Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year>, I called Chime to file 88 disputes totaling {$4200.00} for transactions on the XXXXXXXX XXXX gaming platform. I wanted to file under misrepresentation or goods and services not as described, but the agent categorized my disputes as incorrect amount charged. This limited my claim to a fee discrepancy when the actual issue was far broader the merchant had no valid Terms of Use agreement during my transaction period and misrepresented its fee structure entirely. On XX/XX/XXXX, Chime asked me what amount should have been charged and to upload receipts. I provided a comprehensive chart showing the merchants represented 2 % fee versus the actual fees of 5-12 % with calculated overages for all 88 transactions. I also provided merchant email receipts that notably disclose no amount paid, no fee, and no transaction total. That same day, Chimes investigator contacted the merchant directly instead of filing chargebacks through the XXXX network. The merchant did not respond. On XX/XX/XXXX, Chime asked a fundamentally different question : What is the reason the merchant should not have charged you for this transaction? This is not an incorrect amount question this is a question about the legitimacy of the charges themselves. I provided a detailed explanation with evidence proving the merchant had no valid Terms of Use during my transactions, that the merchant backdated the Terms after I raised the issue, and the merchants own written admissions. Despite asking me this question and receiving my documented response, Chime still processed my claim as a simple billing error. On XX/XX/XXXX, Chime issued its determination. Of my {$4200.00} claim, Chime denied {$2800.00} finding no billing error occurred and approved {$36.00}. The {$36.00} represents a fraction of the fee overage on a small subset of transactions. Chime reduced an 88-transaction fraud dispute involving a merchant with no valid contract, documented fee misrepresentation, and fabricated legal documents to a {$36.00} fee adjustment. Approximately {$1300.00} in transactions were approved but can not be refiled. Chimes determination is fundamentally flawed for the following reasons. First, Chime categorized my dispute incorrectly. I wanted to file under misrepresentation. My claim was not simply that the amounts were wrong it was that the merchant had no valid Terms of Use agreement during any of my transactions, meaning there was no contractual basis for any charge. Chime forced this into an incorrect amount framework and then evaluated it as a billing error. Second, Chime asked me directly why the merchant should not have charged me for the transactions. I explained that no valid Terms of Use existed. Chime then ignored its own question and my documented answer by processing the claim as a fee discrepancy anyway. Third, Chime approved transactions from the same merchant using the same evidence and the same dispute, but denied the majority. If the merchants practices warranted a partial credit, the same reasoning applies to all 88 transactions. Fourth, Chime never filed chargebacks through the XXXX network. Instead, the investigator contacted the merchant directly on XX/XX/XXXX, received no response, took no further action for 10 days, and then denied my claim. The merchant was never required to respond through the formal chargeback process or produce a valid Terms of Use agreement proving the charges were authorized. Fifth, the merchants own management recommended in writing that I file these disputes, stating : Our recommendation would be to pursue chargebacks, as this process is typically straightforward and cost-effective for both parties. Management also stated : Should your bank determine that the purchases were invalid, we will respect that decision and will not challenge it. Chime had this documentation and still denied the claim. I am requesting that Chime reopen my denied disputes and process them under the correct category of goods or services not as described or merchant misrepresentation. I am requesting that Chime file the disputes through the XXXX network as formal chargebacks rather than contacting the merchant directly. And I am requesting that Chime explain how it determined no billing error occurred on {$2800.00} when the merchant never responded, no chargebacks were filed, no valid Terms of Use could be produced for the transaction period, and the merchant itself recommended I file these disputes and promised not to contest them.

Company response to consumer: Closed with explanation