Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #12278227
Complaint Overview
Complaint ID: 12278227
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Michigan
ZIP Code: 492XX
Date Received: 2025-03-01T12:00:00-05:00
Date Sent to Company: 2025-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I called chime bank on XX/XX/XXXX after I had gotten a notification stating there had been a declined debit card transaction from XXXX XXXX and the merchant is blocked in my account on XX/XX/XXXX I had them blocked as this is the second time this has happened to me now, well even with the notification and chime being aware that XXXX was blocked they still allowed them to make multiple unauthorized debits from my bank checking account on XX/XX/XXXX in the amounts of {$25.00}, {$30.00}, {$30.00}, {$30.00},, {$30.00}, {$10.00}, {$14.00} and {$22.00} for a total of {$190.00}. chime bank supervisors and customer service agents told me that when someone used my card that when the debit didn't go through for betmgm that they made another account just to be able to take my money!!! Now I don't see an establishment making a special account just to take my money but that's the excuse that chime bank gave me when I asked why they would have allowed them to take my money when they were blocked. Chime is now telling me I have to wait for these transactions to settle and then file a dispute that they won't stop the payments when they should have never let them even go through I'm beyond livid at how a bank could let a blocked merchant access XXXX of they're customers funds!!
Frequently Asked Questions
What is Complaint #12278227 about?
Complaint #12278227 was filed against Chime Financial INC regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-03-01T12:00:00-05:00.
How did Chime Financial INC respond to this complaint?
The company responded with: "Closed with explanation". 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 (Checking or savings account) 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.