US consumer watchdog fines Chime $3.25 million for delaying refunds - CNA
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1 billion in gross profits says meh
If the fine is less than they earned stole, it's just a tax on a legitimate practice.
According to the article, customers who had refunds of $10 or more that got delayed received payouts of at least $150 in addition to the fine so it seems like at least this time the customers were made whole.
Well there ya go. Once in a while the system works.