Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : ( XXXX ) XXXX Last Four of Social:XXXX Account XXXX Claim # : XXXX Amount : XXXX XXXX Claim Opened by Chime Prior to me even making the initial claim on XX/XX/year> ( XXXX ) Claim XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> Via Certified Mail and Electronic Delivery Chime Financial, Inc . 
XXXX XXXX XXXX Department Attention XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Demand for Provisional Credit and Investigation Records Unauthorized Electronic Fund Transfers Violations of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. Part 1005 ) To Whom It May Concern : I am writing regarding Chimes handling and denial of my fraud claim involving unauthorized electronic fund transfers that I reported to Chime on XX/XX/year>. 

This letter constitutes a formal demand for compliance with the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, and is directed to Chime Financial , IncXXXX and its partner banks, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which are legally responsible for XXXX XXXX compliance. 

Failure to Provide XXXX XXXX XXXX XXXX to 12 C.F.R. 1005.11 ( c ) ( 2 ), when a financial institution requires more than XXXX business days to investigate a reported error, it must provide provisional credit for the amount in dispute. 

Despite this requirement : Chime did not provide provisional credit within XXXX business days Chime did not investigate properly, did not provide the documents. Previously requested to ensure the investigation was done properly. Asked me for the police report after they were provided it. Made a decision WITHOUT IT.And then claimed they didn't have it going in circles, Purposely to rush the ALLEGED Investigation.So they be within the XXXX days, and they can just repeatedly deny the fraud is apparent and clear and it seems to be their practice. Everybody 's best friend isn't gon na be XXXX XXXX XXXX XXXX department at XXXX XXXX don't have the resources I do. And the fact that you continuously do this is disgusting at best and predatory. It's all over every social media platform.When I was investigating it. Their negligence on illegal behavior caused me to be put in a very nasty situation.After a domestic dispute where I was assaulted. 


I was deprived of access to my funds, causing financial hardship and actual damages This is a clear, independent violation of Regulation XXXX. 


Failure to Conduct a Reasonable Investigation Chime further violated 15 U.S.C. 1693f and 12 C.F.R. 1005.11 by failing to conduct a reasonable, good-faith investigation. 

Specifically : Chime ignored a police report I provided Incident Case Number XXXX Chime provided no evidence supporting its denial Chime failed to explain how it determined the transactions were authorized The transactions were flagged as suspicious before I even filed the fraud report, demonstrating prior knowledge of fraudulent activity I specifically informed Chime that the XXXX address and recipient phone number used in the transfer were already associated with fraudulent activity, yet Chime failed to address or rebut this information To date, Chime has provided no investigative records, no analysis, and no explanation, indicating that no reasonable investigation occurred. 


Burden of ProoXXXX XXXX XXXX XXXX, the burden of proof rests entirely on the financial institution to demonstrate that a transaction was authorized. A conclusory denial without supporting documentation does not satisfy this burden. 


Formal Demands I hereby demand that Chime and its partner bank ( XXXX ) : 1. Immediately issue provisional credit for the full disputed amount, as required by 12 C.F.R. 1005.11 ( c ) ( 2 ) ; 2. Provide all documentation and records relied upon in denying my claim, including : XXXX notes XXXX logs Device, IP address, and login data XXXX fraud alerts or flags The factual basis used to conclude the transfers were authorized ; XXXX. Provide a written, step-by-step explanation of the investigation allegedly conducted in compliance with the XXXX. 


Notice of Intent If these violations are not cured promptly, I will pursue all available remedies, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with state and federal banking regulators Pursuing civil remedies under 15 U.S.C. XXXX, including statutory damages, actual damages, attorneys fees, and costs This letter is sent in good faith to afford an opportunity to resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX  On XXXX separate occasions on recorded line period when chime representatives are met with notification.They are being recorded and asked questions pertaining their handling of something.They hang up on you.This just occurred as I requested the above mentioned XXXX. I verbally requested everything XXXX mentioned above verbally and the representative have heartily opened one and Said that he needed to do the other one when I mentioned he made no mention of it, put me on hold and then hung up.And I can establish a pattern because they've done this XXXX times during this interaction.Over the course of this claimXXXX XXXX XXXX  They have not looked at the police report.They sent me some brief summary that doesn't show the investigation only shows bullet points.What they allegedly did haven't given me any information that's able to be proved because the police report that they were given debunks, all of this that they did any investigation.Whatsoever They sent me after this letter was sent and they were reported to the better business bureau.They sent me some bullet point pictures that doesn't prove anything they clearly didn't read.The police report because the login information is irrelevant.Nobody was stating that it was someone else that sent it.The person accepting it was fraud

Company response to consumer: Closed with explanation