Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
RE : New Related Complaint Against Chime Financial , Inc. Unauthorized Transaction of {$75.00} Never Investigated or Addressed Please Link to Prior Complaint ( s ) on File Dear Consumer Financial Protection Bureau, I am filing this complaint against Chime Financial , Inc. ( Chime ), headquartered at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, regarding an unauthorized transaction of {$75.00} that was made on my account without my knowledge or authorization and that Chime has never investigated, reopened, or addressed in any manner. This complaint is directly related to prior complaints I have already filed with the Bureau against Chime concerning the same fraudulent incident. I respectfully request that this complaint be linked to my prior filings and incorporated into Chimes regulatory record. I. Background The unauthorized {$75.00} transaction is directly connected to a larger fraudulent incident involving approximately {$370.00} in total unauthorized charges on my Chime account. I reported the fraud to Chime within approximately one hour of discovery and filed a police report, a copy of which I provided to Chime. I have filed multiple internal disputes with Chime, sent two formal Notice of Demand letters via certified mail on XX/XX/year>, and filed prior complaints and supplemental complaints with the CFPB documenting Chimes repeated failures to conduct reasonable investigations and provide written findings as required by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E, 12 C.F.R. Part 1005. While Chime has recently applied a {$300.00} credit to my account in connection with a related dispute, the {$75.00} transaction has been completely ignored. Chime has never reopened a dispute for this amount, never provided any written acknowledgment of it in the context of the broader fraud, and never offered provisional credit or written findings related to it. Chimes response to my prior CFPB complaint also failed to address this amount in any way. II. Chimes Violations With respect to the {$75.00} unauthorized transaction, Chime has violated the following provisions of the EFTA and Regulation E : 1. 15 U.S.C. 1693f and 12 C.F.R. 1005.11 ( c ) Failure to investigate a reported unauthorized electronic fund transfer within the required timeframe. 2. 12 C.F.R. 1005.11 ( c ) ( 2 ) Failure to provide provisional credit during the pendency of an extended investigation. 3. 12 C.F.R. 1005.11 ( d ) Failure to provide written findings and failure to inform me of my right to request the documents relied upon. 4. 15 U.S.C. 1693g Failure to meet the financial institutions burden of proof that the {$75.00} transaction was authorized by me. These violations are not isolated. They are consistent with the broader pattern of bad faith dispute handling documented in my prior CFPB complaints, including : multiple rapid denials without explanation, a 24-hour denial of a self-reopened dispute, failure to respond to certified demand letters, and failure to provide written findings across all disputes. The complete disregard of the {$75.00} transaction is the most recent and clearest example of Chimes systemic noncompliance.

Company response to consumer: Closed with monetary relief