Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
Subject : Complaint Against Chime Bank for Unresolved Unauthorized Transactions and Inadequate Dispute Resolution Dear Sir/Madam, I am writing to file a formal complaint against Chime Bank regarding their handling of unauthorized transactions on my account, their refusal to provide explanations for dispute denials, and their failure to issue provisional credits as required by law. 

Details of the Incident : Account Holder : [ XXXX XXXX ] Bank : Chime Bank Date of Unauthorized Transactions : XX/XX/year>2025, to XX/XX/year>2025 Amount : {$1300.00} Merchant ( s ) : XXXX XXXX  XXXX and XXXX Chronology of Events : XXXX. Unauthorized Transactions : Between XX/XX/XXXX and XX/XX/year>2025, I discovered unauthorized charges totaling {$1300.00} from XXXX XXXX  XXXX and XXXX  on my Chime account. 

XXXX. Dispute Filing : I immediately contacted Chimes customer service on XX/XX/year>2025, to report these unauthorized transactions and submitted a formal dispute, providing all necessary documentation, including email confirmations from XXXX and XXXX stating that I did not authorize these charges. 
XXXX. Lack of Response and Provisional Credit : Despite multiple follow-ups, after multiple attempts to reopen my dispute and it being denied everytime, I have not received any substantive response from Chime. They promised a provisional credit by XX/XX/year>2025, which has not been provided to date. 

XXXX. Dispute Denial Without Explanation : On XX/XX/year>2025, I received an email from Chime stating that my dispute was resolved and closed without any explanation or documentation supporting their decision. 

XXXX. Inability to File a Police Report : Due to the nature of the unauthorized transactions being cyber-related, local law enforcement advised that they can not file a report without documentation from the bank, which Chime has refused to provide. 

Regulatory Concerns : Chimes actions appear to violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require financial institutions to : Investigate Unauthorized Transactions Promptly : Conduct a reasonable investigation upon notification of an error. 
Provide Provisional Credit : If the investigation can not be completed within 10 business days, provisionally credit the disputed amount to the consumers account. 
Offer Explanation for Denial : If the dispute is denied, provide a clear explanation and make available the documents relied upon in making the determination. 

Chime has failed to adhere to these requirements, leaving me without recourse to recover the unauthorized funds. 

Requested Resolution : I seek the CFPBs assistance in : XXXX. Investigating Chime Banks Dispute Resolution Practices : Assess their compliance with EFTA and Regulation E concerning unauthorized transactions. 
XXXX. Facilitating the Reversal of Unauthorized Charges : Ensure that Chime credits my account for the disputed amount. 
XXXX. Mandating Transparency in Dispute Denials : Require Chime to provide clear explanations and necessary documentation when denying disputes. 

I have attached copies of all relevant correspondence, including emails with Chimes customer service, and communications from XXXX and XXXX confirming the unauthorized nature of the transactions. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

Company response to consumer: Closed with explanation