Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding unauthorized transactions on my account with Chime that were associated with charges from XXXX. The total disputed amount is {$510.00}, consisting of the following charges : {$120.00}, {$140.00}, and {$240.00}. I did not authorize these transactions. As soon as I noticed these charges, I immediately reported them to Chime and opened disputes. Since the beginning of this situation, my disputes have been repeatedly denied, even though I submitted clear evidence to support my claim. I provided screenshots of my XXXX subscriptions page, which show that these charges are not linked to any active subscription on my account. I also submitted screenshots showing XXXX attempting to charge my Chime account. In addition to that, I received fraud alert messages from Chime asking me to confirm transactions. One example of the message I received was : Chime Fraud Alert : Did you try to use your Chime card ending in XXXX for {$14.00} at XXXX XXXX? Please respond YES or NO. Alternatively, you can respond to this alert in your Chime app. Chime will never call you for a fraudulent or declined transaction. Each time I received these alerts, I responded NO, confirming that I did not authorize the transaction. I have screenshots of these fraud alerts and my responses, which I have attached as evidence. Despite these clear alerts and my responses indicating the transactions were not authorized, the problem was still not properly resolved. I also contacted Chime multiple times by phone, asking them to block XXXX from charging my account in order to prevent further unauthorized withdrawals. During those calls I explained the situation clearly and repeatedly asked for help because I was worried about more money being taken from my account. Unfortunately, nothing effective was done to stop these attempts. I have now disputed this situation five times, and each time the dispute was denied without a clear explanation of how the investigation was conducted or why the evidence I submitted was not taken into consideration. At this point, the way this situation has been handled feels extremely disrespectful and upsetting as a customer. I have done everything expected from a responsible consumer : I reported the transactions immediately, provided documentation, responded to fraud alerts confirming the transactions were not mine, contacted customer service multiple times, and fully cooperated with the dispute process. Because nothing was resolved, I had no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau and through XXXX. I have been a customer of Chime since XXXX, and I trusted this institution to protect my account and properly investigate fraud reports. Instead, after months of trying to resolve this issue, I feel like my concerns have been ignored. Under the protections provided by the Electronic Fund Transfer Act and Regulation E, financial institutions are required to conduct a reasonable investigation when a consumer reports unauthorized electronic transactions. I reported these charges promptly, provided supporting evidence, responded to fraud alerts confirming the charges were not mine, and fully cooperated with the dispute process. Despite this, my claims were denied multiple times without a meaningful explanation. These unauthorized charges have caused financial harm and significant XXXX, especially because I have spent months trying to resolve something that should have been properly handled by my bank. At this stage, I am not requesting another reopening of the same dispute, as this has already happened multiple times without resolution. I am requesting a final and fair resolution, which is the full reimbursement of the {$510.00} that was taken from my account without my authorization, along with a clear explanation of how my previous disputes were evaluated. I work hard for my money and I rely on my financial institution to protect my account and take fraud reports seriously. I will not give up pursuing this matter until it is resolved fairly, and I expect my bank to respect my rights as a consumer and return the funds that were taken from my account without my authorization. This situation is extremely frustrating, and after everything I have done to report and document these transactions, the continued denial of my claim feels absurd and unacceptable.

Company response to consumer: Closed with explanation