Consumer complaint received 2026-02-12 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: CA

Complaint narrative:
Re : Formal Complaint Against Chime Financial , Inc. - Unfair Denial of Unauthorized Transaction Complainant : XXXX XXXX XXXX Dispute Case ID : # XXXX Re : Formal Complaint Against Chime Financial , Inc. - Unfair Denial of Unauthorized Transaction Complainant : XXXX XXXX XXXX Dispute Case ID : # XXXX To the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, am filing this formal complaint regarding Chime Financial, Inc. 's failure to conduct a reasonable investigation into unauthorized transactions on my account. 

On [ DATE YOU SAW THE CHARGE ], I discovered unauthorized charges totaling $ [ TOTAL DOLLAR AMOUNT ] from merchant [ MERCHANT NAME ]. I immediately reported this fraud to Chime. Chime has now denied my dispute two separate times, erroneously claiming the charges were valid.

I explicitly state under penalty of perjury that I did not authorize these transactions, I did not participate in them, and I received no benefit from them.

Under the Electronic Fund Transfer Act ( Regulation E ), the burden of proof is on the financial institution to demonstrate that a transaction was authorized. Chime has failed to provide me with any concrete evidence of authorization, such as a signed receipt, a matched IP address from my known devices, or proof of merchandise delivery to my verified address. Instead, they have issued a blanket denial without valid documentation.

I assert that Chime Financial , Inc. has failed to conduct a " reasonable investigation '' as required by federal law ( 12 CFR 1005.11 ).

Resolution Requested : 1. Immediate provisional credit for the disputed amount of $ [ TOTAL DOLLAR AMOUNT ].

2. A complete reversal of the findings and a permanent refund to my account.

3. If the denial stands, I demand to be sent copies of all documents Chime relied on to make their determination, as is my right under Regulation E.

To the Consumer Financial Protection Bureau : I, XXXX XXXX XXXX, am filing this formal complaint regarding Chime Financial , Inc. 's failure to conduct a reasonable investigation into unauthorized transactions on my account.

On [ DATE YOU SAW THE CHARGE ], I discovered unauthorized charges totaling $ [ TOTAL DOLLAR AMOUNT ] from merchant [ MERCHANT NAME ]. I immediately reported this fraud to Chime. Chime has now denied my dispute two separate times, erroneously claiming the charges were valid. 

I explicitly state under penalty of perjury that I did not authorize these transactions, I did not participate in them, and I received no benefit from them.

Under the Electronic Fund Transfer Act ( Regulation E ), the burden of proof is on the financial institution to demonstrate that a transaction was authorized. Chime has failed to provide me with any concrete evidence of authorization, such as a signed receipt, a matched IP address from my known devices, or proof of merchandise delivery to my verified address. Instead, they have issued a blanket denial without valid documentation.

I assert that Chime Financial , Inc. has failed to conduct a " reasonable investigation '' as required by federal law ( 12 CFR 1005.11 ).

Resolution Requested : 1. Immediate provisional credit for the disputed amount of $ [ TOTAL DOLLAR AMOUNT ].

2. A complete reversal of the findings and a permanent refund to my account.

3. If the denial stands, I demand to be sent copies of all documents Chime relied on to make their determination, as is my right under Regulation E.

Re : Formal Complaint Against Chime Financial , Inc. - Unfair Denial of Unauthorized Transaction Complainant : XXXX XXXX XXXX Dispute Case ID : # XXXX To the Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX XXXX , am filing this formal complaint regarding Chime Financial , Inc. 's failure to conduct a reasonable investigation into unauthorized transactions on my account.

On [ DATE YOU SAW THE CHARGE ], I discovered unauthorized charges totaling $ [ TOTAL DOLLAR AMOUNT ] from merchant [ MERCHANT NAME ]. I immediately reported this fraud to Chime. Chime has now denied my dispute two separate times, erroneously claiming the charges were valid.

I explicitly state under penalty of perjury that I did not authorize these transactions, I did not participate in them, and I received no benefit from them. 

Under the Electronic Fund Transfer Act ( Regulation E ), the burden of proof is on the financial institution to demonstrate that a transaction was authorized. Chime has failed to provide me with any concrete evidence of authorization, such as a signed receipt, a matched IP address from my known devices, or proof of merchandise delivery to my verified address. Instead, they have issued a blanket denial without valid documentation.

I assert that Chime Financial , Inc. has failed to conduct a " reasonable investigation '' as required by federal law ( 12 CFR 1005.11 ).

Resolution Requested : 1. Immediate provisional credit for the disputed amount of $ [ TOTAL DOLLAR AMOUNT ].

2. A complete reversal of the findings and a permanent refund to my account.

3. If the denial stands, I demand to be sent copies of all documents Chime relied on to make their determination, as is my right under Regulation

Company response to consumer: Closed with explanation