Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #12950195
Complaint Overview
Complaint ID: 12950195
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: Oklahoma
ZIP Code: 731XX
Date Received: 2025-04-11T12:00:00-05:00
Date Sent to Company: 2025-04-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX, my Chime Debit Card, Credit Builder Card along with my XXXX XXXX XXXX were stolen. That same day, a string of XXXX unauthorized Cash App Transactions occurred. They continued until XX/XX/XXXX, when the perpetrator withdrew {$270.00} on XX/XX/XXXX at XXXX. This had totaled up to the amount of {$550.00}. I had tried numerous times to order a new card so this angered me. I filed a police report on this claim with my local police department ( XXXX XXXX Police Department ) which they approved and opened. I also consulted with Cash App as well as had an account takeover review done by XXXX, which they claimed had unauthorized activity on the dates of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. So with all that evidence in mind, I filed an Unauthorized dispute with Chime for the XXXX transactions totaling {$550.00}. I also provided all the evidence from the merchants, the police reports, and the written statement that was requested which I wrote out as well. They have denied my claim twice even with applicable evidence and I am looking to take legal action against this financial institution and its partner bank for the mishandling of this matter. I have until the end of XXXX to recieve these funds in my account or I will be purusing every possible avenue of legal arbitration against Chime Financial , Inc and XXXX XXXX XXXX as well. And also I was promised multiple times that by XXXX on XX/XX/XXXX I would be receiving a temporary credit. I also reviewed the documentation on which the claim was denied and the changes to my personal and account information clearly reflect the compromising of the account and device the account was on. I have been lied to numerous times by the institution and would like the credit so I can close my account with this financial institution once and for all. Otherwise another denial will be grounds for legal arbitration.
Frequently Asked Questions
What is Complaint #12950195 about?
Complaint #12950195 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 2025-04-11T12:00:00-05:00.
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.