Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
FORMAL COMPLAINT & DEMAND FOR ACCOUNTABILITY XX/XX/year> To : Legal Department, Chime Financial , Inc. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Subject : Unauthorized Debit, Failed Promises, and Mishandled Dispute XXXX {$29.00} To Whom It May Concern : This complaint is submitted under XXXX XXXX and full lawful standing by the living man, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX. I am issuing this demand in light of confirmed deception, financial injury, and willful inaction by Chime Financial , Inc., in reference to the unauthorized transaction of {$29.00} by XXXX  on XX/XX/year>. 
I. CHRONOLOGY & FACTUAL BASIS 1. I canceled my XXXX  Premium membership, effective XX/XX/year>. I received multiple confirmations from XXXX  that my membership had been canceled and would not renew or bill future payments. 
2. Despite the cancellation, XXXX attempted to bill my Chime accounts multiple timeseach attempt failinguntil one unauthorized transaction succeeded via the Chime Credit Builder card ending in XXXX. 
3. Upon noticing the fraudulent charge, I contacted Chime and was assured by a representative ( Ref XXXX XXXXXXXX ) that the transaction would either drop off or be removed immediately after settlement. This promise, made during a recorded call, was not honored.

4. I was later required to initiate the dispute process manually. Documentation was submitted proving that the membership was canceled and payment was declined. Despite this, the charge posted, overdrafted my account, and disrupted my financial balance during a critical time.

5. Screenshots and chat logs show Chimes continued deflection and systemic mishandling, including statements that contradict each other and fail to acknowledge the original verbal commitment made by Chime staff.

It is understood that Chime is not a traditional bank but a financial technology ( XXXX  ) company that partners with FDIC-insured banks to provide its services. However, this does not exempt Chime from legal accountability nor does it excuse its failure to execute its fiduciary duties, safeguard customer funds, or fulfill its contractual and ethical obligations to users. The financial harm incurred due to systemic inaction, false assurances, and obstructive customer service falls squarely under the obligations of any financial provider operating under U.S. consumer protection laws. Legal recourse will be pursued against Chime Financial , Inc. and its partner institutions in alignment with all applicable statutes. 
II. LEGAL VIOLATIONS - Breach of Verbal Contract and Promissory Estoppel - Violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693g ) - Willful Negligence and Financial Harm - Unfair or Deceptive Acts or Practices ( UDAAP ) 12 U.S.C. 5531, 5536 - Obstruction through Misrepresentation and Abuse of Automated Systems III. DEMAND FOR REMEDY I hereby demand the following within 10 business days from receipt of this notice : 1. Full refund of the {$29.00} unauthorized charge.

2. Written admission of mishandling and failure to uphold stated commitments.

3. Restitution for overdraft consequences and delays incurred.

4. Forwarding of this case for internal executive review. 
5. Preventative action to ensure no future access by XXXX  or any third-party to my Chime accounts without explicit written approval. 
IV. FINAL NOTICE & ENFORCEMENT WARNING Failure to provide the requested resolution will result in the immediate filing of complaints with the CFPB, FTC, and other regulatory authorities. This includes public release of materials demonstrating Chimes misrepresentations and system-wide failure to protect consumer funds. This complaint is submitted under full sovereignty and private legal jurisdiction. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent. All rights reserved. All communication, investigation, resolution, or non-response from any representative or agent of Chime Financial , Inc., its affiliates, or its partner banks shall be construed as binding upon the institution itself and may be used in full legal enforcement.

Company response to consumer: Closed with non-monetary relief