Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
On XX/XX/year>, a fraudulent transaction totaling {$98.00} was made to my Chime account through XXXX. I have never ordered anything through XXXX, do not have an account with them, and if an account somehow exists, it has never been used. I did not authorize any purchase through their platform. 

I immediately contacted Chime the same day to report the unauthorized charge and initiate a dispute. I provided all necessary information and acted promptly, expecting a fair and timely investigation. 

However, Chime took 12 full days before closing the dispute on XX/XX/year>, ultimately denying my claim and stating that I authorized the transaction. This conclusion was reached without any direct communication or opportunity to appeal. The decision was delivered via a no-reply email, offering no path for follow-up or discussion. 

Given that Ive been through this process with Chime on three separate occasions, I had a strong sense of how this would unfold. Thats precisely why Im no longer reaching out to Chime for further clarification past experience has shown that doing so leads nowhere. That said, I did demand that they reopen the dispute.

Whats especially troubling is that Chime could have easily verified the fraud by contacting XXXX directly. Had they done so, they could have obtained the delivery address associated with the order something I personally attempted by contacting XXXX and asking for the shipment to be stopped. If I could take that step as a customer, Chime, as the financial institution, certainly had the ability and authority to do so. Their failure to act reflects a blatant disregard for protecting their users from fraud.

This is now the third incident of fraud Ive experienced through Chime. In each case, I received a new debit card, but Chime has never investigated or addressed the root cause. They continue to allow breaches without transparency, accountability, or adequate security protocols.

In addition to my communication with Chime and XXXX, I have filed a police report for identity theft, and I am working with local law enforcement to pursue this matter further.

I respectfully request that the CFPB investigate : - Chimes failure to take basic investigative steps ( such as contacting the merchant ).

- Repeated negligence in protecting customer accounts across multiple incidents.

- Denial of a legitimate dispute without any opportunity for appeal or explanation.

- Potential violations of federal consumer protection laws, including Regulation E.

I am seeking a full refund of {$98.00} and a broader review of Chimes fraud prevention and dispute-handling practices.

I'm only reaching out because this has happened far too many times and they need to be held accountable for this negligence. XXXX will likely reimburse me before Chime doesespecially since theyve already denied the claim once. This isnt the first time Ive dealt with this kind of negligence either. When a similar situation happened previously with a fraudulent charge from XXXX, Chime denied my dispute not once, but twice. It was XXXX, not my bank, who ultimately stepped up and refunded memonths later. That speaks volumes. 

Thank you for your time and attention to this matter. If you require the police report or additional documentation, please dont hesitate to reach out.

Company response to consumer: Closed with explanation