that reached determination they were denying my dispute. Chime denied my Regulation E dispute without providing the legally required evidence or explanation. When I requested the investigative file, Chime did not provide any of the documents they are required to disclose under 12 CFR 1005.11 ( d ). Instead, they only sent me copies of my own account statements and asked when I reported the fraud. A statement is not evidence of authorization, nor does it show that Chime conducted a reasonable investigation. These disputes that I filed, I am not responsible for these purchases. Ive had to change my email several different times XXXX login and XXXX get a message saying if you have reached a phone call from us just ignore it and then my email has been changed numerous times when I have not changed it. I know that theres somebody accessing my account for sure. Im not responsible for these charges. I want refunded my money. I renewed my request for the complete investigative file, including the evidence Chime relied on to conclude the transactions were authorized. Immediately after this request, Chime blocked my email address, and all messages to their support address now return an Unable to Deliver notice. I am unable to communicate with Chime or receive the documents I am legally entitled to. Blocking a consumer from communicating about a dispute prevents me from exercising my rights under the Electronic Fund Transfer Act and Regulation E. It also prevents me from receiving the written findings and evidence that Chime is required to provide. This is retaliation and obstruction. I am requesting that the CFPB require Chime to : XXXX. Provide the complete investigative file, including all evidence used to deny my claim XXXX. Provide the written explanation of their findings required under Regulation E XXXX. Explain why they blocked my email and restore communication access XXXX. Reopen and properly investigate my dispute in compliance with federal law Chime has not complied with Regulation E, has not provided the required documentation, and is now blocking me from receiving any further information. My accounts are account ending in XXXX, XXXX, XXXX,

Company response to consumer: Closed with monetary relief