Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: OK

Complaint narrative:
I am submitting this formal complaint regarding Chime 's mishandling of unauthorized transactions on my credit account and what I believe to be subsequent retaliatory treatment. 

On XX/XX/year>, I submitted a dispute to Chime regarding XXXX fraudulent transactions totaling {$2900.00} charged to my Chime credit account ending in XXXX. These transactions were made without my knowledge, authorization, or consent and occurred in foreign locations where I was not present. The details are as follows : {$1200.00} XXXX XXXX XXXX XXXX Date/Time : XX/XX/year> at XXXXXXXX XXXX XXXXocation : So XXXX, XXXX ( XXXX XXXX ) Category : General services Card : XXXX {$590.00} XXXX XXXX XXXX : XX/XX/year> at XXXX XXXX Location : XXXX, XXXX ( XXXXXXXX XXXX ) Category : General services Card : XXXX {$1100.00} XXXX Date/Time : XX/XX/year> at XXXXXXXX XXXX Location : XXXX, XXXX XXXX ( XXXX XXXX ) Category : General shopping Card : XXXX I have no ties to these merchants or regions and received no goods or services from them. I acted promptly by reporting these as unauthorized merchant charges under the appropriate dispute resolution procedures. 

However, Chime denied my dispute via written communication ( Claim ID : XXXX ) after XXXX exact business days, stating that no billing error occurred. According to their notice : A review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 
Despite this vague language, Chime failed to provide any documentation, merchant evidence, or proof that I authorized the transactions. To my knowledge, no chargeback was initiated, and no effort was made to contact the merchants to verify the legitimacy of these purchases. I believe this is a clear violation of Regulation Z under the Truth in Lending Act, which outlines a creditors obligations to fully investigate billing errors and resolve disputes fairly. 

After receiving the denial, I reached out to Chime to request that the dispute be reasserted and to obtain further information regarding the denial. A supervisor informed me that they would not be able to refile the dispute or provide any additional information beyond what was outlined in the email from the Dispute Team. This response further indicates Chimes unwillingness to engage in a meaningful resolution of the issue, reinforcing the lack of transparency and accountability in their dispute process. 

Following the denial of my claim, I experienced a sudden downgrade in service. I had previously earned and used a Chime premium metal credit card, awarded through consistent transaction use within a specified timeframe and referral requirements. I had this metal card renewed at least once upon expiration. After filing my dispute, my card was reissued as a basic plastic card without explanation. This change occurred only after I exercised my consumer rights, and I believe this constitutes retaliatory behavior and potentially violates UDAAP standards ( Unfair, Deceptive, or Abusive Acts or Practices ). 

This is not an isolated incident. Chime has faced previous scrutiny and regulatory enforcement actions, including the CFPBs Administrative Proceeding File No. XXXX. My experience appears consistent with a larger pattern of noncompliance, insufficient consumer protection, and mistreatment following valid disputes. This reinforces my belief that their actions towards medenying my rightful dispute, failing to investigate properly, and retaliating against meare part of a broader issue of discriminatory and unfair business practices that have affected not only me but potentially other customers as well.

Company response to consumer: Closed with explanation