Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
Company : Chime Financial , Inc. 
Issue : Money was taken from my bank account Problem : I did not authorize a transaction What happened : On Thursday, XX/XX/year>, my Chime account was hit with multiple unauthorized/fraudulent charges totaling nearly {$700.00}. Below is a complete list : Fraudulent Charges Not Refunded : XXXX XXXX$20.00} XXXX {$46.00} XXXX {$20.00} XXXX {$97.00} XXXX XXXX XXXX {$96.00} Total still owed : {$280.00} Fraudulent Charges Refunded : XXXX  {$110.00} ( I contacted the merchant ; refund issued ) XXXX XXXX XXXX {$100.00} ( Refunded automatically by Chime ) XXXX XXXX  {$100.00} ( I contacted the merchant ; refund issued ) Attempted Fraud ( Declined ) : XXXX XXXX {$150.00} ( Declined after I closed my card ) I did not authorize or recognize any of these transactions. I attempted to dispute them immediately through the Chime app but was told to wait until the charges cleared. I did not wait for the charge to clear and called Chime that same day, reported the fraud to a live agent and I also had my card closed and replaced during that call. 

Since Chime told me to wait, I took additional action : I searched the merchants on XXXX, found their contact info, and called and emailed them the same day. 

I spoke to XXXX  XXXX XXXX, who agreed to return the funds after I informed them of the fraudulent charge. 

I received shipment confirmation from XXXX XXXX XXXX for the fraudulent charge showing a XXXX shipping address and a different name, although I live in XXXX XXXX 

From XXXX XXXX, I received a shipment email for the fraudulent charges with a shipping address in XXXX, XXXX, and a misspelling of my name in the billing address, proving the order was not mine. 

I provided all this information to Chime call times, dates, emails, and merchant responses. Despite this, Chime denied several disputes and claimed the charges were mine. I repeatedly requested that Chime provide me with the documentation and evidence they reviewed to conclude that these fraudulent charges were authorized by me. To date, no such documentation has been provided despite my multiple requests. Their determination is inconsistent and unsupported. 

Chime also demanded I submit a police report. Under the Electronic Fund Transfer Act ( EFTA ), Regulation E, a police report is not required to receive a refund for unauthorized transactions. Denying my refund on this basis is improper and may violate federal law. 

Customer Service Issues : During my attempts to resolve this, I experienced extremely poor customer service. A supervisor hung up on me during a call, and repeatedly I was told that a police report was necessary, despite this not being legally required. Each time I called, I was instructed to reopen the case and provide documentation I had already submitted. 

Legal Context : This situation mirrors past legal action such as Taylor v. Chime Financial , Inc., where Chime was accused of mishandling fraud claims and providing inadequate customer service in violation of EFTA and Regulation E. Plaintiffs in that case stated that Chime : Failed to investigate unauthorized transactions, denied valid fraud claims, and provided inadequate customer service, leaving consumers without access to their funds. 

I am requesting a refund of {$280.00} for the remaining fraudulent charges and that Chimes fraud-handling and customer service processes be reviewed for possible legal and regulatory violations. 

Summary : All charges occurred XX/XX/year> I acted promptly : reported to Chime, closed card, contacted merchants directly I live in XXXX XXXX  ; fraud shipments went to XXXX  and XXXX  Still owed : {$280.00}

Company response to consumer: Closed with explanation