Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am submitting this complaint regarding the mishandling of unauthorized transactions on my Chime Bank account during the period of my XXXX. 

I was XXXX  from XX/XX/XXXX, through XX/XX/XXXX. During this entire period, my Chime debit card and account were used without my authorization, and the funds in my account were depleted. It is impossible that I made these transactions, as I was in XXXX  with no access to my card or account. 

Upon my XXXX, I immediately contacted Chime to dispute these charges. I provided all necessary documentation, including : Proof of XXXX  covering XX/XX/XXXX, through XX/XX/XXXX Police reports documenting the theft and misuse of my identity and personal property Supporting documentation showing I could not have accessed my account during that time Despite this clear evidence, Chime initially denied my claim and refused to reimburse me for the unauthorized transactions. However, Chime has since issued partial reimbursements for two of the payouts I disputed. This demonstrates acknowledgment that my claim is valid, yet Chime continues to withhold reimbursement for the remainder of the stolen funds. 

Chimes failure to fully reimburse me is in direct violation of the Electronic Fund Transfer Act ( EFTA ), Regulation E, which requires financial institutions to investigate and resolve disputes of unauthorized electronic transactions. I have complied with every request for documentation, and Chimes partial reimbursement further confirms that my claim is legitimate. 

I am respectfully requesting that the Consumer Financial Protection Bureau investigate Chimes handling of this matter and require Chime to : 1. Reimburse me for all unauthorized transactions that occurred from XX/XX/XXXX, through XX/XX/XXXX. 
2. Provide a written explanation for why they reimbursed only part of my claim and denied the rest.

3. Review and correct their dispute resolution practices to ensure compliance with Regulation E. 

I am seeking full reimbursement of all funds stolen during my XXXX, along with accountability from Chime for their mishandling of this matter. 

Thank you for your time and attention to this complaint. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX ps.This is XXXX  from Chime Member Services and I work alongside XXXX with regards to your closure check. 

Thank you for confirming your address. I am pleased to inform you that your closure check amounting to {$600.00} has been successfully processed and already scheduled to be delivered to the address on file with Chime. Just know that you should receive your check in the mail within 30 days after the check was requested. 

If you're unable to retrieve the check from that address, you can also ask USPS to hold it at a pickup point if you contact them. They can also see what other options for pickup are available to you. 

I hope this information helps and apologies for the inconvenience. 

With sincere thanks, XXXX  | Member Services Specialist This was a email from chime, approving only the dispute they wont approve which shows when they approve this one I was XXXX XXXX so all of those just like this one shouldve been approved, but they dont want to because of the amount of money it would add up to, so Im asking CFPB to pre-please make sure and give me my money.

Company response to consumer: Closed with explanation