Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #5975050
Complaint Overview
Complaint ID: 5975050
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Texas
ZIP Code: 78216
Date Received: 2022-09-12T12:00:00-05:00
Date Sent to Company: 2022-09-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2022 I was notified at XXXX of a {$500.00} charge with XXXX. I immediately reached out to chime to report unauthorized transaction. within three minutes following charge at XXXX I had phone contact with a chime representee. During this phone call at XXXX a second unauthorized charge of {$750.00} by XXXX XXXX XXXX Chime phone call lasted 41mins and during this time chime stated they could not do anything while a transaction was pending however they could file a dispute once transaction had been completed. Chime also assured me that they where contacting merchant on my behalf at this time. My debt card was cancelled and I transfer the majority of my funds into another account. On XX/XX/2022 at XXXX I contacted XXXX XXXX XXXX and was informed they had not been notified of unauthorized transaction and had no contact with chime bank. XXXX was also unable to to provide information. XX/XX/2022 at XXXX I filed chime dispute claim. Chime stated they would file both charges under one dispute claim and asked me to provided receipts of transactions. I continued to inform them I did not have receipts of charges I did not make. The only receipt I could provide was of a transaction made at XXXX show that I was instore and verify my location. 6 hours later at XXXX chime emailed to inform me of denied dispute. I then requested a copy of there supporting documents. Chime provide document. This document lists subjective, false and irrelevant statements without substantiating pertain information. This document also wrongly refers to me as a male.
Frequently Asked Questions
What is Complaint #5975050 about?
Complaint #5975050 was filed against Chime Financial INC regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2022-09-12T12:00:00-05:00.
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.