Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I started to receive notifications and phone calls for certain accounts being attempted to gain access to email, banks, etc. I then received a notification from chime that my phone number had been changed ( I did not change my phone number or authorize any admittance to my account for this to happen ). I have saved logs that show the hacker was aggressively attempting to access several of my accounts.Shortly following this, by the time I could access my account quickly to change passwords and take protective actions, a slew of transactions had occurred within minutes of one another. If you see my attached documents, I am perplexed at how this doesn't scream 'fraud '. There was a small deposit into my account ( likely to test the movement of funds ), followed by two small withdrawals ( {$4.00} + {$1.00} ), a transfer from Chime Savings to Chime Checking, two transfers into Chime from my linked checking account from another bank, and lastly a large withdrawal of {$1300.00}. I recall this was bank holiday and panicked because I knew I would unlikely get anyone on the phone, and I was also told either on XX/XX/XXXX or XX/XX/XXXX that I needed to wait until the transactions cleared until I could file a dispute.

I reported the fraud to Chime immediately after discovering the unauthorized transactions. I requested a new card immediately ( which I still have not received - email attached ). I provided screenshots, logs, evidence of the unauthorized phone-number change, and a police report documenting the identity theft and account takeover.

I even filed a dispute for the deposits INTO my account, but that wasn't taken very seriously and was denied within a day. I wanted Chime to see that these transactions were related, but I was not Despite all this, Chime denied my dispute three times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) without adequately explaining their investigation or reasoning. After the first dispute was declined on XX/XX/XXXX I filed a police report with my local State Police Department ( attached ). The transactions are very obviously fraudulent based on the timing, pattern, and the fact that an unknown third party gained access to my account.

Why I believe Chime is wrong I did not authorize these transactions.

My account was compromised by an unauthorized party.

The phone number on my account was changed by the hacker, which is clear evidence of account takeover.

I reported the fraud immediately.

The transactions do not match my spending history.

I have screenshots, logs of suspicious activity, and a police report proving the fraud.

Chime refused to provide a meaningful explanation of how they concluded the transactions were authorized.

Under Regulation E and the Electronic Fund Transfer Act ( EFTA ), I should be protected from unauthorized electronic transfers once reported promptly Chime is not following these obligations.

Chimes refusal to refund the fraudulent transfers has caused me financial harm and severe stress. I lost {$1300.00} ( or more ) due to a clear case of identity theft and account takeover, and Chime has denied my dispute repeatedly despite substantial evidence.

I am attaching the police report, screenshots, phone-number change evidence, spam call/text logs, and screenshots of Chimes denials.

Company response to consumer: Closed with explanation