Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
On Friday, XX/XX/year> I received a text stating my card had fraud charges and asked if I had spent money on XXXXXXXX XXXX XXXX Invader for XXXX XXXXXXXX XXXX. I said no and canceled my card immediately. Requested a new card that same day. I never received said card that I had requested. One of the {$0.00} charges went through. Then on Wednesday, XXXXXXXX XXXX XXXX I received another text message stating someone was trying to spend XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX I immediately denied the charges and requested a call from the bank in the app. I got a call from the bank. It prompted me to press a certain key if I had requested a call from the bank. I did that. Then it asked if I was calling about fraud charges, I said yes and asked to speak to someone in that department. I was immediately connected with someone in the fraud department. That person informed me that my account had been compromised. They knew how much money was in my savings account. They knew the last four of my social. They knew how much money was in my checking account. They knew my account number. They knew everything. They also said they saw that I had requested a new card and that they thought someone else had found it in the mail and was trying to use it. I needed to order a new card again and they confirmed the address I had on file. I didn't give them any information they were the ones telling me the information that they had on their end. I had no reason to believe I was not speaking with a representative at the bank. I was told I needed to put my money in a safe account until they could get my " new '' account set up with Chime since my other was compromised and hacked by someone. I moved all my money from that account so that it would be " safe. '' I had never had this happen before so I had no idea that it wasn't normal protocol for a compromised account. All the money was then transferred from my cashapp account to cards again that were not mine. I filed a dispute with the CHIME BANK and with CASHAPP. They both stated no fraud had taken place. Then on Thursday, XX/XX/year> those thieves came back and stole my check that was deposited in my account on Wednesday evening. It was a total of {$7400.00} transferred and stolen. I again placed another dispute with both the cashapp and chime bank with the pictures of the texts that I received stating that someone was trying to spend money out of my account. I wrote a letter explaining what happened and why this is XXXX. They immediately denied my disputes each time. Stating no fraud had taken place and left me with no money. Then on XX/XX/year> someone took out a loan from Chime in my name. I have refused to pay it that money was then transferred via XXXX to some card that attached to that account that wasn't mine. Someone had hacked my bank account and had access to both my XXXX XXXX XXXXXXXX. After all those disputes were denied, I closed both XXXX XXXX XXXXXXXX because I was afraid everything was compromised. I then received texts again this year stating that my account was receiving fraud charges and there wasn't a dime in the account.

Company response to consumer: Closed with explanation