Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am submitting this complaint regarding ongoing unauthorized debit card activity on my Chime account and Chimes refusal to adequately investigate, secure, or close my account despite repeated requests. 

Approximately two weeks ago, I began receiving repeated Chime : Fraud Alert text messages regarding small, unauthorized transaction attempts on my virtual debit card. These alerts asked whether I recognized or authorized the charges, and I consistently responded that I did not. 

Around XX/XX/year>, the volume of these alerts increased significantly, prompting me to review my account in detail. Upon review, I discovered hundreds of unauthorized transaction attempts, both declined and successfully processed. At this point, the number of attempts exceeds XXXX  XXXX, with many charges successfully posting to my account. 

The unauthorized charges are typically small dollar amounts ranging from approximately {$0.00} to {$2.00} and are occurring at an extremely high frequency, in some cases dozens of transactions within minutes. Many appear to be associated with XXXX app or XXXXapp purchase transactions, including charges that resemble subscriptions, despite the fact that I did not authorize any of them. The volume and speed of these transactions make it physically impossible for me to have initiated them myself. 

On XX/XX/year>, I contacted Chime customer support and spoke with a representative named XXXX. I reported the unauthorized activity and explained that hundreds of dollars had already been withdrawn from my account. I specifically requested that my account be closed or otherwise secured to stop further losses. 

The representative refused to close my account and stated that no one else had accessed my account other than me. He was unwilling to transfer me to another representative or escalate the matter. At one point, he placed me on hold briefly and then returned to repeat that conclusion without providing any explanation or investigation details.

I ended the call and contacted Chime again, requesting to speak with a different representative. I was told the same thing : that I was the only person who could have caused these transactions, despite the overwhelming evidence to the contrary. 

Importantly, many of these unauthorized charges occurred while my cards were locked, which raises serious concerns about Chimes security controls and fraud detection systems. Despite repeated fraud alerts, ongoing unauthorized activity, and my explicit requests for help, Chime has allowed the charges to continue posting and has refused to take appropriate action to protect my account.

As a result, my account balance has been significantly reduced, and I continue to experience unauthorized activity. I have filed an identity theft report with IdentityTheft.gov and am seeking guidance and assistance in stopping the unauthorized charges, recovering the lost funds, and compelling Chime to properly investigate and secure my account. 

I am requesting CFPB assistance to ensure that Chime : XXXX. Conducts a legitimate investigation into the unauthorized transactions XXXX. Immediately stops all unauthorized charges XXXX. Reimburses the unauthorized withdrawals XXXX. Allows my account to be closed or reissued securely XXXX. Provides a clear explanation of how charges were allowed while my cards were locked Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation