Consumer complaint received 2025-03-14 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: MD

Complaint narrative:
On XX/XX/year> @ XXXX est. I received a text message from CHIME ALERT : stating that my account has been temporarily restricted and asking if I used my chime card for {$820.00} in XXXX GA on XX/XX/year>. I then responded no A XXXX  text then came through and said that a chime XXXX will reach out to me and secure my account immediately. I then received a call at XXXX from XXXX ( which is chime customer service number ). The agent stated that since I responded I didnt authorize the transaction, he had to close my account and open me a new one. I then went on my chime app account and noticed that my chime credit builder account was closed. The rep then said that he transferred all my money into my checking account. I also noticed that all my money was now in my checking account on my chime app because that was the only account open. The rep then said if you give me a couple of minutes I can open you a new account. However I was at work so I couldnt do it at the time, so I told the rep I would have to call back. And although it was confused as to how my credit builder account was closed, I was ok knowing that I could still see my money in my checking account. So I hung up on the rep because I had to hop on a meeting. As I was in my meeting the chime customer service number kept calling my phone multiple times. When I finally picked up, it was a different rep asking if she could help me open another account. Before she went any further I looked at my app again and all my money ( {$1100.00} ) that was transferred to my checking was now gone to leaving XXXX with a {$0.00} balance in my checking account. I told the rep that the money was gone out of my account andthe phone disconnected. When I looked at my transactions, it was a debit on XX/XX/year> @ XXXX of {$1100.00} transferred to XXXX-XXXX  XXXX XXXX XXXX XXXX another debit transaction on XX/XX/year> @ XXXX of {$1100.00} as a friend transfer. And then last transaction was on XX/XX/year> @ XXXX credited to my account in the amount of {$1100.00} which also say friend transfer. 

I then called the chime customer service number at XXXX and spoke with a rep and filed a dispute. Then rep informed me that I called on the morning of XX/XX/year> and close my account. I asked the rep how did they verify that it was me the rep told me nothing. The rep then gave me a dispute number and said the investigation could take up to XXXX days and if I was eligible for a credit, then they will credited back to my account no earlier than XX/XX/year>. On XX/XX/year> I received the text stating that my dispute was resolved and to check my email for information. When checking my email is stated that there was no error made so my dispute has been closed chime never gave me my money back. I then called chime back on XX/XX/year> to reopen my case as I did not authorize this person XXXX XXXX XXXX XXXX money out of my account.

Company response to consumer: Closed with monetary relief