Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: KS

Complaint narrative:
request for a refund Urgent Request : Fraudulent Activity and Account Closure - Case ID/Date of Incident To : Customer Finance Department Regarding : Fraudulent transaction and unauthorized account closure Date of Incident : XX/XX/XXXX Time of Incident : Approximately XXXXXXXX XXXX Amount of Fraudulent Transfer : {$940.00} Incident Summary and Chronology On XX/XX/XXXX at approximately XXXXXXXX XXXX XXXXXXXX, I was targeted by a sophisticated scam that resulted in a fraudulent transfer of {$940.00} and the subsequent closure of my entire account. 
* Initial Contact : I received a call, which I now understand was an instance of spoofing, as the caller ID displayed the financial institution 's legitimate number. The caller stated they were from the security/fraud team and had detected multiple attempts to hack my account and log in using an XXXX ( which I confirmed I do not own ). 
* The Scam : They informed me that, due to the security risk, I needed to transfer my existing funds to a " new, secure account '' they were setting up for me. They provided me with a new routing and account number and also sent me an email confirming the issuance of new banking, credit, and debit cards. 
* The Disconnect : After the transfer was complete, the representative told me to " hold on '' while they connected with their " higher team '' to ensure the funds had successfully reached the new account. 
* Realization of Fraud : I remained on hold for approximately ten minutes. My phone screen dimmed, and when I turned it back on, the call had been disconnected. I immediately called the number back, but the message stated the number was " temporarily not in service. '' * Confirmation of Scam : I then called the official customer service line and explained the situation. The legitimate representative informed me that the company does not conduct transfers or set up new accounts in this manner, confirming that I had been scammed. 
Unauthorized Actions Upon checking, I discovered that the scammers had not only transferred my funds but had also : * Closed my entire account. 
* Closed my XXXX XXXX side. 
* A message was left stating that I had verbally requested the closure of all services. 
I strongly contest this claim. I never requested the closure of my account or my XXXX XXXX. This claim is completely false. Any record stating I requested this must be considered fraudulent, as there will be no verbal documentation on a recorded line or email documentation coming from me authorizing this. The XXXX XXXX side was a vital tool I used exclusively to improve my credit. Why would I willfully close out a functioning account and transfer all my money to an unknown party? 
Financial Impact and Request The unauthorized transaction of {$940.00} represents all the funds I had in my account. As a XXXX individual, this loss has caused immediate and severe financial hardship : * I had just purchased groceries less than an hour before the incident. I now have an urgent need to purchase more food. 
* I now face late charges on several bills that were scheduled to be paid with the stolen funds. 
* Other essential services are at risk of being disconnected.

I have approximately 20 screenshots documenting the call logs, the fraudulent email with the " new account '' information, and other relevant details, which I can provide immediately. 
I formally request a full refund of the {$940.00} that was fraudulently taken from my account and a full investigation into the unauthorized closure of my account and XXXX XXXX service. 
Please let me know the required steps and documentation needed to expedite the reversal of this fraudulent charge. 
I WILL BE GETTING A POLICE REPORT I DIDN'T NO YOU HAD TO GET ONE UNTIL CHIME TOLD ME AFTER THEY DENIED MY REFUND BECAUSE NORMALLY IF MY ACCOUNT IS COMPROMISED FROM ANY OF MY OTHER BANKING ACCOUNTS I DON'T NEED A POLICE REPORT I GET MY MONEY BACK WITHOUT NO HAGGLING OR NO PROBLEMS BEFORE WE GET OFF THE PHONE I HAVE MY MONEY BACK BUT WITH CHIME IT SEEMS LIKE YOU HAVE TO GO THROUGH A WHOLE LOT OF SITUATION 'S WHICH IS BEYOND HORRIBLE

Company response to consumer: Closed with explanation