Consumer complaint received 2025-09-06 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: WA

Complaint narrative:
Subject : Formal Complaint : Repeated Mishandling of Dispute and Violation of Regulation E I am filing a formal complaint against Chime for the systematic mishandling of a transaction dispute and their failure to conduct a proper investigation as required by law. 

Account Information : Chime. DESPUTES # 1. Despute XXXX despute XXXX wrong category has been filed 5 diffrent times after i have repeatedly reported the error to chime. No temporary credit on the XXXX of XXXX. Snd last phine call on XXXX XXXX XXXX around XXXX XXXX  i was told by a supervisor that they were no longer going to reopen my dispute and that it is final.XXXX  's already returned most of those transactions and those have not even come back into my account yet. 

Summary of the Problem : I have repeatedly attempted to dispute a series of transactions from XXXX XXXX for services that were not rendered.XXXX  has already canceled these transactions on their end. However, Chime has consistently and incorrectly categorized my dispute as an " unauthorized transaction '' instead of " services not received, '' leading to wrongful and automated denials. 

Timeline of Events : 1. Initial Dispute : I initially filed a dispute for these transactions. Chime incorrectly classified it. XX/XX/year>. 
2. Repeated Re-filing : I have reopened this same dispute five separate times. Each time, I have explicitly explained to customer service representatives and a supervisor that the dispute is for " services not rendered, '' not an unauthorized transaction. 
3. False Assurances : Each time I called, I was assured the dispute was being corrected and placed under the correct category. However, without fail, the dispute was denied the very next day for the same incorrect reason, indicating the category was never changed. 
4. Denial of Provisional Credit : On or around XX/XX/XXXX, I was eligible for a provisional credit. Chime wrongfully denied this credit, falsely stating my dispute had been " resolved. '' It was not resolved. 
5. Final Refusal : I have now been told by a supervisor that they will no longer reopen the dispute and that " the decision is final, '' despite the dispute remaining under the wrong category and no valid investigation taking place. 

The Core Issue : Chime is violating my rights under Regulation E by : Failing to investigate the error I reported. 
Denying my dispute based on an incorrect claim type that I have corrected numerous times. 
Withholding a mandated provisional credit while the investigation was ongoing. 

Resolution Requested : I demand that Chime : 1. Properly investigate my dispute under the correct category of " services not received. '' 2. Credit my account for the full amount of the disputed transactions, which have already been canceled by the merchant ( XXXX XXXX. 
3. Provide the provisional credit that was wrongfully denied. 

The merchant has already confirmed the error. Chime is now unlawfully withholding my money. I have exhausted all options through their customer service and require regulatory assistance to resolve this. And this is my second complaint that i've had to file with the c.fp b because they have not responded to the first complaint. And they have repeatedly ignored the category they keep filing. My dispute under.

Company response to consumer: Closed with explanation