Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 To Whom It May Concern, Subject : Formal Request for Federal Assistance and Complaint Against Chime Bank for Failure to Address Fraudulent Activity I am writing to submit a formal complaint and request immediate assistance and intervention from the federal consumer protection and financial regulatory agencies concerning a case of financial fraud involving my Chime Bank account. This letter outlines a series of unauthorized XXXXrelated transactions made through my account between XX/XX/XXXX and XX/XX/2025. Despite my numerous efforts to dispute these charges and seek assistance, Chime has failed to resolve the matter or comply with the protection afforded to me under federal laws specifically Regulation E of the Electronic Fund Transfer Act. 
I am reaching out to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Comptroller of the Currency ( OCC ), and the Maryland Attorney Generals Consumer Protection Division in the hope of receiving the assistance I urgently need. My rights as a consumer have been neglected, and I am enduring financial hardship and emotional distress as a result. 
I have been a responsible and loyal Chime customer, maintaining good financial practices and always keeping my debit card in my possession. On XX/XX/2025, I traveled from XXXX to XXXX XXXX XXXXXXXX to visit someone I had recently begun dating. I stayed with this individual, trusting them enough to spend several days in their home. It was during this visit that fraudulent activity occurred on my account. 
Upon returning to XXXX on XX/XX/2025, I reviewed my Chime account and discovered multiple unauthorized XXXX-related transactions linked to a phone number I do not recognize : XXXX. I had not authorized any of these charges, nor had I received any notifications, or verification prompts from either Chime or XXXX. I immediately contacted XXXX customer service department and was informed that the purchases were made through an XXXX XXXX  and device that do not belong to me. XXXX confirmed that my XXXX XXXX  was not used, and that the transactions originated from an account linked to the phone number mentioned above. 
This phone number has never been affiliated with my personal, business, or financial accounts. I did not provide this individual access to my debit card or account credentials. At no time did I authorize any purchases made using my Chime debit card during this trip. 
As soon as I became aware of the fraudulent transactions, I acted swiftly to protect my finances and identity. The following steps were taken immediately : I contacted XXXX XXXX to verify the source of the transactions. They confirmed that none of the charges were made using my XXXX XXXX, and they were unable to cancel or reverse the transactions since the purchases were linked to another individuals account. 
I reviewed all recent Chime transactions to identify and document the fraudulent activity. 
I changed all my login credentials and enabled two-factor authentication across all platforms to prevent future access. 
I filed a formal written dispute with Chime, detailing the unauthorized transactions and providing supporting information, including XXXX  findings. 
Despite my prompt reporting and comprehensive documentation, Chime has failed to honor its responsibilities under Regulation E. I have received little to no communication beyond generic messages stating that my dispute was being reviewed. At no point did I receive provisional credit for the disputed charges, which is a direct violation of the protection afforded to me as a consumer. 
Regulation E stipulates that when a consumer notifies their financial institution of unauthorized electronic fund transfers, the institution is required to investigate the claim promptly and provide provisional credit within ten business days if the investigation extends beyond that window. I have fulfilled my duty to report this fraud in a timely and thorough manner, yet Chime has failed to act in accordance with this requirement.

The experience of working with Chimes customer service and fraud departments has been both frustrating and disheartening. I have made repeated calls and submitted multiple emails, only to be met with automated responses and unfulfilled promises of follow-up. Each representative I have spoken with has asked me to repeat my story from the beginning, with no apparent internal documentation or coordination. This lack of continuity and transparency has made the process even more stressful and time-consuming. 
These unauthorized transactions have severely impacted my financial stability. I live on a modest income and carefully manage my expenses. The unauthorized withdrawals caused me to fall behind on essential bills, including rent and utilities, and left me unable to purchase groceries or pay for transportation. The financial strain is compounded by the emotional distress I have experienced because of this situation. 
This has not only been a violation of my financial security but also of my personal well-being. The betrayal of someone I trusted during this trip is deeply painful. Discovering that this individual XXXX have intentionally accessed my financial information, whether by physically accessing my card, photographing it, or otherwise obtaining my credentials without permissionhas left me feeling vulnerable, used, and emotionally distressed. 
I also suffer from XXXX  and XXXX, which have been exacerbated by this ordeal. The lack of accountability from Chime has added a psychological burden to an already difficult experience. I have been struggling to focus on work, maintain my daily routine, and find peace of mind knowing that someone violated my financial autonomy. I can provide medical documentation verifying these conditions, including official records from my licensed healthcare providers, which outline my ongoing treatment and history with mental health conditions affected by stress and financial trauma. 
Under Regulation E, financial institutions are required to : 1. Promptly investigate consumer-reported unauthorized electronic fund transfers.

2. Provide a written explanation of their findings.

3. Issue provisional credit within ten business days if the investigation is not completed within that time.

4. Reverse any fees incurred because of the unauthorized transactions if they were proven to be fraudulent.

Chime has failed to meet these obligations. I have not received provisional credit. I have not received a detailed explanation of their findings. I have not received any assistance in reversing the fees caused by these unauthorized charges. 
Chimes inaction is not just poor customer serviceit is a violation of federal law. This failure leaves consumers like me unprotected and without recourse when victimized. I am now asking federal regulatory agencies to hold Chime accountable for these oversights and to compel them to comply with the law. 
I respectfully request the following actions from the appropriate federal agencies : launch an independent investigation into Chimes handling of this and similar fraud complaints. 
Compel Chime to issue provisional credit for the disputed charges in accordance with Regulation E.

Require Chime to issue a written statement explaining the outcome of their investigation and any evidence used to deny provisional credit. 
Provide me with appropriate restitution for fees or penalties incurred because of this fraud. 
Review Chimes dispute handling process and determine whether broader regulatory action is needed. 
Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX I am available for follow-up at your earliest convenience. Please do not hesitate to contact me directly if further clarification or documentation is needed. 
This has been an overwhelming experience. I have been victimized twicefirst by the individual who committed the fraud, and then by the financial institution that failed to support me. I have done everything required of me as a consumer, including filing disputes, protecting my accounts, and providing documentation. Yet I have received no support from the institution responsible for safeguarding my funds. 
I implore your office to step in and advocate for consumers like me who are left to fend for themselves when fraud strikes. I trusted Chime with my finances. That trust has been broken. 
Thank you for taking the time to review my complaint and for helping me restore financial security and peace of mind. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation