Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: DC

Complaint narrative:
I am writing to dispute 2 fraudulent charges on my account in the amount totaling {$1000.00}. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account.

Upon receiving mobile notifications of 2 unfamiliar transactions, totaling {$1000.00} listed as chime and emails from chime about an account that I never initiated, I immediately contacted chime support to inform them that these charges were unauthorized and that someone else was using my personal information. They confirmed that there was an account open under my name. I told them that the account was fraudulently opened and To immediately close the account. I was unaware of any account under my name and have never used chime so I requested that a claim be opened to dispute these unauthorized charges.

Later, key evidence emerged when someone emailed me, via XXXX to alert me that someone else was using my identity to pose as seller of a XXXX XXXX. Stranger asked seller for their ID. to confirm legitimacy of seller and rental. Seller gave him identical Image of my DL.My investigation confirmed that once my information was compromised it was easy for them to open a chime account using my stolen DL which allowed them to make transactions using linked payment methods. I've learned through complaints this is a common tactic used by scammers to easily move money through accounts due to limited guard rails in place on chime.Chime says charges are authorized. I have aggressively disputed transactions with several examples of key evidence get my dispute has been denied twice and they closed out my claim. I even wrote a very long letter including explaining a timeline of events, my investigation and rationale on why the evidence I provided shows strong signs of fraudulent activity. This is not only a case of fraudulent activity but also identity theft. But I know chime is notorious for this. I have placed a credit freeze with all three business bureaus. I also filed an identity report with the FTC but Im now {$1000.00} short and without it I wont be able to pay my rent next month.

( Please see attachments for more complete, detailed explanations ).

Timeline of Events : XX/XX/25 : Date of transactions. Lost wallet which contained my identification and all of my payment methods XX/XX/25 : Initial contact, Contacted Chime support via telephone and spoke with XXXX from Member Service Support, Filed Dispute # 1 with supporting documentation XX/XX/25 : Dispute # XXXX XXXX was denied. Received a determination stating no error occurred 1. Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed.

You may request a copy of the documents we used in determining the final outcome of the investigation. 
XXXX : Filed dispute # XXXX XXXX in which I included additional evidence. 
XX/XX/25 : Dispute # 2 was denied. Received a determination stating no error occurred 1. Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed.

You may request a copy of the documents we used in determining the final outcome of the investigation. 
XX/XX/25 : Notified Chime support that I plan on filing a rebuttal and they sent me a link to provide any supporting documentation for my rebuttal. 
XX/XX/25 : Submitted a formal rebuttal XXXX to chime w/ supporting documentation

Company response to consumer: Closed with explanation