Credit card -- Problem with a purchase shown on your statement -- Complaint #18111848
Complaint Overview
Complaint ID: 18111848
Company: Chime Financial INC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Florida
ZIP Code: 33441
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am disputing an unauthorized transaction/missing over $ XXXX from my Chime account. I reported this issue on XX/XX/XXXX. Since then, Chime has labeled my case as investigating, but I have not received any updates or a provisional credit. According to the CFPB : Banks must investigate claims of unauthorized transactions within XXXX business days ( or XXXX if the account is very new ). If the investigation takes longer, they are required to provisionally credit the account while the investigation continues. Banks must notify the customer of investigation results within XXXX business days of a decision. My case has now been under investigation for over XXXX business days, and Chime continues to give no updates beyond waiting for the merchant. This lack of communication and delay is unacceptable and not in compliance with CFPB regulations. I am requesting : XXXX. Immediate provisional credit for the disputed amount. XXXX. A clear timeline for resolution. XXXX. Explanation for the delay and lack of updates. Please investigate this matter and ensure Chime complies with federal regulations regarding unauthorized transactions and customer notifications. Account XXXX : Name : XXXX XXXX Account XXXX : XXXX
Frequently Asked Questions
What is Complaint #18111848 about?
Complaint #18111848 was filed against Chime Financial INC regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
How did Chime Financial INC respond to this complaint?
The company responded with: "Closed with monetary relief". 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 (Credit card) 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.