Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am filing a formal complaint under Regulation E regarding Chimes mishandling of my unauthorized transaction disputes totaling {$1200.00}, related to XXXX fraudulent payments sent via XXXX to a user named XXXX XXXX between XX/XX/XXXX and XX/XX/year> : Original Dispute ( Denied ) XXXX Transactions : XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$100.00} Total : {$550.00} Second Dispute ( Approved ) XXXX Transactions : XX/XX/XXXX {$150.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} Total : {$650.00} Timeline of Events : XX/XX/XXXX : Reported all XXXX transactions as unauthorized. Only XXXX included in initial dispute. Chime failed to explain partial filing. ( Please refer to file XXXX ) XX/XX/XXXX : Filed second dispute for remaining XXXX transactions. ( Please refer to file XXXX ) XX/XX/XXXX : First dispute denied. No provisional credit issued. Promised documents not delivered until XX/XX/XXXX. ( Please refer to file XXXX ) XX/XX/XXXX : Provisional credit issued for second dispute. ( Please refer to file XXXX ) XX/XX/XXXX : Second dispute approved. Chime acknowledged error. ( Please refer to file XXXX XX/XX/XXXX : Filed official appeal and was promised provisional credit if no resolution in XXXX business days. 
XX/XX/XXXX : Received second dispute documents. First dispute docs still missing. Please refer to file XXXX XX/XX/XXXX : Finally received first dispute documents. They were nearly identical to second ( Please refer to file XXXX XX/XX/XXXX : Told provisional credit would post XX/XX/XXXX. Dispute still being investigated. 
XX/XX/XXXX : Credit not received. Told claim was no longer eligible with no reason. Escalated by agent. 
XX/XX/XXXX : Dispute denied again. No error found. No credit issued. ( Please refer to file XXXX XX/XX/XXXX : Requested supporting documents for the second denial. Told to expect them in 10 days. 



Explanation for Split Disputes : Although I reported all XXXX unauthorized XXXX transactions to Chime on XX/XX/year>, only XXXX were included in the initial dispute. This occurred because, at the time of the call, only those XXXX transactions had fully posted to my account. The remaining XXXX transactions were still pending and could not be formally disputed according to Chimes internal policies. 

Chime failed to explain this distinction or inform me that I would need to file a second dispute once the remaining transactions posted. This resulted in the dispute being improperly split in XXXX, despite my clear intent to report and dispute all XXXX charges as fraudulent. 

As a result, the first dispute for {$550.00} was denied, while the second dispute for {$650.00} was approvedeven though the fraudulent activity and merchant responses were nearly identical. This inconsistent treatment and lack of transparency are central to my Regulation E complaint.

Summary of Chimes Regulation E Violations : Failed to clearly inform me of partial dispute filing or how to dispute remaining charges Failed to issue provisional credit after XXXX business days for both original and reopened disputes Took over XXXX months to deliver dispute documentation ( in violation of XXXX ( d ) ) Provided contradictory and changing information regarding provisional credit eligibility Treated identical fraud cases inconsistently, despite internal agent acknowledgment Mishandled the appeal and re-investigation process, causing extended harm

Company response to consumer: Closed with monetary relief