Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I received a text message from Chime stating that there was suspicious activity on my account. I then received a phone call from " chime security '' stating that there was fraudulent activity on my account and that it was going to be closed. They stated that I needed to open a new account and transfer my money there so I wouldn't lose my money. They had sent me an email during this process as well that looked legitimate from chime and they had me verify my savings account number. I moved all of my money to my saving account to prepare to transfer it, the guy told me it had to be from my checking account. So I moved all of my money ( {$3200.00} ) to my savings account and transferred it to my " new account. '' During the transfer they had me type in " XXXX XXXX XXXX. '' After the transaction was complete the call dropped. The guy from " chime '' did not return my call so I attempted to call them back. The phone number directed me to a automated message that said the XXXX  subscriber did not answer or something along those lines. I immediately realized I made a mistake. I looked up Chimes customer service number and called them right away. The lady I spoke to said that there would be no issue getting my money back right away because the transaction was still pending. The only thing she recommended I do was to file a police report. I immediately spoke to the police after getting off the phone with chime. A couple days later I received an email from chime saying my dispute was denied. I immediately requested the information on why my dispute was denied ( which I still have not gotten ) and refiled my dispute, which was denied a second time. On XXXX I called Chime at XXXX. I spoke to XXXX who was not helpful. He would not give me his last name or direct line information for my documentation. At XXXX he transferred me to XXXX. I asked to speak to a supervisor, XXXX told me that there was no one above him to speak to, but then said I could talk to his superior in 2 minutes. At XXXX I was transferred to XXXX in the dispute department. She was not a supervisor nor was she able to help me. She then transferred me at XXXX to the fraud department. I spoke to XXXX who was not a supervisor either. He also told me there was no one above him or a supervisor to talk to. He told me " bye bye '' while I was still talking and transferred the call at XXXX. I was then talking to XXXX in dispute support. He told me he was not a supervisor either and could not reopen the case without new information. He said he would transfer me to his dispute supervisor at XXXX. I then spoke to XXXX who stated she was a supervisor but said there was nothing else to do without more documents and said there was no one above her. She ended the call while I was still speaking at XXXX. I called Chime again on XX/XX/XXXX. They stated they could only reopen my case if I got a copy of the police report and giving them my case number was not enough. I called to get the police report from my local government and was told that I could not get a copy because its an open investigation.

Company response to consumer: Closed with explanation