Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
Account type : Checking account Transaction date : XX/XX/year> Amount : {$100.00} Dispute number : XXXX I am filing this formal complaint against [ chime bank ] for failure to adhere to federal error resolution procedures under Regulation E ( 12 CFR 1005.11 ). Immediate Notification : I acted with extreme diligence by notifying the bank of this fraudulent transaction within 20 hours of its occurrence. This immediate action was intended to mitigate loss and allow the bank to stop the funds. Obstruction of Process : On [ Date of calls ], I spent a combined 52 minutes on the phone with bank representatives ( a 17-minute call followed by a 35-minute call ). Despite this extensive verbal notification, the bank failed to open a formal dispute and disconnected the call without a callback. Discovery of Failure : I discovered today that no dispute had been filed following my 52-minute attempt. While a dispute finally appears in my app today, the bank is refusing to acknowledge my original notification date and has failed to issue provisional credit. Regulatory Violation : Under Regulation E, the 10-business-day clock for investigation and provisional credit began on the date of my initial verbal notification. By failing to file the claim and delaying the process, the bank is attempting to reset a federal legal deadline. Formal Complaint : Fraudulent Transaction & Misclassification of Claim Account Type : Checking Account Dispute Case Number : [ Insert Case # ] Statement of Facts : I am documenting a pattern of misinformation and obstruction regarding a fraudulent transaction I reported within a 20-hour window of occurrence. Reporting Diligence : I acted immediately to protect my account. Despite my perfect timing, I was forced to spend 52 minutes on the phone across two calls on [ Date ], only to have the bank fail to file the initial dispute. Attempted Misclassification : During my follow-up call today on XX/XX/year> the representative attempted to " frame '' this fraudulent transaction as a simple " error '' to claim it was ineligible for provisional credit. I had to explicitly correct the agent, stating that this was a fraudulent, unauthorized transaction and that any attempt to misclassify it to avoid Regulation E obligations is unacceptable. Coerced Action : Only after I refused to accept this misclassification and demanded my rights be respected did the bank acknowledge the dispute and mention " temporary credit. '' Demand : I demand that this remain classified as a fraud dispute and that the " temporary credit '' be made fully available immediately, backdated to my original 20-hour notification window as required by law. Requested Resolution : I demand that my dispute be backdated to the original 20-hour notification window. I also demand immediate provisional credit be issued to my account. I have perfect records of my call times and expect the bank to preserve all recorded audio from the calls mentioned as evidence of my timely reporting.

Company response to consumer: Closed with explanation