Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, someone hacked my chime account and proceeded to make over XXXX transactions totaling almost {$3000.00}. I received an alert from XXXX asking if I authorized a particular charge I replied back No. they sent me an automated message saying that the transaction was not allowed and no money was removed from my account. Several hours later, I walk to my account being completely wiped out with the exception of about {$28.00} and some change the same transaction that I stated know that I did not authorize several more were made along with various others from XXXX  and multiple from XXXX. I attempted to locate the name on XXXX as well as contacting XXXX XXXX  the name does not exist therefore no trace of the transactions could be found and XXXX XXXX refused to speak with me saying that I needed to speak with Chime the other company XXXX did reply to my messages about the fraud charges, and they have been sent multiple screenshots showing where the account was hacked showing where there was a different name on the account with the phone number was changed and some of the transactions that were made were giving credit back to my account. However, the rest were denied several charges with Chime were disputed red disputed And have been denied. Theres a cash advance feature on Chime where a cash advance was taking. They approved that refund gave me the money back put it back towards the my pay feature then proceeded to put my account {$140.00} in the hole when I spoke with a supervisor on today XX/XX/year> he proceeded to talk over me, become very aggravated and advised that if I did not have any new information that the dispute would not be open, even though several of the other ones have been reopened before And proceeded to hang up on me and will not further listen to my call. I have provided police reports screenshots, emails screenshots of text messages showing where I did not authorize the initial charges and where the other charges proceeded to come out after the fact. Ive been in touch with Chimefor the last XXXX weeks. Almost {$600.00} of the almost {$3000.00} that was taken from my account has been returned and when I question Chime today as to how they gave me credit back for some of the charges on XXXX but deny the rest they just proceed to tell me were sorry that youre not happy with the outcome and proceeded to disconnect the call. I have posted about this initial incident on social media and have heard from multiple people that they have had money taken from Chime and has not been returned up with over over {$1000.00}. I also said to Chime that its very ironic how most of these charges happened in California Where their headquarters are and I felt like that. They were responsible for this because they proceeded to still let it happen after I initially said no to the first transaction. The police report that was filed was filed with the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, where I am an employee Better yet a sworn sheriff deputy where I get paid once a month I would like for this to be investigated because there is no reason that I should not be able to get my money back when my spending habits can be tracked via my account and the purchases that I have made in the same bills that I pay every month from my Chime account And there is nowhere on my account where I have sent multiple transactions to the same person for {$10.00} {$20.00}. This is ridiculous that they are trying to scam people and have scam people out of their money and I feel like that they should be FDIC insured and not just the banks that they go through.

Company response to consumer: Closed with explanation