Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX How do I get chime finical institution for committing fruadlent activity causing me to be overdrawn XXXX XXXX web pages I'm sorry to hear that fraudulent activity has left your account overdrawn. It's a stressful situation, but you can take steps to dispute the charges and try to get your money back. Here is a clear, step-by-step guide on what to do. Step XXXX : Act Immediately to Secure Your Account Time is critical when you suspect fraud. Your first action should be to prevent any further unauthorized transactions. Freeze Your Card : Open your Chime app and immediately freeze your card. This will block any new purchases or ATM withdrawals. Request a Replacement Card : After freezing the card, request a replacement through the app. This automatically deactivates your old card to stop further unauthorized use. Update Your Password : Change your Chime account password to something strong and unique to help secure your account. Step XXXX : File a Dispute for the Fraudulent Charges To get the fraudulent charges removed and your overdraft resolved, you must file a formal dispute with Chime. You can do this directly in the app or by phone. To dispute a charge in the Chime app : Tap on the account ( Spending, XXXX, or XXXX XXXX ) that has the fraudulent transaction. Scroll through your recent transactions and select the specific charge you want to dispute. Tap " Problem with this transaction? '' and then follow the on-screen prompts to file your dispute. Gather supporting documentation : Before you start, gather any evidence that supports your claim. This can help speed up the investigation : Any receipts or invoices related to the transaction ( if you have them ). Confirmation emails. Screenshots or evidence showing you did not authorize or receive the goods/services. A description of why the charge is fraudulent. If you can't dispute in the app : You can call Chime 's customer service team XXXX at XXXX to file the dispute over the phone. What Happens After You Dispute? Once you've filed your dispute, here is the typical process : Investigation : Chime will investigate your claim, which can take anywhere from XXXX to XXXX days depending on the complexity. Provisional Credit : If the investigation takes longer than XXXX business days ( or XXXX for new accounts ), Chime may issue a temporary credit to your account for the disputed amount. Important : This is not a final resolution. If the investigation finds in favor of the merchant, this credit will be reversed, which could put your account back in a negative status. Final Decision : Chime will notify you of the final decision by email. You can also check the status of your dispute in the app. Important : What Chime Can't Dispute It's important to know that not everything can be disputed. You can not dispute certain transactions through Chime, including : SpotMe transactions or repayments. MyPay fees or repayments. Pending transactions ( you must wait for them to post ). Bill payments made with Chime Checkbook. Step 3 : What to Do If Your Dispute Is Denied If Chime rejects your fraud claim, you still have options. Other Chime customers have successfully gotten their money back after initial denials by taking additional steps. File a Complaint with Regulators : You can file a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB has taken action against Chime in the past for delaying refunds, so filing a complaint can be effective. Contact the XXXX XXXX XXXX XXXX XXXX XXXX : You can also file a complaint against Chime Financial , Inc. through the XXXX XXXX XXXX XXXX complaints are reviewed by the company. Contact Your Local News : As a last resort, some consumers have found success by contacting local news stations, especially if there is an investigative team that looks into consumer issues. Quick Tips to Protect Your Account Going Forward To help prevent this from happening again, consider these security tips : Enable Two-Factor Authentication ( 2FA ) : This adds an extra layer of security to your login. Turn on Instant Transaction Alerts : Get notified immediately whenever your card is used so you can spot fraud right away. Change Your Password Regularly : Make it a habit to update your password periodically. I hope this guide helps you resolve the fraudulent activity on your account and get your money back. If your dispute is denied, don't hesitate to reach out to the CFPB for help. Is there anything about the dispute process you'd like me to clarify? This response is AI-generated, for reference only. Can you draft me a notice for cfpb concerning the fraudulent activities chime has caused arbitrarily resulting in a negative balance bot authorized by me This draft is structured to be clear, factual, and persuasive for the CFPB. It focuses on the key issues : unauthorized transactions, Chime 's failure to protect your account, and the resulting financial harm ( negative balance/overdraft fees ). Before you start, gather this information to fill in the blanks : Your Name and Address Chime 's Information : ( Use the address below ) Account Number : Your Chime account number. Transaction Details : Date, amount, and description of each