Consumer complaint received 2025-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
TO : Chime Financial , Inc. 
Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Formal Rebuttal of Claim Denial ( Claim ID : XXXX ), Fraud Retaliation Allegation, and Demand for Immediate Provisional Credit Account Ending : XXXX Claim Amount : {$420.00} Date of Original Dispute : XX/XX/year> Merchant : XXXX Dispute Type : Unauthorized Debit Transactions Legal Basis : 15 U.S.C. 1693f, 12 CFR 1005.11, 18 U.S.C. 1513, CFPB Guidelines To Whom It May Concern, I am formally rebutting your XX/XX/XXXX denial of my dispute under Claim ID XXXX and escalating this matter to allege retaliation, willful misconduct, and obstruction of rightful consumer redress under federal law. 

This is not an isolated issue. It follows a long-standing pattern where Chime has XXXX Knowingly allowed fraudulent charges to post against my locked cards ; Ignored documented fraud claims and confirmations from third parties ; Withheld rightful refunds despite proof of error ; And now has retaliated against me by unjustly denying this current {$420.00} dispute as retribution for my regulatory filings and legal assertions. 



XXXXXXXX XXXX  Fraud Claim ID XXXX On XX/XX/year>, I reported four unauthorized XXXX transactions totaling {$420.00}. These were : Unauthorized, Originating from a merchant I have no relationship with, Dropped off in XXXX XXXX while I reside in XXXX, And occurred while I possess no valid drivers license, making such rentals logistically impossible. 

Chime closed the investigation improperly, without issuing the mandatory provisional credit under 12 CFR 1005.11 ( c ) ( 2 ) ( i ), and failed to provide documentation to support its denial.

This denial, issued despite clear fraud, and on the heels of my ongoing filings with the CFPB, constitutes retaliation.

2. XXXX Fraud {$29.00} Charge | Pattern of Retaliatory Denials Prior to the XXXX  matter, I initiated a dispute regarding a fraudulent {$29.00} charge from XXXX made while : My Chime Credit Builder card was locked, And no authorization was ever given for the charge to post.

I personally spent over an hour doing Chimes job by contacting XXXX. After nearly two months of delays, I was finally able to : Speak to a live XXXX representative, Receive full acknowledgment that the charge was in error, Obtain written confirmation and a dedicated contact email for Chime to retrieve a refund.

I immediately submitted this evidence to my dispute and then followed up with a recorded phone call to a Chime agent, who confirmed : Receipt of the document ; The validity of my claim ; That the funds should be returned.

Despite this, I was again subjected to by-the-book stall tactics, ignored procedural law, and ultimately denied the return of my funds.

Let me make it clear : The {$29.00} originated from the Credit Builder account, but all funds come directly from and are guaranteed by my Checking Account. This means the liability for unauthorized transactions still falls on Chime, not some phantom sub-account logic used to dodge accountability.

This entire patternfraud reported, fraud proven, refunds deniedsignals deliberate misconduct and retaliation for my prior complaints.

3. Legal Violations and Federal Protections Triggered Your ongoing refusal to return my funds violates multiple federal statutes : Electronic Fund Transfer Act ( 15 U.S.C. 1693f ) Regulation E ( 12 CFR 1005.11 ) 18 U.S. Code 1513 Retaliation against a consumer for engaging in legal or regulatory redress CFPB Procedures on Consumer Complaint Retaliation and Procedural Integrity False Statements to Regulators ( 18 U.S.C. 1001 ) if false claim justifications were used in reports Youve now received : Documented confirmation of fraud from the merchant ( XXXX ) ; Recorded calls confirming agent acknowledgment ; And legal proof of ineligibility and impossibility regarding the U-Haul claim.

To continue to withhold my rightful funds under these circumstances is not only unethicalit is legally indefensible. 



XXXX. DEMANDS I now formally demand the following : XXXX. XXXX issuance of a provisional credit in the amount of {$420.00}, plus {$29.00} from the prior XXXX  fraud, totaling {$450.00}, no later than XXXX business days from the date of this notice ; 2. Full copies of any internal documentation or third-party responses Chime claims to have used in making these decisions ; 3. A formal written explanation of why provisional credits were not issued in accordance with 12 CFR 1005.11 ; 4. Assurance that no further retaliation or delay will occur regarding my legitimate fraud claims.

5. Notice of Federal Escalation Failure to resolve this matter within 3 business days will trigger the following : Immediate filing of supplemental complaints with the CFPB, OCC, and CA DFPI ; Notification to Congressional oversight bodies tracking digital banking consumer abuse ; Consideration of litigation for damages under the EFTA and U.S. Civil Code. 

I reserve all rights under law and equity. 



Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX ___________________________ Date : XX/XX/year> 2025

Company response to consumer: Closed with monetary relief