Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am submitting this complaint against Chime Financial , Inc. regarding the handling of multiple disputes, the reversal of provisional credits, the closure of my account during ongoing dispute activity, the failure to account for refunded funds, and unexplained post-closure account activity. This complaint relates to seven disputed XXXX transactions. XXXX disputes totaled approximately {$2300.00}, and XXXX dispute totaled {$2400.00} ( Claim ID : XXXX ). I submitted dispute claims and supporting documentation, including communications from the merchant indicating that refunds would be issued. Despite the evidence provided, I believe Chime and XXXX XXXX XXXX failed to conduct consistent and reasonable investigations of these disputes. With respect to Claim ID XXXX in the amount of {$2400.00}, I submitted documentation showing that the merchant indicated a refund would be issued. Chime initially provided a temporary credit but later denied the dispute and reversed the provisional credit. As a result of the reversal, my account reflected a negative balance of {$2400.00}. On XX/XX/year>, my account was closed. In response to a prior regulatory complaint, XXXX XXXX XXXX stated that the account was closed because it was considered " high risk. '' However, this response did not address the evidence submitted in support of the dispute, the basis for denying the claim, or the apparent inconsistencies in the handling of the related disputes. The six additional XXXX disputes totaling approximately {$2300.00} were handled differently despite involving similar facts and supporting evidence. I was informed that certain disputes were credited while others were denied. These inconsistent outcomes raise concerns regarding whether the investigations were conducted in a uniform, accurate, and reasonable manner. A significant issue in this matter concerns funds returned by XXXX. I possess documentation showing that XXXX returned approximately {$4600.00} in disputed transactions to my original Chime account. Despite this, Chime only accounted for approximately {$2300.00} of those funds. Chime subsequently denied the remaining disputes and has not provided a complete accounting showing what happened to the remaining approximately {$2300.00}. 4 other claim numbers regarding the merchant was approved in the amount of {$2300.00} The central issue is that I have documentation indicating that the merchant returned approximately {$4600.00}, yet Chime has only accounted for approximately half of that amount. To date, neither Chime nor XXXX XXXX XXXX has provided records explaining when the refunded funds were received, how they were applied, whether they were used to offset a balance, whether any portion was returned, or why approximately {$2300.00} remains unaccounted for. If the merchant returned the disputed funds, Chime should be able to fully reconcile those funds and explain their disposition. Following account closure, additional concerns arose regarding activity on the closed account. During telephone conversations with Chime representatives on XX/XX/year>, I was informed that my account balance had increased from approximately negative {$2400.00} at the time of closure to approximately negative {$3400.00}. I was informed that this increase included a {$1000.00} Webull-related charge dated XX/XX/year>, as well as an additional charge of approximately {$64.00}. These transactions are particularly concerning because Chime 's account closure notice stated that ACH debits and recurring card payments may be rejected after XX/XX/year>. Despite this representation, a {$1000.00} debit associated with XXXX was posted nearly one month after the account closure date. Chime has not clearly explained whether this was a late-posted transaction, an adjustment, a reversal, or a newly processed debit. As a result, I have been unable to determine why my balance increased after closure or whether the increase was proper. I was also informed that provisional credits associated with ongoing disputes are inaccessible because the account has been closed. This creates an additional concern because the account closure effectively prevents access to funds that were issued during the dispute process while questions regarding the underlying investigations remain unresolved. I am requesting that the CFPB review whether Chime Financial and XXXX XXXX XXXX properly investigated these disputes, properly handled provisional credits, properly accounted for merchant refunds, and properly processed transactions after account closure. Specifically, I request : A complete accounting of all funds received from XXXX related to the disputed transactions, including dates, amounts, and disposition of each refund. A reconciliation explaining why approximately {$2300.00} in refunded funds appears to remain unaccounted for despite documentation showing that approximately {$4600.00} was returned by the merchant. A detailed explanation of the denial of Claim ID XXXX and the basis for reversing the provisional credit despite evidence submitted in support of the claim. A reconciliation of all balance changes occurring after XX/XX/year>, including the {$1000.00} Webull-related charge dated XX/XX/year> and the additional approximately {$64.00} charge. Clarification regarding how transactions were permitted to affect a closed account after Chime advised that XXXX debits and recurring card payments may be rejected after XX/XX/year>. Review of whether Chime and XXXX XXXX XXXX complied with applicable consumer protection requirements, including dispute investigation and provisional credit requirements. Restoration or proper crediting of any funds that were improperly withheld, misapplied, or not properly accounted for. I am attaching supporting documentation, including dispute records, merchant communications, refund documentation from XXXX, account records, and prior correspondence demonstrating the issues described above. The MERCHANT XXXX RETURNED THE {$2300.00} to make the total RETURNED FUNDS {$4600.00}. SOMEHOW THE {$2300.00} IS NOT IN THAT CLOSED ACCOUNT. The funds amounting to {$2300.00} were returned to me on XX/XX/year> Chime is STEALING my funds. I ask for all recorded phone calls from my interactions with Chimes horrible customer service on XX/XX/XXXX and XXXX to be reviewed in support of this claim. See attached documentation. Furthermore Chimes representatives has a knack for providing false and misleading information. For the attached evidence from the merchant Dates of transactions will also need to be cross referenced with Dates on the disputed transactions. Given that Im not the only customer this is happening to. I highly advise the CFPB to start investigating these complaints and those similar and begin issuing regulatory fines and penalties

Company response to consumer: Closed with explanation