Debt collection -- Written notification about debt -- Complaint #18668114
Complaint Overview
Complaint ID: 18668114
Company: Chime Financial INC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Alabama
ZIP Code: 352XX
Date Received: 2025-11-18T12:00:00-05:00
Date Sent to Company: 2026-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My Chime account ( XXXX ) was closed without warning on XX/XX/year>. I had a balance of {$5700.00}. Chime told me I was not eligible for a refund and provided no reason why my money was taken. I did not authorize any fraudulent transactions, and I did not violate their terms. I repeatedly contacted Chime through email and phone, but they refused to tell me : Why my account was closed Why I am not eligible for reimbursement Where my {$5700.00} went This appears to violate Regulation E, which requires : A written explanation of the investigation Access to account records A refund for unauthorized transactions I am requesting a full investigation and the return of my {$5700.00}.
Frequently Asked Questions
What is Complaint #18668114 about?
Complaint #18668114 was filed against Chime Financial INC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-18T12:00:00-05:00.
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 (Debt collection) 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.