Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
Complaint Description On XX/XX/year>, I sent a total of {$180.00} in peer-to-peer transfers through my financial institution to individuals associated with a user operating under the name XXXX XXXX. The payments were made after the individual repeatedly requested additional fees to complete a service that was never ultimately provided. The transactions were as follows : {$25.00} transfer to XXXX XXXX at XXXX XXXX {$20.00} transfer to XXXX XXXX at XXXX XXXX {$20.00} transfer to XXXX XXXX at XXXX XXXX {$20.00} transfer to XXXX XXXX at XXXX XXXX {$50.00} transfer to XXXX XXXX at XXXX XXXX {$50.00} transfer to XXXX XXXX at XXXX XXXX Total amount transferred : {$180.00} The individual continued to request additional payments after each transfer, claiming that the next payment would be the final fee. Screenshots of the conversation show repeated requests for additional money, including requests for {$50.00} and later {$20.00} more, despite me explaining that I no longer had funds available. When I asked to cancel and requested a refund, the individual refused to return the money and continued requesting further payment. I ultimately informed them that I would dispute the transactions and requested a refund multiple times in writing. I submitted screenshots of the conversation and transaction history as evidence showing : Repeated demands for additional payments My request to cancel the transaction and obtain a refund XXXX that the promised service was never provided Confirmation of the exact amounts sent I initially filed a dispute with my financial institution. The original dispute was denied due to an error in the reason code that I selected when filing. I then reopened the dispute on XX/XX/year> with the correct reason and supporting screenshots, including the messages showing the payment demands and the transaction history. Despite providing this documentation, the financial institution denied the dispute again on XX/XX/year>, stating the transactions were authorized. While I did initiate the transfers, they were obtained through deceptive and fraudulent representations, where the recipient repeatedly requested additional payments under false pretenses and failed to provide the promised service. I am requesting that the CFPB review my financial institutions handling of this dispute because : The dispute appears to have been evaluated solely on whether the transactions were authorized, rather than whether they were fraudulent or induced by deception. The documentation I provided clearly shows a pattern of payment demands and refusal to refund after cancellation. The transactions were made under misleading conditions where additional fees were repeatedly demanded. I have included screenshots showing the conversation, payment requests, and transaction records supporting my claim. If the investigation did not fully consider the evidence provided showing deceptive payment demands and failure to deliver the promised service, I respectfully request that the institution conduct a new investigation consistent with its obligations under the Electronic Fund Transfer Act and Regulation E.

Company response to consumer: Closed with explanation