Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year> at XXXX XXXX I received an email that someone logged in my account anytime theres a login from a different device. I get kicked out from my own phone so I had to log back in my account once I logged back in I seen something about a transaction. Someone moved {$860.00} from my savings account into my checking account and from there they sent {$790.00} to an unknown XXXX XXXX. and from there they sent {$790.00} to an unknown XXXX XXXX named XXXX XXXX. I instantly called Chime to see what was this about and how did this happen if I received a email sent to my email about a alert directly from chime, letting me know that someone logged into my account, but Im still allowed them to off of a device that I do not own in in a location that Ive never been in. Once I informed him about this, they asked me if I wan na make a dispute. I say yes I needed my money back into my account in my account to be correctly secured for this then I happen again. They informed me that they could not start a dispute because the transaction was not fully through. It was still pending, so I asked them. Could they stop the transaction from fully going through and reverse the funds they kept being around the bus, basically trying to tell me no that they could not stop the transaction, but they suggested that if I replace the car that they use a transaction with that, it should automatically stop the transaction so I did as they told me replace the card that they used the transaction for, but it did not stop the transaction it fully went through so once it went through, I called back and told them I would like to start a dispute. They started the dispute. Told me if I had any documents. Any information prove evidence to upload for them that I can provide that so I did that and then they informed me that I could receive temporary credit funds to my account while they still investigate, but by XX/XX/XXXX to receive those funds so it has only been three days and after that conversation was finished here comes the next day I use a couple dollars to order my baby some milk maybe like 30 minutes later I dont know how but the same person with the same XXXX XXXX ended up logging back into my account again and taking the rest of my money which was {$43.00} first they took {$41.00} and then they took two dollars and this was all after that I had changed my password changed. My email turned on my XXXX as well as removed all unknown devices that was logged into my account so I didnt understand how they were still able to login and I didnt receive no code to my phone number for a second authentication to be able to login my account so I informed chime and they suggested me to get all new cards so thats what I did and then they come to find out that the first dispute that Ive made XXXX the {$790.00} the person that stole my money he had canceled that dispute so I had to reopen that dispute and this was yesterday as of XX/XX/year> so while youre talking to time still I kept asking them repeatedly several times over and over to transfer me to the fraud security team to speak with them in that basic support they kept trying to be around the bush and basically not transfer me over first they told me that they dont have no security team then they told me that there was no one available for me to speak to because they dont speak to no one they dont make calls. They dont answer calls. They just investigate and then when I kept pushing the issue to talk to a security team, thats when they finally so-called wan na transfer me over so Im not 100 % sure if I was talking to security team or not, but someone that I was speaking who told me that was for our security team but as I was talking to for our security team, they ended up transferring me over back to the dispute department without letting me know that they were transferring me to that department so Im thinking that theyre gon na investigate more and push the issue word because I needed my temporary funds credit to be expedited because it was causing me hardship to provide basic needs for me and my one year-old child so anyways, I specifically let them know that I was filing a police report. I was going down to the district getting a report done, and that I will be uploading that as more documents to provide for them with my dispute case they said OK that will help but it will still take time so I got off the phone with them I went to the district. I got the packet that the police want me to fill out to file the complaint and the fraud and as I got back home to call time, I went and looked at my time app and seen that my dispute was denied for the {$790.00} and it was only three days so to me my case was not handled the way it was supposed to be handled when I informed them that this was fraudulent activity for it to be only three days and you deny me in three days was impossible to be denied, and I gave several different documents of proof that my information was correct and the claim that I was making was not a lie so I called him immediately after seeing that and ask them why was I denied when I gave enough proof of evidence in documents that they asked for and that this has never happened to me before in the fact that it happened more than once several repeated times with the same person that they allowed to happen after I even secured my account with them so I called XXXX back immediately and asked them. Why was I denied? How was that possible? This has never happened to me before and they usually dont get or receive no disputes for me because I dont never need to make a dispute of anything and for me bringing them all of this information proof documents, etc. I should not be denied of my funds that was stolen from me if this was far of my activity as I kept coming up so they proceeded to keep telling me that they can not give me no information they dont have any information and that I will be receiving a email to my email within 10 business days of my results of why I was denied so I informed them that I was not taking denial as an option I also informed them that I had my file packet from the police department that Ive filed and filled out for the police to investigate my case as well, so thats when they wanted to reopen my dispute and asked me to upload those documents. I specifically told them that in this file is the same exact information that Ive been gave time. Its just a police report police take an accident for it as well so they said OK and asking me if I needed any more help I told them that no you guys are not being as helpful as you should be in my situation so there is no further questions. There is no further help that you can give me in the last person I was talking to that. I told This to ended up getting rude with me it told me OK. Well, you will be receiving a email. Just check your email as if the email that they told me about my results for my denial that they were going to send right away all of a sudden now that I said that, but they just told me that it was supposed to be sent within 10 business days. so now I am sitting here waiting for the temporary credit funds that they told me I could receive by XX/XX/XXXX as of now and for updates of my dispute chime also had all of our calls/conversations recorded.

Company response to consumer: Closed with explanation