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: GA

Complaint narrative:
Subject : Unauthorized Chime XXXX XXXX XXXX  XXXX  bank refused refund despite timely report I am filing a complaint about Chime ( and the FDIC-insured bank that holds my Chime account ) regarding an unauthorized electronic fund transfer and the banks refusal to refund my money. 
Institution : Chime ( Chime Financial , Inc., and its partner FDIC-insured bank that provides the Chime Spending Account ) Account type : Chime spending account ( debit / checking ) Account number ending : XXXX Dispute Claim ID : XXXX Dispute Type ( from Chimes letter ) : Pay Friends Unauthorized Transfer Total disputed amount : {$67.00} Transactions in dispute : o {$10.00} Transfer to XXXX XXXX XXXX XX/XX/year> at XXXX XXXX  o {$57.00} Transfer to XXXX XXXX XXXX XX/XX/year> at XXXX XXXX  What happened XXXX. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  for {$10.00} and {$57.00} were made from my Chime account to someone named XXXX XXXX. 
o I do not know this person. 
o I did not authorize these transfers, did not send money to this person, and did not share my login, PIN, or passcode with anyone. 
2. Around the same time, I received an email from Chime stating that a passkey had been added to my Chime account from a device called XXXX XXXX. 
o I do not own an XXXX  phone. 
o I never added this passkey or authorized anyone else to add it. 
o I believe this shows that someone gained unauthorized access to my account and added their own device and passkey. 
3. As soon as I saw the unauthorized transfers, I reported the fraud to Chime within 24 hours, on XX/XX/year>. Chimes own letter lists the Date Error Reported as XXXX. 
XXXX. Chime opened a dispute with Claim ID XXXX. I cooperated fully. 
XXXX. On XX/XX/year>, I received a letter from Chime titled Important Account Information. In that letter, Chime stated that based on our investigation, we have concluded no error occurred and that no funds will be credited to my account, and my claim is considered closed. 
6. Chimes letter says I may request a copy of the documents we used in determining the final outcome. I do not believe their investigation properly considered the facts that : o I do not own or recognize the device XXXX XXXX that added a passkey to my account. 
o I do not know XXXX XXXX. 
o I reported the fraud promptly ( within 24 hours ) of discovering the unauthorized transfers. 
Why I believe this violates my rights These transfers were unauthorized electronic fund transfers from my account. I did not initiate them and did not give permission to anyone to do so. I reported the issue promptly as soon as I became aware of it. 
Under the Electronic Fund Transfer Act and Regulation E, I understand that my liability for unauthorized transactions is limited when I report them within the required time. I believe Chime and its partner bank have improperly denied my claim and failed to reimburse me for the unauthorized withdrawals.

What I am requesting I respectfully request that the CFPB : 1. Review whether Chime and its partner bank complied with the Electronic Fund Transfer Act ( Regulation E ) in handling my claim.

2. Require the bank to provide documentation of its investigation, including how they concluded no error occurred despite the clear evidence of unauthorized access ( unknown device and unknown payee ).

3. Require the bank to reimburse the full {$67.00} to my account and correct any related fees, consistent with my rights under federal law.

I am attaching copies of the following : Email from Chime confirming my dispute was filed ( Claim ID XXXX ). 
Chimes denial letter dated XX/XX/year>. 
Emails confirming the XXXX Pay Anyone transfers to XXXX XXXX. 
Email stating that a passkey was added from device XXXX  XXXX. 
Screenshot of my recent Chime transactions showing the two transfers. 
Thank you for your assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation