Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XXXX XXXX, XXXX - XXXX I was scammed and robbed. After the incident had occurred. I was informed by customer representatives that I would receive my money back because of this fraudulent and scam act, but chime kept denying my claim. I have given all the information from the scam and even screenshots to prove that I had been robbed and they still denied my claim after every representative that I have spoke to have assured to me that they were going to help me by reimbursing my funds back. 

The amount was {$820.00} and the other transfer was for {$1300.00} Here is what was sent to Chime in my dispute I can send screenshots of the scam method and messages via email if needed : This entire month I kept receiving fraudulent attempts via text messages regarding my account. 

I became paranoid when I had kept seeming these messages pop up and then it was the same XXXX for XXXX at XXXX. 
When I replied to the text message no saying I didnt make this attempt The texts messages said chime and thats who I believed I was talking to in the texts messages said someone would be calling me as it states in the text. 

They called me and had me confirm my account through phone number, and last four of my social security and told me they where from fraud prevention team at chime Gave me his number ID and name ( chime asked for the same information ) They told me that my account had been hacked and that someone from Idaho was trying to use my card ending in XXXX I asked them how can someone get into my account with my card They told me it was XXXX from XXXX  that is in my account trying take money out of my account He said that it is possible if I have been using my card at different atms, gas stations and off brand stores The caller then told me that they would have to back my funds by sending it to a account to back it by the FDIC, I asked why if my money should already be backed by them, then they told me since the hacker is already Im your account this is the safest way to do it so he said they were sending me a verification code to verify its my account again and to tell them the information provided I told them the XXXX verification and then they said they have generated an account code for fund verification They then said that I had to send the money to this account and that they were going to send it back once the money had been insured and cleared I even received a chime survey as he was ending this call He told me that the guy was from XXXX and that his name was XXXX XXXX and if I wanted to press charging on him they were going to send that information via email. 

Lastly he told me to log out of my account and wait one hour for my funds to come back into my account. 


I waited and waited and I seen no funds come back then I checked for the information of the guy that they said stole from me but it was not there and then I called the number and no one answered. 


I really need my fund to be reversed back to my account I have two children and that money was all I had, its XXXX breaking to know that I was scammed and that this wasnt chime. I feel so naive and tricked because of all of the texts I was getting about someone trying to take money out of my account. I felt like I was protecting myself but instead I was being robbed. Who would have known that I should be watching out for someone to act like my bank and How would someone know my account information and that I had funds in my account if they wasnt already in my account? Thats why I continued to believe. Like why would they target me and how did they know my name and information its devastating to me because that was all I had and now its all gone. Please send my funds back. I truly believe that my chime account had been hacked for them to gain information to know to target me just as they had been sending me text messages.

Company response to consumer: Closed with explanation