Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX. my phone was stolen out of my car. The individual that stole my phone got into my chime account and made XXXX transactions. The total was {$980.00} that the individual withdrew out of my account. The person withdrew money to my XXXX XXXX then sent money to personal people that they knew using my XXXX XXXX account. I made a police report and I send it to chime. Chime approved XXXX disputes but the rest they denied. They took XXXX to XXXX days to come to the conclusion of denial. I told them I don't understand how in XXXX hours you investigated everything that I informed them about. They didn't give me an answer on that either. Therefore, they denied all my disputes and they didn't give me a reason and they closed the disputes and that was it. I called them starting XXXX XXXX XXXX on that day I called them XXXX times, on XX/XX/XXXX I called them XXXX times, on XX/XX/XXXX I called them XXXX times, on the XXXX XX/XX/XXXX I called them XXXX times, on XX/XX/XXXX I called them XXXX times and on XX/XX/XXXX I called them XXXX times. Every phone call took me XXXX hours to talk to them because they kept putting me on hold, sending me to another department, who would send me back to the same department I started and the phone calls never got nowhere. they didn't resolve the problem. in fact, during XXXX phone call the individual that stole my phone was taking out {$80.00} from my checking account, while I was talking to a chime representative. Chime informed me that my account was secure. Yet the individual was able to link her email to my Chime account, link her phone, her address to my chime account. which she therefore proceeded to link her information to my XXXX XXXX account. Chime financial company still found me guilty and denied all my disputes. Chime does not want to help me resolve this. all they want to do is in XXXX day deny me and that's how they want to settle things and they want me to pay back whatever money was overdrawn, spot me and pay now. Everything I had in the bank account and more the individual stoled from me. I let them know that I was going to complain to the XXXX  and to the cfpb about them mishandling my case. They are doing nothing. in fact they stopped and they closed everything. they did nothing to help me resolve this matter. In fact, they were at fault because they did not secure my account. they allowed somebody to go in my checking account and they didn't question them. 
they didn't verify their identity nothing. 
yet, every time I called I had to verify my identity. Also, I informed them that all these transactions took place XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the monies were taken off my account because they use the virtual card that chime has there, so everybody can see the card numbers, my account number, things that are supposed to be private. they don't have those cards locked. there's no security on them. so the person was able to use the virtual card the virtual debit card to remove monies This is chime financials fault. 
There should be a better secured way that our accounts are not so easy to get into, to break into Chime let them in on my account, nobody else. chime let them people in to take my money out it is Chimes fault. 
I don't understand. They refuse to investigate this matter so my money can be put back in my account. I gave them the name the address a picture of the person that stole my phone they refused to accept it. They said my account was secure yet they still allowed the individual to get into my account and try to take more money out of it. Chime financial is at fault for this whole matter this mess. The lack of security the lack of helping me the lack of investigation LED to the final answer on my disputes " denied ''

Company response to consumer: Closed with explanation