Consumer complaint received 2026-03-10 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: TX

Complaint narrative:
I am filing this complaint against Chime Financial , Inc. regarding extensive unauthorized electronic fund transfers on my account and Chimes failure to comply with Regulation E. In addition, Chime closed my account immediately after I submitted my dispute, which prevented me from monitoring the investigation and delayed access to my remaining funds. Between XX/XX/XXXXXXXX and XX/XX/XXXX, my Chime Checking and XXXX XXXX accounts were repeatedly charged by a merchant descriptor listed as XXXXXXXX XXXX XXXX XXXX. I did not authorize any of these transactions, did not provide my account information to any third party, and did not receive any goods or services related to these charges. The transactions show a clear pattern of recurring fraud, including repeated amounts, multiple charges on the same day, and increasing frequency over time. The total unauthorized amount exceeds {$4800.00}. The merchant listed does not appear to be a legitimate business. There is no identifiable website, no customer support contact, and no verifiable merchant presence. This is consistent with fraudulent transaction activity. A full transaction list was provided to Chime and is included with this complaint. I promptly reported the unauthorized activity to Chime, filed Police Report number XXXX, and submitted a formal written dispute. After Chime denied my claim stating that no error occurred, I submitted a written rebuttal requesting reconsideration under Regulation E and asking for provisional credit and documentation supporting their decision. The day after I submitted my dispute, Chime closed my account. This action prevented me from accessing my account, reviewing transactions, monitoring the status of my dispute, and submitting additional evidence. Chime informed me that my remaining funds would be withheld and only released by check after approximately 15 days. This created additional financial hardship and restricted access to my own money while fraudulent charges were still under dispute. Chime denied my dispute without providing evidence, investigation details, or documentation explaining how the transactions were determined to be authorized. Chime failed to conduct a reasonable investigation, failed to provide provisional credit, failed to consider the police report, and failed to provide investigation notes, logs, or merchant validation. Closing my account immediately after submitting a fraud dispute interfered with the dispute process and raises concerns of retaliatory or obstructive behavior. As a result of Chimes actions, I have suffered financial loss exceeding {$4800.00}, loss of account access, delayed access to remaining funds, inability to monitor or participate in the investigation, and significant financial and emotional stress. I am requesting that the CFPB require Chime to reopen and properly investigate my unauthorized transaction dispute under Regulation E, issue full provisional and permanent credit for all unauthorized transactions, provide all documentation used to deny my claim, explain the justification for closing my account immediately after dispute submission, and ensure that consumer funds are not withheld during an active fraud investigation. I am also requesting written confirmation of compliance. Supporting documentation includes the full transaction list, police report, Chime dispute denial, written rebuttal correspondence, and account closure notice.

Company response to consumer: Closed with explanation