Credit card -- Problem with a purchase shown on your statement -- Complaint #10608120
Complaint Overview
Complaint ID: 10608120
Company: Chime Financial INC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: New Jersey
ZIP Code: 088XX
Date Received: 2024-10-28T12:00:00-05:00
Date Sent to Company: 2024-10-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a complaint regarding the dispute resolution process conducted by Chime for a transaction that I reported as XXXX Not As Described. Chime did not take proper steps to resolve this issue in line with XXXX dispute guidelines, which require a thorough investigation and verification of claims in cases where the service or product was not as described. Details of the Dispute : Account Number Ending : XXXX Claim ID : XXXX Dispute Amount : {$23.00} Date of Dispute Report : XX/XX/year> Transaction Details : Dispute Type - Credit ; XXXX Not As Described Chime concluded that no billing error occurred, despite my explanation and supporting information. Based on XXXX guidelines, in a Not As Described dispute, the issuing bank is expected to verify whether the merchant accurately represented the goods or services provided. It appears Chime did not conduct an adequate investigation or reach out to the merchant for clarification or supporting documentation. Why I Believe Chimes Actions Were Inadequate : XXXX. Lack of Documentation Review : I believe Chime failed to collect or assess any documentation from the merchant, as would be standard in such a dispute case. XXXX guidelines require a merchant to prove that the transaction was as described, which I do not believe was verified. XXXX. Failure to Properly Address My Complaint : Chime did not provide sufficient details on the nature of their investigation or steps taken to resolve the dispute. The response was generic, suggesting that my dispute may not have been given appropriate consideration. 3. No Opportunity for Follow-Up or Appeal : Chime did not provide an opportunity to appeal the decision or offer additional evidence, leaving me with no recourse to further dispute the transaction.
Frequently Asked Questions
What is Complaint #10608120 about?
Complaint #10608120 was filed against Chime Financial INC regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-10-28T12:00:00-05:00.
How did Chime Financial INC respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Chime Financial INC?
Yes, visit the Chime Financial INC company profile at readthecomplaint.com/company/chime-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.