Consumer complaint received 2026-02-23 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: OH

Complaint narrative:
On XX/XX/year>, I discovered two unauthorized debit card transactions on my Chime checking account from XXXX at approximately XXXX XXXXXXXX and XXXX XXXX in the amounts of {$470.00} and {$470.00}. Upon noticing these charges, I immediately disabled my debit card through the Chime mobile application. At approximately XXXX XXXX, a third transaction in the amount of {$1100.00} was attempted but declined because I had already turned off the card. I contacted Chime customer support that same day to report the unauthorized transactions. I was advised that nothing could be done because the charges were still in pending status and that a dispute could not be initiated until the transactions posted. I was directed to contact the merchant directly. That same day, XX/XX/year>, I contacted XXXX via email ( the only available support channel ), reported the fraudulent charges, requested cancellation, and sought a refund. I attached documentation of the transactions. The receipts reflected a purchaser name that is not mine, further confirming that these transactions were unauthorized. I never received any response from XXXX. The transactions in question were used to purchase gift cards. The rapid, back-to-back charges followed by an additional attempted transaction within minutes are consistent with known fraud patterns, particularly involving gift card purchases, which are widely recognized as high-risk for unauthorized activity. After several weeks passed without resolution or communication, I contacted Chime again and was informed that no dispute had ever been initiated despite my XX/XX/XXXX report. A dispute was then opened. The following day, I received notice that the dispute had been denied. I contacted Chime again, requested the dispute be reopened, and provided copies of my XX/XX/XXXX email to XXXX, including the receipts showing another individuals name associated with the purchases. Chime confirmed there was a record of my original fraud report on XX/XX/year>. Nevertheless, I received another denial the following day. These were unauthorized electronic fund transfers. I reported them immediately upon discovery. I never lost possession of my debit card and did not provide my card information or account access to any third party. Under the Electronic Fund Transfer Act and Regulation E, a financial institution must conduct a reasonable investigation after receiving timely notice of unauthorized electronic fund transfers. The documentation provided, including receipts bearing another individuals name and evidence of rapid gift card purchases, should have been considered as part of a reasonable investigation. To date, I have not received a meaningful explanation of the basis for denial, nor have I been reimbursed for the unauthorized transactions totaling {$950.00}. I am requesting confirmation that a compliant investigation has been conducted, a written explanation identifying the evidence relied upon in denying my claim, and reimbursement of the unauthorized transfers.

Company response to consumer: Closed with explanation