Checking or savings account -- Managing an account -- Complaint #6247080
Complaint Overview
Complaint ID: 6247080
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: Arizona
ZIP Code: 85044
Date Received: 2022-11-26T12:00:00-05:00
Date Sent to Company: 2022-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
A merchant charged my chime account XXXX times without my authorization. I disputed the transactions with chime and explained to them that these charges were unauthorized. I explained to them that section XXXX of regulation E states that I have XXXX liability for unauthorized charges. I sent them a copy of their own policy that states the same thing.I also explained to them that by then denying my disputes they are by default, accusing me of fraud by saying I am lying and not approving these disputes. I have filed this dispute 6 times. Their denial says no error occurred. Which would mean that I am lying. I am am not lying and their written excuses make no sense. Like a deposit was made prior to transactions taking place. Im pretty sure any transaction with a debit card require a deposit prior at some point in order for the transaction to take place. And many more just as stupid responses.there are XXXX transactions totaling {$100.00}. The same merchant charged multiple accounts of mine at the same time with other institutions and every single transaction was disputed and approved by all of them. Except for chime. They are clearly ignoring the laws and regulations of the United States. My guess is they are still collecting the money from the FDIC insurance that covers these transactions while denying the customers. They are the ones committing fraud Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2022 Claim Total : {$100.00}
Frequently Asked Questions
What is Complaint #6247080 about?
Complaint #6247080 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-11-26T12:00:00-05:00.
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.