Consumer complaint received 2025-09-15 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: NC

Complaint narrative:
* * CASE SUMMARY : * * * * 1. PHONE SCAM INCIDENT ( {$1200.00} LOSS ) * * - Scammers spoofed Chime 's phone number and contacted me -i didn't answer -I called chime and they called me back to confirm my identity- They created a fraudulent {$16.00} charge, then convinced me I was being " hacked '' -this person knew that I had recently ordered a new debit card - During this 21-minute callback, they instructed me to transfer my entire {$1200.00} balance to a scammer-controlled account ( XXXX ) -I was told I would be receiving my card tomorrow and upon activating it everything would be back to normal. 
- When I reported this to Chime, they denied the calls ever occurred - Chime approved dispute of the small {$16.00} charge but denied the {$1200.00} twice, both having happened during the same id confirmation callback - I have recordings of subsequent calls with Chime representatives * * 2. ADMISSION OF UNFAIR DISPUTE PRACTICES * * - During a recorded 90-minute call, a Chime dispute representative admitted they " get in trouble for approving large amounts '' - This explains their pattern of approving small fraudulent charges while denying larger legitimate disputes * * 3. PATTERN OF UNFAIR DISPUTE DENIALS * * - * * XXXX XXXX Charges * * : Five months of unauthorized {$9.00} charges. Chime denied disputes for previous charges but approved only the most recent identical charge from the same vendor - * * Defective Engine Purchase * * : Purchased engine from " Quality Used Engines, '' received defective product, company became unresponsive. Despite submitting extensive proof within 30-day dispute window, Chime denied the claim * * 4. EVIDENCE OF SYSTEMATIC NEGLIGENCE * * - Chime provided me with all documentation used in dispute decisions- * * Critical Finding * * : None of my submitted evidence ( screenshots, emails, proof ) was included in their decision documentation - This proves Chime systematically ignores customer evidence in dispute processes * * 5. DISABILITY DISCRIMINATION CONCERNS * * - I have documented XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks have heightened duties to protect vulnerable customers - Chime failed to provide appropriate protections and dispute resolution for a XXXX customer * * EVIDENCE AVAILABLE : * * - Recorded phone calls with Chime representatives- Complete dispute documentation from Chime showing absence of my submitted evidence - Email communications and transaction records- Medical documentation of XXXX - Screenshots and proof submitted for disputes * * POTENTIAL LEGAL CLAIMS : * * - Banking fraud and negligence - Unfair business practices- XXXX discrimination - Breach of fiduciary duty - Violation of consumer protection laws- Systematic dispute process failures This case involves clear evidence of institutional bias against approving larger dispute amounts, systematic failure to review customer evidence, and inadequate protections for vulnerable customers. The recorded admission by their representative provides compelling evidence of their unfair practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation