Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #17919091
Complaint Overview
Complaint ID: 17919091
Company: Chime Financial INC
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Fraud or scam
State: Texas
ZIP Code: 76028
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Chime refused to properly investigate my dispute and denied my claim, asserting the transactions were authorized. Chime failed to acknowledge that fraudulently induced authorization is covered under Regulation E ( 12 CFR Part 1005 ), which protects consumers from electronic fund transfers resulting from fraud, even when the consumers information is used to authorize the transaction. I requested the denial reason code and formally asked Chime to reopen the dispute. Despite this, they refused to investigate further.
Frequently Asked Questions
What is Complaint #17919091 about?
Complaint #17919091 was filed against Chime Financial INC regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
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 (Money transfer, virtual currency, or money service) 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.