Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #13767128
Complaint Overview
Complaint ID: 13767128
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: California
ZIP Code: 95112
Date Received: 2025-05-27T12:00:00-05:00
Date Sent to Company: 2025-05-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I was charged {$490.00} by a company called XXXX for a service that I never authorized to continue. Their team initially reached out to me directly, offering a free trial, to which I agreed under the clear understanding that I would not be charged unless I explicitly chose to keep the service. Prior to the charge, their representative XXXX XXXX XXXX explicitly stated in writing that I would only be billed if I decided to keep it. I never gave such consent, and I was ultimately dissatisfied with the product, which led to financial losses when using their betting tool. I contacted the company shortly after the charge to request a refund, but they refused. Then, approximately XXXX days after the charge was authorized through my bank, XXXX abruptly closed my account, completely cutting off my access to the serviceeven if I had wanted to use it ( which I did not ). As a result, I was charged {$490.00} without consent, denied a refund, and denied access to the product I was billed for. I then filed a formal dispute with my bank, Chime ( Dispute # XXXX ). Despite submitting supporting evidence that the charge was conditional and unauthorized, Chime denied the claim. At this point, I have paid {$490.00} for a service I did not consent to, was refused a refund, lost access to the product, and was effectively scammed. I am seeking a full refund and accountability for this companys deceptive, misleading, and retaliatory practices.
Frequently Asked Questions
What is Complaint #13767128 about?
Complaint #13767128 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 2025-05-27T12:00:00-05:00.
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.