Consumer complaint received 2026-01-22 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: IL

Complaint narrative:
Formal Fraud Affidavit Unauthorized Debit Card and XXXX XXXX XXXX XXXX XXXX Chime Member Services, I am submitting this statement as a formal fraud affidavit disputing unauthorized and fraudulent card transactions made using my Chime Debit Card and Chime XXXX XXXX XXXX. 
I did not authorize, approve, recognize, or knowingly permit any of the charges listed below. These transactions were conducted without my consent. I did not knowingly enroll in, agree to, or approve any trial, subscription, or recurring billing associated with these merchants. Any indication of authorization is the result of fraud, deceptive practices, or misuse of my card information. 
These disputes are submitted pursuant to Regulation E ( 12 CFR 1005 ) for unauthorized debit card transactions and the Fair Credit Billing Act ( 15 U.S.C. 1666 ) for unauthorized XXXX XXXX card transactions. 
Unauthorized and Fraudulent Transactions : XXXX XX/XX/year> {$29.00}, {$12.00}, {$29.00}, {$29.00} WinRed XXXX transactions at {$1.00} each ( Total {$7.00} ) XXXX  ( formerly XXXX  ) {$8.00} XXXX XXXX {$1.00} XXXX  {$4.00} XXXX  {$52.00} XXXX / XXXX  XXXX {$53.00} XXXX {$9.00} XXXX {$9.00}, {$1.00} I did not receive or benefit from any legitimate goods or services related to these charges. These transactions are unauthorized, fraudulent, and invalid. 
Formal Demand for Action : I formally request that Chime open a fraud investigation, issue provisional credit for disputed debit card transactions, remove and credit all disputed XXXX XXXX charges, and cancel and replace any compromised cards. 
CFPB Escalation Notice : If these disputes are not resolved in full compliance with Regulation E and the Fair Credit Billing Act, I will immediately escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). This affidavit and supporting documentation will be submitted as evidence of timely notice and noncompliance. 
I certify under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. 
Signed : XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX CFPB ) Complaint Company : Chime Financial XXXX XXXX XXXX XXXX : I am filing this complaint against Chime Financial, Inc. for failure to properly investigate and reimburse unauthorized and fraudulent debit card and Credit Builder card transactions, in violation of Regulation E ( 12 CFR 1005 ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ). Multiple charges were made on my Chime Debit Card and Chime Credit Builder Card without my authorization or consent. I did not knowingly enroll in any trials, subscriptions, or recurring billing with the merchants involved. Any appearance of authorization resulted from fraud, deceptive billing practices, or misuse of my card information. I timely notified Chime and submitted a formal written fraud affidavit detailing the disputed transactions. Despite this, Chime has failed to properly resolve the dispute and/or issue appropriate provisional credit as required by law. Disputed Merchants Include : XXXX ( multiple charges on the same date ) WinRed ( multiple {$1.00} test charges ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Resume Now XXXX XXXX XXXX These transactions were unauthorized, I did not benefit from any goods or services, and they should be credited back to my account. Requested Resolution : I respectfully request that the CFPB require Chime Financial , Inc. to : XXXX. Fully comply with Regulation E and the Fair Credit Billing Act XXXX. Issue full reimbursement for all unauthorized transactions XXXX. Correct any account records impacted by these fraudulent charges XXXX. Provide written confirmation of resolution Consumer : XXXX XXXX XXXX Attachments : Signed Fraud Affidavit and transaction documentation

Company response to consumer: Closed with explanation