Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am submitting this rebuttal regarding the Chime/Bancorp Bank Credit Builder account reporting on my XXXX  credit file. After reviewing XXXX XXXXeported data, comparing it with my actual Chime transaction history, and reviewing Chimes response to my initial CFPB complaint, it is clear that XXXX is reporting materially inaccurate, misleading, and unverifiable information.

Under the Fair Credit Reporting Act ( FCRA ), this tradeline must be deleted from my XXXX credit report. 



XXXX XXXX Is Reporting a False Payment History XXXX displays : Exceptional payment history Monthly checkmarks as if scheduled payments were made A Last Payment Date of XX/XX/2025 However, my Chime transaction history clearly shows : No financed balance No required monthly payments No revolving debt No discretionary credit repayment All payments were automatic movements of my own secured funds A secured account transfer is not a credit payment.

Reporting auto-deductions from my own money as payments violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) duty to ensure maximum possible accuracy XXXX  payment history is factually false.

2. Last Payment Date : XXXX XXXX XXXX Is False The Chime app shows : Card Payment from Secured Account You paid your monthly charges using money in your secured account. 

This was not a payment toward debt. 
This was an automatic internal transfer from funds I deposited myself. 

XXXX reporting this as a true credit payment is : misleading inaccurate unverifiable a distortion of the accounts nature 3. Highest Balance : {$44.00} Is Inaccurate and Misrepresents the Account XXXX reports a highest balance of {$44.00}, but : I never borrowed {$44.00} I did not carry a revolving balance This amount was not owed to Chime It was simply the total of card activity that Chime auto-paid using my own secured funds This is not a credit balance and should not be reported as such. 



4. Chime Auto-Payments Are Not Legitimate Credit Payments My screenshots show : Transfers from Checking into Credit Builder ( {$10.00}, {$50.00} ) Regular purchases ( gas stations, restaurants, convenience stores ) Automatic payments deducted from my secured balance These do not create a real payment history. 
Yet XXXX is reporting them as structured payments toward debt. 

This is materially inaccurate and misleads lenders about my repayment behavior.

5. Chime Failed to Provide a Legally Required Verification Chimes CFPB response : Provided no documentation Provided no method of verification Did not explain the investigation steps Ignored the specific inaccuracies reported This violates : FCRA 611 ( a ) ( 2 ) ( B ) must provide method of verification FCRA 623 ( b ) ( 1 ) duty to conduct a meaningful investigation A generic response is not compliance.

6. Case Law Requires Removal of This Account XXXX XXXX XXXX XXXX superficial investigations violate FCRA XXXX XXXX XXXX XXXX XXXX unverifiable info must be removed XXXX XXXX XXXX inaccurate and unverified accounts require deletion XXXX reporting meets all criteria for removal. 



Requested Resolution I am requesting that the CFPB require : 1. Permanent deletion of the Chime/Bancorp Bank Credit Builder tradeline from my XXXX credit report 2. Written confirmation of deletion 3. Compliance with FCRA 611 ( a ) ( 5 ) ( no reinsertion without certification ) Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation