Consumer complaint received 2026-03-10 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: AZ

Complaint narrative:
TO : XXXX ( CFPB ) CC : XXXX ( Chime Corporate Counsel ) XXXX ( XXXX XXXX XXXX XXXX. ) XXXX ( FDIC ) XXXX SUBJECT : CFPB Complaint Unauthorized Transaction, EFTA Violations, and Bad Faith Handling 48-Hour Cure Demand -- - Dear CFPB Officials, This is a formal complaint regarding an unauthorized transaction on my Chime XXXX Debit Card , Chime Financial , Inc.s and XXXX XXXX XXXX willful failure to investigate and refund, and their pattern of bad faith and evasive conduct over more than XXXX XXXX. This complaint establishes official notice, creates a litigation hold, and reserves all rights to pursue civil action in multiple jurisdictions. -- - 1. Unauthorized Transaction Details- Merchant : XXXX - Transaction Date : XX/XX/XXXX - Posted : XX/XX/XXXX - Transaction ID : XXXX - Amount : {$40.00} On XX/XX/XXXX, I submitted a dispute to Chime requesting investigation and refund. XXXX management confirmed no record of the transaction and could not reverse it, strongly suggesting rogue employee activity or internal mismanagement. Chime has repeatedly : - Ignored written disputes- Provided only automated replies - Redirected dispute filings to channels designed to avoid accountability - Forced me to recall account details after more than XXXX XXXX -- - 2. Consequential Harm Due to Chimes and XXXX XXXX XXXX inaction : - I experienced financial disruption and hardship, impacting basic living arrangements- The failure to refund the transaction has exacerbated the effects of the unauthorized debit -- - 3. Violations of Federal Law Chime and XXXX XXXX XXXX have violated : - Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. - 1693f Failure to conduct a reasonable investigation - 1693f ( b ) Failure to correct the error or credit the account - 1693g Improper shifting of liability for unauthorized transactions - CFPB Regulation E ( 12 C.F.R. Part 1005 ) Evasion and systemic non-compliance - State Consumer Protection Laws ( XXXX & others ) Unfair or deceptive practices, bad faith handling This conduct mirrors prior CFPB enforcement actions against Chime for failure to timely refund and investigate unauthorized transactions. -- - 4. Demand for Cure ( 48 HOURS ) Chime and XXXX XXXX XXXX must, within 48 hours of receipt : 1. Refund {$40.00} plus {$10000.00} in consequential and statutory damages 2. Provide written confirmation that the transaction is deemed unauthorized 3. Identify the personnel or department responsible for handling this dispute 4. Certify compliance with EFTA and Regulation E 5. Preserve all records relating to my account, dispute handling, internal communications, and automated systems ( litigation hold ) All communications must be via email only. Phone calls or non-written contacts will be considered delaying or harassing tactics. -- - 5. Reservation of Rights If Chime or XXXX XXXX XXXX fails to comply within 48 hours, I will : - File civil actions in multiple jurisdictions for actual, statutory, and consequential damages, costs, and attorneys fees- Submit formal complaints to CFPB, FDIC, OCC, and other applicable regulators - Subpoena records to expose systemic obstruction and bad faith practices This is a final formal complaint and demand. No further informal attempts will be made. -- - XXXX XXXX XXXX ( email-only contact ) Chime Account Holder Attachments : Original XX/XX/XXXX dispute email, Chime responses, and documentation of harm

Company response to consumer: Closed with explanation