Checking or savings account -- Managing an account -- Complaint #5061835
Complaint Overview
Complaint ID: 5061835
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Pennsylvania
ZIP Code: 19121
Date Received: 2022-01-02T12:00:00-05:00
Date Sent to Company: 2022-01-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On Thursday, XX/XX/XXXX, I discovered several unauthorized transactions on my Chime debit card totaling in excess of {$2000.00}. I immediately locked my card and contacted Chime to report the unauthorized charges. Within hours I received notification that my claim had been denied and was informed that I could request a copy of the information that had been used to reach that decision. I initially submitted that request for information on Friday, XX/XX/XXXX, and was told that it could take up to 10 days for the request to be processed. In the intervening time and with no explanation, Chime closed ( and locked me out of ) my account. When I finally received the information I had requested, it was in the form of a link to a Chime webpage that I could not access because my account had been locked. I informed Chime support of the issue and requested that the information be sent in some other form, and after 10 more days I received the exact same email I had received before containing a weblink. This happened 2 more times ( culminating in a 2 hour long phone call with Chime support on XXXX XXXX ), and each time I received the same response. Chime will not allow me to appeal their decision without having any new information to provide them, but I dont have any new information to provide ( on the one hand ), nor do I have any understanding or insight into whatever information they used to reach their determination ( on the other ). I found it remarkable that Chime was able to reach that decision so quickly ( on XXXX, nonetheless ), until I did more research and learned that many other people have had a similar problem with Chime and that the problem seems to be more about the dollar amount of the claim than anything to do with its validity. As far as I can tell, Chime has essentially aided in the theft of {$2000.00} from me.
Frequently Asked Questions
What is Complaint #5061835 about?
Complaint #5061835 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-01-02T12:00:00-05:00.
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.