Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX, I received an automated text notifying me of a large transaction that was attempting to process through my Chime bank account to the tune of {$360.00} at XXXX XXXX It was identical to the automated messages I'd received weeks prior alerting me to charges from a foreign website that resulted in me replacing both digital and physical cards. So I responded " No '' just as I had previously, and went about my day tending to my XXXX XXXX XXXX who was horribly sick with a XXXX XXXX At XXXX I received a call from XXXX ( XXXX ) XXXX, Chimes customer service number. At this point I assumed that whatever was going on with my account was bad enough that it warranted a phone call, especially considering I'd already replaced my cards once. In the midst of cleaning my XXXX XXXX XXXX 's accident out of my bathtub, I am being told that suspicious activity has been seen on my account, and who I believed to be a representative started reading off my bank information with me to verify my account, continued to follow a series of prompts, and then instructed me to enter the amount of my savings and the id number # XXXX into Pay Anyone in order to false flag my account and prevent the overdraft transaction from occurring. I made a panicked decision based on the fact that it was Chimes verified customer service number and the fact that I'd already had issues with scammers accessing my account, and subsequently had {$800.00} stolen from my account. It wasn't until I was screenshotting every bit of evidence that I could that I realized the phone number that initially sent me the false charge notification from XXXX at XXXX was the same number as the id number the false representative instructed me to take down. 

In hindsight this was very obviously a scammer, but I was in the middle of cleaning XXXX out of my bathtub after fielding round after round of XXXX XXXX reminiscent of the XXXX and a very sick, very cranky XXXX XXXX XXXX and in an already XXXX state I decided that since it was Chimes verified customer service number that it must be legitimate ; I even hung up and redialed multiple times to check that it was Chimes actual number. I had a whole XXXX XXXX because regardless which choice I made my savings seemed to be in jeopardy with no clear immediate decision in sight. 

Once I realized that I had in fact been scammed, I immediately redialed the same exact phone number that had just robbed me, and when I reached an actual Chime agent I couldn't even trust that it was them because the number that robbed me and the number I had to call for help were the same. Nevertheless the agent told me that because of the way their Pay Anyone XXXX was drafted there was absolutely nothing they could do, I had functionally forfeited my rights by agreeing to it, and my best bet was to call the police and file a report, which I did at XXXX. My last phone call with the scammer was at XXXX, so a mere 20 minutes had passed between me getting robbed and me filing a report. 

It has been a full month now and despite providing ample evidence, time stamps, filing a small claims lawsuit, filing 7 separate disputes, 2 XXXX XXXX XXXX complaints, and now this, Chime still insists that based on my own personal transaction history there is no evidence that an error ever occurred. Despite the fact that I haven't had a single late payment, missed bill, overdraft or any pre-existing disputes, they claim my own spending habits and budgeting negate any possibility of fraud. The reward for being a responsible and loyal member holder is my bank siding with the party that robbed me. Chime says each call is recorded for quality control purposes, and yet they have failed to provide the call logs made between me and them on XX/XX/XXXX at the time of the incident ; despite the fact that the number I supposedly sent money to doesn't even exist and calling it results in an automated message that repeats " your call not be completed as dialed, please check the number and call again, '' several times before automatically hanging up. 

I worked so hard and saved consistently for an entire year to save up for an apartment and a car for my daughter and I, and it's just gone, and my financial institution is siding against me and trying to claim my transaction history is the culprit here. Chime also had the audacity to send me an email a week after this incident letting me know they updated their XXXX  to protect against future scenarios exactly like the one I'm currently in and have still denied me left and right. This has been a horrifically distressing uphill fight and I regret ever having banked with Chime.

Company response to consumer: Closed with explanation