Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
Chime has given me the run around regarding my disputes ( Unauthorized Transactions ). After speaking with multiple Specialists and Supervisors the only thing they have in common is that I am eligible for the credits that have not been applied to my account on or before XX/XX/XXXX of 2025. I am truly concerned because not only do they outsource to a team that is not in America they have a lack of concern to follow the banking regulations. After mixed reviews and their sad response received at the XXXX I am honestly concerned regarding all account holders at Chime because as they stated they simply dont have the means to handle disputes. Nor are they even attempting to ensure a smooth process for me or other the account holders. After being hung up several times and overlooked I am genuinely concerned regarding the false marketing. When something happens Chime does not issue the provisional credit. They linger about to deny the dispute and I will not go for that. If Chime does not live up to the standards that they advertise I will be filing a class action lawsuit so their dispute records can be looked into to see if they are following Regulation E as my experience can not be the first time this has happened with them. I am overall disappointed with the lack of support for the Disputes and Investigation team because they are simply not following through as if they are not a true Bank or FDIC insured, on another note I also filed a complaint with XXXXXXXX XXXX whom they clam my account is with who seems to be non existent I am truly devastated as this is not the service I signed up for or intended to receive please investigate Chime Financial further. 

I must express that I am not satisfied with the way this matter is being handled. While Chime has stated that a temporary credit may be applied to my account on or before XXXX XXXX XXXX today is XXXX XXXX XXXX XXXX and final business day, as defined under Regulation E. 


There is no longer a before in this scenario. Chime is clearly aware of the Regulation E requirement to either resolve a dispute or apply provisional credit within 10 business days. Failure to issue the temporary credit by the end of the 10th day is a direct violation of Regulation E compliance standards. They have decided to deny my dispute at XXXX this morning and have not provided documentation that supports why them made this decision. The documents provided to me make it clear that no real investigation went on. I have submitted a rebuttal. 


Because of this delay, I am now behind on my bills due to unauthorized transactions that Chime has yet to resolve or credit appropriately. This situation has caused me financial harm and emotional stress, as I am doing everything by the book while Chime is not upholding their legal obligations. 


At this point, I am formally requesting that : 1. The temporary credit be applied immediately as required by law ; 2. Chime provides a clear explanation as to why this delay has occurred ; 3. Chime offers compensation for any fees or financial damage Ive incurred due to this avoidable delay ; 4. The full results of the investigation be communicated to me by the XXXX XXXX XXXXXX/XX/year> deadline or sooner. 


I would prefer not to escalate this further, but if necessary, I will continue to pursue this matter through additional regulatory channels, as well as my attorney.

Company response to consumer: Closed with explanation