Checking or savings account -- Managing an account -- Complaint #5668393
Complaint Overview
Complaint ID: 5668393
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: Michigan
ZIP Code: 49009
Date Received: 2022-06-14T12:00:00-05:00
Date Sent to Company: 2022-06-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a text notification that my chime card was overdrawn on Wednesday XX/XX/XXXX. I knew this was incorrect because i was at an appointment and did not use my card. 5 fraudulent transactions were made at a gas station in a totally different state then what i live in. They were made at a XXXX XXXX XXXX XXXX station in XXXX New York, which i have never been. the transaction amounts are {$47.00}, {$100.00}, {$4.00}, {$100.00}, {$33.00}. The first fraudulent transaction of {$47.00} was made in XXXX NY the same time i was at a gas station near my home in XXXX MI that Wednesday at XXXX. i called chime to notify them of the transaction i did not authorize and they helped me file a dispute when they posted on XX/XX/XXXX. Not even 24 hours after i filled the dispute they denied it. I asked 3 times for a written reasoning why this would be denied since it is clearly fraud. to this day on XX/XX/XXXX i still have not yet received any information. I just called again today and no one was able to provide me explanation. I spoke with a supervisor and his suggestion was to call the merchant in a different state.
Frequently Asked Questions
What is Complaint #5668393 about?
Complaint #5668393 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-06-14T12:00:00-05:00.
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.