Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MN

Complaint narrative:
Summary of the Issue I am submitting this complaint regarding multiple unauthorized transactions on my Chime account and Chime XXXX repeated failure to properly investigate, communicate, or comply with federal consumer protection regulations. Their actions have caused me significant financial hardship and emotional distress. Initial Unauthorized Transactions {$700.00} ( XX/XX/XXXX ) On XX/XX/XXXX, XXXX unauthorized transactions totaling {$700.00} ( {$300.00} and {$400.00} ) were withdrawn from my Chime account. I reported these transactions on XX/XX/XXXX. Chime issued a provisional credit of {$700.00} on XX/XX/XXXX, during their investigation. However, on XX/XX/XXXX, they reversed the provisional credit without any prior notice or written communication. I was later told that an email was sent, but I never received XXXX in any folder, including spam or deleted mail. On XX/XX/XXXX, after realizing the funds were removed, I contacted Chime. They admitted the dispute was closed and then reopened it under the same case number ( with XXXX appended ). They also reissued the provisional credit, which should have remained in place under Regulation XXXX since the dispute was still under review. I asked if Chime required any documentation to support my case, but they said no. When I later provided a XXXX XXXX statementdownloaded directly from my accountshowing no trace of the disputed transactions, they denied the reopened case anyway on XX/XX/XXXX, less than XXXX hours after my follow-up email requesting an update. On XX/XX/XXXX, I received documentation from Chime showing that their review materials were from the original XXXX dispute, not the reopened case. This means the XX/XX/XXXX denial relied on outdated or incomplete information. Throughout this process, Chime has : - Failed to notify me before reversing provisional credits, - Ignored new evidence I submitted, - Missed regulatory deadlines, and - Provided inconsistent and inaccurate communication about the status of my disputes. New Unauthorized Transaction {$600.00} ( XX/XX/XXXX ) Today, XX/XX/XXXX, I discovered another unauthorized transaction for {$600.00}. I immediately contacted Chime and spoke with a representative named XXXX. When I asked for Chimes mailing address to include in a formal complaint to the Attorney XXXX XXXX, she asked why I needed it. Upon learning my reason, she stated that Chime does not have a mailing address. When I asked how a financial institution handling my XXXX XXXX XXXX deposits could not have a mailing address, she repeated that they simply did not. She also stated that Chime is not a bank, but a financial institution. I asked what would happen with my previous {$700.00} dispute and whether this new {$600.00} issue would be reviewed. She said I would receive an email. When I asked what email they had on file, she refused to tell me, even though my identity had been verified through multiple methods, including : - XXXX verified callback from a recognized phone number, - My full name, and - My Social Security number. This interaction was dismissive, unprofessional, and obstructive. Violations and Concerns Chimes conduct demonstrates : XXXX. Failure to properly investigate multiple unauthorized transactions totaling {$1300.00}. XXXX. Failure to notify the consumer before reversing provisional credits. XXXX. Refusal to provide a mailing address or other required contact information. XXXX. Failure to maintain transparent or accurate documentation of disputes. XXXX. Noncompliance with Regulation XXXX ( XXXX ) regarding dispute handling and communication. XXXX. Obstruction of access to consumer information even after verified identity. am a XXXX XXXX XXXXXXXX XXXX ( XXXX ) recipient and receive {$2000.00} per month. These unresolved disputes have now cost me over half of my monthly income. Because I am unable to work, I have no means of recovering this loss. The way Chime representatives have spoken to me on the phone and the apparent disregard shown in how disputes are deniedwith no clear oversight, transparency, or accountabilityis deeply concerning. Chimes dispute team can not be reached by telephone, and it routinely takes XXXX minutes or more to reach any representative who can not address specific issues or even accept document uploads directly.

Company response to consumer: Closed with explanation