Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NM

Complaint narrative:
On XX/XX/XXXX I received a text message from XXXX about a transaction at XXXX XXXX in XXXX TX I replied no it was not me and then received a message stating that the transaction was blocked and a CSR would be calling me. The call came in from XXXX answered the phone call after verifying my account with name address and last 45 of SSN went over the transaction was advised it was blocked and that they would be reaching out again to remove all restrictions and set up a new account if needed after my direct deposit that would be hitting in a couple of days, My deposit was sent from my work place on XX/XX/year> and within the hour I was called from XXXX I was at the ER at the time and could not talk so they called back the next day XX/XX/year>. They advised me they were needing to create a new profile due to this account being compromised. I only ever verified information I never had to supply info. they knew the last 4 of my card numbers my balances in each account everything, there was nothing to make me think they were not Chime. They had me consolidate my funds in my checking account by having me move the amounts from my credit builder and savings into my checking account then they proceeded to request 2 transfers one for {$200.00} and one for {$190.00} I clicked on the request and completed them I was advised that the name on the request was the individuals supervisor working on the back end to move everything to the new profile. The request even came in stating for new account ending in # XXXX. I was then told that I would be getting an email with the link/information on how to access the new profile. When I had not received the email a couple of hours later I requested a call from Chime through the app. When speaking to rep I was informed that this was fraud as Chime never calls its customers. I gave the first rep all of the information like the phone numbers and the name of the supervisor then they transferred me to a dispute rep who lectured me for almost an hour and sent a password reset. He stated he was going to dispute the transactions when I had not received anything or could see anything about the dispute by the next morning I called back in to find out he did nothing this replaced the dispute and had me off the call withih 5 minutes I woke up the next day to find the dispute closed and denied as no fault with Chime systems. I requested a call again and was advised I would receive an email with what was used to determine the reason so I could know what I needed to do to open another dispute.The email never came I gave it a couple of days then called back in as I now had a police report they reopened the dispute and within a. few hours it was denied again, this is odd as I have another ongoing dispute with a vendor who never sent a product and Chime has been fighting with them for a month now to regain the funds but for fraud they close it within hours with a denial, I requested a call again and then requested a Supervisor and was advised by the Sup that Chime would just keep denying my claim because of my signed user agreement and the pay anyone feature. The only history I have with the pay anyone is to my son other than this fraudulent " supervisor '' transactions. Chime will not help to recoup any of my funds as I initiated the funds transfer by agreeing to the request.

Company response to consumer: Closed with explanation