Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
Financial Institution : Chime Financial , Inc. 
Product : Checking account / XXXX payment Issue : Unauthorized transaction / Fraud Sub-issue : Dispute handling / Refusal to investigate Complaint Summary I am filing this complaint because Chime Financial has refused to reopen a fraud dispute and review new, material evidence, despite multiple requests and assurances from Chime representatives that I would be given the opportunity to upload supporting documentation. My account was subsequently closed, and Chime is now using the account closure as justification to deny me access to the dispute department entirely. 

This refusal violates Chimes obligation to conduct a reasonable investigation of an unauthorized transaction when new evidence is presented. 

Detailed Explanation of What Happened On XX/XX/year> I was the victim of an interstate vehicle shipping fraud scheme. 

At the time of payment, the recipient fraudulently presented themselves as a legitimate vehicle shipping company, XXXX XXXX XXXX, operating under the website XXXX XXXX XXXX  They provided what appeared to be a professional invoice, proof of insurance, and proof of licensing. I reasonably believed I was making a legitimate merchant payment for vehicle transportation services, not a person-to-person ( XXXX ) transfer. 

I did not know the payment was being processed as a XXXX transaction, nor did I knowingly authorize payment to an individual. Had the true nature of the transaction been disclosed, I would not have proceeded. 

After a third-party driver took possession of my vehicle in another state, the fraudulent company began threatening me and demanding payment under duress, stating that if I did not immediately send funds : My vehicle would be abandoned It would be dropped in a random location It would be left approximately XXXX miles away from me At that point, my vehicle was already out of my control. I complied solely out of fear of losing my property, not because I authorized the transaction freely. 

Authorization obtained through fraud, coercion, or duress is not valid authorization. 

New Evidence Chime Refuses to Review After the initial dispute decision, I emailed new, material evidence that was not submitted previously, including : A fraudulent invoice falsely representing the transaction as a legitimate merchant payment A detailed timeline of events showing pickup, threats, and payment Communications demonstrating explicit threats and coercion Evidence of misrepresentation as a licensed shipping company I contacted Chime by phone and email to request a reinvestigation based on this new evidence. XXXX Chime agents explicitly told me I would receive a link to upload supporting documentation. That link was never sent. 

When I followed up, I was told that because my account had been closed, I was no longer allowed to speak with the dispute department, and Chime refused to reopen or review the dispute at all. 


Chime failed to provide the promised method to submit supporting evidence Chime is refusing to conduct a reasonable reinvestigation despite new material information Chime is improperly using account closure to block dispute resolution The transaction was obtained through fraudulent misrepresentation and duress and should not be classified as authorized This conduct effectively denies me consumer protections and dispute rights. 

What I Am Requesting as Resolution I am requesting that Chime Financial : Reopen and reinvestigate the dispute Review all newly submitted supporting documentation Reclassify the transaction as unauthorized due to fraud and duress Provide a written explanation of the final determination after reviewing the evidence I am also filing reports with the Federal Trade Commission and law enforcement agencies due to the interstate nature of this fraud scheme.

Company response to consumer: Closed with explanation