Consumer complaint received 2026-04-16 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: MO

Complaint narrative:
I had lost my my phone for a little bit while I was at XXXX XXXX watching a fight I went to a hotel to hang out with friends and eat there and my phone had disappeared and then when we left the next day they had said that somebody had turned my phone into the front desk my phone has a 30-minute unlock on it so I don't know if that has been with my account was compromised or if it was because we had been applying for loans to start our business and me and my mother have and if that was when our account was compromised because we have been giving access to these supposed loan places for DCR loans and that could have been when our account was compromised but I do know that we had funds going into our account from a various transactions and mostly cash and I had left that account as it was because I had been using a whole different account for personal spending unless it was small transactions and I would use my chime card but then when I had went cuz my mom said that she had needed a lump sum of money and she asked me how much I had I told her well there should be some of the time and when I went to the time to check it it was only a couple {$100.00} so I didn't have it to send to her that's when I realized that all that money had disappeared and then that day that I realized that this guy XXXX XXXX had took in {$400.00} and that's when I was like oh I can't do this no more these people are just stealing money from me it was XXXX XXXX and a XXXX XXXX so that's why I couldn't do this anymore I can't live like this allowing the system to beat me like this I had filed a dispute because there was seven transactions done totaling XXXX and I was devastated by great grandmother had been XXXX on XXXX during the course of this last month and I had not been able to pay attention to anything other than the fact that you know I had to take care of her and her XXXX and her not being able to eat her last couple of weeks and having to give her XXXX every two hours and having to look after my bank account in the fraudulent activities was just too much for me to have to cope with as well and for trying to be like oh we're not giving you back your money you sent it to a friend while I didn't send it and that just is like what's the point of having insurance on an account if you can't utilize it what's the point of filing please reports and telling them hey it wasn't me and knowing that it wasn't you and telling that this is the facts of what happened if they're not going to to do their due diligence and you know I just don't know who did it I don't know if it was somebody close to me that had done it I just know that my account was fraudulated since then I had taken that proper precautions and updated my passwords I had also even gotten a new phone so I think my phone is more secure I do believe that somebody out there has my information and I don't think that it's a fair that I should have to be stuck missing out with XXXX dollars. I also filed an identity theft report with the government as well I don't think that chime has been very fair in the findings of any of this

Company response to consumer: Closed with explanation