Consumer complaint received 2025-05-06 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: NM

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to express my serious grievances against Chime Financial , Inc., and to demand a full and lawful resolution in accordance with consumer protection laws under the Electronic Fund Transfer Act ( EFTA ) and enforced by the Consumer Financial Protection Bureau ( CFPB ) and Federal Deposit Insurance Corporation ( FDIC ). 

On XX/XX/year>, two unauthorized transactions totaling {$520.00} were fraudulently withdrawn from my Chime account through XXXX, a financial platform I have never authorized or used. The transactions are as follows : {$240.00} at XXXX PM {$270.00} at XXXX PM These charges occurred after I was fraudulently contacted by an individual posing as a Chime representative, who manipulated me into compromising my account. This was a classic social engineering scam, and I immediately realized the error and contacted Chime. I filed a dispute right away, and have since submitted this dispute three separate times, only to be repeatedly denied with the justification that I authorized the charges. 

Let me be absolutely clear : I did not authorize or initiate these transactions. I was scammed. 

Chimes repeated denial of my legitimate dispute is not only negligentit is a direct violation of the protections afforded to me under the EFTA ( Regulation E, 12 CFR Part 1005 ). This federal law mandates that financial institutions must investigate and resolve disputes of unauthorized electronic transfers within 10 business days, and provisionally credit the consumers account within that period unless certain exceptions apply. Chime has failed to comply with this, and instead has unjustly denied me the funds that are legally mine. 

Furthermore, Chimes decision to side with the fraudsters has resulted in severe financial hardship for me : I have incurred late fees, missed payments, and a deterioration of my credit because I no longer had access to those funds. 
I have experienced emotional distress, anxiety, and significant disruption to my financial stability. 
My basic cost-of-living needs have been compromised due to Chimes unjust decision. 

I am demanding the following : 1. Immediate reimbursement of the full {$520.00} withdrawn fraudulently from my account. 
2. Additional financial compensation for the damages Ive suffered due to Chimes negligence, including : Any and all late fees and penalties incurred as a result of my inability to pay bills. 
Potential compensation for emotional distress, inconvenience, and damage to my financial standing. 
XXXX. A written apology and assurance that my account will be properly secured and monitored moving forward. 

Chime is a financial technology company that partners with XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, both of which are FDIC-insured institutions. As such, Chime is not above federal oversight, and I am exercising my right as a consumer to demand a full and lawful review by your agency. 

If this complaint is not resolved in a timely and satisfactory manner, I will consider legal action including pursuing relief in small claims court, and I will also explore the possibility of joining or initiating a class action lawsuit should it be determined that Chime is engaging in a wider pattern of denial and negligence regarding fraud victims. 

Please consider this complaint an urgent and formal request for your direct investigation and enforcement against Chime Financial , Inc. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation