Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
XX/XX/XXXX, {$3700.00} was stolen from my Chime account. XXXX unauthorized transactions took place all within XXXX minutes making my balance {$0.00}. This included internal transfers from my savings and XXXX XXXX accounts into my checking, as well as fraudulent " Pay Anyone '' transfers to individuals named XXXX XXXX ( $ XXXX ), XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX ( $ XXXX ) Also a failed attempt to acquire money by XXXX XXXX the same day. I wasn't aware of the unauthorized transactions ' until it was too late. @ XXXX ; XXXX XXXX  is when I discovered that my account had been compromised and taken over. I had been locked out of my account unable to long in using my fingerprint. I log in through the chime mobile app I have installed on my mobile device a Moto G Stylus ( XXXX ) using biometrics is how I log in and it t unlocks my app no password needed just a scan of my finger. Biometrics had been XXXX, password reset making my Chime account unaccessible until I contacted Chime member services. I couldn't access my account with my passkey either .. My account was scheduled for closure set for XX/XX/XXXX, A new card had been ordered without my knowledge or consent. Chime was aware of XXXX new logins from unrecognized devices at XXXX an XXXX XXXX XXXX XXXX XXXX. At XXXX an XXXX XXXX XXXX was logged in on my account the same time the fraudulent activity initiated. Chime failed to stop the unauthorized transactions that began to take place at XXXX. The First being an unauthorized transfer of {$3700.00} from savings to my checking account. By glancing at the transactions you can see something was out the ordinary. For Example at XXXX PM on XXXX XXXX XXXX unauthorized transactions began with transfer to that account of {$10.00} then at XXXX {$40.00} was transferred 6 times in XXXX minute totaling {$240.00}, then onward repeating the same pattern of transfers then stopping when it reached {$2100.00}, similar patterns with XXXX XXXX and XXXX XXXX XXXX. The XXXX XXXX XXXX logged in at XXXX PM EST approximate location was XXXX, SC. The XXXX XXXX XXXX XXXX logged in at XXXX XXXX  EST near XXXX, SC. I was at my place of residence located in XXXX XXXX, SC for the most part of the day. I traveled to a gas station located in XXXX, SC at XXXX XXXX  and arrived back home at XXXX XXXX  when I immediately called Chime Member Services. I couldn't access my account with my fingerprint or my password. I did not have my device on my person all afternoon most the evening due to being occupied by yard work that had my undivided attention all afternoon. Only when Chime XXXX Services secured my account was I able to log in and see the financial damage that took place earlier without my knowledge, consent, or authorization. 
The unauthorized activity : XX/XX/XXXX Time of transfers : According to Chime 's app, Pay Anyone Transfers states the transfers occurred between XXXX XXXX.to XXXX PM although discrepancies appear on different app pages. When looking at " You Paid '' columnized list it states XXXX XXXX. to XXXX XXXX. regarding the unauthorized transactions to " Pay Anyone Recipients '. All XXXX transactions were completed within approximately XXXX minutes. 
Internal transfers : {$3700.00} was moved from my savings to my checking on XXXX separate transfers at XXXX separate times. The first at XXXX XXXX  when the unauthorized transfer of {$3700.00} from my savings account to checking occurred. The other unauthorized transfer of {$0.00} was transferred at XXXX XXXX  from savings to checking. My security deposit of {$50.00} was transferred from my XXXX XXXX to my checking at XXXX XXXX  without authorization as well. 
" Pay Anyone '' recipients : XXXX XXXX : {$2100.00} transferred via XXXX unauthorized transactions. 
XXXX XXXX : {$970.00} transferred via XXXX unauthorized transactions. 
XXXX XXXX : {$760.00} transferred via XXXX unauthorized transactions. 
A failed unauthorized attempt to acquire funds by XXXX XXXX occurred as well on XX/XX/XXXX. 
Description of charges : The fraudulent transactions were disguised as merchant purchases ' but categorized as " friend transfers '' and were inexplicably associated with a " fire emoji '' symbol pertaining to what the transfer was for. For : The recipients were not friends ' or in my contacts, and no related products or services were purchased. 
Chime 's response and investigation : Initial report : I contacted Chime member services around XXXX XXXX on XX/XX/XXXX, after discovering my account was locked. I reported the unauthorized activity got them to stop my account closure set for XX/XX/XXXX and made them aware yet again of a new, unauthorized login from an unrecognized device an XXXX XXXX XXXX XXXX located near XXXX, SC, as well as an XXXX XXXX XXXX was logged in near XXXX SC. I immediately removed both unrecognized devices from my account at XXXX a notification was sent through email specifying the removal. .My account was secured after calling.The first 2 times call was dropped after securing account with id, and selfie I submitted while on phone with chime. XXXX XXXX  I received an email stating I had informed them of unrecognized activity with my account along with advice and links to further protect my account and personal info. After the long wait then call dropped second time, I had to call back got connected to Dispute Services. My disputes over the XXXX unauthorized pay anyone transactions was finalized and escalated at XXXX XXXX  XX/XX/XXXX. After call ended I then secured my account again using the link in the email I was sent by Chime. 
First denial : The claim was denied at XXXX AM. on XX/XX/XXXX, stating " no errors occurred. '' That my case was closed. I would not receive any money back, .If I needed more information on their denial to contact them. 
Reopening the case : The dispute was reopened on XX/XX/XXXX, after I reached out again and asked for someone to revalute my case due to the short time frame that the investigation took place then denied as well as I did not authorize any transactions on XX/XX/XXXX. I submitted evidence including screenshots of the unauthorized XXXX and mobile safari login. I submitted my XXXX Timeline location data confirming I was not in XXXX, SC, at the time of the fraud. Also screenshot of the fraud alert and freeze on my Transunion account. 
Second denial : The claim was denied again on XX/XX/XXXX, at XXXX XXXX  Transaction discrepancy : Upon further review, I realized there were XXXX unauthorized transactions, not the XXXX reported by Chime. I also attempted to contact the so called " Merchants '' as the Chime Denial email had suggested, but after making requests ' to each recipient for the amount they fraudulently acquired, when I hit request it said " Unable to Process '' '' XXXX XXXX ( $ XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( $ XXXX ) is not currently exchanging money or boosts with your account. '' I tried to recover my money XXXX seperate times by requesting my money that they received without my authorization just to receive the same outcome " unable to process '' message. I have screenshots of the requests to coincide my findings. I have placed fraud alerts on XXXX credit reporting agencies '' as well as a freeze on my XXXX  account until further notice being I am a victim of fraud that has left me penniless,

Company response to consumer: Closed with monetary relief