Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
This is to update my existing complaints about Chime XXXX, XXXX, XXXX, XXXX, and XXXX. All of these were updates to the case I filed against them.COMPLAINT SUMMARY & DEMAND FOR IMMEDIATE REGULATORY ACTION I. STATUTORY CONSUMER EXPLOITATION & FRAUDULENT FURNISHING ( FCRA VIOLATION ) On XX/XX/year>, I executed a " Direct Deposit Enrollment Form '' strictly for a standard Chime Checking Account to hold my protected federal Supplemental Security Income ( SSI ) allocations and funds for which I act as a fiduciary Representative XXXX for XXXX XXXX and I receive XXXX myself. I never authorized, signed for, or applied for a revolving or secured line of credit. Despite this, Chime generated an unauthorized " XXXX XXXX '' line of credit and scraped my federal benefit deposits to report a fraudulent high debt balance ( {$2200.00} ) to national credit repositories, directly resulting in an artificial drop in my credit profile and subsequent financial damage via auto insurance premium penalties. XXXX. EVIDENCE OF COMPLIANCE SELF-CONTRADICTION ( XX/XX/year> ) Chime has demonstrated a complete absence of internal reinvestigation controls under the Fair Credit Reporting Act ( FCRA ). On the morning of XX/XX/year>, Chime issued XXXX diametrically opposed verification statements within a XXXX window regarding the exact same disputed account data : At XXXX XXXX Today : Chime sent an official notice claiming their investigation verified the reported XXXX XXXX data " was accurate as of the date reported. '' At XXXX XXXX Today : Chime sent an official notice admitting that a review of the account shows the XXXX credit information " was inaccurate '' and sent an update to the bureau. A data furnisher can not legally verify a data block as accurate to XXXX repository while simultaneously admitting to the consumer that the exact same dataset is inaccurate. This proves Chime uses systemic automated rubber-stamping rather than performing legitimate, human consumer disputes. XXXX. UNAUTHORIZED ASSET MOVEMENT ( REGULATION E VIOLATION ) Chime 's software application has repeatedly conducted non-consensual electronic fund transfers out of my primary checking repository. Chime auto-opened a secondary savings tier without my permission and has continuously swept my protected SSI household cash into that tier while the explicit " split pay '' digital application toggles were switched completely to " OFF. '' This constitutes a direct violation of Regulation E ( Electronic Fund Transfer Act ) regarding unauthorized electronic fund movements after consumer revocation. IV. CIVIL RIGHTS & ADA TITLE III ACCESSIBILITY VIOLATION I have a documented communication XXXX ( XXXX XXXX ) and require text-based accommodations to safely review and manage my financial accounts. Chime was explicitly put on notice of this medical requirement during an in-app Member Services chat session photos I already uploaded in the other updates ( Ticket # XXXX ). In direct violation of Title III of the Americans with Disabilities Act ( ADA ) regarding effective communication and independent access, Chime representatives repeatedly attempted to deny text-based support, flatly refused to handle the financial correction in writing, and explicitly instructed me to " reach back out to us with a friend or family member who can assist on the call. '' A federally regulated financial framework can not condition account corrections on a XXXX consumer forfeiting their privacy and independence to a third party because the firm refuses to maintain an accessible written chat loop.

Company response to consumer: Closed with explanation