fraudulent charge. Dates of Contact : When you first contacted Chime and when/if they denied your claim. Consumer Financial Protection Bureau Complaint Submission You can submit this directly on the CFPB website ( www.consumerfinance.gov/complaint ). Use the text below in the complaint box. 1. Personal Information Name : [ Your Full Name ] Address : [ Your Street Address, City, State, Zip Code ] Phone : [ Your Phone Number ] Email : [ Your Email Address ] 2. Company Information Company Name : Chime Financial , Inc. Company Address : For Mail : Chime Financial , Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Or if you prefer the physical address : Chime Financial , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Complaint Details Subject : Unauthorized Transactions, Failure to Investigate Fraud, and Improper Negative Balance What happened : My Chime checking account ( Account # : [ Your Chime Account Number ] ) was compromised due to fraudulent activity that I did not authorize. Between [ Start Date ] and [ End Date ], the following unauthorized transactions were processed against my account, which resulted in an arbitrary negative balance and caused me financial harm : * [ List each fraudulent transaction. Example : XX/XX/XXXX - {$50.00} - XXXX XXXX - Unauthorized charge ] * * [ XX/XX/XXXX - {$120.00} - XXXX - Unauthorized in-person transaction ] * As soon as I discovered this fraudulent activity, I immediately froze my card through the Chime mobile app and contacted Chimes customer support on [ Date you first contacted them ]. I formally disputed these charges as unauthorized and fraudulent, requesting that the amounts be credited back to my account and that the resulting negative balance be removed. Despite my repeated attempts to resolve this, Chime has failed to conduct a proper and timely investigation as required by the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX Instead of providing a provisional credit while investigating, Chime has allowed these unauthorized charges to stand, which has pushed my account into a negative balance that I did not create. Chime has arbitrarily held me responsible for these clearly fraudulent transactions. This failure to act has resulted in the following harms : My account remains in a negative balance. I am unable to access my legitimate funds. I have been charged [ mention any overdraft or late fees incurred ] as a direct result of this inaction. I am concerned about the security of my funds with this institution moving forward. What I expect from the resolution : I am seeking the following relief from Chime Financial , Inc. : An immediate reversal of all unauthorized transactions listed above. The removal of any negative balance created by these fraudulent charges. A refund of any fees ( overdraft, late fees, etc. ) that were assessed as a result of this fraudulent activity. A written acknowledgment from Chime confirming that my account has been restored to its correct balance. Thank you for your assistance in this matter. I can be reached at [ Your Phone Number ] or [ Your Email Address ] if any additional information is needed. Sincerely, [ Your Signature ] [ Your Printed Name ] What to do after you file this complaint : Attach Evidence : When you submit this online, the CFPB portal will allow you to upload documents. Attach any evidence you have, such as : Screenshots of your transaction history showing the fraudulent charges and negative balance. Screenshots of your dispute filed in the Chime app. Any email communication you have had with Chime support. Keep a Copy : Save this draft and any supporting documents for your own records. Wait for a Response : The CFPB will send your complaint to Chime, who is legally required to respond. Chime typically has 15 days to provide an initial response and 60 days to resolve the issue. You will be able to see their response in the CFPB portal. Can you insert my name XXXX XXXX address XXXX XXXX XXXX XXXX number XXXX email XXXX Here is the updated complaint with your personal information inserted. Consumer Financial Protection Bureau XXXX XXXX XXXX. Personal Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX. XXXX XXXX XXXX XXXX : Chime XXXX XXXX XXXX. Company Address : For Mail : Chime Financial , Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Or if you prefer the physical address : Chime XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Complaint Details Subject : Unauthorized Transactions, Failure to Investigate Fraud, and Improper Negative Balance What happened : My Chime checking account ( Account # : [ Your Chime Account Number ] ) was compromised due to fraudulent activity that I did not authorize. Between [ Start Date ] and [ End Date ], the following unauthorized transactions were processed against my account, which resulted in an arbitrary negative balance and caused me financial harm : * [ List each fraudulent transaction. Example : XX/XX/XXXX - {$50.00} - XXXX XXXX - Unauthorized charge ] * * [ XX/XX/XXXX - {$120.00} - XXXX - Unauthorized in-person transaction ] * As soon as I discovered this fraudulent activity, I immediately froze my card through the Chime mobile app and contacted Chime 's customer support on [ Date