Checking or savings account -- Managing an account -- Complaint #18002919
Complaint Overview
Complaint ID: 18002919
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Georgia
ZIP Code: 31707
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I went to get my oil changed. When it was time to pay, my Chime card declined. I asked the cashier to run it again, and it declined a second time. Confused, I opened my Chime app and saw that my money had been taken from my account without my permission. I immediately called Chime to report the unauthorized transactions. I am filing a complaint regarding Chime 's denial of my unauthorized transaction claim totaling {$2100.00}. These funds were taken through Pay Anyone transfers that I did NOT authorize or initiate. I have been a Chime customer for over XXXX years and have never used the Pay Anyone feature at any time. Chime has denied my dispute XXXX times while stating that no error occurred and falsely claiming that I personally initiated these transfers. This is not true. I filed a police report, and law enforcement confirmed the transactions were unauthorized. Chime refuses to provide evidence to support their claim that I authorized the transfers. They have not provided : IP address Device ID Location data Receiving account information Transaction metadata Chime also told me they do not know where my money was transferred, which is false, as all financial institutions are required to know the receiving account and routing information for every transfer. Regulation E violations : Failure to conduct a reasonable investigation Refusal to provide transaction evidence Repeated denial without justification Requiring new information that I can not provide because I do not know the criminal, which is not required under Regulation E Failure to honor the police report Failure to provide provisional credit despite financial hardship Because of Chimes refusal to return my stolen funds, I am now facing financial hardship, and my bills are behind. I am requesting CFPB intervention to require Chime to comply with Regulation E and refund the {$2100.00} stolen from my account.
Frequently Asked Questions
What is Complaint #18002919 about?
Complaint #18002919 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
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.