Consumer complaint received 2025-08-28 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:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Chime for Handling Fraudulent Charges Dear CFPB, I am writing to formally file a complaint against Chime for their inadequate handling of disputes related to fraudulent charges on my account. Despite my extensive efforts to resolve these issues, Chime has repeatedly denied my claims without providing me with clear reasoning or adequate support. 

To provide you with the details of my situation : 1. Initial Dispute : I filed my first dispute regarding fraudulent charges dating back to XX/XX/XXXX, for purchases made in XXXX for XXXX $ from XXXX ( a clothing store ). I have not received the goods or services associated with these charges, and the merchants involved have not responded to my multiple attempts to contact them via phone and email. 
2. Documentation : I have submitted comprehensive documentation to Chime, including screenshots of my attempts to contact the merchants, proof of payments, and evidence indicating that the charges were fraudulent. Despite this, my initial dispute has not been resolved. 
3. Subsequent Disputes : I filed two additional claims, both of which were denied twice. One from XXXX for XXXX $ and another from XXXX XXXX XXXX XXXX for XXXX XXXX These were supposed to be apartment applications, however, the apartment listing in question was not up to date / unkept by said property manager and were not actually available at the time of applying. After numerous calls, my husband and I finally managed to speak with the property manager ( responsible for the XXXX $ application fee we both had already paid for ) she let us know this apartment was not available and had not been available for months as it was already rented out months ago. She claimed she was sorry and that she would take down the apartment listing as to not confuse new renters, however, to this day the listing is still showing an available apartment and that you can pay XXXX $ to apply for it. So in turn, she refused to take down the listing that poses legitimate concerns about XXXX  and how they conduct and run their business. I reached out to Chimes customer service on XX/XX/XXXX and again on XX/XX/XXXX to inquire about these denials. During my last conversation, a representative assured me that I would receive an email detailing the reasoning behind the claims denials ; however, I have yet to receive any communication. 
4. Lack of Response from Merchants : I have made numerous attempts to contact the fraudulent merchants, but all efforts have been met with silence, further complicating my ability to resolve these issues directly.

5. Pattern of Behavior : I have found that many other Chime customers have reported similar issues with fraudulent charges, indicating a systemic problem with Chimes response to such incidents. It appears that Chime is not fulfilling its legal obligations to protect its customers from fraud and ensure the return of funds for unauthorized transactions. 

Given these circumstances, I find Chimes behavior unacceptable and believe that action is required to hold them accountable for their responsibilities in managing fraudulent charges. I request your assistance in investigating this matter, as I have exhausted all avenues for resolution. 

Thank you for your attention to this important issue. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation