Consumer complaint received 2026-03-09 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: GA

Complaint narrative:
I am filing a complaint regarding unauthorized virtual debit card transactions on my Chime checking account and Chimes improper denial of my fraud disputes. On or around XX/XX/year>, I discovered multiple unauthorized virtual debit card transactions on my account totaling {$13000.00}. I did not authorize these transactions, I have never conducted business with the merchant involved, XXXX I did not provide my debit card or virtual card information XXXX this entity. The transactions were inconsistent with my normal spending behavior XXXX involved unusually large amounts. I immediately reported the fraudulent activity XXXX Chime XXXX filed a dispute ( Claim ID : XXXX ). In addition XXXX these transactions, another unauthorized transaction for {$3600.00} occurred on my account. At the time this transaction was taking place, I was actively on the phone with a Chime XXXX XXXX representative. The representative was able XXXX observe the unauthorized activity occurring on my account in real time while I was reporting the fraud. Despite the fact that the fraud was being reported while it was happening, the transaction was still processed. Chime initially issued a temporary credit of {$3600.00} while the dispute was under investigation. However, on XX/XX/year>, Chime denied the dispute XXXX removed the provisional credit from my account. Chime also denied my dispute for the additional unauthorized transactions totaling {$13000.00}, stating that no error occurred. However, Chime has not provided any documentation or evidence showing that I authorized these transactions. I requested copies of the documents and evidence used XXXX determine the outcome of the investigation, including merchant records, authorization evidence, XXXX network responses, as permitted under the XXXX XXXX Transfer Act ( Regulation XXXX ). XXXX date, this information has not been provided. These transactions were virtual debit cardbased only. I never authorized XXXX-time, recurring, merchant-initiated, or tokenized payments with this merchant, XXXX I have never had any relationship or prior transactions with them. Chime has not demonstrated that I furnished authority for these transfers, which is required under Regulation XXXX in order XXXX deny reimbursement for unauthorized electronic fund transfers. Additionally, I attempted XXXX submit a written rebuttal through Chimes in-app support system, but I was informed that dispute matters could only be handled by phone XXXX that written statements could not be attached or forwarded XXXX the disputes team through chat. I subsequently mailed a formal written Regulation XXXX rebuttal via certified mail requesting reconsideration XXXX reimbursement. Despite these efforts, Chime has repeated its denial without addressing my requests for documentation or reconsideration. I am seeking reimbursement for the unauthorized electronic fund transfers totaling {$13000.00}, restoration of the {$3600.00} provisional credit that was removed on XX/XX/year>, XXXX confirmation that any merchant authorization, payment tokens, or access related XXXX this fraud has been permanently revoked.

Company response to consumer: Closed with explanation