Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
Starting XX/XX/XXXX I was XXXX  in two different XXXX XXXX. Serving XXXX  at one & transferring to another when the two different agencies saw fit. I was released from XXXX  XX/XX/XXXX. While i was in XXXX  I was the victim of fraud & powerless to do anything about it. I had roughly XXXX or XXXX XXXX dollars in my Chime checking account, about XXXX or XXXX XXXX in my Chime savings account, and a few XXXX im my Chime credit builder account. Not a vast fortune, but money I had worked hard to make at my honest job! I had my Mom and sister take custody of my physical cards while I was in custody. There was no possible way on earth for me to make any charges myself, my mom and sister agreed to guard my property like it was their own, I know beyond doubt they're trustworthy & didn't perpetrate any theft or fraud against me! 

Sometime in XXXX some fraudulent charges started appearing on my checking account statement. Initially small & nondescript transactions to XXXX XXXX for random things in gaming. I've never spent a cent on " gaming '' as an adult & I certainly wouldn't at XXXX XXXX. The only subscription or recurring transaction I knowing authorized was a month {$1.00} for XXXXXXXX XXXX upgraded storage on my account. I've been doing that for years. Like anyone else, as I age I become more of a creature of habit. I buy the same stuff, at the same places around the same times of day. All it takes is a glace to spot my spending take an abrupt shutdown. Which correlates perfectly with the documents I provided to Chime to authenticate my stay in XXXX. Immediately after my XXXX  on XX/XX/XXXX I was completely unable to monitor, use, or defend my assets personally. Although my family had custody of the physical cards with my authorization they could use said cards for necessary purchases, rent, my XXXX, etc. Which is exactly what is done while I'm in XXXX. They ( mom or sis ) only used my ATM card withdrawing rent, and necessary stuff I've authorized on occasions not routinely. 

XXXX and XXXX pass with absolutely no activity consistent with my normal lifestyle. Suddenly in XXXX and more heavily in XX/XX/XXXX the fraudulent unauthorized transactions startup. Slowly at first for stupid things like power ups in mobile games on XXXX XXXX. Also other merchancts the pharmacies or retail stores, but for some reason mostly gaming related. While I was in XXXX  I felt good about the fact I could continue providing a place for my mom to live while finding a long term solution. I had plenty of funds to cover her needs until I got out as well as my needs. So imagine my surprise when my mom attempts to withdraw cash from an ATM for rent & gets denied for insufficient funds! I should've still had roughly XXXX or XXXX XXXX minimum in checking, plus the other accounts! Who disappeared $ XXXX against my will & how? My sister did all she could as far as getting a ball rolling for getting it back. She logged into my chime app & printed my statements for XXXX and XXXX. Also draining the XXXX in my savings, and few XXXX in credit builder. Better than letting it get stolen too because obviously Chime can't protect it. 

When my sister printed the statement we were shocked! It totaled 54 pages of transactions in XXXX & XXXX! Not all, but most transactions are for dumb power ups /purchases for games that sound very child like in description. Some random purchases as well, but some how some way someone spent thousands of my dollars on the most idiotic a frivolous stuff they could! Cell phone gaming! Literally thousands of transactions all hours of day and varying amounts. A lot of them ranging XXXX to about {$2.00} and everything in-between up to about XXXX or XXXX dollars on a few! Never I allowed that to happen! Chime should've caught & stopped the ridiculous situation immediately! Chime is totally asleep at the wheel! 

My mom can't pay the rent on time & I'm sure this was all shocking and stressful for her as it was me. She'd check my balance on the receipt monthly when withdrawing rent. No other cash was significantly taken out so why monitor an inactive account everyday? Logical thought process. That's why/how these thieves had free reign to chip away at my balance for over a month! Chimes utter failure at effective secure banking & me & my family 's ignorance to Chime 's incompetence! All in all Chime allowed well over a XXXX ( XXXX! ) unauthorized fraudulent transactions! Costing thousands of dollars when we ( my family and myself ) needed the most! The worst part was being powerless to do anything about it immediately. Also knowing Chimes tendency to dismiss legitimate disputes even if law enforcement is involved & supporting reports/documents are provided. I had several months before my release to stress & worry about the very possible scenario of Chime 's refusal to do the right thing. As well as the difficulty of suddenly being broke at the hand of some fraudster on top of the stress of being in XXXX  to begin with! Not a fun time. I prayed a lot. 

Upon my XXXX  on XX/XX/XXXX I immediately contacted Chime customer service. I filed multiple disputes & provided documents proving that I was XXXX  continuously from XX/XX/XXXX through XX/XX/XXXX. Even the statements I could print off were detailed enough to plainly see it wasn't me or mine responsible for the transactions, but personal experience with Chime is that they rarely do the right thing and will gladly allow obvious fraud to happen & then deny correcting even with police reports etc. currently I the largest dispute I filed is still active with over well over 30 days of " investigation ''. Totalling 888 transactions & well over {$3000.00} stolen! Chime has just now dismissed 2 smaller disputes filed the same time totalling over {$700.00} & {$1100.00}! Of course, they don't say why. They only say " we now consider this matter closed ''! This is utterly disgusting and unacceptable. The first time I dealt with this was a couple years ago. This situation was also with me being XXXX. I did not have custody of my phone or wallet for about a week. A friend had my property while I was waiting for a XXXX  XXXX. They abused my trust & while having my phone logged into various accounts : XXXXXXXX XXXX XXXX, Chime, etc. Basically setting the stage to rob me at will when they saw fit. Which they did shortly after my release from XXXX. I keep a close eye on notifications & balances. Something was off & I noticed immediately when the perpetrator tried to pay themselves with from my Chime account via XXXX XXXX to an account with their legal name! Thinking they could intercept notifications before I noticed, but cache data will give you a ghost notification on a device regardless if someone removes the notification from a separate device. I had screenshots to prove it, went to my local sheriff 's office, filed a police report, provided the report number/info to Chime when I filed the dispute. Should be an open & shut case of fraud with me handing them the identity & location of the perpetrator! Chime still dismissed the dispute saying everything looked fine to them and they consider the matter closed!!! This theft totaled about XXXX dollars. Add that in with my new total and it has to be around XXXX, XXXX, maybe even closer to XXXX! That Chime has allowed to be stolen from me & refusing to correct!!! I'm sorry to write so much about this situation, but it's all pertinent information & as true and accurate as humanly possible. Please help me. I'm not a bad person, no felony convictions or violent crimes on my record. I've been struggling with XXXX, but I'm doing better now. I'm a father and family man with a skilled trade that's in demand & I work hard. I make an honest living and help people whenever I can. The 1st theft with Chime I accepted as I trusted the wrong person, regardless of Chime 's verdict I accepted it. The most recent ones, however, are undeniably Chimes doing and should be theirs to correct! This is right! Please help. Thank you and God bless. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief