Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
SWORN AFFIDAVIT OF NON-RECEIPT AND UNAUTHORIZED ELECTRONIC FUND TRANSFERS Claim ID : XXXX Date : XX/XX/XXXX I, XXXX XXXX, being of lawful age and competent to testify, hereby declare under penalty of perjury pursuant to 28 U.S.C. 1746 that the following statements are true and correct : Account Information Account Ending In : XXXX Cards Used ( last four digits over relevant period ) : XXXX, XXXX, XXXX, XXXX Merchant : XXXX XXXX / XXXX XXXX Total Amount Disputed : {$6800.00} Number of Transactions : XXXX Dispute Type : Non-Receipt of Goods or Services/ Unauthorized Electronic Fund Transfers Date Error Reported : XX/XX/XXXX Statement of Non-Receipt and Lack of Authorization Between XX/XX/XXXX and XX/XX/XXXX, XXXX transactions totaling {$6800.00} were charged to my Chime account in connection with XXXX XXXX / XXXX XXXX. 
I XXXX  that : I did not receive any login credentials. 
I did not receive account activation confirmations. 
I did not receive trading platform access. 
I did not activate, access, or benefit from any trading evaluation or funded account. 
I did not authorize the issuance of accounts under any name other than my legal name. 
Upon review, trading accounts tied to these charges were issued under the name XXXX XXXX, not my legal name, XXXX XXXX. I never authorized transactions under that name, nor did I authorize any third party to do so. 
No services were rendered to me. No digital product was delivered to me. No usable access was ever provided.

Fraud Documentation An officially approved police report has been filed documenting identity misuse and financial fraud connected to these transactions. That report has been provided to support this investigation.

Additionally, another regulated financial institution conducted an independent investigation into identical XXXX charges and issued permanent credit in my favor after review. 
Regulation E Applicability These transactions qualify as disputed electronic fund transfers under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR 1005.11 ).

Regulation E does not limit consumer protection solely to tangible merchandise. It applies to unauthorized electronic fund transfers and errors, including : Unauthorized EFTs Incorrect electronic fund transfers Failure to receive agreed-upon services The classification of the merchants product as a service does not eliminate consumer protections under Regulation E.

Furthermore, the timing of the dispute does not negate protection where fraud or identity misuse is involved and reported promptly upon discovery. I reported these transactions upon confirming the lack of account access and identifying identity misuse.

Provisional Credit Request Under Regulation E 1005.11 ( c ), a financial institution must provisionally credit the consumers account within 10 business days of receiving notice of the error if the investigation can not be completed within that timeframe.

Given : The volume of transactions ( 103 ) The submitted police report The absence of credential delivery The name mismatch XXXX bank findings in my favor I formally request issuance of provisional credit while the investigation remains ongoing. 
If Chime maintains that full provisional credit is not appropriate at this stage, I request that at minimum a substantial percentage of the total disputed amount be issued as provisional credit pending final determination, as the financial hardship caused by withholding the entire disputed sum is significant and the supporting documentation strongly substantiates fraud and non-receipt. 
XXXX I XXXX under penalty of perjury that : I did not authorize these transactions. 
I did not receive or benefit from any associated services. 
The information provided in this affidavit is true and accurate to the best of my knowledge. 
I respectfully request that this sworn affidavit be incorporated into the investigative file and that Chime confirm in writing : The current stage of investigation XXXX provisional credit will be issued The legal basis for any denial Executed on this XXXX day of XXXX, XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation