Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Company : Chime XXXX XXXX XXXX. 
Product : Money transfer, virtual currency, or money service Issue : Money was not available when promised Date : XX/XX/XXXX Amount : {$100.00} WHAT HAPPENED : On XX/XX/XXXX, I sent {$100.00} XXXX  phone number ( XXXX ) XXXX, currently owned by XXXX ( who does NOT have a Chime account ). Chime sent my money XXXX  " XXXX XXXX '' - a stranger who previously owned that phone number XXXX  still has it linked XXXX their Chime account. XXXX never received the payment. Chime refuses XXXX  refund. 

PROOF CHIME 'S SYSTEM IS BROKEN : When I send PAYMENT XXXX  ( XXXX ) XXXX Goes XXXX  XXXX XXXX XXXX wrong person ) When I send REQUEST XXXX  ( XXXX ) XXXX Text goes XXXX XXXX ( correct owner ) When XXXX clicks the request link, Chime asks him XXXX  provide an email, proving he never had a Chime account. The current phone owner never received my payment. 

CHIME 'S RUN-AROUND : I. " You can only send money XXXX  Chime members '' UNTRUE - Their app advertises " Not on Chime? No problem '' XXXX. I have successfully used " Pay Anyone '' feature XXXX TIMES XXXX  send XXXX  ( XXXX ) XXXX XXXX. That recipient has NO Chime account XXXX  should receive Chime links via text message XXXX. All XXXX previous payments worked correctly ; XXXX proves Chime markets this feature XXXX : Changing story about account status First call : " The account linked to ( XXXX ) XXXX is inactive '' XXXX. XXXX  call : " That's untrue, the account is active '' They contradict themselves XXXX  can't keep story straight XXXX. " Money went XXXX  correct recipient '' Resolution email claims : " Funds delivered XXXX  correct recipient '' UNTRUE - I sent the funds to PHONE NUMBER ( XXXX ) XXXX NOT to an email, NOT XXXX  an account name XXXX. I sent funds XXXX  the CURRENT OWNER of that phone number ( XXXX ) XXXX NEVER received the payment text message XXXX XXXX received it - someone I don't know THE " SOLUTION '' CHIME DEMANDS : Chime tells me : " Contact XXXX XXXX XXXX  ask them XXXX unlink the old phone number '' Problems with this : I don't know who XXXX XXXX is I have no way XXXX  contact them Why is it MY job XXXX  fix CHIME 'S system? 
Chime should unlink inactive phone numbers themselves Chime refuses XXXX  contact XXXX XXXX on my behalf CHIME ADMITTED THE PROBLEM THEN DENIED REFUND : Chime representatives admitted : " You sent XXXX  the correct phone number '' " The original receiver ( XXXX ) did not receive the money '' " You should be able XXXX  dispute this '' Then resolution email states : " Can not refund - delivered XXXX  correct recipient '' This is contradictory and fraudulent. 

CHIME 'S REFUSAL TO HELP : Representatives : Cycled me between " Disputes '' and " Member Services '' repeatedly Hung up on me Gave contradicting information on every call Denied dispute despite admitting recipient never got money Refused to unlink XXXX XXXX 's old phone number Told me XXXX  contact a stranger XXXX  fix their system error Blamed me for not " double checking '' when their app hides recipient information WHY THIS IS CHIME 'S FAULT : Their payment system uses OUTDATED phone number data Their request system uses CURRENT phone number data XXXX different databases that aren't synced They don't verify current phone ownership before routing payments They allow old account holders XXXX  receive money to numbers they don't own They don't display recipient names before sending No way for users to " double check '' hidden information They refuse to fix their own system error MY LEGITIMATE USAGE HISTORY : I am an established Chime user who uses " Pay Anyone '' successfully : XXXX successful payments XXXX  ( XXXX ) XXXX ( not on Chime ) XX/XX/XXXX : {$150.00}, XX/XX/XXXX : {$400.00}, XX/XX/XXXX : {$480.00}, XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$50.00}, XX/XX/XXXX : {$40.00}, XX/XX/XXXX : {$250.00}, XX/XX/XXXX : {$5.00}, XX/XX/XXXX : {$80.00} All went correctly XXXX  recipient via text message link This proves I know how XXXX  use the system CONSUMER HARM : This affects XXXX  of people. Phone numbers are constantly recycled. Chime 's broken system routes payments XXXX  wrong people, then blames customers XXXX  refuses refunds. 

EVIDENCE : Screenshots of XXXX successful " Pay Anyone '' transactions XXXX showing " Not on Chime? No problem '' advertising Screenshot of payment XXXX  ( XXXX ) XXXX Proof that requests XXXX  that number go XXXX  XXXX, not XXXX XXXX XXXX email denying refund

Company response to consumer: Closed with explanation