Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
Professional Statement of Facts Regarding Unauthorized Transactions and Systemic Failures by Chime Financial , Inc. 

Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Background and Relationship with Chime I, XXXX XXXX, have been a customer of Chime Financial , Inc. ( Chime ) for nearly XXXX years. I originally signed up under the beliefbased on advertising and marketing materialsthat Chime functioned as a bank. I maintained both a checking and savings account, in addition to a Chime XXXX XXXX card. Since XX/XX/XXXX, I have received consistent weekly direct deposits of {$510.00} into my Chime account, derived from my XXXX XXXX benefits after XXXX XXXX XXXX XXXX 

For the first several years, my experience with Chime was uneventful and reliable. However, beginning in XX/XX/XXXX, I encountered a series of alarming unauthorized and duplicative transactions which led to a significant financial disruption and revealed potential legal and systemic failures within Chimes operations. 



XXXX. Initial Incident and Escalation On XX/XX/XXXX at XXXX AM, I placed a legitimate order on XXXX totaling {$180.00} using my Chime debit card ending in XXXX. This transaction was processed immediately. 

On XX/XX/XXXX at XXXX XXXX XXXXr depositing {$110.00} into my account ( available balance {$120.00} ), I received a notification that an identical charge of {$180.00} had been debited. This occurred : Despite the debit card being locked, Despite insufficient funds ( resulting in a - {$170.00} balance ), and, Without any record at XXXX of a second transaction. 


Repeated inquiries to XXXX from XX/XX/XXXX confirmed that only XXXX legitimate transaction existed. The duplicate charges appeared to originate from Chimes end. 



XXXX. Dispute Efforts and Chimes Protocols By XX/XX/XXXX, I was finally able to file a dispute for the unauthorized charge. However, Chime withheld XXXX reimbursements and applied {$200.00} from my paycheck toward the negative balance caused by the disputed transaction. These funds were not reimbursed. 

On XX/XX/XXXX, during a recorded call with a Chime agent named XXXX XXXX with XXXX witnesses present ), she openly stated that Chime does not follow banking laws ; we have our own protocol for fraudulent transactions. She confirmed that Chime requires fraudulent charges to post before a dispute can be filedcontrary to Regulation E under the Electronic Fund Transfer Act. 



XXXX. Continued Double Charges and Debit Card Manipulations On XX/XX/XXXX, I placed XXXX XXXX orders ( {$150.00} and {$23.00} ) with card ending in XXXX. Both were processed correctly. 

By XX/XX/XXXX, a duplicate charge of {$150.00} was authorized despite the card being locked. I immediately canceled and replaced the card. XXXX confirmed they did not initiate the second charge. 

On XX/XX/XXXX, another duplicate transaction of {$23.00} was authorizedon a now non-existent card. 
.. 




XXXX. Financial Consequences and Chimes Failures As of XX/XX/XXXX, my account was overdrawn to - {$230.00}, leaving me unable to access funds for essential living needs. Despite clear evidence, Chime insisted that XXXX was responsibleeven as XXXX confirmed no duplicate transactions exist in their records. 

Additionally : Chime permitted charges on canceled cards. 

MyPay funds were used to offset Chime-induced overdrafts. 

Weekly direct deposits were seized to repay XXXX, that was seized to offset Chime-induced overdrafts. 

Therefore Ive been charged 3 times for XXXX transaction, for each unauthorized transaction. 

This created a perpetual debt cycle : funds were withdrawn, duplicated, offset with XXXX, and then re-debited. 



XXXX. Denial of Disputes Without Due Process Disputes filed for duplicate transactions on XX/XX/XXXX and XX/XX/XXXX were denied within XXXX hours. I have requested all documentation used in these denials, as is my right under federal law. 

Walmarts internal systems confirm no duplicate charges were made from their system. Nevertheless, Chime continues to assert XXXX is at fault, without evidence or meaningful investigation. 



XXXX. Repeated Attempts at Escalation Ignored I have now submitted this information via email to at least XXXX Chime executives, on multiple occasions, with no response. XXXX has independently refunded XXXX of the duplicate transactions. 

Chimes dispute resolution process is opaque, inaccessible, andin this caseunlawful. The company provides no legal contact for consumers and has stonewalled multiple attempts for redress. 



XXXX. Summary of Legal Concerns Chimes conduct may constitute multiple violations, including : Breaches of Regulation E ( EFTA ) : Failure to provide provisional credit within 10 days ; delays and denials without valid justification. 

Unfair or deceptive acts or practices ( XXXX ) : Authorizing charges on canceled or locked cards. 

Failure to maintain effective dispute protocols, despite being a regulated financial entity. 

Misrepresentations by agents about legal compliance obligations. 




XXXX. Requested Relief I respectfully demand : XXXX. Immediate refund of all duplicate charges. 


XXXX. Reimbursement of XXXX advances seized to offset negative account balance resulting from Chimes unauthorized duplicate charges made in error. 

XXXX. Reimbursement of direct deposit funds taken to then repay XXXX funding causing me, the consumer, to be charged XXXX separate times for XXXX transaction. 


XXXX. Formal written response from Chimes legal or compliance team. 


XXXX Review and audit of Chimes authorization and dispute-handling systems. 



This letter will also be submitted to the CFPB, FDIC, FTC, and other relevant authorities. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation