Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #16231614
Complaint Overview
Complaint ID: 16231614
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: Money was taken from your account on the wrong day or for the wrong amount
State: California
ZIP Code: 90038
Date Received: 2025-09-28T12:00:00-05:00
Date Sent to Company: 2025-09-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
" On XX/XX/XXXX, in the afternoon, I used my Chime debit card ending in XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX gas pump to purchase fuel at the location. When I inserted my debit card at Pump # 7, the payment system successfully authorized a pre-authorization hold of XXXX on my account. Immediately after the hold was placed, the pump malfunctioned and did not dispense any fuel. The transaction failed, and the pump screen did not show a final charge. Therefore, the actual amount due to the merchant was {$0.00}. Despite the transaction failing immediately and no product being received, Chime has failed to reverse the pre-authorization hold. The hold of {$61.00} is still locking up my funds, which is prevented me from eating or being able to go and get gas. I believe this is a violation of the spirit of Regulation E ( Electronic Fund Transfer Act ), which requires prompt and accurate settlement of electronic funds. The merchant provided me with an immediate {$0.00} reciept for the failed pump, which calls into question the delay in my bank clearing the corresponding hold. My funds should have been available immediately upon the non-delivery of service. I have taken the following steps to resolve this : On the same day, I contacted XXXX Customer Service. They confirmed that the charge was showing a total of XXXX since I did not get any gas. I then called Chime. I spent over 4 hours of my time speaking with different representatives. The representative all informed me that the pre-authorization is still pending but refused to release the funds, stating they must wait for the merchant to process the final transaction or for the standard 3-7 business days for the hold to expire. I am seeking a specific resolution to this issue : Immediate Reversal : I request that Chime immediately reverse and clear the {$61.00} pre-authorization hold on my debit card. Accountability : I request that the CFPB investigate Chime 's policy for clearing pre-authorization holds related to failed gas transactions to ensure customers ' funds are not being held hostage by merchant error and banking delay. My funds must be protected from unfair holding periods when the service was not delivered.
Frequently Asked Questions
What is Complaint #16231614 about?
Complaint #16231614 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 2025-09-28T12:00:00-05:00.
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.