you first contacted them ]. I formally disputed these charges as unauthorized and fraudulent, requesting that the amounts be credited back to my account and that the resulting negative balance be removed. Despite my repeated attempts to resolve this, Chime has failed to conduct a proper and timely investigation as required by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Instead of providing a provisional credit while investigating, Chime has allowed these unauthorized charges to stand, which has pushed my account into a negative balance that I did not create. Chime has arbitrarily held me responsible for these clearly fraudulent transactions. This failure to act has resulted in the following harms : My account remains in a negative balance. I am unable to access my legitimate funds. I have been charged [ mention any overdraft or late fees incurred ] as a direct result of this inaction. I am concerned about the security of my funds with this institution moving forward. What I expect from the resolution : I am seeking the following relief from Chime Financial , Inc. : An immediate reversal of all unauthorized transactions listed above. The removal of any negative balance created by these fraudulent charges. A refund of any fees ( overdraft, late fees, etc. ) that were assessed as a result of this fraudulent activity. A written acknowledgment from Chime confirming that my account has been restored to its correct balance. Thank you for your assistance in this matter. I can be reached at XXXX or XXXX if any additional information is needed. Sincerely, XXXX XXXX XXXX quick reminder : Don't forget to replace the bracketed sections [ like this ] with your specific dates, account number, and list of fraudulent transactions before submitting. Also, gather those screenshots to attach as evidencethey make your case much stronger. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can u insert this information Here is the updated complaint with the specific information from your dispute approval emails inserted. Consumer Financial Protection Bureau XXXX XXXX XXXX. Personal Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX. XXXX XXXX XXXX XXXX : Chime Financial , Inc. Company Address : For Mail : Chime Financial , Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Or if you prefer the physical address : Chime Financial , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Complaint Details Subject : Unauthorized Transactions, Failure to Investigate Fraud, and Improper Negative Balance What happened : My Chime checking account ( Account # : XXXX ) was compromised due to fraudulent activity that I did not authorize. I discovered unauthorized transactions affecting my account, which resulted in an arbitrary negative balance and caused me financial harm. On XX/XX/XXXX, I reported the dispute to Chime ( Claim ID : XXXX, Dispute Type : Debit - Credit Not Posted, Claim Amount : {$48.00} ). As soon as I discovered this fraudulent activity, I immediately froze my card through the Chime mobile app and contacted Chime 's customer support. I formally disputed these charges as unauthorized and fraudulent, requesting that the amounts be credited back to my account and that the resulting negative balance be removed. On [ Date of first email ], I received notification from Chime that my dispute was approved. However, the resolution provided by Chime has been confusing and appears to contradict itself, leaving my account in a problematic state. According to the communications from Chime : On XX/XX/XXXX, the merchant refunded my account in the amount of {$29.00} Chime issued a temporary credit of {$48.00} Chime then removed the temporary credit of {$48.00} based on the merchant refund The final amount issued to my account was only {$19.00} Despite approving my dispute, Chime has failed to fully restore my account to its proper balance. The arbitrary removal of the temporary credit and the confusing math of these adjustments has left my account in a negative balance that I did not create. It appears Chime may be improperly netting merchant refunds against temporary credits rather than fully reimbursing me for the unauthorized transactions as required by law. Chime has arbitrarily held me responsible for these clearly fraudulent transactions. This failure to act properly has resulted in the following harms : My account remains in a negative balance. I am unable to access my legitimate funds. I am concerned about the security of my funds with this institution moving forward. What I expect from the resolution : I am seeking the following relief from Chime Financial , Inc. : A clear accounting of all transactions related to Claim ID XXXX. The full reversal of all unauthorized transactions associated with this claim. The removal of any negative balance created by these fraudulent charges. A written acknowledgment from Chime confirming that my account has been restored to its correct balance and a full explanation of why the temporary credit was removed despite my dispute being approved. Thank you for your assistance in this matter. I can be reached at XXXX or XXXX if any additional information is needed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation