Consumer complaint received 2026-01-24 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: IL

Complaint narrative:
CFPB Complaint Narrative Unauthorized Electronic Fund Transfers Consumer : XXXX XXXX Financial Institution : Chime Financial , Inc. 
Account : Ending in XXXX Product : Checking Account / Debit Card Complaint Summary I am filing this complaint against Chime Financial , Inc. for violations of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. Part 1005 ) related to unauthorized electronic fund transfers from my account. 
Multiple transactions were posted to my account that I did not authorize, initiate, or approve. I timely reported these transactions and disputed them through Chimes dispute process. Despite timely notice and submission of documentation, Chime denied reimbursement without providing evidence that I authorized the transactions. 
Unauthorized Transactions Improperly Denied Dispute # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law Violations Under the Electronic Fund Transfer Act and Regulation E, once a consumer reports unauthorized electronic fund transfers, the burden of proof rests on the financial institution to demonstrate authorization. Chime failed to conduct a reasonable investigation and failed to provide evidence of authorization, constituting violations of federal law.

Harm to Consumer Chimes failure to refund these unauthorized transactions caused financial loss, hardship, and significant time spent attempting to correct the issue. Resolution Requested I respectfully request that the CFPB require Chime Financial , Inc. to immediately refund all unauthorized transactions listed above, provide written confirmation of reimbursement, and comply with Regulation XXXX going forward. 
Attachments Formal Demand Letter to Chime Screenshots of disputed transactions and denial notices Formal Demand for Immediate Refund of Unauthorized Account Transactions Notice Under Federal Law To Whom It May Concern at Chime, My name is XXXX XXXX, and I am the accountholder of Chime account number XXXX. This letter serves as formal notice and demand for the immediate reimbursement of unauthorized account transactions that I timely disputed and that Chime has improperly denied. 
None of the transactions listed below were authorized, initiated, or approved by me. These charges constitute unauthorized electronic fund transfers under federal law. 
Denied Disputes and Unauthorized Transactions Dispute # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Denied ) Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. Part 1005 ), Chime bears the burden of proving that these transactions were authorized. I did not authorize them, and denial without evidence violates federal law. 
I hereby demand : Immediate reimbursement of all stolen funds listed above ; Written confirmation of reimbursement ; and A written explanation with evidence for any continued denial. Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and pursuit of all remedies available under law. Formal Fraud Affidavit Unauthorized Debit Card and XXXX XXXX Card Transactions To Chime Member Services, I am submitting this statement as a formal fraud affidavit disputing unauthorized and fraudulent card transactions made using my Chime Debit Card and Chime XXXX XXXX XXXX. 
I did not authorize, approve, recognize, or knowingly permit any of the charges listed below. These transactions were conducted without my consent. I did not knowingly enroll in, agree to, or approve any trial, subscription, or recurring billing associated with these merchants. Any indication of authorization is the result of fraud, deceptive practices, or misuse of my card information. 
These disputes are submitted pursuant to Regulation E ( 12 CFR 1005 ) for unauthorized debit card transactions and the Fair Credit Billing Act ( 15 U.S.C. 1666 ) for unauthorized XXXX XXXX card transactions. 
Unauthorized and Fraudulent Transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00} CFPB Escalation Notice : If these disputes are not resolved in full compliance with Regulation E and the Fair Credit Billing Act, I will immediately escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). This affidavit and supporting documentation will be submitted as evidence of timely notice and noncompliance. 
I certify under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation